milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2015 about Credit card () with WELLS FARGO & COMPANY (GA).
Issue: Unsolicited issuance of credit card

Complaint: Wells Fargo in XXXX XXXX, GA opened a credit card in my name without my permission or consent. The banker never spoke to me about a credit card nor did I ask about a credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Dear Equifax and XXXX, I attached a copy of the letter from XXXX XXXX stating your company to delete and remove this account immediately from my credit report and credit files. I still want to know why your company violated my consumer rights because based on this letter XXXX stated they sent a request for Equifax to delete this account on XXXX XXXX, 2016. Therefore, both Equifax and XXXX have violated my rights under Fair Credit Reporting Act for reinserting a recently deleted item back on my credit report as well as did not comply with the collection agency request. I have already talked to a consumer attorney on this matter and I will be forwarding this letter to the Better Business Bureau as well as the Attorney General Office.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (WY).
Issue: Managing the loan or lease

Complaint: I am dealing with Santander Consumer USA. I have recently found that over XXXX in payments are missing from my account and that resulted in a repossession and absurd amounts of money to retrieve my vehicle. I have my bank statements and copies of my checks that were sent on time and cashed weeks later. I also never received any contact when they determined I was late. Four months went by and they charged the account off marking my credit badly.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Company - XXXX - Bills for my XXXXProblem started over 2 years ago. They never sent bills and then turned me into collections for a large amount. No previous bill received. I paid the bill. The next year, after not receiving bills I called to find out what I owed and was told I had a credit with the company. They would notify when I began to owe them. Same story - a few months later got a collection letter. Once again it was a large amount but this time was unable to pay this. I was set up on a payment plan - I was told that all I owed was included in this plan. Few months later I was called by their collection department to pay an additional XXXX+. When I called them they said this as not included in the plan. They found this other amount. I have repeatedly explained the situation to them and they tell me it is taken care of but then it happens again. Finally in XXXX we put together a new payment plan of XXXX/month for a year and I was to be paid off in full. Today I received a collection letter for XXXX. I have never received a bill and they keep changing their stories. I have no idea any more what is right or wrong but I truly feel as if I am being cheated. I cancelled my XXXX because I just could n't put up with this anymore. I have enough health issues and I ca n't take this stress. How do I make this stop. I have received calls and notices and I am just tired of having to deal with his over and over again. I work in a professional office and I would have been fired by now if I handled the billing like this company does. If you google them you will see I m not alone in my complaint. Please help me. This also involves my credit but none of this has been my fault. Should n't they be held responsible on their end also? Thanks for any help you can give me. I do appreciate it. 

XXXX XXXX XXXX XXXX Ohio XXXX Phone XXXX Phone XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Was checking  my credit report found an account of a credit card that i never owned showing in the negative on my credit report. The credit reports show the card was issued by XXXX XXXX XXXX (XXXX  XXXX XXXX #XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX
Date Opened: XX/XX/XXXX 
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Balance: $XXXX
Date Updated: XX/XX/XXXX
Payment Received: $XXXX
High Balance: $XXXX 
Credit Limit: $XXXX
Pay Status: Current; Paid or Paying as
Agreed
Date Closed: XX/XX/XXXX
Delinquency of 30 days in XX/XX/XXXX and in
XX/XX/XXXX< I called XXXX XXXX XXXX because i have no knowledge of this account nor the negative report on my credit. I called the XXXX XXXX XXXX credit card company  was told by the credit card dept that they do not have anything in their records showing that i ever had a credit card with them and there was nothing they could do ( spoke with representative XXXX from the Arkansas XXXX XXXX XXXX credit card department) I need this problem and error fixed and my credit report corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was notified of a collection against my account with XXXX. This account has been closed for XXXX months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I opened a business account with bank of America on XXXX XXXX.I received a approval email on XXXX XXXX. I went in to make a deposit on XXXX XXXX and to my surprise my account was closed without reason. I never made any deposits, withdrawals or completed any debit card transaction. so now ill will have a ews " account abuse entry '' on my report and it will damage my business reputation and make it very difficult to obtain a new business account. I would like a explination of why my account was closed for now apparent reason

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I was approved for a modification on for my mortgage. Which means making payments on time. Within 30 day US BANK advised that they will update my credit report to reflect current. I still see late payments on my credit. I have contact them. They told me my letter came from a collection agency. I sent these letters myself and had them notarized. How can you ignore my request. I brought this property for {$200000.00} and its worth {$98000.00}. This is sad. I do not want to have bad credit also. I pay on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Debt collection (I do not know) with AMCOL Systems, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is the first time I have ever pulled up my credit score and to my surprise I had an account in collections that I was never aware of. I do not have any credit cards nor do I have any outstanding balances. Can you please assist me in fixing this problem that I know is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I called  XXXX  to have them to remove a name listed on my credit report. The rep said that she could not remove the name because if was attached to an account. I explained to her that if is not my name, therefore the account does not belong to me. She refused and instructed me to call the creditor of whom I have no account listed with.

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 12/13/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: There are 2 Portfolio Recovery Associates for the amount of {$420.00} and {$2300.00}. I have sent Portfolio Recovery Associates a debt validation several times with no response. Both items does not belong to me. Portfolio Recovery Associates had reported both items to my credit report and removed it then placed both items back on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Furnished misinformation being reported by Experian credit bureau which thus has been deleted by XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Managing the loan or lease

Complaint: Toyota Financial Services makes it extremely difficult to prepay principal forcing me to pay the full finance charge even when I make payments in excess of the amount due. I feel this is unfair and deceptive as I am paying interest on funds that they have the money to payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: i tried to deposit {$100.00} cash into my son 's bank of america account by going to a branch. 
i was told they would not accept cash because i did not personally have an account there. 
since when is cash not a viable option for our banking system to accept cash into account held at their bank. 
i have read that XXXX bank is also not allowing this. 

This seems like something that should not be allowed. The banks are in the best position to handle cash. The banks are in the best position to determine if the cash is real or not. 
If banks are allowed to set up business in the XXXX, they should be required to handle basic things like adding cash to a family member 's account.

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 01/15/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/2010 my mortgage owned by Litton was sold to OCWEN. OCWEN immediatly served me with foreclosue process, even though I was keeping up with my payments with Litton. I spent 9 frustrating and expensive months ( paying legal fees ) to obtain a loan modification. I tried to send payments in during the 9 month period but OCWEN would reject them. As each month passed I never knew whether me and my young daughter would have a roof over our head the next day. When my loan modification was finally obtained, OCWEN promised that if I made my payments on time for 3 years that they would forgive the fees and penalties they had accessed me during the foreclosure process. I kept my payments on time for the past 5 years and now am getting ready to sell my home only to discover in Escrow documents that OCWEN is charging me an additional {$70000.00} in addition to my mortgage payoff amount. They are calling them " shared appreciation ''.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Student loan (Federal student loan servicing) with Student Loan Processing Direct, INC (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was contacted by a company by the name of Student Loan Processing Service regarding lowering my student loan payments. The company charged me an initial fee of {$240.00} ( approximately ) to begin the paper work to help lower my student loan payments. I was also informed that I would be charged a maintenance fee of {$39.00} a month. This would be to ensure that the company would monitor my loan payments and make sure they remained as low as possible. This was about XXXX years ago. So, for approximately XXXX years I have been paying them {$39.00} a month. I was just sent an e-mail XXXX days ago from a representative of the company informing me that the XXXX XXXX XXXX XXXX company had shut down and she wanted to know if she could now take over my account. I was puzzled because when I checked my bank records they were still withdrawing money from my account as recent as last month XX/XX/2017. Needless to say a red flag went off and I call my loan company. They informed me that their is no charge for applying for a reduction in my loans based on the income-based application I was currently on. So for the past XXXX years I have had money withdrawn from a company who I now have researched and found out to be a scamming company. Please help me. What do I do to retrieve the {$1400.00} dollars taken from me over the past XXXX years?

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

Complaint: i have multiple inquiries not unauthorized by myself XXXX XXXX on XXXX and XXXX i placed a security monitor on all of my reports but still have numbers of new inquiries unknowingly i that are affecting my credit dramatically

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 04-02-2017 about Credit reporting () with Experian Information Solutions Inc. (AR).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: False inaccuracies reporting, i asked for a investigation for issue as my right, no reply. I mailed a certified letter of investigation request to the address provided to me by experian credit bureau and the USPS returned the mail. Could not provided accurate validation of verification in the alotted time frame more than 45 days and counting.

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 07-05-2017 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I am a former XXXX customer that has billing issues that the company has not been able to resolve through normal channels, despite numerous ongoing attempts by me. I canceled my phone service to XXXX on XX/XX/XXXX and paid off the service account at that time. The phone ( equipment ) was paid off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX leaving me with no balance for phone service or equipment. In XX/XX/XXXX I received a bill for phone service. I tried to access the account on line but I could not because the account had been paid off and closed down. I called XXXX to find out why I was receiving a bill. I spent hours on the phone because they could only see that the account was paid off and closed down and could not understand why I received a bill. After many transfers and several hours, I finally talked to someone that said that they could see that the bill was a mistake. They assured me that the account was closed with no balance. I was told that the issue was resolved and I should ignore the bill. In XX/XX/XXXX I received another bill for phone service. I again called and spent hours on the phone trying to resolve the issue until finally someone assured me that the account was closed with no balance. I was told that the issue was resolved and I should ignore the bill. This went on month, after month, after month, after month ( at least XXXX months ). Finally I decided to take their advice and start ignoring the bills that your company can not find a way to resolve. Now my account has been sent to collections and my otherwise perfect credit is ruined. Sunrise Credit Services , Inc. XXXX XXXX XXXX, XXXX , NY XXXX, ( XXXX ) XXXX is trying to collect {$210.00} & my otherwise perfect credit is ruined.

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 01/16/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have both federal and private loans. XXXX XXXX sold my loans to navient. Since my interest rates have sky rocketed, they have called my family members threatened to take my co-signers belongings. We have copies of all notifications and threats. I have been working with premier documents, but that ends in XX/XX/XXXX,  what do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed some accounts on my credit report with this agency. they said that the accounts were verified but have yet to send proof I know by law they to send me proof that the accounts in question verified in a lawful manner have yet to receive anything

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: This is the third attempt to rectify an erroneous report to the credit bureaus by your company. As a result, I have filed a complaint at the CFPB. 
My file is found in your archives/history. 
XXXX AES/XXXX representatives ID # XXXX, have confirmed ( verbally ) that your records reflect a full refund/payoff, however, AES/XXXX continues to erroneously report this account as a Charge-Off to credit bureaus and damaging my credit score. 
AES has verified that : 1. The school issued a full refund within XXXX days and your system reflects account paid in full, 2. I never registered nor attended the educational institution, and 3. This loan was cancelled. 

Please remove this report immediately from all credit reporting agencies, or I will retain an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-03-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a lengthy history with NationStar Mortgage with unaccounted funds roughly on the order now of {$110000.00}. First i received a notification from NationStar that i was roughly XXXX in arrears ( while in active BK ) that prompted for investigation. On or about XX/XX/XXXX i sent a qualified written request. The response was revealing not only was i not coded for active BK they also claimed not to have received at least 7 months of payments totalling the same. I requested forensic audit of missapplied funds with no success. Well i let it go because my Bankruptcy attorney told me since i was in an active chapter XXXX plan calling for a cram down to pay off mortgage note in 5 years once discharge was received i would be vindicated. However, for personal reasons i chose to dismiss plan voluntarily. On or about XX/XX/XXXX i sent letter of intent and QWR again to NationSTar requesting normal mortgage servicing and reconciliationof roughly {$110000.00} or more of funds which were mailed directly from Chapter XXXX trustees office. Upon dismissal not only did Nationstar inform me that the account was not coded for normal servicing but that they could not account for all the funds received. I was further notified today on XX/XX/XXXX at in fact i was contractually up to date but that i had a balloon payment under " corporate advances '' of {$70000.00} in addition to a principal of {$35000.00} which was due as a balloon note and will come due on XX/XX/XXXX. I was further informed that this balloon was a result of a streamline in house modification which i never approved nor was not made aware of the of the contents of such an offer much less affix my signature to the same ( all done without the trustees permission ). Apparently a very crafty investor at play, On XX/XX/XXXX i sent another QWR requesting proper application of funds with not so much as a letter to provide outcome. On or about XX/XX/XXXX i was told a letter wen tout to bk attorney that cram down as void but with no accounting of the funds received. Contractually under original terms of mortgage i had a 30 year fixed rate mortgage at 7,125 % with a payment {$1700.00} taxes and insurance included. Through the plan Nationstar was received {$2000.00} and upon filing petition i was only 2 months delinquent. Basically there are violations of consumer protection law on several fronts. I will attach evidence of my intent to communicate with NationStar to resolve this issue. I am a firm believer that a lot of problems with banks stem from miscommunication. However, in the present matter the facts do tell a more revealing story.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I received a credit report from Experian and they are refusing to dispute fraudulent accounts that are on my credit report, which they refused to dispute XXXX and XXXX. These accounts have been on my credit report since 2007, though old accounts, they do not belong to me. They belong to XXXX XXXX. I have attached supporting documents in regards to why these creditors should be deleted immediately. They are not my accounts. They are reporting the same accounts as duplicates. I did not live at the address listed on XXXX or XXXX 's application. I have attached documentation to show my addresses almost 20 years. I was not aware of the debt until discovering on my credit reports.

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