milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2017 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: Nissan-Infiniti LT is repo rting my account late on all three credit reporting bureaus and I have never paid late. I have an impeccable record for the last year that I have had this lease. In fact, I have another  Nissan loan  in my name as a co-signer for my daughter and my husband  has a Nissan le ase as well. All three have impeccable records for payment. I have requested the removal of the negative credit reporting but have not received a response. This wrongful reporting has caused my credit scores to decrease by up to  XXXX  points.

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 Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX f/k/a XXXX XXXX XXXX XXXX received fraudulent information using my credit to secure a modification/refinance loan that belongs to my ex-spouse. All correspondence and documents were sent to an address I never resided/lived at. I have tried to resolve this issue, unfortunately to my dismay, this mortgage loan continues to appear on my Experian and XXXX 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 non-monetary relief
Consumer complaint received 02/16/2016 about Debt collection (I do not know) with Solidus Group LLC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I was called on XX/XX/2016 by a gentleman who left a very aggressive voice mail threatening litigation if they could not reach me. They did not leave any company name or case number. On XX/XX/2016 the same company contacted my son XXXX XXXX, who lives out of state, looking for me and threatening court action. The name of the company is XXXX XXXX at XXXX. Since I do n't owe anyone any money, and all of my debt was discharged years ago, I googled the number. From the on-line comments this appears to be a very aggressive scam operation. They will not provide any information on debt owed or their company and instead demand personal information including SSN. I have blocked them but am afraid other people may unwittingly be scammed.

Company response to consumer: Untimely response
Consumer complaint received 09/15/2017 about Debt collection (Medical debt) with AmeriCollect (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I file a dispute with trans union on XX/XX/XXXX.This was for a medical bill while I was cover by XXXX  with a XXXX supplement plan and va coverage..The doctors did not submit the bill to my coverage in a timely maner and sent it to americollect who enter it on my credit report. when I file the dispute on XX/XX/XXXX they had the amounts of {$110.00}. and XXXX dollars. They said that it was not cover by any of my insurances.But took the XXXX dollar amount off the report..This was done on XX/XX/XXXX..The XXXX stay on my report until I paid it on XX/XX/XXXX.. I have no billings from progressive physician associates.. now americollect has added a new charge to these same physician on my credit report for XXXX dollars on XX/XX/XXXX.. I do not owe this and beliee I never owe the XXXX amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Struggling to pay mortgage

Complaint: I have requested from Wells Fargo by Registered Mail proof Of Notice of Default and Notice of Trustee Sale and where it was mail. I never received any of the  following. 

I also requested by Registered Mail before my home went into Foreclosure Proof of the Series bonds back and front. I was talking to some one for weeks about the situation and they was telling me over and over every day for over a month they was getting the information requested. I was calling at least 5 times a day according to my phone records of both my Cell phone carries. It was some weeks over 60 calls.
I spoke to the same man about the situation and I was getting the run around for what I had requested.
Wells Fargo had my address update and sent me a letter stating that they had on file to mail all important mail so why is it I never got a Notice of default or notice of sale.
I also have other issues to my loan documents that I have when I first closed was not all sign and I have all the papers that was giving to me and it 's like 24 sign lines not sign by me left blank. I have discuss this with some one some where else to this situation as well. Wells Fargo has yet to explain all these issues I have a lot of Registered Mail to them going back to these issues at hand about all these issues.
Nothing but the run around or they mail things you do n't ask for and a bunch of papers that have nothing to do with what you ask for.
talk to the office manager in XXXX about how the association would not let me in at my own property. that issue went own I was paying the payment and could not even get in I was told Wells Fargo did not answer the notice that was sent to them. I call and they kept sending me around in a circle about that issue I was told by the manager at the XXXX office I was still the owner it was one lie after another with Wells Fargo My next issue was with the IRS tax lien on the property and it was for {$34000.00} on the property and I was told you can not remove a tax lien by the IRS once place on it.

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 02-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I do not owe this bill. XXXX was aware years ago this was id theft. I requested or this company remove this off my credit report. I never received anything in writing from this company. next thing I know this on my credit. this company just put on here. I wrote a letter of dispute as well demanding they remove it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XX/XX/2017 I discovered the collection account from XXXX XXXX XXXX XXXX ( account # XXXX ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. If a previously negative item is reinserted the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. Please delete this item immediately.

