milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2017 about Debt collection (Credit card) with Alliance Data Card Services (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: This is a debt from HSN, bought by XXXX. They NEVER contacted me in writing about buying this debt. The first contact from XXXX was when I was served with legal papers about the debt. I have never received a bill or letter stating they bought the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: TransUnion continues to keep an erroneous charge off from a collection agency, XXXX XXXX. I have already disputed this with TransUnion and it came back as the infamous " that they are reporting correctly '' which they are not. 

To again expedite the process. I have a signed release from XXXX and their original creditor in lieu of suing them for having violating both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

TransUnion again has had more than the allotted time twice to delete this frivolous trade-in from XXXX XXXX! 

I have enclosed the copy of release and expect TransUnion to IMMEDIATELY DELETE and not again send a partial automated response by just " reinvestigating this item '' by their e-Oscar system. 

They care continuously and willfully causing financial harm and I am giving TransUnion until the close of business on the XXXX of XXXX 2016 to have this permanently deleted or I will sue TransUnion both in State and XXXX XXXX. 

Time has run out and they need to be compliant! 

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 07-02-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian ( Report No. XXXX ) re-inserted/reported a charge off XXXX Credit Card Account ( No. XXXX .... ) after previously agreeing to correction. It has been repeatedly mis-reported with false information. The previous correction only came after multiple disputes via their online system, paper letters, the XXXX and CFPB. Debt is illegally re-aged as evidenced by IRS 1099 also previously showed a balance due for the wrong time period ( s ). I learned of this only because my credit card company sent me a letter stating that I had a delinquency and as a result they were cutting off my credit. I have been damaged by the reckless mis-handling of this XXXX entry that is not only improper but violates Experian 's own internal policies. I attempted to file an online complaint on this change but their online system blocked it as having already been addressed despite allowing the creditor information to be added. I did navigate to their upload option but it was unclear whether the dispute was active or not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filling this complaint because experian has ignored my request to provide me with the documents that their company has on file that was used to verify an account under " XXXX ''. I have no knowledge of the account being reported on my report. under section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... ... promptly delete all information which can not be verified. '' that I have disputed. I need physical proof because I have no record of this account. Their response was that it was " verified '' but did not provide either the name of the employee who verified the account or physical proof of the verification off the account. Please resolve this matter as soon as possible.

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 01-10-2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been a capital one customer since XX/XX/XXXX with my platinum credit card that i just paid on XX/XX/XXXX and my credit reflects a late payment and a balance which is already paid off in the sum {$260.00}. my credit report is negatively reflected even though i have proof from my bank that i made the payment and they accepted and my balance should be {$0.00} but sadly it does not reflect that. i am trying to apply for a mortgage and i am unable to get approved due to incorrect information reported on all XXXX credit reports. please fix error to reflect {$0.00} balance with Capital one credit card under my name XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In the collection information section from an Equifax credit report completed on XXXX/XXXX/15 there is a medical balance to which I have no knowledge of where it came from or why it is there. Especially because I have not been hospitalized nor to the hospital in a few years.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On or about XXXX, XXXX, Wells Fargo assumed our mortgage loan. We arranged for our monthly mortgage payments to be made from our checking account and were never late up until we paid off the loan when we recently sold the house. 

We unfortunately did file for Chapter XXXX bankruptcy in XXXX, XXXX, paying $ XXXX/month to the court trustee. Our case was discharged, after we made all of our trustee payments on time, on XXXX XXXX, XXXX. Not XXXX of our payments to Wells Fargo were ever late, most coming directly out of our Wells Fargo checking account using their auto pay program. 

We are in the process of refinancing our current mortgage to a lower percentage with XXXX Mortgage and were told that XXXX XXXX, on the behalf of XXXX, found that Wells Fargo has discharged our loan showing it as being discharged in bankruptcy, rather than being either paid on time or fully paid. Our bankruptcy was filed almost 7 years ago, discharged over 3 years ago, & had no detrimental affect on Wells Fargo whatsoever since we made every single payment on time & in full, evidenced by their own records. Wells Fargo admits this but says that since we did not " reaffirm '' the debt officially, they will not show it as anything other than a detrimental bankruptcy on our credit reports. The agent at XXXX XXXX was mystified at Wells Fargo 's action and response during a conference call and said that he was changing his report to show Wells Fargo paid on time & in full so that the refinancing with XXXX could go through as planned. 

But we are concerned as to what will happen to our credit in the future as the result of this action by Wells Fargo. We, as many consumers, had financial difficulties after the XXXX financial recession. But my wife and I have worked hard to recover from them. Since our Chapter XXXX filing we have paid our bills and creditors on time, built our credit back up, and expected our bankruptcy to fall off our credit reports this XXXX, only to find this new attack on our credit reports from Wells Fargo to appear when the only thing we did to them was always pay our mortgage on time every single month. Do we now have to wait another 7 years for our bankruptcy to fall off our credit reports? 

Please help. 

This, to us seems extremely unfair. I have attached payment information from Wells Fargo 's own website for the last 36 months ( as far back as I could go ) that shows all payments made on time.

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 04/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Enhanced recovery placed a new collection account on my credit report. The original account was settled thrust XXXX on XXXX. XXXX telephone number is XXXX address XXXX XXXX XXXX XXXX Nebraska XXXX. Per my credit report the file states closed and paid with a, XXXX balance

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 10/19/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CT).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Hello, I have been trying to get this issue resolved with XXXX and XXXX XXXX. Someone applied for an XXXX credit card using my name, address and social security number around XXXX XXXX XXXX. I never received any paperwork in the mail, and they informed me that the card application was denied. They refuse to give me more information on the application. This is not fair to me as a consumer. I really would like this investigated. I do not know what to do at this point. 

Best, 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 04/14/2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I would like request a review of our previous Chase mortgage account. In XXXX XX/XX/XXXX, I requested to have a payment deferred to assist with paying for my daughter college tuition. A severe car accident made my daughter realize that she was better suited for XXXX instead our original college arrangements. Unfortunately, the timing of the situation created a financial burden. I had obtained a XXXX job but it would take some time for the income to make a difference. I contacted Chase to make the arrangements. I was instructed to make the following payments on specific dates, usually after XXXX & was informed it would only have a slight effect on our credit, nothing to compare to if I missed a payment without these arrangements. Later we starting receiving notices of foreclosure & we contacted that mortgage company. They stated that their system does not recognize the payment arrangement & we should ignore them. 
Recently we contacted our bank to refinance a car & they mentioned that it seems it affected our credit as a foreclosure. This same bank also does our taxes & they said the amount of interest we have paid for XX/XX/XXXX & XX/XX/XXXX is as if we completely refinanced our house. Shortly afterwards, I looked at all of the interest statements & the amounts were very erratic. I really believe something went terribly wrong with this deferred payment and it seems to permanently affect our credit & our finances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2016 and again on XXXX XXXX, 2016, I sent Wells Fargo " Requests for Information '' ( RFI ) and " Notices of Error '' ( NOE ). 
Wells Fargo did not comply with my inquires and sent me XXXX letters delaying the reply. 
It has been over 120 days from the first RFI NOE and 60 days from the second NOE.

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 04/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: My credit union, XXXX, reported late for XX/XX/XXXX 2014. I contacted them and they said they 're not reporting late to the credit reporting agencies. I disputed it with the CRA 's and received a letter from XXXX stating I was not late. I sent in that letter to Transunion ( to be specific ). My credit report was updated to show no lates. A XXXX months later it showed up late again, I disputed it again- it was deleted. I checked my credit this month and it 's showing up late again. I called Transunion to get it straitened out and they are trying to get me to dispute it which will take me another XXXX days- I refused. I 'm filing a complaint because my credit should not be harmed for all these XXXX because they keep letter something pop up late on my report which was proven, at least XXXX it was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Debt collection (Credit card) with Firstsource Advantage, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This agency called my brother and sister multiple times instead of me in order to try and get in touch with me. They should have already had my contact information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are Hard Inquiries that on my Credit Report that I don't 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 non-monetary relief
Consumer complaint received 06-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: CBE GROUP account number XXXX is reporting on my credit file this account was a XXXX balance when they reported. I paid the original creditor. I am asking that CBE provides me with the contract I have with them that allows the to again access to my credit report or the letter of assignment from the original creditor or where my account was bought by them. 
2. I want a complete payment history. 
3. and a copy of the notice that this account was in collections and where it was sent and what date.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to my requests to investigate and remove accounts that do not belong to me from 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 03-08-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian is reporting multiple names and address under my credit file. I have tried to dispute them on numerous occasions, provided proof of identity and yet they still refuse to delete this names that are not mine. I do not want to continue having these names on my report possible penalizing me for some one else 's mistakes 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 non-monetary relief
Consumer complaint received 08/24/2017 about Debt collection (Other debt) with Penn Credit Corporation (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: The debt was a result of an unpaid ticket citation from XXXX XXXX, Florida from XXXX/XXXX/XXXX. It was a red light camera ticket so no XXXX gave me a ticket. I never received a ticket in the mail, so I have no idea that I had a ticket. My license got suspended because of the unpaid ticket. I was not aware of the suspended license until I was pulled over by a police XXXX. I found out that the ticket was XXXX. So I sent a check out XXXX XXXX. The check went to XXXX XXXX XXXX XXXX XXXX and Services, XXXX. Box XXXX in XXXX, Colorado XXXX check was never cashed so I called the Clerk of the Court in XXXX XXXX XXXX I found out the ticket went to a collection agency, XXXX XXXX in XXXX, PA. I was never notified by XXXX XXXX that they took over the dept. XXXX, the XXXX turned into XXXX XXXX what I now owed XXXX. In addition the check was never cashed, at least not yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (DE).
Issue: Struggling to pay mortgage

Complaint: The servicer refuses to review me for a loan modification due to my arrears bei ng three years pas t due. I have increased income for which I can afford to make my payments and the servicer is foreclosing on the property on  XXXX / XXXX /  XXXX  . Today  XXXX / XXXX /  XXXX   I attempted to ask the servicer to review me for a modification and I was told that they can not because I am 3 years past due and I am not in the military.

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 05/27/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a XXXX account that was closed. I was XXXX of XXXX people on that account. I left that contract and the person on the account defaulted on the account. It shows in my credit report ( Equifax, XXXX and XXXX ) as an Open account. This account is closed and I paid the remaining balance out of Good Faith. They still report this on my credit report and did not remove this error.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit reporting () with Experian Information Solutions Inc. (KS).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian is reporting outdated negative information about me that is clearly more than XXXX years old. As a result I was forced to pay a {$250.00} deposit just to set up a utility bill at my new residence even though the consumer report stated " NO PRESENCE OF UNPAID UTILITY OR RENTAL ACCOUNTS IN ONLINE 'S SYSTEM. '' Experian is reporting negative information about me that is XXXX years old, XXXX years old & XXXX years old. My low credit score is not a true reflection of my credit worthiness. I want Experian to be held accountable for negligently reporting bad & inaccurate information. I also want them to clear my name & record.

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 02/22/2017 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: While trying to settle my father 's loan obligation with a reverse mortgage company through the sale of the property, loan servicing company repeated delayed providing a payoff statement. I have been provided erroneous information since the first day I requested information on the process. I fully believe this company is delaying payoff to benefit from foreclosure. The property is under contract and was to close XX/XX/2017 and as of this date XX/XX/2017 a payoff statement has not been provided ; my original request was send XX/XX/2017 at XXXX via fax and email. If I do not receive this payoff today the buyers attorney will be forced to return funds to their lender thus the sale of this property will not go through. While I have requested to speak to a supervisor, I have been forwarded to a voicemail ; I have emailed the supervisor and have received no response. I am being treated unfairly and my attorney is now involved. This lender will have caused me to lose the sale on this property and they will proceed with foreclosure activities.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: All unauthorized, requested removal.
XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (OK).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of XXXX I was given a loan for a single width mobile home through XXXX Mortgage. They switched it to Green Tree XXXX and next to Ditech. The home started deteriorating in 10 years and is now unsafe to live in as I have had electrical problems and many of the pipes are broken where the bathtub and faucets in the master bathroom are not functioning. The floor under the shower has completely caved in, windows are crooked and allow flies to get into the house in warm weather. Most of the floors have buckled under the legs of furniture and the rain has caused the areas around the windows to buckle. Walls are little more than cardboard. I believe the flooring is waferboard and unfit to for flooring foundation. When I tried to trade this XXXX XXXX, the dealer at the XXXX in XXXX told me he could n't because the house is worth much less than what I owe and that this sounded like a Predatory Mortgage Loan. He said that mobile homes do not have 30 year mortgages because they do n't last that long. He said my loan should have been a 15 year loan at the most. Also, right before Ditech took the predatory loan over, they added about {$100.00} to my monthly payments which went from {$360.00} to {$460.00} a month. Ditech claims the {$100.00} is for insurance, however, as of yet they have repaired nothing although I have made several claims. I was also told I should complain because when they put the mobile home on my property, they did not put it on a cement foundation and instead put it on the ground which has caused the home to sink. Renters have rights, therefore, mortgage holders should also have rights if the predatory lenders do not offer to repair wear and tear on a mobile home. I can not come out of pocket for much because of the monthly payment inflicted on me. I would like to take this to the courts to get justice. Everyone is saying I should not be paying anything. I have taken pictures to back up all my allegations in this complaint. The interest rates are too high, as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation