milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims  credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, CA 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 04-01-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have tried to remove this state tax lien which has been paid and released and the credit bureau would not remove it. So, I request the assistance of the Consumer Financial Protection Bureau to remove such derogatory mark that is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (LA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX, I charged a refrigerator, 5 year service plan and ice connector to my Lowe 's charge card. On XXXX, the refrigerator was picked up by Lowes delivery representatives. The Lowes representative that pickup the refrigerator told me Lowes don't give paperwork when merchandise is picked up. He had me sign on XX/XX/XXXX to confirm receipt of a new refrigerator and I wrote " swap refrigerator '', as he told me I could, then I took a picture of the Loading Ticket. I spoke to representatives of Lowes in XXXX, LA and representatives of Lowes credit card. I was advised around XX/XX/XXXX by representatives of Lowes credit card the issue would be investigated and resolved in 60 days. On XX/XX/XXXX, I called Lowes because that purchase is still on my credit card. I was advised by the XXXX XXXX, representative of Lowe 's credit card, it will take 158 days to resolve the dispute and I need to contact the store because the credit card only handles credit limits, interest, and payments. I asked for a government agency to report the problem to on XX/XX/XXXX. XXXX XXXX advised me to contact the Lowes store and call the same number I called her again. 
Also when an item is purchased with a year of no interest, even though additional payments are made for the merchandise to avoid interest, the money paid is not put toward that item or applied to that item and the interest is applied.

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 (WI).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX 2015, we verbally appealed the first and second mortgage modification offers provided by Wells Fargo to our underwriter XXXX XXXX. We appealed to include a principal reduction. One of the benefits of receiving this would assist our underwater mortgage. A condition we had asked Wells Fargo to help us with several years earlier when H.A.M.P was introduced to assist mortgages like ours, when a hospitalization caused a financial hardship for our family. However, our home was refinanced with our second mortgage interest rate raised. We were told by a representative of Wells Fargo that this action was taken because according to Wells Fargo, we could afford a home that was underwater. For this reason our home was financed without that assistance. 

We are asking for assistance to expedite our appeal, as we have been working to create a healthy mortgage that we can resume paying after our trial payments our finalized. Instead of receiving an answer to the appeal we have been waiting to hear back about, we were sent a letter dated XXXX XXXX, 2015.This letter was received by us on XX/XX/2015. It states Wells Fargo will review our appeal. We are concerned that there is no indication Wells Fargo received our appeal within the time limit given to us by XXXX XXXX. Wells Fargo received a copy our letter XX/XX/2015 through the XXXX XXXX XXXX. XXXX stated to us that she would include a note to communicate her approval of our appeal. This was approximately two and a half months ago. 
We wanted our appeal to be given time to be reviewed thoughtfully, and so we assisted Wells Fargo when asked to put this verbal appeal in writing. We did so with expediency to help Wells Fargo and we continue to do so in whatever way we could to create a healthy mortgage for our situation. We have until XXXX to amend this issue, as we are now official in court proceedings.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Credit card debt) with Alliance Data Card Services (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am receiving repeated calls from XXXX XXXX  regarding 2 accounts that I missed some payments on. XXXX is calling my phone repeatedly and has now started calling and leaving threatening messages on family members phones. Saying I need an attorney to handle my situation and talking about legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MARINER FINANCE, LLC (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX is reporting a hard inquiry on my credit reports I never applied for a loan with them

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 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 have been consistently making monthly payments to Navient and they have failed to allocate my monthly payment towards my loans. This has now caused my credit score to drop over XXXX points. There 's no way my credit score should have dropped by XXXX points when I have records to show that I have been making consistent monthly payments for either the minimum amount due or an amount higher than that. I have a total of about XXXX loans with Navient and I expected the monthly payment to go towards my loans. 

Just recently, I made a big payment to Navient and now they 're trying to pull another payment from my account without my permission. This has caused my checking account to be hit with XXXX returned item check fees. At no time did I authorize Navient to take an automatic payment. I self-pay my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (WV).
Issue: Loan servicing, payments, escrow account

Complaint: Citi-Mortgage promised me/us that they would grant the mortgage modification that I applied for, after they received {$4700.00} then never granted it. Little did I know at the time, the amount they said we were behind was never owed because they added a second Home Owners insurance policy to our fixed rate mortgage without our knowledge/permission when we already had a home owners policy. Seven months later, and after numerous phone calls I finally was able to break through and discover what they did. I was TOLD that I would be granted a reference number and a refund and the mortgage to be recalculated. The refund was never issued, the recalculation was never done, and even after a courtesy call from our Mortgage Modification Counselor apologizing for the mess and assuring us everything was going to be set right, three weeks later I received pre-foreclosure papers. There was no reasoning with Citi. Government, Lawyers or Officials knew what Citi was doing at this time so there was no direction to follow, nobody to contact who could help or understand. I finally filed a complaint with the XXXX Virginia Attorney Generals office and they instructed me to sell the house at a loss to avoid a " Short Sale '' and try to salvage any equity so we could survive because Citi was unstoppable and they never responded. We lost everything. What was ironic was that in the prior 9 months before the house was sold that I received and still have XXXX escrow statements showing a surplus in XXXX 6 month periods. The first was a surplus of {$600.00} and the second was a surplus of {$750.00}, which they never returned. It is impossible to have a surplus for over a year after Home Owners and Taxes were paid and claim a foreclosure. Last year I received class action papers stating that Citi had intentionally extorted over {$820.00} XXXX dollars, from over XXXX people, and passed it out to management for bonuses from this forced place insurance scam. Not only did they deceive us with the mortgage modification scam then they used our money to illegally foreclose. We did not owe them they money they claimed but there was nobody to stop them along with their Lawyers In XXXX Virginia XXXX PEASE NOTE!!!!! BELOW I NEED TO SELECT MAKING PAYMENTS AND PROBLEMS WHEN YOU ARE UNABLE TO PAY, because we actually went through their process and scammed then foreclosed when they refuse and refused to recaclulate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2016 about Consumer Loan (Vehicle lease) with FORD MOTOR CREDIT CO. (CA).
Issue: Managing the loan or lease

Complaint: I paid off my lease for Ford Credit and leased another car from Ford Credit, At the time I lease the new car, I paid the I paid the last installment of the current car. The dealership assured me that it would satisfy the remainder of the lease. 
Within a couple of days from leasing the new car, Ford then drafted the payment from my old car even though the lease was satisfied. I have written XXXX emails and called 3 times to get the refund and I am always promised that it would be refunded immediately. The first e-mail said within 10 days. 
After 2 weeks I called not having received it. I was assured it was on its way, A week later ... the same thing. The next time I called they said it would be 24 hours and it would be ACH 'd back to my account. I still do not have the refund and its been a month. Ford Credit drafted a payment on a paid off account and now I ca n't get a refund,,,,,,, please help. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a call in regards to making a payment. Made the rep know that I will pay on a certain date. He then stated thank you then hung up the line. Called back made complaint with supervisor. Heard nothing from supervisor and got a call from same company the next day after I made them aware the date I can pay. They can not post date a payment in their system. I then payed the debt and was told that if I sent an email to manager I could get it removed from my credit report because it was reported XXXX days before I made the payment. XXXX emails were sent to response. Made a XXXX complaint it was updated but not removed like I was told it would be.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Debt collection (Credit card) with Financial Credit Service, Inc. (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: ASSET RECOVERY ASSOC. Inc. called me several times, and has sent me letters saying that I owe them {$4400.00} on a a credit card I closed over 10 years ago. I checked my credit report, and they obtained my credit history in XXXX. They said that they would take legal action if I did not pay. According to my credit reports, I owe no debt from this company. The FHA did a thorough vetting of me in XX/XX/XXXX, and I paid all outstanding debt. These are scam artists.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit card () with SYNCHRONY FINANCIAL (OR).
Issue: Customer service / Customer relations

Complaint: I am having a problem settling my Banana Republic XXXX Card due to some sketchy circumstances outlined below. The whole issue is somewhat complicated ; I will try to explain it at succinctly and clearly as possible. 

I am hard of hearing and do not want to handle the settling of the account in question over the phone. I wish to settle the account because I can no longer manage the payments : I have not put any additional charges on the card since XXXX 2015, and aggressively tried to pay off as much as I could, but I have missed payments and have been unable to meet my minimum payment for the past few months. Now I am at the point where I am unable to make any payments without foregoing other, more important needs, and interest keeps rising while my credit keeps falling. I have been attempting to settle the matter in writing for over six months now and have become very frustrated in my attempts. 

On my first couple attempts at settlement I received one letter stating they agree to only communicate in writing and another stating I MUST call and speak to a representative if I want to see if I qualify for any of their hardship programs. Another time they told me to call the XXXX ( which I do not have, nor do I wish to communicate that way : written communication is my preferred method in these matters ). At one point I was directed to a different address than the one I originally found : an Ohio address versus a Florida address, but when I wrote them about the issue they responded saying they needed a power of attorney in order to talk to someone other than me ( which I never asked for ). And the response came from the original Florida address, interestingly. In response to my most recent attempt sent to the Ohio address, which highlighted all of the ongoing issues, I once again received the letter agreeing to only communicate with me in writing and the other stating I MUST call to discuss their hardship programs. This response also came from the Florida address and not the Ohio one I sent the information to. 

Notwithstanding the fact that requiring me to speak with a representative to determine eligibility seems to be a blatant violation of the ADA, I believe that regardless of my XXXX I should be able to handle this matter in writing. Especially since upon researching this matter many suggested I get the deal in writing because of issues they have had with this company after making deals over the phone. I contacted the Attorney General 's office in my state, and they suggested make this complaint to help resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Credit decision / Underwriting

Complaint: I am the prospective buyer of a property located at XXXX XXXX XXXX, XXXX, NJ. I submitted an offer and entered into a contract with the Seller at the end of XXXX 2015. Following a request for financial documents by the bank, which I provided, the property was then listed on XXXX for auction ( this is an OCWEN short sale ). The property was listed 3 times, we were told for market validation, without success in that there were no bidders. We are now told that the property has been returned to OCWEN 's short sale department but that a new representative was assigned due to a change in staffing. That new representative is again requesting financial documents and we are told that this process may take another 30 days. I understand in reading up on OCWEN 's short sale process that the property had to be listed through XXXX. The fact that it had to be listed 3 times without success is questionable, but now in the past. The fact that OCWEN wants to potentially see the same documents all over again, is frustrating, but something we expected. The length of time that this is taking when we are the only offer out there is what is troubling, in addition to the fact that CFPB regulations which were recently amended in XXXX 2015 expressly state that we should have had an answer to our contract within XXXX ( 60 XXXX days, which OCWEN has unquestionably run afoul of. I know that OCWEN has been investigated recently regarding their business practices as well as their relationship with XXXX and I want them to be held accountable under their new corporate structure for what I perceive to be a continuation of those practices. I am asking that my contract be considered and a decision rendered immediately and that, in further compliance, with the regulations, that we be kept in contact regarding the progress of our contract.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have on multiple occasions between XXXX of XXXX and as recently as XXXX of XXXX attempted to enroll my loans into an income-based repayment plan. My paperwork has been " lost '' every single time. During my last attempt, I had to point out the math errors that the Navient employee was making when reading my pay stub. I finally just gave up on trying to solve the problem. That 's when I began getting emails that allowed me to take short term forbearances by just replying " Yes '' to a Navient employee 's message. Those began on XXXX/XXXX/XXXX. They ca n't be bothered to do the paperwork to get me into a payment plan that would allow me to make payments and eventually pay down and potentially have my loans forgiven ( I work for a nonprofit ), but increasing my loan amount with accruing interest is as easy as typing " yes '' in an email reply. This is not just incompetence. This is intentional.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Debt collection (Medical) with Credence Resource Management, LLC (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: the guy said my credit card number so many times I had to ask him to stop saying it he had it the first time. he gave up the expiration date and the XXXX digit code om the back. if i get any unwanted charges on it it came from them

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 05/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Loan information for :  XXXX   XXXX   School  :  SCHOOL CODE FOR CONSOLIDATION LO ANS Enrollment Status : WITHDRAWN as of   XX/XX/XXXX   Loan Type :  FFEL CONSOLIDATED Loan Period Be gin Date : Loan Period End Date : Total Borrowed : {$42000.00} Outstanding Principal as of   XX/XX/XXXX   : {$200000.00} Outstanding Interest as of   XX/XX/XXXX   : {$690.00} Interest Rat e : 9.00 % Loan   Disbursement Date Disbursement Amount   XX/XX/XXXX   {$42000.00} The above is my issue. I have never made enough money to afford to live and repay my student loans. The loan has ruined my life. I can not get a loan and m y credit score i s low because of the large outstanding balance which has been increase t imes 6. At the  time that I borrowed, the interest rate was n ot 9 %. I will  never be able to repay this loan in my lifetime. Can you please help me to negotiate with the loan complany?

Company response to consumer: Closed with explanation