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 06/23/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call up to 8 times a day from spoofed numbers. They are rude and use obscene language and wo n't tell me where they are calling from. I call back and then I can get the name of the company. They called at XXXX XXXX also

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Bank account or service (Checking account) with U.S. BANCORP (CO).
Issue: Account opening, closing, or management

Complaint: I opened XXXX accounts at US Bank on XXXX XXXX, 2014. I opened a savings account with over XXXX and a checking account with over XXXX. When I opened the checking account I asked for it to refuse atm and check card overdrafts, but the customer service representative had issues with his computer. It went down and he had to reenter all of my information. I believe he made a mistake. I had to enroll in a XXXX a month transfer to the savings account from the checking account to participate in the start program. At that time, it was electronically taken and I had forgotten that it was to come out on XXXX XXXX, 2014. On XXXX XXXX I received and overdraft, on XXXX XXXX I received XXXX overdrafts and on XXXX XXXX I received another overdraft. XXXX of the overdrafts was for a purchase under XXXX I have included their rules that say the purchase has to be over XXXX to warrant a fee. That 's when I realized that there was a mistake in setting up my account. I called online banking and they refused to help, the banker said I had to change it online or go to the bank. I went to the library ; I did not have online access at my home. I could not change it because I was not on the same computer it was set up on and I had not set up the account previously. I went back to the bank and he refunded XXXX of the charges. As you can see from the attached paperwork I paid XXXX in overdraft. All XXXX purchases did not even equal the fees. I would like the other XXXX overdraft fees refunded, based on their mistake, because I would not have kept purchasing if the debit card had declined in the first place. I had another debit card at XXXX XXXX XXXX XXXX, I would have used it instead. I also want the fee removed for XXXX for a XXXX maintenance fee and XXXX for forced closure. I checked my debit card in XXXX and the machine said it was not available. I could not add or take money out. I want any reports to the credit bureaus rescinded and I hope you fine them. I would like my XXXX back and they need to remove my name from their collections account for closing fees when they had already closed the accounts. 

Thank you for submitting your complaint to the Federal Trade Commission. 

Based on the information you have given us, we believe the following links to our consumer website may be helpful to you : XXXX XXXX to Avoid Fraud If you have any questions or would like us to add additional information to your complaint, please call XXXX to speak with a counselor. When you call, please have this reference number:XXXXto help us quickly retrieve your information.

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 08/31/2017 about Debt collection (I do not know) with Northstar Location Services, LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I live I California and I was called at XXXX 5x back to back as well he threaten to sue me and kept harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I attended a XXXX college in XXXX where they applied for a private loan from Genesis while attending. I believe I was given false information to attend their school ( XXXX college ). I understand that there were a settlement agreement in which I should have received something in the mail in XXXX of XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
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: There are multiple accounts of the same collection reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2017 about Credit card () with U.S. BANCORP (TX).
Issue: Transaction issue

Complaint: I had inadvertently sent an overpayment to US Bank which I requested a check refund. Instead of honoring my request or inform me that they could n't, they sent the payment back to my XXXX which they ca n't find the refund. US bank has requested a trace number but it 's meaningless to the bill pay provider. Now I 'm out of {$680.00} due to US bank 's oversight and lack of due diligence.

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 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX  claims they are servicing a loan for   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX . The Bank  XXXX   XXXX   XXXX  was conveyed  a Trustee 's D eed on  XXXX   XXXX . The   XXXX   XXXX   XXXX   XXXX    XXXX  filed a Forcible Entry and Detainer Suit in  XXXX .   XXXX   XXXX   XXXX   XXXX    XXXX  was awarded Judgment of Possession in  XXXX   Court and County Court i n  XXXX . I filed a lawsuit to enjoin  a Wrongful Post-foreclosure eviction. On  XX/XX/XXXX  in open Court,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   advised the Court they would not   eviction me during the pendency of the lawsuit. This lawsuit is currently pending in the  XXXX  District Court,  XXXX  county Texas.     On  XX/XX/XXXX ,  XXXX  's attorney admitted in  Open Court they  were only responding to a dispute letter. They had sent me no default letter, noti ce of Acceleration, or notice  of foreclosure. However, my credit report shows I 'm delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have  XXXX  credit inquiries from  XXXX   XXXX   XXXX . I authorized the pulling of my report in  XXXX   2017 . I did not authorize the subsequent pulling of my credit report after  XXXX   2017 , yet there are  XXXX  more inquiries appearing on my credit report. I have asked  XXXX , Experian and   XXXX   to remove these inquiries and they have refused to do so even if I did not authorize it. None of the agencies can prove that I provided consent because I did not, but even so, they refuse to remove it from my credit report which adversely affected my  credit score and ability  to obtain a home mortgage.

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 Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Have tried to get a loan modification from Wells Fargo to not avail, even though they have a XXXX and XXXX XXXX on our only property. 
They keep coming back denying the modification, because all their calculations are based upon the income and payment on the XXXX XXXX, without considering our XXXX XXXX payment and my wife ( she 's XXXX years old ) Student Loan payments that amounts to over $ XXXX/month. 
She did receive her XXXX XXXX XXXX in XXXX and XXXX at age XXXX. 
Now helping the XXXX, XXXX XXXX, XXXX, XXXX XXXX, etc. 
working for XXXX XXXX as a XXXX XXXX XXXX I 'm XXXX years old, XXXX from XXXX We want to keep our only property. 
A NOD has been already filed, even though we were in the middle of a Loan Modification process.

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 01/25/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech Financial did not pay my county taxes with my escrow funds they collect, this resulted in delinquent taxes with late fee 's, penalties and interest being added to my tax account. I contacted Ditech ( XXXX XXXX ) via email & Customer Service via fax on XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015 each time they said they would take care of the taxes. I spoke with XXXX at DiTech XXXX/XXXX/2015 he said they would pay the property taxes. XXXX/XXXX/2015 I paid the taxes myself including the late fees, interest and penalties ( receipt attached ). XXXX/XXXX/2015 Ditech ( XXXX XXXX ) was contacted and sent my receipt ( via email ) showing I paid the the taxes & penalties, he said they would reimburse me for the interest and penalties. I have submitted written requests to DiTech ( XXXX XXXX & Customer Service ) on XXXX/XXXX/2015, XXXX/XXXX/2015 & XXXX/XXXX/2015 to reimburse me for the penalties and interest I paid as a direct result of Ditech inefficient servicing practices. This is fraudulent servicing practices and Ditech is in default of the service contract.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX continues to report inaccurate lien amounts. 
A.XXXX and IL dept of Rev failed to send proper notices to me, thus not allowing me to respond, in addressed to XXXX XXXX name B.Placed an XXXX lien. NEVER owed that C.I am sure the state of IL has hired an agency, XXXX who carelessly place errors on consumer reports hoping and using as a collection tactic. 
Delete lien amount error I need Cfpb assistance with this as they continue to report wrong information to bureaus. Even the most recent letter has wrong amount and not addressed to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Debt collection (I do not know) with DISCOVER BANK (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: It comes up Discover Finance ... ... I do not own a XXXX card, never have.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Consumer Loan (Installment loan) with Quick Click Loans, LLC (MO).
Issue: Problems when you are unable to pay

Complaint: I have fallen behind in my psyments. I made a payment 11 days ago, and the company has called me multiple times. I received a call at my workplace which was answered by XXXX of my subordinates, causing me great embarrassment and disclosed the fact that I have a loan that I am behind on. I had previously told Brookwood not to call me at work. They called under XXXX, of which I have attached a PDF photo of the office caller ID. I told that person a XXXX the never call me again at eork, as my employee now knows I am behind in my payments.

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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: filed bk chapter XXXX Discharged XX/XX/16 case number 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 03/18/2016 about Debt collection (Medical) with ALCHRO INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Unknown account listed against my personal credit file, validation was requested and also a dispute was filed. Please help assist.

Company response to consumer: Untimely response
Consumer complaint received 03-05-2018 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (WA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: A representative claiming to call on behalf of Wells Fargo called my private cell number stating they were calling on a debt from my former mortgage company which was closed since XX/XX/XXXX. They did not read mean any mini-XXXX  and claimed they could keep on calling as long and as often as they wanted to. The call came in at XXXX PST from XXXX-an Arizona number. On the call, I explained that this debt was past the statute of limitations for collections. To which XXXX XXXX said they can still continue to call me regardless and make efforts to collect a XXXX debt even though it as past the SOL. The representative identified herself as XXXX XXXX and her supervisor as XXXX XXXX. When I told her to never call my private cell number again she said I was personally liable for the debt and they would still call. No effort was made by WF to tell me they were calling on a SOL expired debt, no notice of debt was sent to me, and no effort was made to inform me of my rights.

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 09/16/2015 about Credit card () with U.S. BANCORP (CA).
Issue: Billing disputes

Complaint: I purchased an item ( Steampod hair straightener ) XXXX that missing the tank, comb and main problem is the power in XXXX is XXXX volts but in XXXX is XXXX volt, so I contact the merchant XXXX to return it, after asking to get shipping quote XXXX FOR {$210.00}. 
I called USbank card services XXXX. XXXX, his telling me if purchasing item from XXXX with Visa card I am responsible for shipping, XXXX and US bank disclosed the information and should not ship the defective unit with disclosure so is US bank responsibility to pay or ask merchant to correct the problems or take it back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation