milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/13/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX decided to send information to the credit reporting bureaus and alledge medical debt ( XXXX ) in total without proper verification. This should not be on my credit report because I told them I am working with my medical insurance companies to see if the charges are correct and this debt has not been properly verified and investigated.

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 04/13/2018 about Mortgage (Conventional home mortgage) with Pacific Union Financial, LLC (IL).
Issue: Closing on a mortgage

Complaint: XXXX XXXX, Promise us when we refinance the company will make the appraisal fee of {$450.00} free of charge. Promo offer. But they still charge us {$450.00}. We try to contact them but not reply its 3 months now and they sell our loan to another company

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I believe my school gave me loans that where for greater amounts needed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent XXXX XXXX a letter regarding account XXXX asking to verify and validate account. I was notified that the account was verified but no proof of documents in original form with signatures. and no proof of a fair and thorough investigation per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Payday loan debt) with ACE CASH EXPRESS, INC. (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: XXXX XXXX XXXX 's from XXXX XXXX firm was asked TWICE not to contact me at work and continued to do so. He would call my place of employment repetitively would and would let the phone ring an excessive number of times. Because I work in a customer facing environment, this created a challenge for the daily operations of our branch as well as having the phone line free for our customers to reach us. XXXX XXXX called my employer AGAIN on Friday XXXX XXXX, XXXX and this time told one of my employees that he was " my buddy '' and released information to her about a signature that he needed to obtain. I would to formally request this company be looked into. They are calling me from XXXX. Also they have called me from local numbers such as XXXX. The calls to my employer are the most concerning considering I have asked this gentleman to cease contacting me at work on two occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with John C. Heath, Attorney at Law, PLLC (NC).
Issue: Unexpected or other fees

Complaint: The company 's name is XXXX XXXX they were calling me on the phone sending emails wanting me to sign up for their services to fix my credit report. So I called them back signed up paid XXXX for a credit report and then they told me it would be XXXX A month on the first of every month I told them I did not want that and I canceled it the very day that I signed up for it so I thought everything was fine. So a couple of days later I started getting emails from them saying that they had sent a letter to one of my creditors about removing it off my credit report and then I got another one saying that they had taken this certain creditor off my credit report so I got to thinking why am I getting all these things from them when I canceled it so I decided to check my account at the credit union and they had taken out XXXX on XXXX XXXX, XXXX they were not supposed to take that out because I had canceled it on the very day that I signed up for it. I called them on the phone spoke with a paralegal who told me she was going to cancel it and they would credit my money back to my account. By the end of the day send me an email confirming that it was canceled. By that afternoon I never got an email and it was never credited back to my account so I called them again for the third time and I was n't so nice and I asked why they had n't canceled it so the lady promised me that it was going to be canceled she said I 'm doing it right now we 're showing that the account is going to be closed and we will credit your money back to you even though it might take 3 to 5 Business days so I believed her well I never got an email saying that it was canceled and I called the credit union to see if they had sent a credit and if it was even there which the credit union told me they had nothing had not received anything from XXXX XXXX So the very next day I call again for the fourth time told them I have never received your email saying it was canceled but yet I 've been receiving emails from you trying to signed me up for your services again the credit union still has not got anything from these people still keep getting emails from them trying to get me to sign up for their services.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I filed a dispute with credit karma XX/XX/XXXX for XXXX XXXX. It is now XX/XX/XXXX. I recently filed a complaint regarding this issue and got an update that my results were in fact emailed to me by Transunion. I did not receive an email. XXXX XXXX still shows my dispute open and when I go to Transunion 's website, I do not see my dispute completed or not. This issue is not resolved. From what I can see, Transunion has taken well over 30 days to complete this therefore it should be removed from my report! I am copying and pasting the message from XXXX XXXX. 

Direct Dispute In partnership with XX/XX/XXXX Estimated Completion Date Status Details TransUnion received your request on XX/XX/XXXX and they are currently processing it. TransUnion normally responds to dispute requests within 30 days, and often within 7-10 days. When the investigation is completed, we will provide you with a response and/or a copy of your updated credit report to notify you of the results. 
If you have specific questions regarding your dispute request or need to submit additional information, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. 

I have combed through my email and there is not one regarding this dispute. I found many of their newsletters but that it all. I can not even start a new dispute on transunion 's website which to me means one is still open or their website is broken! I have included a screenshot of that.

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 05/20/2015 about Bank account or service ((CD) Certificate of deposit) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: Since the government has now changed the rules regarding transfers of IRA 's from one financial institution to another in deference and accommodation to the banks, it has become much more cumbersome and time consuming to accomplish this task. It has taken XXXX months to get {$87000.00} from Wells Fargo to XXXX XXXX. It was only my irate phone call to XXXX this morning that the money was miraculously " found ''. When we were allowed to pick up the check from one institution and deliver it to another, things always went smoothly. THE NEW SYSTEM IS NOT WORKING AND IS DESIGNED SO THE FINANCIAL INSTITUTIONS CAN LOSE YOUR MONEY FOR A MONTH AND A HALF AND THERE IS ABSOLUTELY NO ONE YOU CAN SPEAK TO THAT CAN GIVE YOU DEFINITIVE ANSWERS ON ANYTHING, UNLESS YOU WERE WILL TO SUBMIT TO THEIR EXCESSIVE FEES FOR ELECTRONIC TRANSFERS. PLEASE HELP CHANGE THIS SYSTEM BACK TO THE WAY IT WAS!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with First Data Corporation (TX).
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: Explaining ' a ( XX/XX/XXXX - XX/XX/XXXX ) Request ' for a Telecheck File Report, A Specialty Reporting Agency in the Collecting and Selling of Personal Information for the use in Credit Determination. 

Telecheck does not provide " full disclosure '' of the File Report ( # XXXX ) for the Dispute or Correct in an understanding of Pinpoint Service Errors of the Contributor ' : XXXXXXXX XXXX XXXX XXXX XXXX ', the Importances for Represented Elements received from XXXX XXXX XXXX, In an Evaluation of Review '  of an Effective Communication with XXXX and Myself since, XXXX of XXXX. 

Evaluations ' of the Continuing Escalating Concerns of XXXX XXXX ' _ Specialty Reporting Agency, in the Collecting and Selling of Information for the use in Credit Determination, An Evaluation of Allegiances and Alliances of Telecheck/FirstData that is ' of my XXXX XXXX XXXX XXXX ' Account, the Pinpoint Service Errors ' of the XXXX XXXX XXXXXXXX XXXX XXXX : Personal Banker ', the Escalated Concern of numerous Application Reporting ( s ) for a Simple ' Secured XXXX ' Approval.

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 04-02-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2011 the XXXX XXXX XXXX XXXX of XXXX, WI on behalf of Midland Funding LLC, with debt that was bought from XXXX XXXX. Had a judgement place on me for the amount of {$4800.00}. 
My credit amount was {$500.00} and by the time of the judgement it was {$4800.00}. I just received a letter state that I now owe {$7600.00}. I my understanding that XXXX and Midland have had complaint and action take against them in last year about how they handle debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CA).
Issue: Taking out the loan or lease

Complaint: I have had a loan with Ally Bank for my automobile since XX/XX/XXXX. I have never had a 30 day late, and in XX/XX/XXXX the bank applied an incorrect posting on my account which I was not aware of, at this time we had a dispute with XXXX XXXX due to a program that was purchased when we bought our vehicle. The plan had included having Tires paid for up to a certain amount. When we went to utilize the plan we were told that they discontinued the plan but never notified the customers. We had been advised they could pay the additional amount of around XXXX some odd dollars to us directly for the inconvenience. We were not satisfied and we advise if we would of known this was going to occur we would not of wanted the plan, we did not agree that the funding of the loan should of been charged that additonal amount and be charged interest on that balance. When I saw the amount posted to the account I assumed that XXXX sent the amount straight to ALLY instead of us. I pay additonal amounts on my account every month. When I went to pay on the website the payments showed current, and I continued to monitor the website, I paid every month. The payment was removed from my account a while later causing the account to show delinquent. I was not aware, the website that I have made every payment to was not refreshed. This caused the payment to show being paid after 30 days, I was not notified on time and once I saw it was behind I paid the account current. This is causing them to report me for 3 months being over 30 days late which was caused by their website not being updated and giving me a clear paid to date. The account is never posted with the full amount and the extra funds that I send in does n't give me a clear picture of how they are applying my funds. I have never had an issue with this institution but thier not taking responsiblity for their misposting is causing me a lot of grief with my credit reporting. I maintain good standing on all my accounts. I believe due to this error my credit has been ruined and I am not in agreement with companies being able to such things to customers. I have tried to contact them and they continue to not take responsiblity. They respond with generic responses and will not look at the situation seriously. The customer always loses in these situations and we are not treated as individuals, this company already has my money so what do they have to lose. I want everyone to know what a horrible company this is and to never get a loan with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage with XXXX XXXX XXXX which was a VA Loan. They transferred the loan to PennyMac Loan Services , LLC in XXXX. I never received a letter of this, in addition -- when payment was returned, I found out at the branch the account was no longer with XXXX XXXX. In addition, I immediately contacted PennyMac to provide payment for XXXX and also the XXXX payment which was due soon. There was a difference in monthly payment of over {$100.00} now that the mortgage went to PennyMac. None of this information was provided, or conveyed by either XXXX or PennyMac in any capacity. Agent discovered an overage of {$170.00} ( credit ), this apparently was late fees which XXXX never applied to my last payment for what ever reason. PennyMac was sent a large payment of {$2700.00} to cover XXXX and XXXX. As well -- agent stated the late fees they have on their system would be removed. I called a week later and was told this had not occurred and was told the agent would correct this. In the interim, I sold my home and was directed not to pay XXXX payment for the note would be paid off and this would effect payoff if paid. After payoff occurred, I contacted PennyMac and they stated that the late fees were {$230.00} and non reimbursable. There was never any late payments while in their hands. If anything -- I was told this would be corrected. Lastly -- They had inspections of the property for XXXX, XXXX, XXXX which charged a fee. According to Veterans Benefit Affairs, they state that no inspection fees are to be paid by the veteran in any capacity. When asking for proof of inspection, PennyMac was unable to provide this proof. Never the less, when questioning Escrow balance, it appears funds of overpayment are lower than expected. It appears that PennyMac charged a pre-payment penalty by double charging interest and less to principle which is a direct violation of our agreement and outside the business and rules for a VA Mortgage. Fees are not authorized according to the VBA/VA. PennyMac basically ignored any concerns I brought to their attention and these fees need to be recovered and also, I feel I have received undue hardship as a result, loss of time complaining on the phone several times and not impressed that a company can do this to a veteran who is a good customer and has also been in direct contact with the several times. These inspections should never have occurred, it 's a pons scheme, unwarranted, and the double interest payment is a total misrepresentation and I can not tolerate being mis-treated this way.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with GreenSky Trade Credit, LLC (WA).
Issue: Fraud or scam

Complaint: An account was opened with Greensky Trade Credit by XXXX XXXX of XXXX XXXX XXXX. The account was in my name and was to be used for installation of a new roof on our home. I HAD NOT signed a contract with XXXX XXXX XXXX and was investigating all options of financing the roof. The account was approved for the amount of the project and only allowed to be used for XXXX XXXX XXXX. I did not sign an application, nor did I sign loan documents. It has since come to my knowledge that there are signed documents. I have requested those documents, as I did not sign them. They HAVE NOT been furnished by Greensky. On the day it was approved, XXXX XXXX asked me for my account number. I did not authorize him to access the account, and did not know that was his intention. I had not printed out loan documents and had not had the opportunity to read the very ambiguous language in the first line of their contract. When I provided XXXX XXXX the account number it was the wrong account number. I tried to use the same account number to log into the account, and was denied access. However, XXXX XXXX, using the same incorrect account number, was able to get into the account and took {$14000.00}. I contacted XXXX XXXX immediately upon this coming to my attention. He said he 'd " only asked for a dollar and was testing the system. '' Greensky denied that that was what XXXX XXXX had done. It took two weeks and a threat to report XXXX XXXX to the authorities before {$10000.00} was returned to the account. Greensky and XXXX XXXX decided to hold back the other {$4900.00} for materials, without asking if that is the monies I would be using for this project. XXXX XXXX knew why he was doing this, and as we subsequently came to find out, under one percent of the roof was installed correctly. We have leaks in the master bedroom, exhaust factors were not taken into consideration, our gutters were damaged, and the soffits were rebuilt with the wrong material and not painted. The roof needs a complete tear down and a new roof put on. XXXX XXXX left the job on XX/XX/XXXX, 2017, and has not returned to the project, nor tried to make remedies to these damages. I have been informed by XXXX, the shingle manufacturer that the roof was not installed per their application instructions and can not be warrantied.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX/XXXX/XXXX, XXXX were awarded a Wage Garnishment against me .The total amount of the garnishment ordered by the court was XXXX and was started on XXXX/XXXX/XXXX. I have each pay stub that showed a deduction was made and for how much. On XXXX/XXXX/XXXX, I faxed my payroll company the final pay stub of the year for XXXX, XXXX and my pay stub dated XXXX/XXXX/XXXX which showed that as of XXXX/XXXX/XXXX, there has been a total of XXXX that had already been deducted and paid to XXXX and XXXX which left a balance of XXXX to satisfy the judgement. I faxed all the information to my payroll company on XXXX/XXXX/XXXX. Payroll contacted XXXX and XXXX and emailed me stating that according to XXXX and XXXX, I still owed them XXXX and payroll could not stop the garnishments until they received a Release Letter from XXXX and XXXX. On XXXX/XXXX/XXXX, another XXXX was deducted which now goes OVER the court Wage Deduction of XXXX. On XXXX/XXXX/XXXX, I faxed all relevant documents to XXXX and XXXX showing exactly how much they had already received and a copy of the Wage Deduction order and the amount and requested that they email myself and mail my payroll company a Release Letter as I have met the amount owed.I even included an exact breakdown of the date of check and amount deducted. I also requested proof as to the additional dollar amount they claim I still owed.To date, there has been no response from XXXX and XXXX, my pay checks are still being garnished even though I have now exceeded the amount mandated by the court. I have read many reviews on XXXX and XXXX and it appears that they make a habit of collecting well over the amount they are allowed and that is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Bank account or service (Checking account) with U.S. BANCORP (KY).
Issue: Account opening, closing, or management

Complaint: US Bank ( US Bancorp ) sent checks I ordered to my ex-husband 's house despite the fact that they know my current address and all my mail and my mortgage is for my current address. I have not been able to find out where those checks are. The people at the old address said they sent them back. US Bank fraud department said they were sent to the branch, the branch says they were sent back to the printer and destroyed. The fraud department said I should close down the account and open a new one. However I have all my bills, credit card bills and mortgage on autodebit with that account with the missing checks. If I close it I could get late fees and other penalties the could adversely impact my credit. I also do not have time to reestablish autodebit with XXXX utilities, insurance policies, credit cards, mortgage companies etc.

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 03-07-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: I am in a bankruptcy and I sent in authorization three times and each time Wells Fargo says that they did not receive it and then refused to check the date that it was sent in when I looked up the confirmation. The dates that authorization to speak with my bank were sent in on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of 2018 and they still purport to having not received it so that I can not check on the status of the modification that I sent in until the documents have expired. My modification full and complete application was sent in on XX/XX/2018 to the Wells Fargo Fax and was confirmed to have been received on XX/XX/XXXX when I called in to check the status of my application.

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