milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/29/2017 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (SC).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have been a  XXXX  's  Cardholder for 5 yea rs and in that time have always paid my bills on time. I was hospitalized twice and have been out of work for approximately 4 months now due to illness.  XXXX  's used to be managed by  XXXX    XXXX   which  XXXX    XXXX   did offer card security in case of being unemployed, illness, death, etc. I tried calli ng Wells Fargo to exp lain to them my situation and informed them that I was willing to work out a hardship payment plan if possible. The problem that I have with this whole scenario is when I opened this account, I had  XXXX  insurance on the card  XXXX   XXXX  and  for Wells Fargo t o take over accounts and not offer the identical coverage and not inform the customer that they no longer have the coverage is unfair. This is information that a customer needs to know. Until I became ill, I always made sure that my bills were paid on time and m y credit score was  good. I thought that I had coverage and when I was told that I did n't I asked did they have a hardship program of some sort and their response was no and we can do nothing to help you. This is crazy!!!! I tried to explain that even though I 've been a good customer does that no account for anything? The response no sorry ma'am. This is unfair.

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 10/13/2016 about Debt collection (I do not know) with Halsted Financial Services, LLC. (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company, Halsted Financial, calls 4-5 times per day. When I answer the phone the person on the other end says nothing and does not hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: We were customers of  Greentree Lending.  In   XXXX  , our account was blocked when a payment was late. We called to try to pay it, and they forced us to fill out paperwork for a special mortgage rehabilitation program in which our mortgage could be brought up to date ( remember, this is ONE late payment ). Meanwhile, we continued to pay our mortgage each month, as they repeatedly " lost '' paperwork or had sent it to the " wrong department. '' The whole time, we were concerned about foreclosure, as even though we continued to pay, we now had  one  month of payment missing. They repeatedly assured us that they would not foreclose and that our paperwork was required, and it was just a formality. Meanwhile, unbeknownst to us, they proceeded with the foreclosure without notifying us. One day, we found a crumpled up piece of paper on our front porch saying that our house had been sold at auction the day before. We lost our home, and had done nothing wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: in 2007 i received my XXXX credit report and noticed there were numerous merchants that were not mine. i called transunion to report this and thet said they would take care of it. i later found out i made the mistake of not contacting the merchants. i recently tried to get copies of my past credit reports ( 2007 etc ... ) and they said they couldnt produce them. i beleive im a victim of identity theft that is sometimes followed by stalking that can go on for 5 years or more can cause XXXX etc ... i need these past credit reports to prove im a victim of idetity theft to stop the stalking.

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 09/29/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I rented a musical instrument for my sons school. I gave my credit card information and drivers license. the merchant then asked for my ss number. at this time I asked clearly whether she was going to generate an inquiry on my credit report. she sad no. I told her I did not want that and asked again at least XXXX more times. each time the merchant replied no. she said it was for identification purposes and assured me it was not like applying for credit. the next day I checked my credit and I saw the inquiry. I immediately called the merchant and she apologized and told me she was not aware that was going to happen. she remembered that I had asked several times and told me she did not agree with what happened. she gave me a main number to call. I then called the main number and asked to speak with a credit supervisor. I explained to her my situation. she called the merchant and only asked whether I signed any documentation to which the merchant replied yes. I told her that none of the documents contained my ss number because I was concerned about this. she refused to remove the inquiry. I then called Equifax. I spoke with XXXX # XXXX. he incorrectly told me that only the creditor can remove the inquiry even if it was placed incorrectly. I would not have an issue with the inquiry on my credit report if I was informed correctly what was going to happen. I was misinformed and I clearly asked the merchant and depended on the information that they gave me. I was given INCORRECT information and they should take responsibility for this and have this inquiry removed. as I mentioned because i was concerned, I did NOT place my ss number on ANY FORM. please respond as to what the next step will be. thank you. 
the date of the transaction was XXXX/XXXX/15. the merchant was XXXX at XXXX XXXX XXXX. this was done through XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: A collection account ( XXXX ) was removed from my credit report after disputing it with Equifax. The account was deleted between XX/XX/XXXX and XX/XX/XXXX and then readded back to my report a week or 2 later. I called Equifax and they are refusing to remove the account. I re disputed the acct again by mail on XX/XX/XXXX along with another account ( XXXX ) and they again notified XXXX the accounts were removed off of my report but when I checked it is still showing. I was not given a 5 day notice telling me that a reinsertion was taking place which is required by law

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Medical debt) with Credit Associates, Inc. (MO) (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I sent 31 requests for validation of collection accounts to Credit Associates Inc. by USPS Certified Mail. I have the mail receipts and the USPS tracking verification that all 31 letters were received by Credit Associates Inc at their mailing address on XX/XX/XXXX. As of XX/XX/XXXX, Credit Associates Inc has not responded to any of the my written requests for account validation and for proof that they have authority or right to collect the debt for the original creditors, and also that they are legally authorized and licensed to collect debts in the state of Washington. Additionally, of the 31 accounts I requested validation for, they did not update 10 of the accounts to disputed status with the credit bureaus within 30 days as required by law.
By not responding to my letters within 30 days of receipt they are guilty of 10 separate violations of FDCPA Section 807 ( 8 ) ( they did not update 10 of the accounts to dispute status within 30 days of receiving the validation letters ), 26 separate violations of FDCPA Section 805 ( c ) ( 5 of the accounts were previously paid by me to try to avoid negative credit ) and 26 separate violations of 809 ( b ) for continuing to try to collect a debt that has not been validated after receiving a validation request.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Deposits and withdrawals

Complaint: I deposited a {$1900.00} check and was told it would clear by Tuesday. I was unsure whether or not the check would clear so I went to the Wells Fargo branch and specifically asked if that check had cleared the account and was cashed into mine. Wells Fargo confirmed that the money was not just available, but the check had been processed and went through. Confirming that it was not a bad check, or so I thought. Based off of this information I took out {$1200.00}. The next day I receive a notice that the check did not go through! The {$1200.00} was non-refundable so I am now out {$1200.00}. I called Wells Fargo and asked that they make amends for their error and credit my account but they refused. So now I am turning to the CFPB to see if I can get my {$1200.00} back because I would not have taken the money out unless Wells Fargo told me definitively that the {$1900.00} check cleared the senders account and was now in my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Other debt) with Collection Specialists (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: on XX/XX/2017 I received a call from a debt collection agency stating I owed {$1200.00} for an old apartment. They refused to give valid information about the debt, or the company I am alleged to owe this money too. I was on a month to month contract with this old aprtment complex & can not understand how a XXXX/mo bill turns into XXXX. They did not validate whom they were speaking with and I could have been a 3rd party. I am concerned that they may have given my personal information out to other parties in violation of my rights by disclosing debt to unauthorized parties. The name of this company is Collections Specialist Inc. owned by XXXX XXXX @ XXXX XXXX XXXX XXXX IN XXXX. Their phoine number is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 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: Equifax and XXXX  a is reporting XXXX XXXX and XXXX XXXX as open and in collection on my credit report. This information is not correct because they was included in my bankruptcy. I have called several times and I do t get any results. The people that answere the phones can’t understand English. They say they have disputed it but when I call back within 39 days they have no record of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Seneca Mortgage is now refusing to pay the invoice for my condo/homeowner 's insurance. XXXX mailed the annual statement in early XXXX, as they always do. They were upset last year when Seneca Mortgage paid them almost a week late and one week After the policy expired. Per XXXX, Seneca Mortgage has always had problems paying the debts of its customers on time. This is unacceptable. 

Seneca Mortgage is now putting my safety, the safety of my home, and my financial future in jeopardy. I believe that they are intentionally not paying the invoice as retaliation for filing a previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Billing disputes

Complaint: Simply stated, " if there is no late payment, then there can be no late fee! '' Here are the facts : 1. the credit card company is charging me several late fees from XXXX XXXX tho XXXX XXXX 2. there were no late payments 3.I mistakenly made XXXX monthly payments in one month, the company did not initially credit XXXX of the payments to the following billing cycle as I had intended it to do. 
4. viewing on line my payment statements, transaction activity, and activity for this company all indicate equal payments of {$25.00} for the period under dispute 5. my own bank records verify, except for the double payment, that each month a {$25.00} payment was made from XXXX through XXXX XXXX 6. the company has made some adjustments, but continues to bill for late fees and now has the minimum payment for XXXX XXXX at {$100.00}, rather than the usual {$25.00} per month 7. I am a senior on a fix Social Security monthly income and can not afford such an increase in a monthly payment. It is a struggle to make ends meet as it is 8. I have talked to numerous representatives and supervisors who all miss the critical point that even according to their records, there is no late payment, thus no late fee charges 9. I have finally sent them a letter stating that if this issue isnt resolved to my satisfaction by XXXX XXXX, XXXX by XXXX I shall " walk away '' from the balance owing and will not respond to any of their attempts to collect any sums of money. I own nothing from which they can collect! 

I welcome your further inquiry regarding this issue. I sincerely hope you are able to show this company the error of their " best business practice ''. Simply because I was using good money practices by submitting XXXX payments at once, I should not be penalized with " past due fees '' when the company 's own records clearly display no late payments!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2017 about Debt collection (Credit card debt) with Williams, Rush & Associates, LLC (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I was contacted by my mother in law about a debt that belongs to my spouse. I attempted to contact the company. They refused to speak to me. They states federal did n't allow them too. My spouse took a break from work because they are only available during his work hours. They threatened a judgement when a suit has not even been filed. They have called his family members repeatedly and have never called him.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've recently contacted both credit Bureau and credit company and none were no help to me. I recently contacted Transunion several times through letters, online disputes, and phone and advised them of the fraudulent inquiries that were on my profile that I did not authorize and recall doing. I know their was a fraud alert on my account that indicates anyone who runs my report needs to contact me via phone and that was not done which violates my rights as a consumer. I am really upset and tired of trying to get a hold of some one who will actually help me with these fraudulent inquiries. I have not yet heard response from neither letters and online disputes. Below are names and dates of reporting companies that pulled my report with out my authorization and that I consider fraudulent. XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 explanation
Consumer complaint received 08-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This letter is to inform you that the account in question was settled on XXXX XXXX 2016 with AFNI/XXXX. I have enclosed copies of the settlement letter and proof of payment. You now have proof that this debt is no longer collectable, therefore I demand that you remove this account, and all references to my personal information, from your records.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: To whom it may concern : My credit score has been dropping over the few months ; when researching the cause, it seems that there is an " outstanding balance '' on on my XXXX XXXX credit cards. However, I had already paid this credit card off in full and therefore, did not believe that I had any balance left to pay.
When my credit score dropped by another XXXX points this past round and the outstanding balance was cited again, I saw that there was an outstanding charge of {$1.00}.
When reviewing my statements, it looks like even after I 've paid my last amount in full, there was a retroactive interest charge / fee that was applied without my knowledge, resulting in the {$1.00} balance that was applied in XXXX  and carried over into XXXX. When I called XXXX XXXX Credit Card services, they removed the {$1.00} balance as a " courtesy '' ; however, they cited this charge as an interest charge.
Despite the generous removal of this {$1.00} balance, my credit score has taken quite a hit. Therefore, I was wondering if there is any way that I can rectify this situation and / or if there are other factors that are contributing to my low score. Please let me know if there is anything that I can do / if you need additional information from me.
Warmest regards, 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 explanation
Consumer complaint received 03-02-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient is a predatory lender. 

My student loan I took out on XXXX/XXXX/XXXX Loan number ending in XXXX also attached at 3.75 % interest that was until XXXX XXXX XXXX set at 3.75 % has now been raised to 4 % interest rate! This is completely absurd to raise my interest rate. Also I am on an auto pay program and still they have raised my loan rate. 

Secondly I was charged a ridiculous repayment fee for my loans. A fee to start paying back my loans on top of the consolidation of all the interest. Navient over the years has harnessed me with bill collector phone calls and pushed me around to other customer service representatives time and time again and has never resolved my issues with the repayment fees. This lender is charging absurd amount of extra money on top of already getting XXXX of dollars from me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On  XXXX / XXXX / 2017  I noticed a hard hit on my credit report fr om Capital One B ank. Apparently someone has used my information to apply for a card. I have not done so.. Nor have I approved anyone else to.. I 've been working very hard to pay off my debts and improve my  credit score. The  hard hit only took off  XXXX  point but I ca n't afford to lose  XXXX  point ... The credit card help like informed me they could not provide me information about where the card request originated from. They told me all I could do was to mail them a copy of my credit report and a letter outlining the unauthorized card request . Hope for the best I guess. There is no department I could actually talk to about the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am in the middle of financing and their frequent updates are detrimental to this process. With them not having my corrrct info I wasnt able to be notified that I was out of forbearance. I respectively ask that the lates be removed and set to current. As soon as I contacted XXXX my loans were put back in forbearance. Also I want all loans older than 7 years to be removed from my credit report, as that is more than the COLfor my state. I need this done ASAP as XXXX is doing illegal collecting and reporting practices.If not removed I will be filing with FTC as well as State Attorney Office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I cant remember the dates exactly but i disputed, sent letters 3 different times this year about removing unauthorized inquiries to Equifax, XXXX and XXXX. The inquires were Auto Financing companies.and other companies XXXX XXXX auto financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation