milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-04-2017 about Mortgage (Conventional home mortgage) with Statebridge Company (OH).
Issue: Trouble during payment process

Complaint: I have a problem with Statebridge Company LLC located at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CO  XXXX . The issue I am experiencing with Statebridge is that I either do not receive a statement or it is delivered after my payment due date. This problem has been ongoing for over  twelve  months and I have attempted several times to discuss the issue with  Statebridge. Statebridge  continually advises me to use the payment grace period. Statebridge claims that they can not be held responsible for any delays concerning the  Unites States Postal Service. My concern in using the grace period when sending in my payments is that I ha ve less mail dates for said payment to get to Statebridge. If th e USPS  delays the delivery of my payment, Statebridge will certainly hold me responsible for that delay and charge me a late fee. When I suggest making my payment over the phone on the due date,  Statebridge  declines to waive their fee. There is also an extra charge to pay online. I am uncomfortable entrusting Statebridge to use the direct payment option.     I called the Better Business Bureau in  XXXX , CO and they informed me that they have received over    XXXX   co mplaints in 36 months of operation against Statebridge Company  LLC  and that the company has a rating of a " B-. '' There are also currently open complaints. I last spoke to customer service representatives  XXXX  and  XXXX  at  XXXX  on    XXXX   XXXX  , 2017. I call ed back a third time to speak to a supervisor and was put in touch with  XXXX   XXXX   XXXX  at  XXXX     XXXX   XXXX  , 2017   .  XXXX   XXXX  was of no assistance in helping me to make an on time payment without added fees.  XXXX   XXXX  explained to me that the statements get sent out on the  XXXX  of the month and that any delays in delivery was not his company 's problem.     Customer service is not in  Statebridge 's Company LLC mission statement. I want to pay my mortgage on time without added fees. It seems that Statebridge a ctually strives to discourage this. I am a United States  XXXX  veteran who has served my country for over twenty-four years. I do n't want special treatment or anything thing for free. I simply would like to receive my statements in a manner that allows me to pay my mortgage without added fees. I would like to be treated with respect and dignity and to be able to make my house payment on time without added fees.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (I do not know) with Experian Information Solutions Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have recently pulled my Experian credit report and notice accounts that have been investigated and deleted by another credit bureau still being reported by Experian. Attached to this complaint is proof that these accounts were deleted. Please follow suite and delete these accounts for accurate reporting. I am asking they just be deleted to show my true credit history. XXXX has removed all accounts associated with XXXX XXXX. These collection agencies were reporting the following accounts from the following original creditors : XXXX XXXX acct # XXXX XXXX Creditor

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 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (AZ).
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: Filed an original case through CFPB on XX/XX/XXXX against Wells Fargo Dealer Services ( WFDS ) due to non-compliance with a Small Claims lawsuit I was awarded as the Plaintiff versus WFDS ( Defendant ) to remove unfounded and unsubstantiated records with each credit reporting agency regarding alleged missed payments for a XX/XX/XXXX auto loan. The company did not respond to the CFPB complaint within 30 days, according to the CFPB. Therefore, the CFPB resent the complaint and notice that it had not heard a response, violating consumer protection rules. I then received a call on XX/XX/XXXX from WFDS that "  the case was still open. We wanted to contact you to let you know we 're working to resolve this case regarding the small claims legal action you were awarded against Wells Fargo Dealer Services and the case you reported to the CFPB. We will be in contact with you every 3 to 4 days for transparency purposes, and to just keep you in the loop on our processing your complaints and legal action. Please feel free to contact us during business hours with any questions. '' I never heard back from WFDS after this call. I then contacted WFDS on XX/XX/XXXX. I was transferred to the Legal Department and spoke directly with an individual who stated that he was now the Legal Analyst for both of my cases, and that he is working on quickly getting the cases resolved and settled. " I will be in regular contact with you to assure you of your legal action against WFDS awarded by the court in your state, and get this done quickly and these cases resolved and closed. Call me any time. Let 's keep in contact. '' I never heard back from him again. I left a voice message on XX/XX/XXXX for the the Legal Analyst. Voice message stated he 'll return on XX/XX/XXXX. I left a voice message for his supervisor as his message states to do on the same day. I never received a call back from her either. I then attempted both contact numbers on XX/XX/XXXX and received the same old voice message and the supervisor 's contact suspiciously deletes. It is my firm belief that WFDS is intransigent, avoiding, and stalling ever since the court ordered WFDS to award my settlement and remove the false records of late payments from each credit reporting agency.

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 monetary relief
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: THE THREE CREDIT BUREAU ADVISED ME TO GET A POLICE REPORT DO TO FRAUDULENT INFORMATION ON MY CREDIT FILES, I DID THAT AND SENT IT OVER THE EACH COMPANY XXXX FRAUDULENT ACCOUNTS ( 2 XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX 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 06-02-2015 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: The key issue here is that netspend debit cards are marketed and sold next to giftcards in pharmacy and convenience stores, but the XXXX classes of cards have significantly different rules of use. As a result, people buy debit cards, thinking they are gift cards, and when they are given to their recipients, they are done so without the recipient agreeing to significant fee rules which start upon *purchase* of the card ( vs *activation* of the card ), at least in the case of XXXX debit cards. As a result, the card value can be greatly reduced from the original value even before initial activation. 

The story : My kids received netspend debit cards from their grandparents for XXXX, each with {$75.00} on them. My parents thought they were giving the kids gift cards, not reloadable debit cards. Kids being kids, they forgot that they had them, and by the time we activated them 5 months later, they both were expired, and XXXX had a value of {$57.00}, while the other had a value of {$32.00}. In addition, a significant amount of personal information was needed ( social security number, address, etc ) to activate and use the cards. While the agent was able to arrange for the kids to have the remaining balances, l 'm extremely disappointed with the significant fees that were incurred before the cards were activated, and the difficulty in receiving back the cash originally put onto the cards. Basically XXXX received {$60.00}, 40 %!, of the money paid while providing absolutely no product or service ( other than a plastic card to be given as a gift. ) This just is n't right. I do n't know what to tell my kids about the gift they received from their grandparent - how do you explain to a XXXX that the bank took over half of their money? 

A cautionary tale to be told far and wide. It really is terrible to market these cards next to gift cards that have totally different rules so that someone mistakenly picks XXXX up to give as a gift, and for the receiver to be subject to unknowingly be subject to significant fees - I as a receiver did n't agree to these terms, yet I suffered the consequences. It really is n't right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have told this company before that I have no inquiries made since XXXX last year and this was when I purchased my home. I should have XXXX inquiries currently other than XXXX one time. I also show that there is an account that I am not even the account holder on that shows negative. I have told them before that it is not mine and they still leave this account on my 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 explanation
Consumer complaint received 09/13/2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I recently had contacted the FDIC and they had directed me to the XXXX. Back months ago I had noticed that there was money missing from my bank account. At least {$8000.00} dollars. I looked through all of the deposits and withdraws listed on my bank 's web site. I could not find any indications of money being withdrawn, transferred or otherwise. I called them a few times and requested printed out copies of all transactions. I looked through everything and could not find any amounts that would help pinpoint the missing money. I had spoken to several different people at the bank I deal with and they could not provide me with any answers. I had gotten to the point of a bit of frustration and had not called them in a few months. So basically I was getting nowhere with speaking to them on the phone. What it has seemed is that they can not offer help or assist me with remedying this ongoing 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 07-06-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted a demand letter to Experian on XXXX/XXXX/2016 along with proof from XXXX XXXX stating that there should be no late payments reporting. I receive a response from Experian dated XXXX/XXXX/2016 report number XXXX stating that they have previously processed the dispute. This is ridiculous! My scores are being affected negatively and I am getting no accurate response from the bureau. There should be NO LATE PAYMENTS reporting on my XXXX XXXX XXXX account. Correct this error 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 explanation
Consumer complaint received 09/29/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (KY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have been getting repeated calls from callers saying they are with Transworld Systems for YEARS. I used an app on my phone to block the calls, but I switched to a new phone and now they are coming in. Every day they call, 3-6 times per day. For years I never picked up because the calls were blocked by the app, but they would leave messages saying they were from Transworld Systems. 

I finally picked up this week. I told them that I did n't have any past due debt. They told me they were collecting for a debt owed to XXXX XXXX XXXX XXXX, but the person on the phone would not give me any more details about the debt. I checked my XXXX XXXX account and called them, and both online and on the phone they confirmed that my student loan debt was paid off years ago and there are no problems. I asked the person on the phone to stop calling and sent Transworld a cease and desist letter. I have of course never received any written information about the debt and they would n't give me any details on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I do not have a credit score. I purchased car in XXXX of 2015 and my credit report does n't reflect that either. I just want to know what is going on and what is the reason i do not have a credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Consumer Loan (Installment loan) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Problems when you are unable to pay

Complaint: Portfolio Recovery is calling my workplace and sending mail to my workplace and also emailing my boss about my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (ID).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: LVNV Funding who has their debt collection conducted by Resurgent Correspondence Has illegally re-aged the debt on this account. This account was first delinquent in 2009 and is due to come off credit report this year as it is past the 7 year mark.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with JPMORGAN CHASE & CO. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: so while i was in my last year of highschool a guy in my school asked me to use my chase bank account to purchase something but XXXX use his money so i trusted him with it and he committed a fraud in my chase bank account XXXX XXXX XXXX ). Now that im in the XXXX and i have a bank account with XXXX XXXX, XXXX XXXX has my bank account on restriction because of the fraud the guy did in my chase account. Ive called XXXX XXXX about it and they told me to contact EWS, ive done that and started an investigation. They sent all the information to chase about the investigation and chase has yet to reply to them. Ive contacted XXXX about it and they tell me to talk to XXXX XXXX, then XXXX XXXX tells me to talk to XXXX and XXXX tells me to talk to XXXX so basically theyre all giving me a runaround. I really need this situated because i need access to my money. You can contact me at XXXX XXXX XXXX XXXX but you can also email me ( which is the best way to contact me XXXX. My email is XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: Since  XXXX   XXXX  I have been disputing  XXXX  accounts on my credit report with a company called  XXXX   XXXX   XXXX . I sent a few letters to them previously asking them to validate the accounts that maintain under my social security number.  3 fail ed attempts and no contract was provided. I contacted the Credit Bureaus and the accounts was deleted, however after a recent update the accounts are back.  XXXX  account is now being reported again with a {$0.00} balance and the other  XXXX  has a {$120.00} balance and states account meets FCRA requirements if some new documentation was presented it was not provided to me. Also I reside in Maryland and Maryland law states that a debt buyer must be licensed. I checked my state websites for debt collectors and  XXXX  is listed as closed. My recent letters have been unanswered and the Credit Bureau is not assisting me at all.

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 01/26/2018 about Mortgage (FHA mortgage) with GUILD MORTGAGE COMPANY (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We opened escrow on our house on XX/XX/XXXX, 8 days in and Guild has not ordered an appraisal. 2 days ago we asked them to transfer our file to another lender who was giving us a way better interest rate and no junk fees. Still by end of business today they have not ordered an appraisal and/or transferred our file so our new lender can order the appraisal. They have wasted over half of our 17 day contingency window.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: In a matter of months, my FICO XXXX Score reported by Experian fell from XXXX down to XXXX. The only XXXX transactions in that time were paying off XXXX auto loans, replacing them with a single {$12000.00} loan on a new {$35000.00} car, and re-closing a XXXX Credit Card I had closed three years ago that XXXX left open. I have NEVER missed or been late on any payment in 50 years over XXXX of loans. I still have a no-limit XXXX XXXX card that I opened in XXXX that I pay off every month. I still have a XXXX XXXX I opened in XXXX. I have a $ XXXX mortgage on a $ XXXX house against a $ XXXX annual income. I have no other debt. I " joined '' Experian and received my Credit Report dated XXXX/XXXX/XXXX with nothing but Green on every single entry for XXXX loans listed that go back 44 years showing " Never Negative '', 11 years average account age and 44 years for the oldest account. I spent HOURS on the phone with Experian ( mostly on hold ), being bounced from department to department but NOBODY could explain why my Score crashed XXXX POINTS for no reason. I explained to several of XXXX agents that I am a XXXX year-old XXXX-out by the frustrating treatment to no avail. 
EXPERIAN 'S CREDIT REPORT # IS 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 05/25/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (OH).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Comenity Bank holds back payments for as much as 9 days before processing them. I had XXXX cards with them and the payments were always scheduled to go through on a specific date but they payment does not process until a week later. They claim its with my bank XXXX, but I also have XXXX XXXX cards and have never bounced a single payment with them. Comenity Bank has resulted in multiple bounce fees for the last year now.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: COLLECTOR IGNORED CEASE AND DESIST ORDER AND IS NOW SUBJECT TO A CLASS ACTION EFFORT. 

SEE ATTACHED

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I HAVE SEVERAL INQUIRES I HAVE NO KNOWLEDGE OF. I DONT HAVE A CLOSE OR OPEN ACCOUNT WITH THEM AND DID NOT REQUEST CREDIT FROM THEM. WHEN I CONTACTED EQUIFAX THEY DID NOTHING, TOLD ME THEY COULD NOT DISPUTE THEM. THEY DIRECTED ME THE CREDITOR AND I HAVE SENT THEM LETTERS WITH NO REPLIES BACK. NON OF THE CREDIT BUREAU CENTERS WANT TO HELP OR REVIEW. XXXX XXXX XX/XX/XXXX5 ANDXX/XX/XXXX  XX/XX/XXXX  XX/XX/XXXXXXXX XXXX, XXXX. XX/XX/XXXXXXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXXI XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXX    XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX CXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXL  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: For over one year I have had no access to my student loan account at Navient.com. I have reached out to Navient countless times. I was told that my social security number was associated with some one else 's name. I was referred to the fraud department at Navient. I was told by the fraud department that the problem was cleared up, and that I should be able to log on to my account, I could not.I called back a XXXX explained my problem, I was then told to mail a copy of my social security number to Navient.XXXX XXXX, XXXX XXXX, XXXX, XXXX. I sent the copy as requested, when I called back I was told that they never received the copy, I expressed my concern about my social security number being misplaced and mixed up. At that point I was instructed to fax a copy of my social security number. I did. I still have no access to my account. Against my better judgement, I paid my payments over the telephone using my debit card. I expressed my concern over this because of the way my social security number was handled. I have spent countless hours on hold, unable to get answers as to why my social security number was associated with someone else 's name, if it was resolved and how, if someone has access to my social security number, and what happens to the copy of my social security number. Further more, I am afraid of derogatory remarks on my credit report due to this situation. My credit is less than stellar, but I have been working very hard to improve it, with success.

Company response to consumer: Closed with explanation