milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Midland Credit Management contacted me about a XXXX years old debt that was charged off my Credit History XXXX years ago, It was affecting my Credit Bureaus for XXXX years now this Agency sent my old debt to another new Debt Collection Agency named XXXX XXXX XXXX, this last one is threatening me with another XXXX years od bad luck.Please help me.The original collection started in XXXX with a XXXX XXXX XXXX Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Debt collection (Other debt) with LJ Ross Associates (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: LJ ROSS Assoc, have received the official police reporting showing my identity was used without my permission to open a fraudulent utility account. They sent a letter stating they would cease communication without stating they would cease all attempts to collect the debt owed and removing the account from their record. The police department instructed for me to exercise my rights using CFPB and other agencies to get the matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX Wells Fargo charged my account without notice $ XXXXFor 13 Years XXXX sent qualified written request asking Wells Fargo to identifythe components. I got replies as follows " WE have received your inquiry and as soon as our research is complete you will be advised ''. The last received was on XX/XX/XXXX. ( all together about XXXX to XXXX inquiries were sent and each reply was the same - a lie ). 
Please keep in mind, XXXX must approve and agree with all loan modifications.other wise, Wells Fargo would go crazy with the Loan Modifications Wells Fargo has not provided any proof that XXXX agreed and approved or even knew about the amount .posted XX/XX/XXXX. therefore this is not a legitimate .charge. There is no way that on XX/XX/XXXX XXXX knew what to bill 20 months later and would not have approved any charge at that timeThank youRobert D XXXXXXXXXXXX characters remainingYou will get some funny answers. including about XXXX lbs paper saying nothing related to this problem. Just ask Wells Fargo to furnish proof that XXXX approved the chargeto XXXX account XX/XX/XXXX. and furnish proof there off-Thank you vvery much and good luck. 


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Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion will not remove this misleading information on my credit report. 
I sent them a identity theft report and they removed a bankruptcy and left XXXX tax leins on my report. But they say they could n't accept the report but the item was removed. They Transunion are just stalling, and causing me financial harm, and stress. My next move will be to sue Transunion for willful noncompliance and {$5000.00} for each item they refuse to correct on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My bank sold my house, when they told me there was no sale date and they had postponed the last one. They did n't notify me of the sale prior to the sale as they have in the past. I only got a notice that it had been sold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I tried to log in to the website. I was n't able to log in so I called the customer service phone number and they were n't able to get me to log in after several attempts and temporary passwords. They were able to successfully verify my identity. I used XXXX different browsers while we were trying. I cleared cookies and restarted the computer as they had advised. Nothing worked. The customer service rep finally created a tech support request on his end after an hour of staying on the phone. They asked me to call back in 7 business days to see if the issue has been resolved. I wo n't be refunded for the amount of time I am not able to use the service. I asked to speak to a supervisor and was placed on hold for longer than half an hour. This is on top of my staying on call with their rep for 50 minutes trying to resolve the log in issue. The customer service rep came back online and mentioned that I should try logging in again. I asked him that I need to speak to the supervisor and I do n't want to try anything again. I told him that I am filing a complaint with Bureau of consumer financial protection. As soon as I mentioned that, I had a supervisor on the line ready to speak to me. I asked him to refund me the amount that I paid since my last successful log in. He said he can only refund one month of fees which is wrong. I think it is unfair to have someone stay on phone for longer than an hour of their life trying to resolve an issue that 's on the company 's side.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 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: Same old same old- just recording for legal purposes.  Information never correct even after dispute. I check with lenders and they CLAIM they have rectified it.   XXXX   did not allow me a dispute again. Lenders claim they " were '' not notified by  XXXX . My core has not gone D O W N even with numerous corr ections.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed multiple collection accounts  (    XXXX   XXXX   XXXX   &  XXXX  ) with equifax and  XXXX . The accounts were deleted on both but now equifax has reinserted accounts from both collection agencies on my credit report. Also Equifax has been very uncooperative in removing the excessive amount of hard inquiries that I asked to be removed. I 've called and also faxed a multiple inquiry removal letter and have heard nothing back. My Score through equifax is really suffering, it 's close to  XXXX  points off from my other  XXXX  scores.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (Other debt) with Monterey Financial Services LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Monterey Collection Service is reporting a collection account to all credit bureaus as a collection account that 's in the status as open, it 's also reporting a high balance and a balance owing and the balance goes up each month ... How is this possible when the account is supposedly a closed collection account. Instead of updating the account with " included in bankrupty, closed, { {$0.00} } balance '', they sent the account to collections. The collections comp any Monterey Collection Services has put a collections account on my credit report further ruining it when they should not have received the account in the first place. I contacted Monterey asking them to re move the account and they said they will not. The account was included in bankruptcy but I am continuing to receive letters demanding payment. I want this account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: On the same day TransUnion has issued XXXX different credit scores. The XXXX Score XXXX Credit Score for me is stated as XXXX ; however, TransUnion Credit Monitoring is showing XXXX. Also XXXX XXXX had deleted an illegal collection and advised TransUnion to delete this. ; unfortunately, each representative told me it had not been deleted. After arguing with these people, they found that it had been deleted ; but this deleted collection is still determining my vantage score XXXX credit score with TransUnion. It is only with TransUnion that I have such a low credit score. TransUnion had made too many mistakes on the file causing me to have a low credit score. There is a serous problem with the system at TransUnion.

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 02/26/2018 about Debt collection (Other debt) with EOS Holdings, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: After XXXX XXXX passed I went to XXXX on XX/XX/2017 to have all lines switched over. It wasn't until two months later that I was notified that XXXX XXXX still had an open revolving account. XXXX did not switch all lines and the reason how I found out is because I was waiting on a final bill from XXXX XXXX to have XXXX process electronic visas to pay off the XXXX XXXX account. There were additional charges added which I notify XXXX about. I also notify XXXX XXXX that they did not have my correct address on file and that's why I never heard anything from them. I am currently still waiting on XXXX to process those electronic visas to pay XXXX XXXX. By the time two months had pass when I found out about the account still being open I had been laid off by my employer. I became XXXX and have not been able to obtain employment to make any payment of my own. Once I received the letter a few weeks ago because of XXXX XXXX having wrong address and PO box issues I called the collector and try to pay the amount that i have a letter for of XXXX. I did not know of any of this earlier or i would have paid my share. I cant pay for XXXX share because they havent issue there portion yet and had drop the ball on this issue. This XXXX wants XXXX and i try to explain but they said no to anything i was trying to explain.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Several disputes have been file with Experian but they continue to show inaccurate information. They show Wage Earner plan with XXXX XXXX XXXX and XXXX XXXX. I sent documents showing the hose sold and they continue to report information that is not accurate. I have a Chapter XXXX voluntary dismissal. I won a XXXX case and withdrew the filing. they hire a third party document researcher who sans documents and eliminates the facts. This is wrong and they refuse to correct the issue,

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 08/28/2015 about Debt collection (Credit card) with Total Card, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This credit card has not issued me a replacement credit card yet continues to call me asking me to pay a bill on which there are several charges I did not make. Thus a new card being shipped out XXXX months ago! This makes no sense, and they never even asked me if I got the card. Never concerned abou providing me a fresh start

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have sent a letter to Transunion for them to take the bankruptcy off my credit report. I have sent them a letter from the bankruptcy office stating that they do not report to the credit bureau and its has not been validated. They are putting false information on my credit report. I also need the inquiry XXXX off my report this is false.

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 12/17/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MI).
Issue: Application, originator, mortgage broker

Complaint: On/around XXXX 2015, my wife and I contacted Wells Fargo ( currently have a mortgage with ) to apply for a XXXX refinance in order to update our home. Upon filling out the credit requirements and getting a preliminary approval, we were charged {$950.00} for an appraisal fee. During the time of the appraisal ( waiting for it to come back ), we had to pay a .25 % fee on the loan in order to keep our rate locked in. After coming back with the appraisal, which was too low for the amount we requested, we were instructed to revise the bid down to the amount Wells Fargo would loan. During this time, we had to agree to another .25 % fee to extend it yet again. After submitting the revised bid, we were told we would have to pay another .25 % fee to hold the rate ( rate expires after 2-4 weeks ). This was agreed to yet again. Upon receiving the revised bid, Wells Fargo required that another appraisal be done because the scope of work had changed ( at their request ) and that they would pay for a second appraisal but we would have to extend the rate again with another .25 % fee due at the time of close ( approx. {$650.00} per extension in fees ). 
With a total process of 6 months from the time of application to the request of a second appraisal, I feel as though Wells Fargo has an unwritten policy of intentionally creating an environment in which consumers are given the option of re-financing but through their arduous and twisting process, hope to lose them through attrition. If a loan does close, they have collected numerous " fees '' in the form of rate locks. These rate lock fees coincidentally happen to coincide with time sensitive occurrences such as appraisals, underwriting decisions, etc. thus resulting in the consumer being pressured to agree to the rate locks or risk starting the loan process over again. Due to this hostile environment, I formally requested the {$950.00} fee refunded. After 4 weeks ( XXXX extensions ) by their " Compliance Department '', I was told that there will be no refund.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: Chrysler Capital has an unethical, disorganized, and unreliable loan management system. Their interest is calculated in a ambiguous fashion as to confuse consumers and have them pay an exponential amount more. They are not transparent with their consumer 's money and where it is being allocated. I have always been on time with my payments, never faltering in sending the amount i owe, plus some more. Every time i send a check to be applied to my principal account i have to take precious time out of my day, to call them. Furthermore, their accounting department is not up to date, and take days to resolve issues pertaining to consumer 's money. Thus, this reflects when XXXX checks statements online.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Balance transfer

Complaint: On XXXX XXXX, 2015 I did a balance transfer of {$19000.00} from my XXXX Credit Card Acct. to American Express. On XXXX XXXX, 2015 American Express sent me a letter stating that they were declyning the balance transfer of {$19000.00} from XXXX and returning the money back to XXXX. On XXXX XXXX, 2015, I contacted XXXX to ascertain if they had received the returned check of {$19000.00} from American Express and they stated that they had not received anything back from them. When I contacted American Express to inquire about this matter, American Express stated that the check had been sent back to XXXX and that I had to figure out where it went. American Express was unwilling to help me any further regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have wrote  XXXX ,  XXXX , and Equifax on many occasions about a dismissed bankruptcy chapter  XXXX  and ask how they verified. Equifax said they will removed but still fail to do so.   XXXX   and   XXXX   said they verified but the court said they did n't verified threw them. This item is not mines

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (CA).
Issue: Managing the loan or lease

Complaint: I live in XXXX and was sold a vehicle by a XXXX dealership located in XXXX XXXX XXXX XXXX and XXXX, the transaction was done via the telephone, internet and mail. The vehicle was financed by Ford Credit on XXXX/XXXX/2016 in the sum of {$36000.00} at 0.00 % interest for 60 months. The issue that I have is that the vehicle I was sold is not certified to be sold in XXXX which has special emission control requirements for vehicles. Seeing that the vehicle that was sold to me is not a XXXX emission control device vehicle. The vehicle may be a XXXX XXXX XXXX emission control vehicle, but is not XXXX emission certified. Due to the reasons stated above I can not register XXXX drive, insure or license the vehicle in XXXX. This is the reason that I have refused to accept delivery of the vehicle from the selling dealer. I feel that Ford Credit should have advised me that the vehicle could not be used in the State of XXXX as should have the dealership. I feel it is a shared responsibility of the dealer as it is the leading institute to protect a consumer. I have contacted Ford Credit, the selling dealer as well as Ford Motor Company. As of this date I have not received any sort of satisfaction. I have been told by Ford Credit that I am obligated to the contract and MUST make payments. I have been told by Ford Credit they have nothing to do with how a dealer does business, Ford Motor Company has told me they do not interfere between a dealer and a customer. I have filed complaints with the XXXX Office, XXXX, with Ford Credit and Ford Motor Company plus XXXX XXXX XXXX XXXX. I also have several other concerns about the validity of the contract itself. The sales contract was drawn up on a blank XXXX Vehicle Retail Installment Contract. I am certain that this contract is missing verbiage that has to do with California residences.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am at an income based forgiveness of $ XXXXmonth but just noticed the loan company, Navient, is still adding money to my account after I was told my account would stay frozen until after I started making payments again!

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: I lost XXXX dollars because of a flash crash caused by a market order which caused the price of ethereum dropping over 29 % in seconds and sparking a cascade of margin calls and stop loss orders. I am one of 800+ other investors from which this occurred to totalling a loss in the XXXX as our asset price flashed from over 300 dollars to cents within a second as the site went down ( locking in our trades ). This occurred on the XXXX site which is a Coinbase company. They said there was no error however they started reversing trades on the Coinbase site and not XXXX trading site. Many people lost life savings in the belief this flash crash was n't possible because of proper controls set in place by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX is reporting on my credit report that I 'm deliqute when I 'm not that added more m onwy on to my balance

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (Medical debt) with Firstsource Advantage, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX/XXXX/XXXX {$1100.00}, I Called the company that showing on my credit report to find out what this is and I would told them I was treated at XXXX XXXX and that the i owed this amount I told the agent that I was not in the hospital, and this is not my debt and i would like to have this removed from my report because it is taking my score down. One Advantage LLC, XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Sir, XXXX XXXX XXXX, 2016, we refinanced SLS loan # XXXX to XXXX. 
The escrow account had {$1900.00}, but SLS sent us a ESCROW PAID IN FULL CHECK # XXXX FOR {$450.00} - we have not cashed it! 
After several phone attempts, we finally spoke with SLS - XXXX on XXXX/XXXX/16. 
XXXX XXXX assured us that we would be receiving the difference within 2 weeks. It is now XXXX XXXX, 2016, well past the two week deadline and a couple days past the Georgia Law for damages for not satisfying the Escrow account properly. 

I expect XXXX checks from SLS : XXXX - will be for the {$1500.00} that is my monies. 
XXXX - will be a check for {$500.00}. for damages per Georgia Law I am sending this letter and supporting documents to the CFPB and to the Lien Release Department of XXXX , County, Georgia. 

Sir, these are the consequences of your past actions.

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