milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-05-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Struggling to pay mortgage

Complaint: I have already filed two complaints against Wells Fargo and after the second complaint they actually did assign a single point of contact and initiated a review of my current financial circumstances. As pointed out in my previous complaint, things had changed, my financial situation has improved, I have my daughter and son in law living with me and they are working and contributing to all household bills. I have increased my sales and commissions each year from my XXXX XXXX job and Wells did not have any of this information on record. While this initially seemed like good news, my assigned point of contact at Wells Fargo named XXXX has disappeared on me. I have tried to reach her several times, as has the nonprofit that has been assisting me and there has been no response. XXXX had misplaced or lost my updated financial information on three different occasions over the last month and conveniently enough Wells Fargo scheduled a sale date for next month. Based on Wells Fargo 's track record with customers I believe this to be intentional and a prime example of dual tracking. Wells told me they would allow me the opportunity to be considered for all homeowner assistance programs and after I provided them with the information they requested they lose or misplace it on multiple occasions and at the same time set a sale date. This is concerning, and not the first time this bank has engaged in unethical behavior. They should be investigated by your organization.

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 05-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I initiated a couple disputes with this credit bureau starting in XXXX to try and get some inaccuracies corrected. As of this date those account are still not fixed. The bureau claimed to have verified however I know that 's not true b/c the creditor has n't verified with me and i 'm the one that is the alleged debtor. My complaint is that this credit bureau did n't update my credit accounts in question and for not completing a full investigation into the matter. These are the accounts I 've disputed : XXXX XXXX XXXX ) paid off, XXXX XXXX XXXX ) paid off, XXXX ( XXXX ) paid off & was not more then 60 days past due in the last 8 months, XXXX ( XXXX XXXX paid off & was not more then 60 days past due in the last 8 months. 

Im hoping you can help b/c the bureaus clearly dont care about me or my credit atleast thats how i feel.

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 09/19/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This is an Identity Theft reporting issue about CREDIT REPORTING AGENCIES ( CRA ). In particular, XXXX of XXXX Texas and their ID Theft supervisor, XXXX at ext. XXXX. 
I spoke with a XXXX credit Dispute Identity Theft supervisor named XXXX in early XXXX XXXX. My concern was as a victim of I D Theft, there should be a FCRA block under sec XXXX to allow victims the right to rebuild their credit. I had XXXX item in public records that was negative : and due for removal XXXX XXXX XXXX, and despite all efforts is still there. as is the other Judgement ( not mine ) in my name while and Identified by XXXX ereports as IDdentity theft, see attached and should be blocked under FCRA Sec. XXXX. 
XXXX supervisor XXXX stated I should pay a lawyer to remove filing by vacating it. That cost too much money & I was an Identity theft victim entitled to mandate XXXX to block negative inaccurate items from my CR under FCRA sec XXXX. XXXX supervisor XXXX advised me that the cheapest way to remove the one remaining NEGATIVE item on my CR was to contact the the XXXX warehouse and public records manager for XXXX and ask for it to be removed. XXXX promised me that if I convinced XXXX subcontractor, XXXX, to remove these judgments filing as a mistake due to I D theft or for any reason, XXXX would delete the filing under FCRA sec XXXX. So I did. and XXXX XXXX did indeed removeall refrences, see attched. I faxed the XXXX/XXXX/XXXX XXXX report letter from XXXX to XXXX twice during XXXX XXXX. XXXX is the consumer reporting arm of XXXX. XXXX reviewed my request and agreed to delete the Judgements from their data base and the personal report they did on me. I was very happy XXXX XXXX was helpful and aware of the damage that an Identity Theft issue could do to my personal credit report with all XXXX CRAs. As you know, XXXX is the GATEKEEPER of data for all public records reporting in XXXX for ALL XXXX CRAs! 
Incredibly, XXXX has also refused to remove XXXX public Judgement for XXXX $ ( meaning there is no monetary value to the judgment ) involving Identity theft from my XXXX and Equifax reports, So I checked with the XXXX about why CRAs violate the FCRA law. XXXX sued all XXXX CRAs in XXXX, forcing each of them to sign a Consent Agreement on XXXX/XXXX/XXXX that mandates them to give their workers the discretion to remove any Identity Theft related content or credit inquiries or credit files immediately. The CRAs agreed in the Consent Agreement with XXXX to delete these inaccurate items related to ID theft immediately or suffer additional fines and penalties. The CFPB must order XXXX, and Equifax to delete this Public Records based on identity theft content from my file. XXXX supervisor XXXX said Door to Door Sales Act would allow him to delete this public record :

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (I do not know) with Focus Holding Company (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am receiving calls from Focus Receivables Management claiming claiming "this is an attempt to collect a debt",

when I called, the XXXX question I asked is "Is this a debt collection agency"

they hung up immediately,

the return call number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 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: Public record information inaccurate

Complaint: Equifax has reported to XXXX ( XXXX ) different banks negative information. I.e. A Bankruptcy. I called made dispute and Equifax swears up and down they gave no information like that to these banks. The XXXX XXXX XXXX, XXXX Tx. Told me that Equifax reports a bankruptcy, that was in XXXX 2017.  XXXX XXXX, reported to this bank a bankruptcy just 10 days ago. And now, XXXX XXXX took XXXX dollars away in my credit card for the same misinformation. When I called Equifax on XXXX XXXX, 2017, I told them this, they told me they have no Bankruptcy on file. Well, I would like to know where these XXXX banks got their information? All XXXX have told me personally Equifax supplied this information, I want these banks contacted immediately and told the truth. Thank you for your time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Mortgage (Conventional fixed mortgage) with Experian Information Solutions Inc. (NY).
Issue: Application, originator, mortgage broker

Complaint: Experian 's credit report still has not updated the XXXX mortgages The first mortgaged address identification number is XXXX date open XXXX XXXX First reported XXXX XXXX type Mortgage Terms 26 years Monthly payment {$1000.00} Credit Limit or original amount {$130000.00} High Balance Recent Balance {$110000.00} of XXXX XXXX Resposibility Joint With XXXX XXXX XXXX Status Petition for Chapter XXXX Bankruptcy {$3200.00} past due as of XXXX XXXX This account is scheduled to continue on record until XXXX XXXX Comment Loan Modified Account History filed chapter XXXX bankruptcy on XXXX XXXX, XXXX. How ever this is wrong, We file Bankruptcy on XXXX XXXX not XXXX XXXX, XXXX, and further more we do not owe or behind {$3200.00} this is wrong. We were approved for a Modification from XXXX in XXXX XXXX and when we file XXXX XXXX, XXXX we had the modification taken away but because of the Chapter XXXX they stopped all communication with us. So we had no idea that the modification was taken away every time we would call the answer we got was we can not disgust this with you have your attorney call us. So we paid the modification for a year of {$800.00} and sometimes more when we had it but we had to catch all of that up because of poor communication. Also we do not owe {$110000.00} our balance is {$110000.00}. Please correct this and we did not file bankruptcy on XXXX XXXX, XXXX it was XXXX XXXX, XXXX now the second mortgaged with XXXX XXXX XXXX XXXX XXXX was strip we owe nothing to the second mortgaged and the recent balance is not {$18000.00}. We are not past due and we did not file chapter XXXX bankruptcy on XXXX XXXX, XXXX it was XXXX XXXX, XXXX. Please have Experian fix this. Experian has not removed XXXX XXXX XXXX address identification number XXXX and identification number XXXX date filed XXXX XXXX Calim amount {$1900.00} Status civil claim judgment judgment in favor of XXXX XXXX bank XXXX this is satisfied needs to be removed or changed to judgement is satisfied. please have Experian fix this. and XXXX XXXX XXXX CT XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX address identification number XXXX and identification number XXXX date filed XXXX XXXX Claim amount {$1600.00} Status Civil claim judgment Judgment in favor of XXXX this item needs to be removed or change to this judgement was satisfied. Please have Experian fix my credit report. they have left all this negative stuff on my credit report and I am trying to get finance for a lower interest rate for Mortgaged. I can not get any where until they fix my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Other financial service (Debt settlement) with Performance Settlement, LLC (NY).
Issue: Fraud or scam

Complaint: I have recently hired a company who claimed to consolidate my student loans with the Dept. of Education using program called " Obama Student Loan Forgiveness ''. I know I could have done it directly with the dept of education, but since I work very hard I thought I would not have the time to do this.They made me sign a contract, which seems to be " irrevocable '' and made me liable to pay them {$1400.00} over the course of 3 years to keep renewing my consolidation applications. First problem I had with them is that they made many mistakes on my case and I had to keep calling to correct, such as personal info. Next, they promised I would be paying as low as {$36.00} a month for my loans, which was later confirmed as wrong by the Dept of Education. Next, they promised that all the debt will be settled in less than 20 years, which is NOT what the dept of Education has as true. So far they have taken about {$250.00} dollars from my checking account. Every time I tried to call them to express dissatisfaction with their services, I receive rude, angry and demeaning attitude from the representatives working for this company. I have put a stop in the payments and wish to not continue being taken advantage of by them any longer. Please help!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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 want the reports updated and information with this house loan and other accounts on my reports Experian / XXXX / XXXX XXXX they all have the same problem with my reports miss leading information and incorrect. And i have also asked for my for my updated credit score and my fico score. Since i have not applied for a credit score in last 3 years they also want to charge me with a fee to get a new one on line and by the mail. i have attached paper work to as whom i, am with the 3 credit companies. I have also complain to my state attorney general office and forward my complaint to president Trumps office with full details on the house problems and my credit reporting problems i had and all party in this matter

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 07/16/2015 about Debt collection (Payday loan) with BlueChip Financial (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am filing a formal complaint against XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, IL XXXX. This company is attempting to collect a debt that I do not owe. XXXX is falsely accusing me of not fulfilling a contractual obligation with SPOTLOAN ( PAYDAY LOAN ). I have never heard of this entity and have not done any business with neither the debt collection agency nor the creditor. 
I am not sure how this entity has obtained my information but I can assure that I have never applied for a payday loan.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a lease with  XXXX   XXXX   XXXX .   My car was in the accident and it was a total loss.     I had full coverage with insurance and they supposed to pay for the car in full.   But they had issues with body shop where I took the car, so they did n't pay in full.     I was suing insurance company and I won in court, but the whole litigation process took over a year. Once I got money from insurance company after winning in court, I paid to   XXXX   XXXX   XXXX   Since  insurance  company did n't pay in full initially,  XXXX   XXXX   XXXX  put a mark on my credit bureaus profiles that I have a derogatory account. And even after I paid them with the money I got from the insurance company, it still stays on my credit report.     I always pay everything on time and do n't have any missed payments ever, but with this situation with   XXXX   and insurance company now I had a bad account on my credit report which stays there for 7 years and prevents me from buying a house or getting any loans.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I called the company to dispute the validity of the debt and was advised by the representative that while it may take up to 90 days validate the debt, I could take advantage of the discount period in order to settle the debt. I advised that I received notices from two different companies and that was the reason I was in contact with this company. The attempting to collect occur twice before I was told they would send me something in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Paid a few to   XXXX   XXXX   XXXX   that told me my payments would resolve my student loan debt and close accounts. After paying for months the accounts appeared closed on my credit report. However recently the accounts are back open and delinquent. And the departure of education took my tax return as payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: When I struggled to repay this loan ( serviced by Navient ) after graduation, it defaulted and was forwarded to a collection agency, XXXX XXXX XXXX, XXXX in XXXX. I began making payments in the amount of {$250.00} each month without fail. To date, I have paid over {$14000.00}. I was offered a settlement by the collection agency for 50 % of the total amount - which has been paid. I have contacted Navient to discuss the resolution of this debt, and they have agreed that the {$14000.00} paid to the written-off debt is sufficient. Neither company will provide written confirmation. Additionally, Navient advised on several occasions that the co-borrower/guarantor, XXXX XXXX, would be released from his liability to the loan. In XX/XX/XXXX, XXXX XXXX was contacted by Navient and was inappropriately advised that the loan was active but past due. As stated previously, I am paying the loan on time each and every month to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I went to the ER in 2010 at Florida Hospital in XXXX Florida. I provided them with my medicaid card ( XXXX coverage ) and also my XXXX XXXX XXXX card. Hospital billed XXXX but failed to bill medicaid for the remainder ( as per the XXXX implemented by medicaid. ) Hospital sold account to a Debt Collection company. I called them and sent them documentation from XXXX and Medicaid showing I was covered and should have never been billed, as well as letting them know that per medicaid they would pay the bill -however they are not allowed to pay a third party. They became rude and refused to submit the bill back to the hospital for it to be paid by medicaid. They continue to state this is debt I owe them and I dont. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Comenity Bank/XXXX XXXX XXXX -My problem is I was charged late fee on XX/XX/XXXX.
-I submitted my online payment on XX/XX/XXXXbefore XXXX ( est ), but was not able to select XX/XX/XXXXas my payment date so I selectedXX/XX/XXXXand figure I work it out with customer service. Called customer service at XXXX ( est ) onXX/XX/XXXX XXXX XXXX XXXX  had no confirmation nor could they acknowledge I even made a payment. I waited to see it payment would debit my account and it never did. I made another online payment but this time it was for XXXX. - I emailed and filed dispute. XXXX XXXX XXXX closed dispute since I could n't produce evidence that a payment was made ( evidence from my bank ) I submitted an online payment BEFORE XXXX on XX/XX/XXXX. I was not allowed to pay on XX/XX/XXXX and was forced to make payment on XX/XX/XXXX. Payment was never made due to some technical issue on XXXX XXXX XXXX side. I made my payment on-line and on time. I would like XXXX XXXX XXXX to reimburse my late fee of XXXX I have the email confirmation fromm XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-01-2016 about Debt collection (I do not know) with Receivables Management Partners, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: THE DEBT WAS INCLUDED IN A CHAPTER XXXX FILED ON XXXX XXXX 2016 FILIE NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (TN).
Issue: Struggling to pay mortgage

Complaint: I have been working with my mortgage company on a request to modify the mortgage. I 've submitted financials and the request several times I 've spoken with 3 servicers trying to save my home. My mother passed a year and a half ago from XXXX and I 'm her son that is living in the property. I recently received a property foreclosure notice from XXXX XXXX XXXX stating my property is going to be sold in a property foreclosure sale XXXX XXXX,2017. Please, Please, Help. The letter I received to validate the debt did not show my servicers were three deferent servicers I have not received the foreclosure notice from the servicers as stated on the letter

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: List of dates : XXXX and XXXX/XXXX/XXXX. There were credit inquires on my credits reports that i do not recognize.

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 09/13/2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: I submitted a complaint to US Bank on XXXX XXXX 2016. I purchased the replacement of my cell phones. They were n't done satisfactorily my XXXX touch no longer worked the brightness was n't correct etc. I contacted US Bank to initiate the dispute after my appeals to the company went unanswered. US Bank initiated the dispute and on XXXX I received a letter ( attached ) requesting more details. I submitted the appropriate documentation approx XXXX. 

On XXXX I noticed a suspicious transaction on my account for XXXX. The description only listed " Forced ACH Debit '' upon contact US bank they indicated they had denied my claim because it was n't a duplicate charge. Upon speaking with the bank they indicated they were treating the transaction as if it was duplicated, which is contrary to what the letter I received indicates ( Quality of Service ). During my conversation it was discovered they had n't received all the documents and failed to perform any follow up or resolution. They treated the transaction as a duplicate and on XXXX I received XXXX overdraft charges for XXXX a piece. I immediately called the bank and explained that this was n't correct. The representative was immediately condescending and rude indicating that the investagation was completed and they would n't refund the amounts. I indicated that the investigation was done wrong and that it was n't treated as a quality of service claim. When I asked for a Manager i was immediately hung up on.

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