milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/27/2015 about Credit card () with CITIBANK, N.A. (WI).
Issue: Payoff process

Complaint: There was promotional value of 0 % interest for 12 months on the Sears Credit card. The original balance was a little less then {$700.00} and to this date, we have paid over {$750.00} towards this balance. We made other purchases after but were making payments that were suppose to go to the original promotional balance. After calling the company direct, we were told that the payments were going to the full balance instead of the promotional value and that you need to call and set up a separate payment to go towards that. We have a {$100.00} set up as autopay that should go towards the promotional value, but instead they have been using it towards the whole balance instead.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2017 about Mortgage (Conventional home mortgage) with Stearns Ventures, LLC (UT).
Issue: Trouble during payment process

Complaint: XX/XX/2017 From XXXX XXXX XXXX XXXX : Stearns Lending fraud. 
XXXX XXXX XXXX Dear Sir/Madam I have continually had issues with my loan with Stearns. Almost every payment they either reverse or re-apply to my detriment. I have been sending in extra payments yet they have recently charged me late fees and refuse to correct them. I have also sent in several cashiers checks recently of which some they have applied then later marked as " bad check reversal '' and un-applied them even though they are CASHIERS CHECKS from reputable banks. Regardless of the bank I use, they continually use these purposefully confusing shady fraudulent practices in order to hide the extra payments and mark my mortgage owed as higher than what I have paid. 

I have requested via email and I have called and they either promise to fix and never fi or they refuse to fix their error saying it was my error. My loan should be a full {$10000.00} less right now than what they show ( not including the interest paid they need to refund me ). 

I am only contacting you out of desperation because they will not help me and at this point my mortgage statement is so messed up it may take a forensic accountant to fix it. I am sure you will find more complaints regarding this company. The problems started when I began paying extra so I can only assume someone there has been funneling my money elsewhere. 

PLEASE HELP!!! I can no longer accept this fraud and I need someone to force them to fix my mortgage correctly. 

Thank you! 

XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX

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 11/29/2017 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: My name is XXXX XXXX. The credit bureau is refusing to remove a collection record from my report that is not mine. It is being reported as a paid debt but I have never had any business dealings with this company. I have never been called by them, I have never received any letters or notices from them and I have never paid them any money. There is no reason for this to be on my credit. The account name is under " XXXX XXXX '' with account number # XXXX. It is reported to have been opened since XXXX 2016. As the credit bureau 's records will show, I have been disputing this for a very LONG time. To this date, I have only received generic responses claiming the account information is accurate to be on my report. Last week, I took it upon myself to call XXXX XXXX and spoke to their representatives and a supervisor. It turns out that the personal information on this account does not match mine besides a very similar sounding name. They were not able to give out any more details because I was not the verified person on the account. This is frustrating and confirms to me that the credit bureau has not been processing my past disputes properly. If I am being told by the source of this information that this is not my account, why does the credit bureau continue to report this to my credit? I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake. This is the reason why I am filing this complaint.

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 12/13/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello, My name is XXXX XXXX and I completed a program through the XXXX XXXX XX/XX/XXXX I believe. It was a loan rehabilitation program to remove penalties from my defaulted loans and bring them current. After finishing the program my loans were sent to Navient and they settled on {$84.00} per month. I had been making payments then all of a sudden the loans were sold and I have no idea where they are. I was still paying through Navient but that is NOT who these funds were being dispersed to. 
Unfortunately a substantial amount of time has passed. I sent a previous complaint in XX/XX/XXXX stating that I could not reach anyone from XXXX XXXX now Navient. I was always routed to a collection agency, even though I have been paying on XXXX loan consistently since XX/XX/XXXX. XXXX XXXX responded admitting to this action taking place. The Case Number is XXXX. 
I was unable to contact anyone about where the loans were sold to. I received no correspondence. I even reached out to student aid.gov and they said that they can not help me as they do not handle these things but I can contact my lender. This was very unhelpful because a ) my loans had been sold b ) XXXX XXXX/Navient was routing all calls to creditors c ) you ca n't handle this issue but you can take my money. 
This has been a grueling process over the last 5 years and it 's a huge maze and circular. 
I have also recently found out that Navient has stooped applying my $ XXXX monthly payment to my {$1700.00} loan that I have been paying since XX/XX/XXXX. I am almost done paying it off and they have taken it upon themselves to appropriate the funds elsewhere without my permission. 
At this point this needs to be sent my state Senator and Attorney General. 
Thank You So Much for Your Help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I wish to raise an official complaint in respect of the treatment of my mortgage account of Ditech Financial LLC a XXXX XXXX on the basis that our payments are not being recorded correctly. 
I have enclosed our payment history since XXXX/XXXX/XXXX to reflect that my account is not delinquent. What we were told by Ditech is that the XXXX/XXXX/XXXX payment was applied to the principal instead of our XXXX monthly payment. This made us delinquent for our XXXX payment. The explanation that was given to us was that they switched to a new system and mistake was committed by their system. 
My wife and I have called Ditech several times for the last 14 days ( XXXX XXXX to XXXX XXXX, XXXX ) to ask them to correct this error. I spoke to XXXX on XXXX XXXX and was told that this error will be fixed soon. We received XXXX letter that our account has been assigned to an account representative with a statement that states " this communication is from a debt collector. '' On XXXX XXXX my wife spoke to an account representative XXXX XXXX who promised my wife that this error will be corrected on XXXX XXXX, XXXX but as I have narrated XXXX XXXX this error has still not been corrected. 
We are reporting this complaint to protect our credit history since we pay our financial obligations on time and have excellent credit histories and credit scores. Also as my wife was reading reviews about Ditech several have complained to several federal agencies and have suffered delinquent accounts for reporting their complaints. 
Please assist us in this matter.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Bank account or service (Checking account) with SCOTTRADE BANK (MO).
Issue: Deposits and withdrawals

Complaint: I filed a few complaints with Scottrade and was told that they would get back to me within a few days. Scottrade did not respond - so I am writing this complaint. 

I formerly closed my account as Scottrade but was also informed about the data breach discussed here : XXXXI would like to know why Scottrade is not responding to my complaints about the breach and why Scottrade is the only company not to give additional disclosures about the hacking.

Company response to consumer: Closed
Consumer complaint received 02-03-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with CHARLES SCHWAB CORPORATION, THE (TX).
Issue: Trouble during payment process

Complaint: Please see the latest complaint sent to the company # XXXX. We have not received any indications when our interest rate has changed or payments due and the amounts of these payments. A representative informed me indications of change in interest rates can not be communicated because the change happens to quickly to allow notifications to be sent to us. However, this results in missed, past due payments and collection activity. This has been the case since we have completed our five-year bankruptcy terms. Although the BK completion charged us to be on time for every payment. This is contradictory information and seem to be set up in an effort to attempt to foreclose on our home again ( which happened while we were in bk )

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I 'm filing a complaint about the data breach from Equifax. I heard about it on XXXX XXXX, 2017 and  have found that my information is at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Money transfers (Domestic (US) money transfer) with TD BANK US HOLDING COMPANY (NY).
Issue: Other transaction issues

Complaint: I received my monthly TD bank statement and saw transactions that I did not recognize by what appeared on the statement as XXXX which I learned later from the bank that it was a payroll company called " XXXX '', XXXX of them were deposits of small amounts then a withdrawal of {$40000.00}. I contacted the bank immediately because this is an account I had saved for my pension and I never use it to make any transactions and it was shocking for me to lose this amount of money and I never authorized these transactions nor did I ever hear about this " XXXX '' before. The bank was not cooperative. I filed an ACH dispute on XX/XX/XXXX which the bank denied in a letter on XX/XX/XXXX claiming that I should contact the company that withdrew the money myself. After consulting a lawyer, I sent them another letter on XX/XX/XXXX regarding my lawful rights for the ACH dispute and unauthorized transfer explaining to them the laws of the EFTA and Reg E. They acknowledged receiving the letter and they said they will answer it. I gave them 10 days in my letter to answer me but it has been three weeks and I have not heard from them. They are now avoiding any attempts that I make to contact them. Since then I closed my account with them and opened a new one in a different bank because TD bank was obviously too vulnerable to a scam and yet would not acknowledge their mistake nor help me get my money back. 
I am attaching all necessary documents that supplement my problem and they have a better explanation of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Debt collection (Credit card debt) with Blitt and Gaines, P.C. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The following attorney group has been making consistent false attempts to collect a credit card debt for the following, ( XXXX XXXX XXXX, XXXX ) which is no longer due/relevant. The amount they are attempting to collect by harassing false letters and phone calls is past The statute of limitations in Illinois. 
This firm has been contracted several times before by your Consumer Financial Protection Burea,  but yet they continue to harras me by mail and phone. 
Please assist me in this matter and make this firm stop harassing me, please. 

Blitt and Gaines/Attorney at Law XXXX XXXX XXXX XXXX, IL. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen received XXXX payments inadvertently in XXXX. XXXX on XXXX XXXX and the other on XXXX XXXX. XXXX reps on two different days said they would reverse the payment back to my credit union. They reversed the payment on the accout but never sent the money back to the credit union. They put it in a suspense account! As of today, the payment has NOT been sent back to the credit union NOR has it been reapplied back to my mortgage. They have charged a late fee and sent me a past due notice!! THEY HAVE THE MONEY!!! I needed the payment back to pay on my son 's remaining hospital bills as well as my utilities and other bills. I explained that when I called on XXXX XXXX. A while back, they had me to fax a statement to them about my paying them at the end of the month due to the hospital bills so they would stop calling my home. It was very upsetting, as is this situation! They purposely kept both payments and the second payment is just sitting somewhere!

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Nationwide has wrongly reported my name to the Credit Bureau on behalf of XXXX XXXX XXXX XXXX. Whenever, I called XXXX, they tell me to call Nationwide Collection Agency for details. But when I contact Nationwide, Manager XXXX XXXX stated that XXXX owned my accounts. I strongly believe that they are falsely tried to collect debts that are outdated. Nationwide recently sent charges from XX/XX/2012 and XX/XX/XXXX for {$2000.00} to XXXX. That 's Wrong! I do have Medicare.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX/XXXX/XXXX Called XXXX XXXX @ XXXX spoke with XXXX in the credit collections department. Confirmed payment in full of $ XXXX confirmation # XXXX. Advised that all 3 credit bureaus will delete account from credit report because account is paid in full. It is being reported on my credit report as closed with a {$0.00} balance and it should be deleted completely as per the company ( XXXX 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 non-monetary relief
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: On XX/XX/XXXX I report XXXX of my creditors information was on my report had incorrect information. Experian was missing payments that were done on time from XX/XX/XXXX to XX/XX/XXXX. I contacted XXXX XXXX XXXX and they explain that Experian had a block on my account to report my payments. I explained to them that was not true since my other creditors are submitting the information. 
However, I notice that Experian deleted the creditor from my file. I called on XX/XX/XXXX to inquiry why this account was deleted. The person that work there could not provide a reason. He was suppose to open a case to have it added back with current payments. I do no see any indication on my report that it was done. 

I need help to get my credit report to properly maintain and being accurate. Since they also had old accounts that were XXXX from XXXX Chapter 7 Bankruptcy that took several disputes to finally be updated last week. I am still disputing another account that needs to be deleted and it is staring to be an issue.

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 09/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: There are hard inquiries that where placed on my credit report without authorization. This was removed previously and reinserted by a glitch in the Trans Union system. I spoke to several employees of the CB and they were very rude and demeaning, and refused to remove the inquiries. None of these places had a written authorization to pull my credit and no form of credit was given to me by the place.

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 01/27/2017 about Prepaid card (Government benefit payment card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Unauthorized transactions/trans. issues

Complaint: I was issued a debit card from XXXX/Bank of America. Card was credited by XXXX in Michigan for approx {$990.00} on XX/XX/XXXX 2 times = approx {$2000.00} in credits. A charge for {$1800.00} was made to somewhere in the XXXX. Bank adjusted so all was ok. On XX/XX/XXXX ( after card was suspended ) called BOA , letting them know card was again credited another {$990.00}. Was to be taken care of and on XX/XX/XXXX those XXXX charges were reversed and now I owe over {$2700.00}! Bank refuses to handle situation so I can get MY {$240.00} out.

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 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (WV).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: This is not my account possibly identity theft

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 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (IN).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: My XXXX XXXX . auto claims report erroneously lists me as the vehicle operator for an accident that occurred on XX/XX/XXXX. I am in receipt of a letter from XXXX XXXX showing that this erroneous information was considered when calculating my insurance premiums. 

I called XXXX on XX/XX/XXXX and was advised that my dispute would be investigated. As of this afternoon, the error remains on my report. 

I called XXXX this afternoon, XX/XX/XXXX. I was told that XXXX XXXX has confirmed that the information I disputed was incorrect. The agent was unclear why this information remains on my report, but promised to have his company 's investigators review the file. 

I would like this error corrected and new copies of my XXXX XXXX report sent to me and to my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Mortgage (VA mortgage) with LoanCare, LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Loan # XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, NY XXXX We represent the XXXX, the borrowers/owners of the above referenced property who have been trying to complete a short sale with XXXX for over a year! We are now on our XXXX buyer as we have lost our prior buyers due to the extensive delays by XXXX in processing this request. On XXXX XXXX, 2016 the prior servicer ( XXXX XXXX ) confirmed that the appraisal was done and they would be issuing the approval latter that week. On XXXX/XXXX/16 the loan was transferred to LoanCare, LLC before the approval letter was issued. 
We have called daily for the past 2 weeks trying to get status and are repeatedly told that no one has been assigned to our client 's file. This is the worst case of unresponsiveness and torment by a lender we have ever experienced.

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 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
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: This account was set up without my consent. It was a student account. The charges and the account are fraud. I have been called and bothered enough with this account. I have tried to call and explain to them and even disputed it with  XXXX  and TransUnion.

  XXXX   XXXX   XXXX   XXXX   # XXXX 
  XXXX   XXXX   XXXX   XXXX   DE  XXXX 
  XXXX   XXXX   
Date Opened:  XX/XX/XXXX 
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Date Updated:  XX/XX/XXXX 
Last Payment Made:  XX/XX/XXXX 
Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed:   XXXX   
>Maximum Delinquency of 120 days in   XXXX    and in
 XX/XX/XXXX <
High Balance: High balance of $ XXXX  from  XX/XX/XXXX  to  XX/XX/XXXX 
Credit Limit: Credit limit of $ XXXX  from  XX/XX/XXXX  to  XX/XX/XXXX 
Estimated month and year that this item will be removed:  XX/XX/XXXX 
 XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX    XXXX       XXXX   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