milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Adjustment Service, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX will not retract the debt from the credit collection agency when the debt has been paid in full. I spent 2 hours at XXXX store in XXXX MD and spoke to XXXX XXXX XXXX who stated he could not assist.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Student loan (Federal student loan servicing) with IOWA STUDENT LOAN LIQUIDITY CORPORATION (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I received my XXXX degree in XX/XX/XXXX. I began paying monthly installments on my student loan sixty days later. In XX/XX/XXXX, I received a XXXX certificate and I consequently took out another student loan. In XX/XX/XXXX, I was having financial difficulties. I called to see if my payments could be reduced. They said i needed to consolidate my students loans in order to make the payments lower. 
Today, I still owe {$12000.00} and I still need to make 7 more years of student loan payments to this loan. I would have never agreed to consolidating my student loans had I been properly informed by the lender that the lower payments would equal more payments ( extended period of time ) and more interest paid : I would have never agreed to consolidation. I do not feel I was properly informed about the disadvantages of consolidation on the phone at the the time of asking for help with lowering my payments. I feel that I was pushed into the consolidation program without receiving complete information about the program or given time to consider the action. 
Now, I am applying for a XXXX plus loan and my prior student loan history is weighing heavily negatively against me and effecting my chances of receiving my XXXX plus loan. I have been accepted to start an XXXX program in XX/XX/XXXX. I will focus on XXXX and plan to work towards my XXXX after graduation. My student advisor emailed me yesterday : he said if i can not get my XXXX student loan, I should consider not accepting the XXXX program in XX/XX/XXXX. 
I want to become a XXXX more than anything.I was affected by my mother 's XXXX at a young age. I am a single woman and I need to support myself. Additionally, I am my mother 's primary caretaker. I need this XXXX education in order to help the children XXXX reach a healing point. 
XXXX XXXX XXXX University and University 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
Consumer complaint received 05/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I went online to Experian.com to get my annual free credit report. After my report was generated, the website had an option for me to get my credit score for {$1.00}. I ordered the credit score for {$1.00}. I just looked at my credit card bill and not only did Experian charge me the {$1.00} on XXXX XXXX, 2015, they also charged my credit card an additional {$21.00} on XXXX XXXX, 2015. I called Experian today, XXXX XXXX, 2015, to find out why they charged my credit card {$21.00} and was told by XXXX ID # XXXX that the charge was for their credit monitoring service. I told her I never signed up for that service and wanted my money refunded. She said she could cancel the service, but the charge was a legitimate charge and could not be refunded. I told her I never gave Experian permission to charge my card for that service or sign me up for that service. I asked her to transfer me to her supervisor. She supposedly got a supervisor, XXXX ID # XXXX, who sounded exactly like XXXX. I told her I never signed up for the service or gave permission for Experian to charge my credit card for a credit monitoring service, only the {$1.00} for my credit score. I told her I wanted my money refunded and she told me it was a legitimate charge and they would n't refund my money. I asked to speak to a manger and she said she was the highest one there for me to speak with. I told her she sounded exactly like the other lady and I was going to report Experian. I also told her how Experian was a scam because they had my credit score so much lower than all the other credit reporting agencies and had wrong information on my credit report, which I 've already disputed, now they are charging me for a service I did n't sign up for. A thorough investigation needs to be done on Experian. I believe they are lowering consumers credit scores really low to try to get people to pay for their credit monitoring and if they ca n't get the consumer to sign up that way, they illegally enroll the consumer without them knowing by offering them their credit score for {$1.00} and then continue to charge their credit card for a credit monitoring service. I want a full refund and a complete investigation into Experian 's unscrupulous and illegal practices. By law, consumers are entitled to get a free annual credit report, but when we go to Experian to get the report, we are scammed into paying for a service for which we did n't want or authorize to be enrolled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-02-2016 about Bank account or service (Savings account) with CITIBANK, N.A. (NC).
Issue: Account opening, closing, or management

Complaint: In XXXX 2016, CitiBank advertised a promotion that if you put {$50000.00} in a Gold savings account that in three months, you would receive a bonus of {$500.00}. It is now XXXX 2016, and no credit has been made to my savings account. I have submitted numerous inquiries to the bank and they have been denied. I also contacted their executive response unit three times and received no response. I feel that these are deceptive business practices and other individuals across the nation have complained about this practice.

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 11-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: A charged off item from credit XXXX bank was reported on my credit. The item was sold to midland credit management and they in turn got lawyers. I got lawyers from the fair trading commission and the item was litigated and settled. MCM removed the item as was asked to. However transunion has now relisted the item from credit XXXX on my account giving it another XXXX yrs until removal and it was already listed for XXXX. I did not initiate this as this was instruction from the lawyers. How is this fair for me? That is the reason my credit score did not move and even went down by XXXX point by transunion. This is victimization of the public by a credit reporting bureau.

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 07-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/XXXX, I received and email stating my new card was on it 's way. On XX/XX/XXXX, I was resetting my password for my Capital One savings account when I saw 2 usernames linked to my email address. The second email address : " XXXX '' was not an account that I opened. I called Capital One savings customer service and was transferred to their fraud department. The representative in the fraud department deactivated the fraudulent online account and forwarded my case for investigation by Capital One. The representative told me that the charges were not my responsibility, because they were not made by me and to wait for a letter from Capital One. I activated the 90 day fraud alert and waited for the result of the investigation from Capital One. On XX/XX/XXXX, I received 2 letters from Capital One dated XX/XX/XXXX. One letter stated in " As part of our {$0.00} fraud liability promise, you were not held responsible for any fraudulent charges. '' The second letter listed all the fraudulent charges as not fraudulent and I was being held responsible for the charges : XXXX XXXX, XXXX, XXXX, XXXX, XXXX in the amounts of {$54.00} ; {$190.00} ; {$200.00} ; {$200.00} ; {$220.00} ; {$320.00} ; {$340.00} ; {$380.00} ; {$390.00} ; {$400.00} ; {$1300.00} ; {$1400.00} ; {$1800.00} ; {$2400.00}. I never received or activated the Capital One credit card, because it never arrived. A false online account was opened at Capital One, which I assume is related to the missing card. I would like to know how the card was able to be used when I never received nor activated it and how it was possible for a fraudulent online account to be opened. I do n't even know my credit card number. How was information I only sent to Capital One obtained by a third party who fraudulently activated my credit card and opened a fraudulent online Capital One account? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: This is a follow up complaint to a previous claim ( # XXXX ). My mortgage was discharged in a bankruptcy XX/XX/XXXX. Since XX/XX/XXXX I have been trying to sell or transfer title of my cooperative apartment. I vacated the premises in XX/XX/XXXX and was refused an apartment because Chase was still reporting to the credit bureaus. I submitted title transfer paperwork XX/XX/XXXX for a Deed in Lieu of Foreclosure ( DIL ), and due to multiple unnecessary delays by Chase bank, third party inspectors, appraisers, Fannie Mae, and the bank 's attorney, I had to start the application process over from scratch XX/XX/XXXX. I have encountered several continued hiccups in the meantime, finally leading to the DIL application getting re-approved in the Fall. However, since XX/XX/XXXX I have been prepping for a closing by submitting monthly cooperative maintenance payoff letters and regularly following up with my assigned DIL negotiator. No progress has been made on my file since XX/XX/XXXX. 
I recently received a letter in the mail stating that the mortgage has been assigned to XXXX XXXX XXXX as of XX/XX/XXXX. Under separate cover that same day I received a mortgage assistance application from Chase. When I spoke to my DIL negotiator about these XXXX pieces of mail, and asked whether I 'd have to start the DIL process over again, she said she " did n't know, but I might have to ''. Why am I potentially starting the process over again? why does n't she know? and why does the new assignee not have a record of this mortgage being discharged? I subsequently received another loan assistance application from Chase stating that my mortgage is now more than 30 days past due. It was discharged in XX/XX/XXXX. At this rate, they will start reporting to the credit agencies again. Chase does not seem to have clue about how to handle my account, and they do not have any intrabank protocols or quality assurance practices in place to make sure that they are informed about the status of their mortgages before reaching out to borrowers. 
I need to know from the CFPB what protections, options, and alternatives I have to get this matter finalized after 2.5 years. Chase has entered into a new relationship with an assignee that could further damage my credit since they still think that my mortgage is active. The only open matter at this time is a transfer of title, not collection of a debt, which the new entity does not seem to be aware of. Once they become aware, they may have a completely different process for closing this aged file, and accepting title to the apartment. Do they even have the authority to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I previously made a complaint through this website onXX/XX/XXXX/2017.  The company responded that they closed the account and would adjust my statement to reflect I had no available credit balance. To date they have not adjusted my statement - which still reflects an available credit of {$2400.00}. I believe 3 billing cycles is more then enough time to close the account and adjust my statement reflect properly reflect this closure. Either the account is closed - or it is not. I would like Santander to say one way or another and stand behind that decision.

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 02/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX -- -XXXX XXXX AND XXXX XXXX XXXX XXXX INQUIRES ON MY CREDIT BY NEGLIGENCE ( XXXX ) TOTALING XXXX-BUREAUS TRANSUNION-XXXX-XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: WELLS FARGO IS WRONGFULLY REPORTING 30 DAY LATES FOR SEVERAL MONTHS FROM XX/XX/XXXX-XX/XX/XXXX. I HAVE TRIED TO CONTACT THEM AND PROVIDED PROOF OF PAYMENT FOR EACH MONTH THEY REPORTED LATE, BUT MY REQUESTS KEEP GETTING IGNORED. WELLS FORGO STATES THEY WILL NOT CORRECT OR REMOVE LATES AND HAVE SENT ME PAYMENT HISTORY WHICH DOES SHOW ALL PAYMENTS RECEIVED IN A TIMELY MATTER WITH NO LATES HOWEVER ON MY CREDIT REPORT THEY ARE REPORTING LATE ... THIS IS VERY CONTROVERSIAL INFO, HOW CAN THEIR PAYMENT HISTORY SHOW PAYMENTS MADE ON TIME BUT THEIR REPORTING TO BUREAUS SHOW LATES .... 
WELLS FARGO HOME XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX Phone number not available Date Opened : XXXX/XXXX/XXXX Responsibility : Joint Account Account Type : Mortgage Account Loan Type : CONVENTIONAL REAL ESTATE MTG Balance : {$420000.00} Date Updated : XXXX/XXXX/XXXX Payment Received : {$4000.00} Last Payment Made : XXXX/XXXX/XXXX High Balance : {$440000.00} Original Charge-off : {$0.00} Pay Status : Current ; Paid or Paying as Agreed Terms : {$4000.00} per month, paid Monthly for 480 months Remarks : DISP INVG COMP-CONSUM DISAGRS XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Rating OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Rating OK X OK OK XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Rating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Rating 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 non-monetary relief
Consumer complaint received 03/17/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold by XXXX to Ditech in XX/XX/2016. The last mortgage payment I made to XXXX was never transferred to Ditech, so as soon as my account transferred I was considered " late ''. I called and wrote Ditech to no avail. I ended up making double mortgage payments for XX/XX/XXXX in an attempt to stop them showing I was late in paying my mortgage. It has been over a year and I thouight they had finally cleared this up, but just looked at a current statement and it shows accumulating late fees. THE PAPERWORK I RECEIVED WHEN MY MORTGAGE WAS TRANSFERRED TO DITECH INDICATED THAT THEY WOULD NOT CHARGE LATE FEES FOR 60 DAYS AFTER A MORTGAGE WAS TRANSFERRED TO THEM. They have committed fraud because they did not honor this agreement. 
I have NEVER knowingly paid anything late in my entire life. My credit score is over XXXX. Why can they not clear up their accounts and just be honest? Why did I never receive notification that they thought I still owed them a late fee?? In this situation with Ditech, I even made a double mortgage payment ( once to XXXX, and once to Ditech, which should n't even have been owed if they knew their accounting system from a hole in the ground ) to avoid a late fee, or being caused to look like a deadbeat. 
It enrages me that mortgages can be bought and sold seemingly at random and the consumer has no choice whatsoever in who services their mortgage. This is the hugest financial transaction that 99 % of us will ever have. Why ca n't it be done right? 
XXXX, I revere you. Please help with this issue. It is n't just me, but umpteem consumers that are getting shafted by this morgage servicing XXXX. 
Many thanks in advance for whatever you might be allowed to do by the current " administration ''. 
What am I asking for? : ( 1 ) Ditech removes the bogus " late fees '' from my account ( 2 ) Ditech sends me a letter of apology and an acknowledgment that what they did was in violation of their own policies ( 3 ) Ditech is put on some kind of watch list so if they continue doing this to me or any other consumer, they face harsh penalties and/or jail time for everyone in the C-suite ( 4 ) A bill is introduced to make mortgage servicing " cramming '' a federal offense punishable by massive penalties and jail time for executives

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2015 about Debt collection (Federal student loan) with Performant Financial Corporation (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have asked for written correspondence from Performant Recovery instead of all the phone calls, which is handling my student loan. I contacted this company about a repayment plan on my student loan, ( but I was still sending {$30.00} per month ). I 've faxed and mailed XXXX now to XXXX XXXX all the information needed to arrange payment since XXXX 2015 only to receive phone calls from from another agent from Performant Recovery. Stop calling and put it in writing. In the meantime Performant Recovery keeps adding fees to the account. Is this fair?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Mortgage (Other type of mortgage) with Aldridge Pite, LLP (CA).
Issue: Struggling to pay mortgage

Complaint: Questions to the pretender lenders, their agents, co parties principle ( s ) that have never been answered : 1. Under what authority these strangers to me and to the alleged financial transaction that never took place filed for a notice of default when there is no loan to me, see attached declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX that there was no loan transaction in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXXfrom any of the parties who have falsified papers to make a fraudulent claim to my private property? 2. Under what authority these strangers to me and to the alleged financial transaction that never took place have been attempting to extort monies and property from me when i : have my non judicial judgment at TILA 1635 et. seq. indorsed by enacted federal and state law and by all three branches of the government, to wit : the president, the congress and the SCOTUS unanimous decision in XXXX v. XXXX XXXX XXXX XXXX, 729 F. 3d 1092 ( 8th Cir. XXXX ), cert. granted, 82 U.S.L.W. 3366 ( U.S. XX/XX/XXXX ) ( Docket No. XXXX, SCOTUS Unanimous decision XX/XX/XXXX Author : XXXX XXXX ), at 12 CFR 226.15 ( d ), ( 1 ), ( 2 ) and ( 3 ), Reg. Z by Federal Reserve. 3. How did these entities that claim [ falsely ] that the alleged non existing loan is in default, obtained the right to collect on a non existing debt, and when there is no default and all payments on a non existing alleged loan has been received? [ see declaration of ex police officer and currently private investigator that XXXX XXXX XXXX, XXXX surrendered to California secretary of state in XXXX, therefore it did not exist to give me a loan in XXXX and did not give me a loan in XXXX.
4. what evidence do these people have who are making a grand theft of my home that A ) there was a loan made to me from any of the pretender lenders ( when there was none, see attachment ), B ) that there is a default ( when there is none, see attached that all payments on a non existing loan has been received on continuous basis ) ; and C ) how did these entities obtain the right to foreclose on my sovereign property, where are the unaltered original note? the chain of assignments? proof of payment such as Check XXXX, ACH confirmation or cancelled check? when there is none, see declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX. 5. Under what authority the pretender lenders are trying to foreclose on my property when the non existing alleged loan has been liquidated on XXXXXX/XX/XXXX to unknown parties? see attached obtained from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 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: Account information incorrect

Complaint: I noticed I had late payments on my XXXX XXXX  XXXX XXXX after reviewing my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is not correct.

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 02-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The Affiliated Group, Inc (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a debt of {$830.00} owed to XXXX XXXX XXXX. On XX/XX/2016 I made a payment of XXXX over the phone to a man named XXXX. It cleared my account. ( # XXXX Seq. # XXXX ) with my debt card. I received a bill for the balance in XXXX and sent a check for the balance of XXXX well be fore the end of the month. I noticed credit monitoring activity. It showed that The affiliated group have a Collection against me for the whole amount of {$830.00}. I have noticed that the XXXX check has not yet been cashed and XXXX will not tell me if they received it. I want to pay the XXXX to whomever but want to be sure that I do not have to pay the Collection agency the amount I paid XXXX on XX/XX/2016. I have a bank statement showing I Paid them over the phone the XX/XX/XXXX {$270.00} of the {$830.00} debt. I want this off my credit report a.s.a.p.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief