milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2016 about Debt collection (Credit card) with Weltman, Weinberg & Reis Co., L.P.A. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: We received multiple voice mails from Weltman, Weinberg, and Reis regarding a debt they claim we owe and payments they claim we had not paid. We had never heard of that law firm. I called them and they said the account was being handled by XXXX Law Firm. XXXX Law Firm had taken over over our account almost two years ago from XXXX XXXX XXXX XXXX without notifying us and we had been paying them every month as agreed. When XXXX took over the account, they filed a garnishment on our bank account with no notice claiming that we had not been making payments. Our payments were made to XXXX XXXX XXXX XXXX and my checks had cleared my bank every month. I had to hire a lawyer at a cost of {$1000.00} to have the garnishment released. I then called XXXX and they said they had no record of us. I explained that we had been making payments to them and I gave them check numbers. They said they had no record of us. Then I received a letter from Weltman saying that if we did not make payments to them, they may file a garnishment against us. Then I called my attorney to help. He sent Weltman a demand letter stating that we had not been notified that XXXX no longer was handling the account and that we needed verification from them that they had taken over the account and that my checks to them would be properly credited and reconciled to my account. They simply sent an email giving us their mailing address where to send the checks. My attorney billed me {$250.00} for the demand letter. I did not want to have my account garnished again so I sent my checks to them and very clearly stated to them NOT to deposit my checks until they had provided me with verification that the account had been transferred from XXXX to XXXX. I have heard nothing from them and today, my checks cleared my bank. They had deposited my checks despite my very clear instructions not to deposit them until they gave me verification that they were handling the account. Now I am out {$1200.00} in legal fees and I still do not have any documentation or verification from Weltman. I have attached all documentation to support my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PNC Bank N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Back in XX/XX/XXXX I suffered a horrifying XXXX XXXX in which it had left me with a XXXX XXXX XXXX and a few other injuries as well. The car I was driving was a XXXX XXXX XXXX XXXX which I had purchased on XX/XX/XXXX by taking out a loan for {$35000.00} from PNC Bank. The vehicle at fault ran a stop sign and drove straight onto my driver door. I was unable to go about my regular days due to the injuries I had endured, and because of my injuries I was unable to make payments on the vehicle. I paid off the loan in full on XX/XX/XXXX. When I first got the loan from PNC Bank I had financed the loan for 75 months and  ended up paying the loan off in 10 months. My aunt was my co-sign on the loan and her, as well as me, both did not really understand how insurances or creditors work. We thought that my Gap insurance for the car would cover the full remainder of the loan and that we would n't have to worry about paying any more for it. During the time I was recovering and doing XXXX XXXX I missed a few payments and now its showing as a major delinquency on my credit which is preventing me from opening any new line of credit. I am requesting to dispute this delinquency reflecting on my credit for my lack of payment was not due to a deliberate act, but rather an unexpected accident. I am not a delinquent. I am a responsible XXXX XXXX XXXX in my XXXX XXXX who is in pursuit of becoming a XXXX. Please help me for I feel stuck in this mess. You may be my last hope in pardoning and removing this delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Medical) with I.C. System, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of said debt.

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 11/16/2017 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: THE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND THEIR COLLECTION AGENCY ( XXXX XXXX XXXX VIOLATED THE " DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: Between the months of XXXX, XXXX, and XXXX of 2017 an unverified account with XXXX XXXX for {$2600.00} was investigated and deleted from credit reports. The account has been reinserted on my credit report under XXXX XXXX XXXX for {$2600.00}. Once XXXX XXXX ( whom I  have never had contact with or have a contract with ) received notice of my disputing this account with them, they sent me a letter concerning this previously deleted unverified account. Furthermore, I was not given the opportunity to contest this information before it being re-reported because I did not receive my five business day notice that this information was being re-reported on 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 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have two accounts reporting on my credit report that I am disagreeing with. These two accounts are XXXX XXXX XXXX # XXXX & Exeter Finance Corp XXXX XXXX. I reported to XXXX XXXX, XXXX XXXX and simply ask them to verify the documents are mine under the FCRA. They claim that the documentation is mine but they failed to provide me a copy of any original documentation or contract with my signature on it as required under the FCRA section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under section 611 ( a ) ( 7 ) .Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly deleted all information which can not be verified.The credit bureaus have given me such a hard time about this and it has made my life miserable, and I 'm a forced to live like a second-class citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Trouble during payment process

Complaint: I have  Ocwen as m y mortgage company, they are not applying my mortgage payments and keep mailing them back. They paid my taxes and I do not have them escrowed. they keep telling me I am 105 days late on my mortgage when I pay every month. I have been a nervous wreck over this in fear that they will start a foreclosure on my home. I can not attach any letters or correspondence that have been going back and forth, because there is a file folder very very thick. I kept everything. this has been going on for the past couple of years. I need help!!! I call them on a consistent basis and get nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Debt collection (I do not know) with NELNET, INC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call daily for my daughter. We have explained to them that she does not live with us nor does she have a working phone.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Credit card () with REGIONS FINANCIAL CORPORATION (NH).
Issue: Late fee

Complaint: invoices arrive the day before the due date. I pay the invoices the day they arrive in the mail. My account is charged a {$75.00} Late because payment is n't received on time. Because its impossible to meet the terms of the card. There is no doubt in my mind they delay sending my invoices to intentionally collect the late fees. This card is a scam. 
I tried paying my latest invoice over the internet but surprisingly the feature on the account never works. This card is a scam and this company is making an exorbitant amount of money on late fees that cant be helped by the consumer. I want all my records deleted from their company and will seek damages.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I discovered this collection item in my credit report in XXXX 2015. I contacted ProCollect in writing to request validation. Their response was to send me a computer screen shot of a move-out summary for an apartment complex that did not contain enough information for me to determine if I am responsible for this alleged debt. I do n't recognize any of the information. In XXXX 2015 I again requested, in writing, additional information. I did not receive any response. I have requested for the credit bureaus to investigate this item as I still do not believe I am responsible. ProCollect continues to verify the information as accurate to the credit bureaus without having provided validation to me. I again contacted ProCollect, in writing, in XXXX 2015 demanding validation be provided to me. I still have not received any response whatsoever.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease

Complaint: Since filing a complaint with you against ALLY Financial on XXXX XXXX case number XXXX I have received another XXXX collection calls from ALLY. I received 4 calls just today. I spoke with the collections rep after the 1st call today and explained my situation. They called me 3 more times after the original call all in a 90 minute time frame. They called my wife cell phone as well ( twice ). I believe this could be considered harassment. ALLY called me the day after I filed the original complaint and said they were investigating. PLEASE PLEASE PLEASE help me -- 6 calls just today

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 02/17/2016 about Debt collection (Federal student loan) with Ability Recovery Services, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2015 I enrolled in a online course through XXXX University. I enrolled in this class with a Federal Student Loan Credit. It was a Direct Unsubsidized Loan. XXXX XXXX XXXX did not provide for any other means of payment for the course, other than this student loan. According to the student loan, the student must be enrolled for a certain amount of days for the loan to pay off. I withdrew from the course on XXXX XXXX, 2015. The financial aid office was aware of this ( the payment date of the loan ) ; they made me aware of this. Still, they made no further provision for payments. The days of which I participated on-line was to be paid through financial aid. It is my understanding that I had the jurisdiction to withdraw without penalty/payment expected, because the payments was set up under the guidlines of the rules of the U. S. Dept. of Education Federal Student Loan. And no other provision was expected, nor signed for. XXXX University has placed a debt of {$910.00} on my credit report and I deny that this is my bill. I believe that this should be removed from my credit report. With the exception of the weekend days, I only had less than 10 days of on-line opportunity of which to work on line for the course. XXXX was aware as to when the student loan was to pay off and did not request any payments for the days prior to the payment from the student loan company. They did not make this request at the time of registration and should not be allowed to do so after the withdrawal. The instructor kept complaining that I was not submitting my work in the proper format that he could receive it. I tried many times to correct this issue and it did not resolve. Therefore, this online course was not appropriate for me and there was not a need to waste the Federal Student Loan. I have discussed this issue with the financial aide office at XXXX University many times. I have discuss this situation with the credit reporting agency - XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX - via a response mail.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get Ocwen to allow me to sell my property through a short sale since XXXX of 2016. Ocwen will not give my listing realtor a letter authorizing her to list the property as a short sale. The XXXX XXXX XXXX XXXX requires that when the listing realtor places the property in the XXXX she has to state whether it is being sold as a short sale or not. And without a letter from Ocwen saying that Ocwen will consider a short sale ( not approve but just consider ), my listing agent can not say in the XXXX that it is a short sale. All we need is a simple letter saying that Ocwen will consider the short sale so that we can list it on the XXXX as a short sale. 
I have submitted at least XXXX short sale applications, just hoping to get Ocwen to say that it will consider a short sale. But of course Ocwen wants a sales contract, so it refuses to respond to me or review my application. But of course I can not get a sales contract or offer because the XXXX does not permit my realtor to list it as a short sale, without the statement from Ocwen saying that it will consider a short sale. 
All we need is a letter, a simple letter, and Ocwen will not provide it. The house is in foreclosure, and I have spent countless hours dealing with short sale applications, dealing with the court and with Ocwen 's attorneys, and no one can get Ocwen to provide a simple letter saying that it will consider a short sale. That 's all I need to allow my listing realtor to move forward.

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 TD BANK US HOLDING COMPANY (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: they are saying I applied twice for a credit card and I did n't. then they refused to give me the card even tho I have good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Closing on a mortgage

Complaint: I received a letter from the Internal Revenue Service regarding a settlement of {$16000.00} from  Wells Fargo , NA on  XXXX     2014. Th is should have been reported on m y 2014 t axes.     I have not been able to contact   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   by phone or email. I did forward an email to the Department if Justice last week since they did oversee  XXXX    XXXX   activities.

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 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: In  XXXX , my wife and I sent the attached letter to Equifax, requesting them to investigate errors on our credit report. My wife received her response 2 months ago, with the results of her investigation, however I have not received anything back from Equifax. I have even written Equifax multiple follow-up letters, but they will not send me the results of my credit investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was recently a victim of an identity theft. My bank account associated with direct debit for my student loan ( AES ) was emptied out and it had to be on a freeze. While my account was on hold, direct debit was rejected and I was hit with a late fee. I contacted AES to explain my situation and to have them reverse this fee but, they refused. I was never late once for over 10 years and I could not believe they would not waive a small penalty due for my uncontrollable circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Credit decision / Underwriting

Complaint: mortgage loan ; we applied for a mortgage loan and we are told that have to wait until XXXX. we had filed bankruptcy XX/XX/XXXX with a discharge date of XX/XX/XXXX the mortgage that XXXX most recently applied, said the mortgage company did not report until XX/XX/XXXX that is our current dilema from our old mortgage company. i pulled a credit report and it does show on 1 credit company.can we get help to move forward with the correction on our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with World Omni Financial Corp. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I relentlessly have been trying to get " XXXX XXXX '' to update my account to the 3 Credit Bureaus. I was in a car accident XX/XX/XXXX. My vehicle was totaled. I had proper car insurance with XXXX and I also had XXXX insurance that I purchased when I first financed the vehicle. XXXX and the XXXX insurance took care of the amount left that was owed on the vehicle. I only had ONE payment left to pay and that was the pay-off amount ( {$440.00} ). I paid that amount. When I finally was ready to go shopping for a new car ; they pulled my credit report and it shows that " XXXX XXXX '' has not updated my credit report since XX/XX/XXXX ( way before my car accident ) and it 's showing that I still owe on the vehicle and that I have late payments! I need for " XXXX XXXX XXXX '' to update my account with the 3 credit-bureaus already. When the insurance companies did their part and I made my last payment they immediately closed my account because obviously we were done doing business ; but they have not updated my account. This is not fair and it is a burden on me because I am a XXXX old living with XXXX and I 'm unable to get another car at the moment because " XXXX XXXX XXXX '' is affecting my credit score. I have to XXXX to work and XXXX which I receive three times a week while I am waiting on a XXXX XXXX. Having to continually push off getting another vehicle is frustrating, especially when my account is PAID OFF and I owe nothing. I need help resolving this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2015 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My name is XXXX but my reported names says XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I tried to link my Capital One checking account with my new checking account XXXX. But Capital One is blocking XXXX from accessing my account even though I provided the correct log in credentials.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Payday loan, title loan, or personal loan (Payday loan) with Harpeth Financial Services, LLC (KS).
Issue: Can't stop withdrawals from your bank account

Complaint: I took out an online loan over the summer from XXXX XXXX ( XXXX XXXXXXXX ). 
I contacted them via email in XX/XX/XXXX asking them to switch my bank account on file they have dealt me issue after issue refusing to update my banking information, Ive sent them bank statements for two months in a row and they tell me credit unions arent recognized, my bank statement is out dated as they leave it set there and dont work my request now after all this they are requesting me to send them my new bank Statement to show my account activity, pay stubs and letterhead from my bank showing account and routing # which has already been sent to them, and a voided Check before they will update my bank information. They were asked to remove the previous account on file and they refuse. I refuse to give them any further information regarding my bank account and its activity, my bank has warned me their actions are borderline fraud This has absolutely nothing to do with changing my bank account! 
I have asked them to work with me on small payment and reduce the interest as I had been off work sick with dr note and they wont do anything to reduce or stop interest in the retention department I cant affod their payments, I borrowed {$460.00} and no owe almost {$1000.00} They just deduct the payment at their discrestion with no notice How do I get them to stop this and work with me

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation