milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Just Looked at My Trans Union Credit report dated XXXX/XXXX/2017 Found these numbers on there that are not mine : XXXX XXXX XXXX I do n't know where they got these numbers from what billing or documentation there is for these but I do n't subscribe.

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 Debt collection (Medical debt) with Credit Bureau of Lancaster County, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Wrote letter on XXXX2017 to Credit Bureau of Lancaster County , Inc that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised Credit Bureau of Lancaster County , Inc. to remove incorrect information off my credit report. More importantly, Credit Bureau of Lancaster County , Inc are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from Credit Bureau of Lancaster County , Inc .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: paid my loan in full on  XXXX / XXXX /  XXXX   and is still reporting as an open account affecting me getting approved for a mortgage.   XXXX   XXXX   XXXX   said there is nothing they can do I have filed a dispute with Equifax and they said  XXXX  is not responding. although the account has been paid it is still reflecting on my credit file as open.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: my complaint is with DiTech formally Green Tree formally XXXX XXXX our loan has been passed from company to company. XX/XX/2015 we were issued an insurance check for some minor damages the check was sent to DiTech for there endorsement. We submitted all the requested documents pictures, receipts, notice of repairs completed. We have met all requirements. DiTech refuses to release the balance due us.All repairs have been completed over a year ago. DiTech is trying to force a conflict between us and our insurance company by insisting the adjusters estimation of damages is not extensive enough therefore they are entitled to keep the balance of the check.We believe this is an attempt to force us to use there insurance provider at a significant increase in the premiums. To date we have payed over {$90000.00} on a {$31000.00} loan to XXXX different company.We believe we are being exploited by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: On XX/XX/XXXX I deposited {$1000.00} into my checking account. I am a multiple times per day user of the Wells Fargo app, which I use to verify funds availability for my purchases. I made a string of purchases with my money, checking each time a transaction went through, and proceeded as normal. On the morning of XX/XX/XXXX I awoke to find XXXX NSF fees on my account. 

When I approached the teller at the XXXX branch on XXXX, I was met with a very rude woman who refused to help me in any way. She told me to call the XXXX number on the back of my debit card, which I did numerous to no avail. I then went to the branch on Vermont and spoke with a assistant branch manager who again was rude, but reversed XXXX of the fees, and stated he could do no more. He again directed me to the XXXX number. 

My account is now balance is now in the negative by {$550.00}. This is an absurd amount, as I WAS NEVER OVERDRAWN TO BEGIN WITH. Wells Fargo has used manipulation of how they post charges and deposits to my account in an effort to increase their bottom line. I refuse to put money into this account until they make it right and remove these fees ; consequently, they are once again trying to put through charges and now I am at a loss. They are destroying my life and they could care less. 

This is precisely the behavior that led us into a recession in 2007, and they are still at it today, as if nothing happened. Worse, they are discriminating against me due to the tyoe of account I have. They are criminals, and they need to be held responsible for their continued unscrupulous behavior.

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 monetary relief
Consumer complaint received 11-06-2016 about Credit card () with Atlanticus Services Corporation (CA).
Issue: Closing/Cancelling account

Complaint: Fortiva refuses to close the account that was created using stolen personal data. A letter was submitted to Fortiva on XX/XX/2016 with the opening of the investigation by my local police precinct. An account was open at both XXXX and XXXX, and were immediately closed on notification by XXXX and the other XXXX credit reporting agencies. Fortiva has refused to close the {$20000.00} credit line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02-09-2016 about Consumer Loan (Installment loan) with REGIONAL MANAGEMENT CORPORATION (TX).
Issue: Problems when you are unable to pay

Complaint: Even if I am a day late on my payment, they begin calling. Typically call my cell 3-5 times in a row. Then begin calling each reference. Threatened to sue me after being 5 days late last month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: On X/XX/17, Wells Fargo wrongfully charged an overdraft fee in the amount of {$35.00}. Upon viewing my checking account 's balance just that morning, there were more than enough funds to cover the charge that they are claiming incurred this fee, which was {$61.00}, paid to XXXX. When I point this out to them, they blame me and refuse to correct their mistake. Please assist.

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 monetary relief
Consumer complaint received 04-09-2018 about Debt collection (I do not know) with Pressler & Pressler, LLP (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 
12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 
15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Progressive Financial Services, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been getting 10-15 harassing calls a day from a collection company called Progressive Finance on my cell and house phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with First Data Corporation (MI).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XX/XX/XXXX *went to b XXXX XXXX XXXX XXXX to purchase important items for our home. 
TeleCheck refused to honor my check for the purchase three times. 
A supervisor told me the issue was resolved and to go the next day to complete the transaction. 
XX/XX/XXXX * it was denied again approval after being told by TeleCheck four times to go back again to run the check. 
TeleCheck should be placed out of business in authorizing checks personal or commercial. 
To many complaints and is running a Bad Business! 
*XXXX XXXX XXXX should find another way to authorize checks for their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Consumer Loan (Installment loan) with LENDMARK FINANCIAL SERVICES (GA).
Issue: Managing the loan or lease

Complaint: When working on building my credit, I took out a loan from Lendmark Financial in XX/XX/XXXX. I paid as agreed and on time until XX/XX/XXXX ( 12 months ), at which point they offered me a new loan and to consolidate the remaining balance of my old loan into the new one. Since 12 months of payment history was reported, I decided to do this to help my credit scores even more with another loan. I paid that loan off in XX/XX/XXXX. During this time, I had not missed a single payment on my loans, however, the original loan was never reported as closed, and shows a 90-day late payment in XX/XX/XXXX and two 30-day late payments as well. 

I have disputed this account several times with the credit bureaus, of which XXXX and XXXX WILL NOT remove the account, XXXX did on the first dispute. 

This account reports my ONLY late payment in my credit reports and is harming my credit scores and making me pay higher interest rates for all of my loans. 

The fact that XXXX and XXXX will not properly investigate the account is the primary issue. I 've contact Lendmark on multiple occasions and have received multiple verbal responses ranging from " I see the error and will get it corrected '' to, " we have no record of a late payment '' to " We do not show your other account with us ''.

Company response to consumer: Closed
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In  XXXX , I started the process of bankruptcy - but never went thru with it. I have since settled and paid my debt. I had an open account with  XXXX  that was charged off on  XX/XX/XXXX .
Since   XXXX   it has reported me late every month - even though the account is charged off and closed.
In XX/XX/XXXX  I called  XXXX  and asked if I could work out a settlement with them to get this account taken care of. The balance at that time was {$180000.00} -- they told me that if I paid {$100000.00}, they would reopen the account, set up payment arrangements for me for 12 months, and forgive {$60000.00}. They promised me that the balance would reflect as a positive balance on my credit, show the account was open and active and not reflect me past due but rather show me paying as agreed. I agreed to payments of {$1600.00} per month, and sent in the $  XXXX . They still show the account past due {$82000.00} - and charged off. I set this payment arrangement up with   XXXX   XXXX  . He misrepresented his promises to me, and did not honor any of his promises. I honored mine, and have since paid {$100000.00}. When trying to get a payoff or correct monthly statement, or to get it reported corrected on my credit they would not correct. I feel lied to.

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 09/20/2017 about Payday loan, title loan, or personal loan (Payday loan) with GVA Holdings, LLC (PA).
Issue: Struggling to pay your loan

Complaint: I obtained this loan not realizing how bad the interest rate would really be and what it would mean to me. My loan initiated on XX/XX/XXXX. I eventually made arrangements to pay what I owed off at the rate of {$100.00} a month. I have been doing this for the last 6 months. I have more than paid the amount that I owed yet I still owe {$710.00} as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern, I am writing this letter to complain about services from Select Portfolio Servicing XXXX Inc. ( SPS ). They have been managing my load for the past couple of years and I have had a horrible experience with them. I have been asking the company to remove my home owner insurance from the escrow account since XXXX of 2014 and the failed to do so. I wrote letters and called many times and every time I heard a different and usually conflicting story. They deferred this request few times and never resolved the situation. Each time that I talked to a representative I heard a different story. It has been a frustrating experience for a simple request. I felt responsible to write this letter and complain so this type of behavior and services are prevented for other citizens. 
Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Credit decision / Underwriting

Complaint: We had a contract for the sale of our home from a XXXX who had a letter of pre-qualification for {$650000.00} from SunTrust Bank. The buyer complied with all the requirements were given successful progress reports from the Loan Officer and as per the XXXX XXXX, 2015, purchase agreement surveys were done, inspections were done, small termite was fixed and home tented as per the contract requirement, we moved out and sold our furniture and today, the day before the closing, the Loan Officer at Sun Trust bank called the buyer and notified him that they were soon sending a letter of denial which can not possibly arrive before the closing date on the contract. The buyer was told at the end of last week that the loan officer was schedule to speak to the Chief Underwriter on Wednesday the XXXX to get his approval for approving the loan, but that the bank had added a new condition ( a week before the closing ) that the buyer had to sell his home before the closing to get the loan approved. The buyer was told it was a new rule that the bank had just put in place. A bank loan officer regularly dealing with real estate gives the buyer one week to sell a {$300000.00} plus property. Toda, Thursday the XXXX I received a text from the buyer that the bank Loan Officer told him that he will be sending a denial letter. In the mean time we as sellers had to leave our property for termite tenting required by Sun Trusts before closing ( which killed all the landscaping in the flower planters and makes it impossible to present for sale efforts ), moved out contents, sold our furniture, and the bank seems to bear no liability for disrupting XXXX families, particularly the seller who now has an empty home very hard to present as it is empty and with not furniture or decorations. Are there no regulations on the timing that a bank has to notify the parties officially when a loan is being denied and for what reason and do so timely to allow buyer to resolve the issue and the buyer not to proceed as though the process has no problems that will prevent a closing? If that is the case, it is time for more regulations and not less.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 02/26/2018 about Vehicle loan or lease (Loan) with HONOR FINANCE, LLC (IL).
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: Honor Finance is reporting a balance of {$730.00}.

On XX/XX/2017, I spoke to XXXX who advised that the account was Paid in Full and that no balance was owed.

However, the report doesn't reflect that. After several disputes, the XXXX account updated to {$0.00} Paid after Charge-off, and then was later deleted all together, but on XXXX Only

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I recently checked my credit scores on XXXX XXXX. And I see there are collections from 2009. Syndicated Office systems, and central Financial Control. I have never seen a bill from them. They never even tried to contact me. I also don '' t remember even seeing a doctor that year.

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 02-10-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am sending this complaint against Navient and Navient Solutions Inc. Originally, my student loans were with XXXX XXXX when I was enrolled in school. They were later sold to Navient. After Navient took control of my loans I was never notified by phone or mail. I received a copy of each one of my credit reports during the process of pre-qualifying for a home. At that time they were already reporting late payments to all of my credit reports. I immediately contacted Navient in hopes of securing a payment arrangement that would bring the accounts current. I was presented with a large monthly payment of {$1100.00} and I asked for a reduced payment plan based on my income ; which is what I was receiving for my Federal Student Loans with the Department of Education. Navient agreed and bought the payments down to $ XXXX monthly for all XXXX loans. Upon payment received by Navient, they were still reporting to all XXXX credit bureaus that I was delinquent. I 've disputed these late payments and accounts with both Navient and Navient Solutions several times over the past 3 years. I have not been successful. As a result my mother is not being garnished of her XXXX XXXX Check because she was my co-signer. When asked, Navient or Navient Solutions have not provided proof of loan amount due. Navient and Navient Solutions are reporting to my credit reports that accounts are closed with XXXX balances with late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Identity has been compromised. Should have mandatory fraud protection from equifax because of this. Every vital piece of information regarding my identity has been breached. that is very unsettling.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Debt collection (Auto) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, XXXX I recieved a call from XXXX with portfolio recovery regards to a repossession. I explained that I didnt have a car repossessed I proceeded to write them a letter requesting verification of said debt on the following dates ( XXXX/XXXX/XXXX, XXXX ) neither time was i furnished information regarding this debt. This Debt was due to be removed from my credit report on XXXX XXXX. This company reported false payment history on my credit stating I made payments to the XXXX ( this is continued false information ) .I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of payments made, never providing information that i owe said debt according to the FDCPA the amount is more than the previous reported items. ( A ) the legal status of the alleged debt stating that it is with attorneys via my credit report.

Company response to consumer: Closed with explanation