milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-01-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: So I received a notice from CFPB that the XXXX agencies were working on my issue still and would not get an answer for up to 60 days from the XXXX agencies who would be checking into the my concerns with a collection company called XXXX XXXX and XXXX Bank. Since my response and uploading documents proving I did dispute with the XXXX credit agencies of which the say they had no record of, I have recently received these additional XXXX response letters from XXXX of which I think is somewhat of a retaliation to my original complaints regarding their incorrect reporting. You will see that in the body of the letters to the upper right hand side ( circled, arrow & stars ), they are still unwilling to change the balance of debt to read " {$0.00} '' and keep reporting that I owe them all this money. There should be not indication of any balance due them or XXXX Bank anymore on any correspondence or public records since all the accounts I previously had with XXXX had already been discharged between XXXX & XXXX before XXXX XXXX sold their business accounts out to XXXX Bank. XXXX who is now working with XXXX XXXX both are to still trying to collect on these funds from me and reporting this on all XXXX credit reports as of XXXX/XXXX/2015. I need for all the accounts under both XXXX and XXXX Bank to be totally erased from all XXXX credit reporting agencies ( Equi-fax, XXXX and XXXX ). I have attached below these letters I am referring to. I am sure there will be another letter on its way because there was a total of XXXX accounts with XXXX XXXX to include XXXX XXXX not included.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: To   XXXX   :  XXXX   XXXX   XXXX   XXXX , TX  XXXX  The following inquiries are in correct Someone has my personal information and has tried to apply for credit using my personal information. I have a added a fraud alert on my file Please remove these fraudulent inquires   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name this  XXXX  is OK  XXXX   XXXX   XXXX   XXXX  Date of request  XX/XX/XXXX  Inquiries shared only with you Account name  XXXX  Date of request (  s  )  XX/XX/XXXX   XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX    Date of request (  s  )  XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX  Account name  XXXX / XXXX / XXXX  Date of request (  s  )   XX/XX/XXXX    XX/XX/XXXX Account name  XXXX   XXXX  Date of request ( s )  XX/XX/XXXX  Account name  XXXX / XXXX / XXXX  Date of request ( s )  XX/XX/XXXX  Account name  XXXX    XXXX     XXXX   XXXX  Date of request ( s )  XX/XX/XXXX  Account name  XXXX / XXXX   XXXX   XXXX  Date of request ( s ) XX/XX/XXXX  Account name  XXXX /  XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name  XXXX  Date of request (  s  )  XXXX / XXXX / XXXX  Account name  XXXX   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name  XXXX   XXXX    XXXX   Date of request ( s )  XX/XX/XXXX  Account name  XXXX   XXXX   2  Date of request (  s  )  XX/XX/XXXX  Account name  XXXX   XXXX  Date of request (  s  ) XX/XX/XXXX  Account name  XXXX   XXXX  Date of request (  s  )  XX/XX/XXXX Account name   XXXX    XXXX  Date of request (  s  )  XX/XX/XXXX  Account name  XXXX   XXXX   XXXX  Date of request (  s  )  XX/XX/XXXX  Account name  XXXX  &  XXXX  Date of request (  s  ) XX/XX/XXXX  Account name   XXXX   XXXX   -  XXXX  Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX    Date of request (  s  ) XX/XX/XXXX  Account name   XXXX   XXXX   XXXX  Date of request ( s )  XX/XX/XXXX  Account name  XXXX  Date of request (  s  )  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX  Account name   XXXX   Date of request (  s  ) XX/XX/XXXX  XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (NJ).
Issue: Managing the loan or lease

Complaint: This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and XXXX distress until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (PA).
Issue: Deposits and withdrawals

Complaint: I had fraud on my checking account with Navy Federal Credit Union. This happened while I was in XXXX, the person who did it was XXXX XXXX, I submitted all the fraud affidavits filed a report with the police in XXXX, XXXX and filed a ftc report as well. In addition I filed the fraud paperwork Navy Federal Credit Union sent me. This still has not been resolved. Navy Federal has blocked access to my accounts and say I owe them for this. I have filled out all the paperwork, filed police report but still they will not let me access my ccounts or give me new account numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan funded by XXXX was transferred from XXXX XXXX XXXX to Seterus, they lied to me once about a modification ruined my credit in the process, now they cheating me out of money for an Escrow account that I do not even have. They are dishonest. I am very afraid I have to watch them so closely, the problem is they are servicing loan for the government the same place I am filing a complaint. Now they are taking extra money in my monthly statement and can not explain to my why. This company has more complaints than any company on the planet but nothing is being done because they are working for the US government. First they took money for taxes but my taxes were paid Now they are taking money for HOA but my HOA dues are current.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Yesterday I received in the U.S. mail my annual " FREE '' credit report from " Equifax. '' On " Page XXXX of XXXX, '' under the " A Request For Your Credit History '' column it states that some unknown company named : " XXXX ; XXXX XXXX XXXX ; XXXX, MD ; XXXX ; Phone ( XXXX ) XXXX '' made an unlawful access to my " Equifax '' credit file on " XXXX/XXXX/2016 '' which is unlawfully noted on my " Equifax '' credit file. I have NOT applied for a credit card, etc. in over 3 years. This is NOT mine. I am a victim of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (NE).
Issue: Trouble during payment process

Complaint: This complain is against OCWEN FINANCIAL SERVICES.
We have had our Mortgage through OCWEN FINANCIAL SERVICES for almost
6 years plus. We originally started with GMAC until they went bankrupt and sold our mortgage to OCWEN FINANCIAL SERVICES. We have had numerous problems with this company. ( too many to mention ) The complaint we would like to make today is the fact that OCWEN refuses to put my husband 's name on the mortgage, even though it was on it in the first place until they refinanced the mortgage. OWEN FINANCIAL SERVICES stated that my husband 's name could not be added because he was in a bankruptcy and the house was included in this bankruptcy. We have told them time after time that the house was NEVER-NEVER-NEVER in any bankruptcy. Our attorney wrote letters and called them saying that the house was NEVER in bankruptcy. Still OCWEN would not add my husband 's name to the mortgage. We would like this matter to be looked into and corrected so that my husband 's name is put in first place and then mine to follow. We want it this way so that his credit gets built up as he makes all of the payments. Right now he has a very low credit rating and it is because he is not getting the recognition of having paid this mortgage payment. Please try to remedy this situation as soon as possible.

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 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Bankruptcy was dismissed  XX/XX/XXXX and still has not been removed. ( Was originally filed  XX/XX/XXXX  ).
Judgment was satisfied Supreme Court State of N.Y XX/XX/XXXX  and still has not been removed.

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 Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I received a phone call this morning from naviant attempting to collect a payment on my student loans. They have been in default do to financial hardship this year which I have been in touch with them all along and they know each situation. They told me I needed to make a payment and they needed it now. I said I do n't have the money by I just lost my job they said you need to get the money whether it be a bank a credit card or XXXX paying it for me I said I have nothing and no one who can pay it. They told me to make phone calls and to put them on hold. I said there is no one I can call they became threatening and told me they were going to take action with out telling me what action, and that they needed me to get them their money. I said I could n't have it for them right now they said they were n't going to wait. This conversation took over a half hour in the morning after the day I lost my job. I am a good person but feel like they are making me out to be a criminal. I have no problem paying when I have the money but they hound me and make accusations and tell me they are going to take action I honestly scared. They asked me about my tax return witch I do n't want to give info on my taxes to anyone. I feel violated and harassed with the calls I get and the information they wanted to give them.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (GA).
Issue: Taking out the loan or lease

Complaint: I tried to get into Wells Fargo Dealer Services online tool to pay my car note. However, I got a message saying that my rate has changed. 
When I called, they said that that message applied to my old car loan and being over charged for interest. They sent me a check for {$48.00} but my concern is that they did not go into details about the months involved with the overage. I would like to know if I am due more since I do n't have a clue on any specifics. This happened immediately after the scam when employees were fired due to fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I fell behind on my mortgage payment this year. My mortage co. was holding XXXX $ in a suspense account I sent them about XXXX $ XX/XX/XXXX cashiers check because they kept returning my payments I would send them a check as the arrangement that was made between the account mgr and myself. He accepted the arrangements. then the arrangements were not good enough. I was to send XXXX $ every 2 weeks. They would take almost 2weeks to cash my checks then charge me more fees. My XXXX is no where to be found and I have been sending my payments via certified mail to ensure they get them My accont is way behind with all their fees they keep changing where my missing $ is and they keep threatingto forclose on my house. they wont fix my account or tell me where my missing $ is I got a payment report from them it says the money was returned to me I never got it and they cant tell me the check # or when it was cashed and it has not been applied to my account.Ever since this company got my loan they have done nothing but mess up my account from the 2nd month they had it

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Vehicle loan or lease (Loan) with American Credit Acceptance, LLC (GA).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: On XX/XX/XXXX I paid off my loan with XXXX. In turn my Gap Insurance was cancelled on the same day. The company policy for XXXX XXXX XXXX is 10 business days for refund of Gap Insurance payments. I initially contacted them on XX/XX/XXXX to make them aware of the cancellation and expectations of the refund of {$800.00}. I was told the check would be mailed on XX/XX/XXXX. 10 business days from the date of cancellation. I called again on XX/XX/XXXX and was told they had n't mailed the check they would mail it out on XX/XX/XXXX. On XX/XX/XXXX I called again and was told their was no payment due to me? After a few minutes of back and forth I was told the check would be mailed that day. I called again on XX/XX/XXXX and was told the check had n't been mailed yet and they would send an email to payment processing to check on the hold up. A few hour later I receive a call from XXXX in the rebatables department. Reassuring me a check would be mailed out that day. XX/XX/XXXX I call again and I am told there is a not that a payment should be sent out but no payment has been sent out as of yet. My issue is I missed a very important trip to me. XX/XX/XXXX XXXX vs. XXXX in XXXX my son plays for the XXXX and these funds were to be used to Fund this trip. The refusal by this company to refund my monies is shameful. Please look into their practices. Thanks

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 12-07-2015 about Debt collection (Payday loan) with CURO Intermediate Holdings (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I got XXXX loans that I recall from a place called rapid cash, but on my credit report it shows XXXX of them. When I got the loans I had money problems since I 'm the only XXXX working in my household. So I have to pay rent, electric bill, gas, car, house insurance, phone, car, medical bills. So i got the loan so I could help myself a bit. I was making enough at my last job so I was n't able to keep paying. But I only recall getting XXXX loans not XXXX so I do n't understand why it shows up XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Wells Fargo took {$10000.00} from my account with no due process or prior notification that this would occur. The debit on my accounts only had the name of a law firm I did not know and a phone number from a city I had not visited in over 10 years. After some investigation I found that Wells Fargo had taken my money due to a court order against another individual with the same name. I spoke with the lawyer listed on the debit, and he worked with the Wells Fargo lawyer to return my money. 
While I am glad to have my money back I am still troubled by the gross negligence displayed by the bank in taking the money out of my account without verifying any personal information beyond my name ( no SSN, no DoB, etc ). When I asked the bank for an explanation they offered none, then after originally agreeing to escalate the issue to their executive office they began an endless loop of transferring my call to other office that could not help. 
I was lucky to catch this transgression when I did, and even luckier that I was able to live for a short time without the funds they took, but that does not excuse the reckless behavior of Wells Fargo. I hereby ask the CFPB to investigate Wells Fargo in their lack of due diligence when paying debt collectors and prosecute the bank for any illegal activities that the Bureau uncovers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX was paid in full at least 5 years ago. It was my understanding that the account had been closed. Now I am being billed by a debt collector for overdue charges on what? I do n't even have the credit card nor have used it for the past 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX This company, based in XXXX XXXX, NY has been employing intimidation tactics to collect a credit card debt that has been written off by CITIGROUP/ bank. 

I called citi today, and was told they have no recourse because my debt was sold and written off. My credit score is low, and it is because of this debt write off. 

Today, they sent 2 men, without identification to my door in an effort to serve me a fake summons. Previously, they called my friends and relatives at all hours looking to collect my debt. 

The summons, document does not have original signatures or notarization. their is no formal response letter, or numbered of summons. 

I contacted my Attorney General Office, DA, FTC and FDIC and congresswoman. 
i will file a complain with Attorney General and CFPB. 
Thank you,

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 03/28/2016 about Debt collection (I do not know) with Rothman Evans, P.C. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX 2015 I discovered that there was A Judgement on my credit reports that was not mine. This judgement was entered in XXXX ( NY ) City Court and a transcription of this judgement was filed with the XXXX County ( NY ) clerks office. I went to XXXX ( NY ) City Court in XXXX 2015 and the judgement was vacated by the Honorable XXXX XXXX XXXX. The City of XXXX claims that notice of this order to vacate judgement was sent to the attorney that was acting as a collection agency, XXXX XXXX XXXX of XXXX NY. The XXXX City Court will not give me any of this documentation. It has now been 10 months since this judgement was vacated but it is still on file in the XXXX XXXX ( NY ) Clerks office. When my credit profile is pulled this judgement is still showing in my files adversely impacting my life. I checked with the XXXX City Court and they tell me that the judgement in fact was vacated and that the collection agency, XXXX XXXX XXXX needs to notify the XXXX XXXX Clerk of the true and correct status of this judgement so that it will be reported accurately to credit reporting agencies. I sent written communication to XXXX XXXX XXXX on XXXX XXXX, 2015 via USPS Registered mail. This letter was delivered on XXXX XXXX, 2015. In this letter I asked that XXXX XXXX XXXX office complete their duty to report the correct status of the judgement that was vacated to the XXXX XXXX Clerks office so that it XXXX be XXXX and expunged and all records could be made accurate. I did not receive any reply from XXXX XXXX XXXX office. Today, I went in person to the XXXX County Clerks Office where they told me the judgement was still on file and there was no information that it was vacated. I told them to remove this record and they would not, saying that they needed official notice that it was vacated. I then went directly to the XXXX City Court to get documentation for the XXXX County Clerk. I was again told ( for the third time ) that this documentation was sent to XXXX XXXX XXXX and that was the party that need to correct the records of the XXXX County Clerk. I informed them that XXXX XXXX XXXX refused to do this but I was not given any other avenue to correct this incorrect reporting to XXXX County on my own. I am aware that the continuance of XXXX XXXX XXXX to report information that they know is incorrect and or inaccurate is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Debt collection (I do not know) with National Credit Adjusters, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: for 4 years a collection agency has been calling me regarding a debt for a XXXX XXXX, who I assume had my phone number before I did. I have told them approx. 100 times over 4 yrs she does not have this phone number anymore. when I tell them this they say they will remove the number. then they call again the next day. the calls stopped for about a year now they are calling every day again, when I yell at them they get threatening and abusive. I called back the number and the name of the company is National Credit Adjusters, but you cant get a person unless you have an extension, which I never have. The number they call from is XXXX sometimes the last digit on their number is different and it is an auto dialer because until I say hello no one is one the line.

Company response to consumer: Closed with explanation