milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Can not access my own annual credit report, as well as questions prior to checking my credit report, the XXXX questions to verify my identity were answered all none of the above referring to prior loans never opened by me. Victim of identity theft and fraudulent activity

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (I do not know) with Credence Resource Management, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I 'm not sure what the call was regarding. I received a call from Credence Resource Management this morning. The caller did n't identify the company she was calling from and when she began to ask identifying information ( asking me to confirm my address ) I asked what company she was calling from. She then identified the company. She said they have an account in my name and that she was calling to give me that information. I told her I 'd never heard of Credence Resource Management. She repeated I have an account with them and that she was calling to give me that information. I asked how I could have an account with a company I 've never heard of. There was a pause and then, sounding exasperated, she said goodbye and hung up. It was only when I did a XXXX search I 've discovered it is, apparently, a collection agency. I have no idea what they could be trying to collect on, I filed bankruptcy last year and it was discharged in XXXX. The caller was not being clear at all about the purpose of the call so it sounded like a scam. I 've selected the " Debt was discharged in bankruptcy '' option since I have a discharged bankruptcy, but I moved just over two months ago and while packing my desk stumbled across a small medical bill that had fallen behind a drawer. It was over a year old and was n't included in my bankruptcy since I had no idea it was still pending so I immediately paid it. So it could be that the issue is " Debt was paid ''. But those are the only options. I do n't have any debt now, and I 'm doing my best to keep it that way.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX - Account XXXX .... 

This account in incomplete and incorrect. 

Was opened in XXXX and closed in XXXX Has an Inaccurate Pay status, it should be Paid/Closed XXXX Balance Is missing its balance history for the duration of the time the account had been open Is missing Payment Data for the duration of the time the account had been open Has erroneous comments added - to this and almost all of my accounts.

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 04/15/2017 about Bank account or service (Other bank product/service) with U.S. BANCORP (IL).
Issue: Deposits and withdrawals

Complaint: My name is XXXX XXXX. My US federal income tax refund check was set to be directly deposited into my bank account at XXXX in XXXX, Illinois. The amount of the check was {$1100.00}. Unfortunately, my account at XXXX had recently been closed due to fraudulent activity that I had experienced. After that, I chose to not reopen another account at XXXX. But since I knew that my federal income tax refund check was coming directly to XXXX, I asked XXXX if they needed my new address since I had moved after my recent divorce. At that time, XXXX advised me that they would not be forwarding the check to my new address because their bank policy was to return any non-deposited federal income tax checks back to the IRS. Unfortunately, XXXX did not do as they said they would. Instead, when XXXX received my direct-deposit federal tax refund check, they apparently took it upon themselves to cash the check and mail me a bank check directly to my last known address. When doing so, XXXX did not notify me of these transactions so they did not know that I no longer resided at my last known address they had on file. So the check was erroneously mailed to my ex-husband 's home. My ex-husband 's name is XXXX XXXX and he resides at XXXX XXXX XXXX, XXXX, IL XXXX. Without my knowledge or permission, my ex-husband illegally proceeded to take my tax refund check to his own bank in order to cash it for his own personal gain. Unfortunately, he succeeded in illegally cashing my check on XX/XX/2017, by signing only his name to the back of the check, even though my name was clearly stated as the sole payee on the check. The bank at which my ex-husband executed this transaction is U.S. Bank located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Today, my attempts to resolve this matter with personnel at U.S. Bank have been completely fruitless, even though they did admit they should never have cashed this check. Instead, they are attempting to place the blame on my bank, XX/XX/XXXX, for erroneously mailing the check to the wrong address. Currently, I am in the process of filing criminal charges with the XXXX Police Department against my ex-husband for his theft of my money. He 's clearly a dishonest person, and I think it is highly unlikely that I will ever get my money back from him. Nevertheless, I firmly believe that U.S. Bank is primarily at fault for allowing my ex-husband to cash my tax refund check without having my signature on it, and without his name even being on the check as a payee. It is my hope that U.S. Bank would reimburse me in full for their error, and then they can worry about pursuing my ex-husband for his criminal deceit. Thank you in advance for your assistance 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 08/23/2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint PortaXXXX : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which  requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note Transunion, Experian, and Equifax are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX still trying to defraud us by charging us for the bill we already paid in full, before we left XXXX, XXXX. We also returned all equipment provided for our TV services then. They continue to defraud us for no good cause, but, finagling and Gouging us unlawfully. We definitely do not owe XXXX nothing, after my wife and I went to XXXX store to turn-in equipment and paid the rest of our bill there. I also wanted to have them stop sending my bill to my daughter 's address, rather send them to me if so desire. My address : XXXX. XXXX XXXX XXXX, XXXX XXXX, otherwise, XXXX ought stop sending out unnecessary harassment defrauding bills were already paid. 

There Address : XXXX XXXX C/O Credit Protection Association XXXX. XXXX XXXX XXXX XXXX XXXX. It was sent to my daughter 's address, since we sold our home in 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 11/16/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I graduated a little over 2 years ago and my experience with Sallie Mae has been abysmal to say the least. There has been a lack of continuity from customer service, I have been yelled at by managers, and no one ever seems to know what is going on with my account. I was enrolled in their term-rate modification program and made my 3 qualifying payments on time. I specifically asked to have auto-drafts on the XXXX of each month. I initially ran into problems when my account manager accidentally enrolled me in the program with the wrong date. Subsequently, my account was charged for the amount and incurred overdraft fees for Sallie Mae 's error. I called and informed them of the issue, and they stated I would need to print and fax over the overdraft fees so that they could resolve the situation I do this and a week goes by they claim they had n't received anything ( even though I received a fax confirmation ). After running in circles with Sallie Mae I finally get a manager after calling at an inconvenient specific day and time and he has me email him the statement of charges. Everything is rectified and I begin the program. I was leery of setting up auto draft payments after the nightmare I experienced, but I did anyway to remain in good standing with my creditor and ultimately be responsible. Much to my dismay, and to no surprise my account again is drafted on the XXXX of the 4th month 1. for an amount that was not agreed upon ( less than the agreed upon amount ) 2. for a date that was not agreed upon. I call Sallie Mae they are unaware of the agreed upon amount and they are emphatic that the date in question was correct. I am now over a month behind on my student loan payment and had to close my bank account because the overdraft fees and surcharges were well over {$500.00}. Sallie Mae is worthless, incompetent, and criminal. If at all cost I would avoid doing any business with them. I would n't borrow water from Sallie Mae if they were selling it they are certified crooks with little interest in the consumer satisfaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (I do not know) with Harris & Harris, Ltd. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: For approximately the past 3 months I have been receiving recorded phone calls from Harris & Harris, a debt collection agency ( that is stated in the recording ), instructing me to call a number with a XXXX area code. My name is never mentioned, nor is the reason for the call. They call at various times throughout the day or evening. Sometimes they skip a week, other times they call 3 or 4 times in a week. On one occasion they actually called 3 times in the same day! I am on the " do not call '' registry but obviously to no avail. Thanks for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: A state tax lien on my record does not show my full social security number nor my date of birth. It also does not contain my address. As it does not contain the mandatory information required by law, I respectfully request that it immediately be removed from my credit report. I have filed two disputes in the past with both credit reporting agencies.

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 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On Today, I decided to look at my updated credit report and noticed that they were 4 hard inquiries that I never authorized or have knowledge of. I ask that these inquiries be properly investigated and I also want to receive a copy of proof of how these inquiries were verified. I never gave these companies permission to view my credit report. I 'm also aware that according to my FCRA rights, inaccurate information is n't allowed to be on my credit report. I DEMAND that these inquiries are REMOVED immediately. The inquiries are : XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX XXXX- XXXX/XXXX/XXXX XXXX XXXX- XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to restructure my mortgage for an affordable payment with Wells Fargo for years. They continue to stall and delay working out a favorable solution. I heard from Senator XXXX XXXX office who is attempting to assist me and they said Wells Fargo told them I have qualified for a restructuring with an interest rate of 3.75 % and a mortgage payment of {$960.00} a month. My previous payment was {$910.00} a month. When I started this process I was looking for a lower, more affordable payment. If I can not afford a {$910.00} a month payment how can I be expected to afford {$960.00}? 
Wells Fargo refused to negotiate with me when the market was down and my house only appraised at {$88.00} but now that the market has recovered they are trying to extort as much as they can from me. 
They are calculating this payment on my current income however I will be loosing my XXXX payments of {$1500.00} a month in XXXX and I start repaying my student loans in XXXX. 
There are several affordable payment options they could use to get me a {$700.00} a month payment but they refuse to even consider them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: This is a 3rd party debt collector, not even sure what the debt is for. They have called my job, my inlaws, tried to get money from them. Said they were lawyers. Said they were some government official about a case filed against me. That I should consider this phone call as being served. I 've disputed it with 2 credit bureaus and it was removed. Then this company reported it as new credit debt back to these agencies. I have spoken to 3 employees about their illegal debt collecting practices. " Portfolio Recovery and Associates " is the company name

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Mortgage (Conventional home mortgage) with U.S. BANCORP (FL).
Issue: Trouble during payment process

Complaint: l live in XXXX, FL where Hurricane Irma impacted the area on XX/XX/XXXX. My home took significant damage and I had a sizable deductible on my policy for the damages. I contacted my mortgage company, XXXX XXXX XXXX XXXX, on XX/XX/XXXX and was told that I would qualify for the 3 month forbearance for the months of XX/XX/XXXX - XX/XX/XXXX. 

On XX/XX/XXXX I called my 'relationship manager ' at US Bank and was told that if I completed a Uniform Borrowers Assistance application and myriad other documents and submitted them through XXXX and also sent them to US Bank ( via email ), I would qualify for a deferment plan and the three months mortgage payments would be moved to the end of my loan. I submitted all the requested documents on XX/XX/XXXX and US Bank and XXXX both acknowledged receipt of the necessary documentation. A week or so later I spoke to my relationship manger at US Bank and she informed me that there was no deferment program, that my loan could not be modified and that on XX/XX/XXXX three months payment were due. On XX/XX/XXXX I submitted a complaint and hardship letter to a special email address at US Bank ( XXXX ), which I received from them in a letter. In my communication I made clear that I was told by the relationship manger that I would qualify for the deferment plan if I completed and submitted the aforementioned forms. 

I received a formal response from US Bank 's Customer Advocacy Representative dated XX/XX/XXXX. In the letter they stated that " ... the representative you spoke to on XX/XX/XXXX informed me that the forbearance plan was not a deferment and that a deferment was not an option for my account ... '' During my many discussions with the relationship manager and other customer representatives I always asked for a written confirmation of the deferment and was consistently told we do not confirm in writing, but we will make a notation on your account. 

The Bank has since extended the deferment thru XX/XX/XXXX, and on XX/XX/XXXX I will owe for four months. Monthly payment is {$1600.00}. The Bank has reneged on the promise to modify my mortgage, denied they ever infomed me of this and will not work with me to resolve their error.

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 04-04-2017 about Consumer Loan (Vehicle loan) with VW Credit (DE).
Issue: Managing the loan or lease

Complaint: My VW Credit auto loan for my XXXX was paid in full as part of the VW diesel scandal buyback program. My car was turned into a dealership on XXXX XXXX. I was told to expect a refund in the amount of approximately {$450.00} XXXX ( the difference between the amount of the buyback and what I owed on the loan ). After not receiving the refund, I contacted VW on approximately XXXX. I learned the amount I would be refunded changed to approximately ~ {$200.00}. I questioned the amount, and was told by the agent that VW actually owed me a few dollars more than the initial check was written for. The agent told me a check for the additional amount would be issued. She also offered to reissue a check for the amount of the missing check, or I could wait a few more days. I opted to wait a few more days. At that time I informed VW that I had recently moved and provided my new address. Still having not received my refund, I called VW today XXXX. I spoke with XXXX different agents. All who told me I was owed different amounts ... ~ {$450.00}, XXXX {$400.00}, XXXX {$200.00} AND that they can not reissue the check because I have to wait 30 days. I 'm frustrated because they supposedly sent a check for the incorrect amount and I have to wait longer for them to reissue a check for the correct amount. I have no idea how long it will take to receive the new check once they reissue it because I ca n't seem to get a straight, consistent answer from VW. Given their reputation of taking advantage of consumers, I believe they should be working to improve their reputation not give us more of a run around. I wasted ~90 minutes of my time today attempting to get the money that is owed to me, or at least a consistent answer about the amount owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I was trying to get service from XXXX XXXX but when they ran my credit check ( I have a credit score & gt ; XXXX ), Equifax said that they could not verify my identity. When I went to all XXXX credit agencies to obtain my credit report, I was able to do so at XXXX and XXXX but not at Equifax. The Equifax website again said that they could not verify my identity (!!! ). Now I have to send in XXXX forms of identification by mail to get them to review and correct the problem. Meanwhile, the promotion for XXXX is going off and I will end up paying XXXX of $ $ $ more because of Equifax 's mistake. This is not fair and it should not be legal. Equifax should have to pay for their mistake, not me!

Company response to consumer: Closed with explanation