milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2017 about Checking or savings account (Checking account) with BB&T CORPORATION (PA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: XX/XX/2017 at estimated time XXXX XXXX to XXXX XXXX I tried depositing {$500.00} in cash all {$20.00} into atm. I put my atm card and went through all processes to where atm took my {$500.00} in cash in machine. After it took my cash ; the ATM went into out of service mode and released my atm card and kept my money. It did not give me any receipt or credit my account. No fail safe on ATM. I went into bbt bank in a panic and a XXXX XXXX addressed me and made me wait about 10 minutes. Finally he took me in his office and not really believing me. Took my atm card and driver 's license looked up my account and started questioning me about previous complaint and wanted to know details and this had nothing to do with ATM or him. Finally he made a call and told me there nothing he can do go get the number off the ATM machine and call it. So I had to drive around and get the number off ATM machine and it was bbt number. I called number and they asked me why the branch did n't file a report for the ATM malfunction and missing cash {$500.00} because bbt services the ATM. I filed reports and then XXXX started calling me again stating he was sorry. 
I did n't get a case number and I feel very upset the ATM stoled my {$500.00}. There was no fail safe on ATM it didnt give any receipt. I asked bbt if I should file a police report and I did ask XXXX XXXX for the security video showing me making my deposit. The money was for my XXXX XXXX for my puppy to be flown here. My husband gives me cash every week and I had saved it up. I was in shock it stoled my money and even more in stock XXXX XXXX did n't believe and questioned me on a previous complaint like I was lying about the ATM stealing my money.

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 05/17/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have a judgment on my credit report that was not file properly after I paid off the judgment. The proper actions were not taken after I paid off the judgment. Even though my land lord gave a written statement that the judgment was paid. Please look into Equifax procedure of removing satisfied judgments

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (DE).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get Wells Fargo to talk to about my mortgage to save my house from foreclosure for the past 4 years with no resolution. I attended the workshop that the DOJ held on XXXX in XXXX and was told that I needed more paperwork sent ( again ) which I sent on XXXX as I agreed. Wells Fargo was suppose to contact me on XXXX to confirm and to date I still have not heard back from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: This summer, I tried to get the free copies of my credit report from the XXXX agencies. I have to report that it was very difficult. I was only able to get XXXX ( XXXX ) ; I had to pay for XXXX ( i.e., sign up for a {$1.00} trial at XXXX ), and I was never able to get Trans Union report. The free website would lock up, it was very difficult to use, and the whole process took hours.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2016 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage PAID IN FULL on XXXX XXXX, 2016. Husband has called for return of original DEED OF TRUST, return of original PROMISSORY NOTE marked " paid-in-full '', and a RELEASE OF LIEN so we can file the appropriate documents with the county to show that there is no lien on our property. Basically, the mortgage company is lying to us already!! Customer Service says all this was sent by Certified Mail on XXXX XXXX, 2016. Postmaster says Certified mail is received in less than 5 business days. Mortgage company can not give us a tracking number for the Postmaster to trace this Certified mail. This is the LIE!!! I do n't want this situation to drag out over a long period of time and become an unsolvable " ISSUE '', requiring legal assistance ; even though my nephew is a lawyer. I can provide names and dates of phone calls to the mortgage company. I can provide copies if documents sent to the mortgage company, i.e., copy of the wire transfer where the credit union sent the payoff money to the mortgage company & the check where the mortgage company returned the escrow money to us because of the loan being paid off. I suspect the mortgage company has absolutely no idea where the Deed of Trust or the Promissory Note are physically located!! Probably, these documents have been LOST for years!! I expect the mortgage company to continue LYING by telling us that " we did this '' or " we sent that '' kind of XXXX. This is why I am asking for help from you. I am XXXX XXXX years old and want this situation completely settled and the proper paperwork filed at the county before I die! I have read the " complaints '' website on this mortgage company. It seems that this mortgage company will go as far as possible, evenly illegally, to hurt us. There is one complaint similar to ours where the homeowner has yet to receive documents after SEVEN years! There are many complaints alluding to payments being made on time, only to receive foreclosure notices. I expect to receive late-payment notices starting this month ( XXXX, 2016 ). There are complaints where this mortgage company receives insurance checks for repairs, ( i.e., windstorms or floods, etc. ) but does not release funds to pay contractors, leaving the homeowner responsible for all repair bills while trying to get the insurance payments " released ''. I feel as though I better start protecting myself from this under-handed mortgage company! This is why I am asking for your assistance right away.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Medical) with Bull City Financial Solutions, Inc (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I do not understand why this is in collections. I know this was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern : Loan # XXXX and equity # XXXXOcwen illegally try to extort money from me using " legal '' ways! 
I just received from them a " Pre foreclosure '' notice package. 
Their XXXX located managers never clear explain their " math '', how they figured out astronomical " late fees '', they just pressure on me to pay. It is strange, that since XX/XX/XXXX till XX/XX/XXXX they just collected " late fee charges '' and never try to make a real foreclosure! It looks like a scam! 
I request to remove all unfair " late fee charges '' Ocwen collected for almost XXXX years, because : My previous mortgage company GMAC was sold to Ocwen at XX/XX/XXXX. Included are a copies of my payments to GMAC. They show, that I paid AHEAD for any coming month, so, GMAC never charged me with late fees, it is a hard proof, that I always paid AHEAD for coming month, at time, with XXXX days each month period without interruption! No any " late fee charges '' shown on GMAC statements. At the time my GMAC account was sold to Ocwen account, I still continue make mortgage payments of {$1000.00} the same way I did to GMAC in XXXX days each month pay period, it is showing on my bank statements. My very last payment to GMAC for XX/XX/XXXX was completed the same way, ahead, on XX/XX/XXXX. Attached is a copy of my bank statement at this particular date, showing payments. My first payment to Ocwen was completed by XX/XX/XXXX also ahead for XX/XX/XXXX ( in XXXX days of each month period ). So, there is no interruptions with payments. 
Each following month I did payments at time, ahead, except for XX/XX/XXXX and XX/XX/XXXX, because there was dispute with Ocwen. 
XX/XX/XXXX I did not pay for XX/XX/XXXX and XX/XX/XXXX I did not pay for XX/XX/XXXX, I missed those XXXX payments for XX/XX/XXXX and XX/XX/XXXX because of dispute with Ocwen. 
XX/XX/XXXX I did two payments for missing XXXX month and did third one mortgage payment for coming XX/XX/XXXX month with included " late fee charges '', so, instead of {$1000.00} I paid {$1100.00} to cover " late fees for missed XXXX month ''. The next payments in XX/XX/XXXX were done also ahead for coming XX/XX/XXXX months XX/XX/XXXX At XX/XX/XXXX I did mortgage payment for XX/XX/XXXX ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In XXXX 2016 I checked my credit report and all of the inquiries had been deleted, however I checked my report and see they were put back with no notification. I would like these inquiries removed immediately.

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 08/30/2016 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing the loan or lease

Complaint: For the second time in less then a year, Bank of America has cashed my personal check payment for my RV loan for {$420.00}, but only credited my account with {$360.00}. My monthly payment is {$360.00}, but I always pay extra, clearly marking it on their payment voucher. This time I paid {$60.00} extra on my loan. I have the cashed check photo copies from my credit union. I also feel this is due to huge internal problems at this bank and is systemic. There could be XXXX other people having the same thing done to them who are not catching this. Additionally, it is not possible to email Bank of America ; only private messaging through their website where there is no written trail of correspondence. When trying to phone them, you wait on hold for up to XXXX minutes and are hung up on.

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 09/25/2016 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: GC Services is handling my defaulted student loan. They will not come up with a repayment plan without asking me for detailed financial information, to include my most recent pay stubs and tax returns. They were talking about wage garnishment or a monthly payment in excess of XXXX-XXXX dollars for something called a Loan Rehabilitation. Their phone calls are non-stop and from several different telephone numbers. 
I want nothing more than to get this back on track as it is killing my credit rating. I am sufferning over this but really want to settle on a reasonable monthly payment, not what feels like a car payment. 
I have XXXX young children and many expenses, including a mortgage that is nearly XXXX dollars a month. The monthly payment I had before this went to GC would be affordable now. I wish there was a way to agree on a reasonable payment without handing over all of my financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (I do not know) with Northstar Location Services, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In the last 3 weeks I have gotten 4 calls from the following number : XXXX with the following message : This message is for ( my name ). If you are not ( my name ) please hang up. By continuing to listen to this message you agree that you are XXXX XXXX. My name is ( insert name here ) and I am calling from Northstar Location Services please return my call at XXXX regarding a debt collection. 

I do not have any outstanding debts. I have looked up the number and it there have been several complaints that this is a scammer number.

Company response to consumer: Closed
Consumer complaint received 07-05-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company is Midland Credit Management but on caller ID it shows up as XXXX XXXX ( XXXX ) and they will call up to XXXX times a day every day but when I answer there is no one there and they just hang up. Also they will never leave a message on my machine. I am XXXX XXXX and all these calls constantly at all hours of the day and night are aggravating my injuries and causing undo stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-09-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have previously disputed a New York State tax judgement on my Experian credit report. There is no record of such judgment in the New York state records. The judgment is is number XXXX. I would like this judgment to be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: In my most recent Transunion Credit Report I viewed several accounts ( loans ) that I paid in full still reflecting as open. I requested Transunion to send me my most updated Credit Report and as of today they have not complied with my request. If these accounts are not reflecting correctly on my Credit Report it is damaging my Credit Worthiness and Credit Score.

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 10/14/2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (CO).
Issue: Deposits and withdrawals

Complaint: Navy Federal Credit Union froze my bank accounts over credit card dues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Student loan (Federal student loan servicing) with Van Ru Credit Corporation (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: The company offered me a settlement and allowed me to make payments on the settlement thru my garnishment. At the end of my garnishment the company begins to tell me that I was to have made a voluntary payment without the garnishment. The settlement letter did n't include this nor did the representative explain this when she put me on the settlement. Now that I 'm at the end of my arrangement and met the before the deadline. The company is telling me that I should 've made a voluntary payment. I 'm very upset about this I 'm trying to resolve my debts and need them done in the correct manor following all consumer laws

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 09-01-2017 about Debt collection (Payday loan debt) with BlueChip Financial (VA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I have been getting daily recorded phone calls from XXXX XXXX XXXX. 
When I call them back, they say I am being investigated for federal bank fraud and that I would be served. I 've also been told that they would continue to charge me 700 % interest until I paid the debt, which is n't legal in my state and that I would never be able to buy a car or get another job. 

They are also leaving the same recorded messages at my father 's house. I have never lived at that address nor have I used that phone number. 

I have these voice messages saved. 

The company gave me the address of : XXXX XXXX XXXX in XXXX, KY.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: hi i have tryed to contact transunion about the the error on my report on the inquiries that are on the report due to them having a system error there are XXXX XXXX that are on the report in error Credit Inquiries 1. XXXX XXXX XXXX dated XXXX-2017 2 .XXXX XXXX dated XXXX-2017 3. XXXX dated XXXX-2017 4. XXXX dated XXXX-2017 5. XXXX XXXX the inquires listed are in error and or not authorized i have call all the creditor, s that made the inquires but none will work with me to take off the information transunion is telling consumers to call and or write letters to the creditors to have them remove the inquires and i talked with the creditors in this case and sent them letters and they will not cooperate the creditors do not keep the records on the inquires on file they said so i asked the transunion to remove the inquries and or do a investigation and they refused to cooperate with me as well so i am asking please to have this issue fixed and have them removed by transunion do to there error on the transunion system and fix them on my report because the creditor, s will not cooperate as well as transunion 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 01/20/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TX).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, 2016 I wrote a check to Wells Fargo Mortgage for {$3600.00} to pay off my mortgage. This was the payoff amount I was quoted by both their online site and a bank officer at their branch. The payoff amount I was led to believe included all interest due and processing fees. The bank has since come back told me that I have interest due and a processing fee of {$18.00} due. After talking with Wells Fargo they have agreed to waive the interest charge, but not the processing fee of {$18.00}. I have paid the bank in full and should owe no more money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have been paying my student loans for 11 years. I was on Autopay and never missed a payment. About 1 year ago I lost my job. I now have no money while I am looking for a new job. XXXX of my lenders allowed me to deffer my loans as was the case when I graduated college. However XXXX XXXX now Navient has refused to grant me defferment and insists I pay them {$150.00} to deffer my loans for 3 months. I told them I have no money and did not pay. Navient has began harrassing me instantly by missing XXXX payment. I have received like XXXX calls from XXXX different numbers from XXXX to XXXX. This is plain rediculaous. What other business harrass people like this? I have no money to pay them and am now requesting all information be sent by mail. What are my options.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2017 about Checking or savings account (Other banking product or service) with ARVEST BANK GROUP, INC. (AR).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have 4 checking accounts with Arvest Bank. When I opened my newest account ( more than a year ago ) I asked about the cost of sending money through bill pay. I was told that since I was in the free account, I could n't have unlimited free bill pay like on the my blue account, but that I could send up to 6 for free each month. I have only one bill pay item in the amount of {$40.00} that is sent each month from my bills account to the city. I have had this in place for quite some time and have not been charged even once for it. I was balancing my accounts today and noticed that a XXXX cent charge came through on an account that I have never even used bill pay on. I figured this must be an error, so I called the bank and explained the situation. After the rep completed her research, she told me that bill pay items are never free on free checking accounts and that I was being charged for the {$40.00} item that had been sent. I reiterated that I was told bill pay was free up to 6 items, that I had not been charged even once in the past, and that the account being charged has not ever had a single bill pay item come out of it. To that she responded that bill pay must have been set up " weirdly '' on my account and that she could not waive that fee or any future fees for bill pay.

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 06/25/2015 about Debt collection (I do not know) with Medical Business Bureau (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation