milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Express Recovery Services, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Express Recovery is attempting to collect an erroneous debt from me & a new business I have that was not even in existence when this debt was incurred. My new XXXX XXXX XXXX XXXX XXXX has n't done any work/business yet nor do I even have a business licence. I opened this business a month ago and they are claiming I owe something from 2015!. It is absolutely erroneous and they are rude when I call and tell me it is being forwarded to their attorney for collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 10/23/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of Identity Theft. I was out with a few friends at the casino, and misplaced my purse. My card was not on the table where I was playing the slot machines, and when I went to go look in the reception, no one had claimed to return it. I have noticed a lot of items on my credit report are not mine and believe someone has access to my personal information and has been pretending to be me. Please investigate this matter right away. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: I opened a car loan with Wells Fargo bank on XX/XX/XXXX and it was paid of early on XX/XX/XXXX. Originally there wasa discrepancy of {$2.00} this was later corrected, but they reported my account XXXX, XXXX. XXXX days delinquent. I spoke to and wrote to the office of the president, and although they promised to assist me in resolving the problem, they did not communicate with me in writting. Because of the lack of response they continued to report me delinquent. There was another conversation where they indicated I was {$490.00} past due for a forved insurance, which I was paying on a monthly basis and I tought the balance and payments reflected this. I forwarded all of the documentation they requested, but never responded to it, I only had conversation with a supervisor but never received any correspondence from the. Later I found out that they charged of the account, even though I was working with them to correct it. Since the president of Wells Fargo had been terminated for fraud, I wrote to the XXXX of the board only received ackonowledgement he received it and that I would receive a letter within XXXX days this never happened, The have noe simply refused to work with me and do not return any phone calls, e-mail or correspondense.

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 08/15/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (AZ).
Issue: Application, originator, mortgage broker

Complaint: I contacted U.S. Bank the week of XX/XX/2016 to refinance a loan on a lot we have had with them for over 8 years. I had 2 months to do this since the loan was due to mature in full XX/XX/2016. The delays from U.S. Bank in returning my calls and my emails, delayed the process to the point that I am now in default on this loan. I am still in process of re-financing and U.S. Bank has now reported my payment as 30 days late when they wo n't even allow me to make a payment unless it is payment in full. I am in this situation due to the extensive delays in U.S. Bank 's response time to my numerous calls and emails. I started this in XX/XX/XXXX to avoid the exact situation I am now in and it took them until XX/XX/XXXX to submit my application. We have never missed a payment in 8 years and I have asked U.S. Bank to extend the default day from XX/XX/XXXX to XX/XX/XXXX and no one at U.S. Bank is willing to help. My loan officer simply said they can not help to extend the default date and gave me a general number to call. I have spent hours now on the phone with U.S. Bank trying to find someone to help me extend the default date just to XX/XX/XXXX and no one can or is willing to help. I am so frustrated as I was told to call U.S. Bank back about 2 months before the maturity date which I did, to start the process. I made it very clear to my loan officer I wanted to make sure this was complete before the maturity date and that I was concerned about getting it done in time. He assured me it would n't come to that but then they denied my re-finance application on XX/XX/XXXX! This now made it too late to get anything done before the default date of XX/XX/XXXX. No one at U.S. Bank seems to care except one Mortgage Supervisor in Minnesota who has spent time with me on the phone trying to help but does n't have the authority to extend the maturity date. I am still in process of re-financing this loan and have found a bank that is able to do so but U.S. Bank is still not willing to help in any way. I would like U.S. Bank to take the late payment off of my credit since this is due to their lack of responding to my many emails and calls that put us in this situation and I would like them to extend my default date to XX/XX/XXXX. They certainly are n't concerned about our situation or finding any other way to assist us. I am extremely disappointed in their customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On or about XXXX XXXX, 2016, our offices submitted a written request for Verification of Debt and Pay-Off Demand to XXXX XXXX XXXX XXXX, who is listed on the Recorded Creditor Judgement as the Plaintiff counsel for Asset Acceptance. On XXXX, 2016, we called the firm for status and left a voicemail ; no response.On XXXX XXXX, 2016, we called The XXXX Law Firm and spoke to XXXX XXXX who stated the account was closed for their efforts and they needed to contact Asset Acceptance for permission to collect or further instructions. On XXXX XXXX, 2016, we called back into The XXXX XXXX Firm for status ; no one was available so our offices left a detailed message for status and call back. Minutes later, XXXX from The XXXX XXXX firm called back with an update that our offices are to contact Asset Acceptance directly at XXXX. That same day, we called into Asset Acceptance and faxed over our third party authorization. On XXXX XXXX, 2016, our offices spoke to Asset Acceptance Rep XXXX who indicated the law firm, The XXXX Law Firm, has the assigned duty to collect and negotiate the debt. She indicated the response to our Verification and demand will have to be managed by the law firm and not their offices.On or about XXXX XXXX, 2016, our offices submitted a SECOND REQUEST for Verification of Debt and Pay-Off Demand. We called back into the The XXXX Law firm and left a detailed message for the Rep XXXX XXXX regarding Asset Acceptance stating their offices must handle. Received a return call from Rep XXXX XXXX and once more he referred this office back to Asset Acceptance. Advised him this office would not continue to be " ping-ponged '' back and forth by their office and Asset Acceptance as both have been put on constructive notice to produce the Verification of Debt and the Pay-Off Demand, it has been more than 30 days and neither parties have responded in writing and neither party has, amongst themselves, resolved the issue of handling the collection and/or negotiation of the debt. Our offices called back into The XXXX Law Firm again this morning ; no response or updates provided.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Bank of America is reporting information to XXXX that has enabled them to keep a negative account that should have been deleted in XXXX, active ... according to XXXX, until XXXX XXXX, 2017. I filed a dispute with XXXX stating that the account from BOA should have been deleted ion XXXX. They claim that information received from BOA during their investigation of my dispute causes them to keep the account open for 10 more years.
The account should be deleted immediately. If what XXXX is claiming is true, information that BOA supplied them is in error.

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 05-09-2017 about Debt collection (Credit card debt) with DISCOVER BANK (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent a dispute letter to  Discover Financial Services  on  XXXX / XXXX /  XXXX   via certified mail and was received on  XXXX / XXXX /  XXXX   at  XXXX  I never received any verification about the account after 31 days of no response to my dispute I contacted  XXXX ,  XXXX , and   XXXX    and only  XXXX  has deleted this account from my file please help to get the other  XXXX  to remove this unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Debt collection (Credit card) with TD BANK US HOLDING COMPANY (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Target national bank has enter an account that 's not mines for XXXX and it 's damaging my credit. I never had an account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2017 about Vehicle loan or lease (Lease) with VW Credit (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a lease through Volkswagen Credit, which was until recently on automatic payment. A few months ago I noticed Volkswagen charged nearly {$150.00} more than my typical payment. Volkswagen never communicated it would charge this additional amount, so this was a complete surprise. 

I contacted VW credit and did not hear back for several days. So, I disputed the portion that was above and beyond my usual payment with my bank. I again contacted VW in writing and did not hear back. 

My bank confirmed with me that they tried multiple times to contact VW credit to work things out, which is typical for a dispute case, but were unable to get a hold of anyone and eventually the dispute was authorized by default. 

The next month I receive a bill stating I was past due in the amount of the typical payment plus the mystery charge. VW credit had still not contacted me about this transaction despite repeated followup. Finally I get someone on the phone who explained what the extra charge was for ( a tax on leased vehicles specific to my city, which gets passed on to the consumer once per year ; she could n't tell me why I had n't received this extra charge in the 2 previous years of leasing the vehicle ). I tell her I will go ahead and pay the past due lease amount, since I did not dispute the charge to begin  with, and I will read the law regarding taxation on leased vehicles ( this is not typical in my state but unbeknownst to me at the time a handful of cities tax leased cars ). During this conversation the representative assured me that since I paid the " past due '' amount it would not show up on my credit report, and I have until the lease ends to pay the additional charge for the tax. 

After researching the surprise tax charge, I pay it within 30 days of the conversation and several months before the lease is set to end. A couple of months pass and I find out that despite paying the past due amount and the additional surprise charge, there is a derogatory mark on my credit report. I send a message to VW credit explaining the situation and letting them know that I was told very specifically that my credit would not be damaged by what happened. They reply, in so many words, that they do not plan to revoke the derogatory mark and they do n't care what their employee said. 

First the diesel scandal and now a confirmation that Volkswagen does n't care about their customers or doing what they say they 'll do. Stay away from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: As a XXXXNavient customer, I was advised to take out forbearance when I could n't make my student loan payments due to employment or hard times. I ran out of forbearance during the summer of 2014 due to this advice. When I began making student loan payments, Navient misallocated my payments and put them toward the interest instead of the principal and interest for my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIZENS FINANCIAL GROUP, INC. (IL).
Issue: Application, originator, mortgage broker

Complaint: I applied for mortgage modification in XX/XX/XXXX. I was current and have excellent credit. I provided all necessary requested documents by the end of XXXX. I was told that it will close by end of XXXX or by XXXX. I received approval and new payment amount starting in XX/XX/XXXX. My old payment amount on my mortgage is withdrawn automatically but i am getting delinquency letter. I have contacted them and they have not sent anything in writing but verbally said that i am not delinquent. I am told now that it will show on my credit as delinquency for a period of time. I was not told this at any point in the refi process. I am current and have paid. Tried to contact them several times and made call appt. but no response. Lack of response and my delinquency status is worrisome. I was decline HELOC refi from XXXX. My real estate tax was to be paid by CCO since it is escrowed in the new loan, it is not paid yet. Now it is XXXX and my mortgage refi is not complete or close yet. They have dragged this process long for no apparent reason. I have provided all required information right away. Signed and sent documents on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicer did not apply my payment in a timely manner and caused me to be delinquent per their records. My bank confirmed the draft check ( sent by my bank - see below ) was received by SLS on XXXX/XXXX/2016. SLS did not process the payment until XX/XX/XXXX - after the late fee cutoff. My scheduled payment of {$11000.00} was placed in suspense on XX/XX/XXXX and not applied. I was current on the account and have been for 10 years. My payment is still in suspense and I received a default notice today showing my un-applied funds and a late fee of {$560.00}. I called customer service and was passed to an executive queue, where SLS confirmed that their cashiering department put my payment into suspense and would open a research ticket!!!! I should call back in 2-3 days!!!! This is an issue that should have been resolved on the spot. I have been forced to send my payment via normal mail and am concerned that it will be processed in the same manner this month. This is poor customer service and appears to be a non-compliant process - not posting funds when a complete P & I payment is in hand. 

Note : SLS does n't accept borrower initiated ACH payments anymore - my banks, both XXXX XXXX XXXX and XXXX XXXX XXXX, both confirmed SLS will not accept electronic payments and instead the Banks have to cut a Draft Check for mailing to SLS. SLS offers ACH - only if you sign up for one account on a specific day so SLS can draft at their initiative. They offer XXXX XXXX for {$9.00} a payment after the XXXX of the month. These are not acceptable options in today 's world, not convenient for me and provides me no flexibility to pay ( 1 ) on any day prior to the end of the 15 day grace period from month to month, and ( 2 ) from any of my accounts from month to month. I was able to make my payments easily before XX/XX/XXXX - and now a business practice has caused a delinquency issue, all the while they had my funds

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 06/22/2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Transaction issue

Complaint: On XXXX XXXX, 2015, my commercial bank XXXX confirmed electronic payment to my Barclaycard MasterCard in the sum of {$10000.00}. It was, however, made to my former Barclaycard account. I spoke with Barclaycard ( some XXXX call center ) who claimed to have opened a " case '' on the matter but have not heard anything despite the fact that my XXXX banker also confirmed the payment with Barclaycard directly. Essentially, we have a missing {$10000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This collection agency is re-aging old debt and reporting incorrect date of first delinquency. 
I am XXXX and this inaccuracy is causing unnecessary stress. I have disputed with all XXXX Collection Agencies, FCO continues to verify thier information as 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 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see I 'm amazed that this behavior is tolerated and shunted aside. Someone needs to seriously look into this. Please see enclosed documents that were provided initially ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT XXXX XXXX XXXX XXXX US XXXX XXXX XXXX XXXX DEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT XXXX XXXX XXXX DEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$63.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$170.00} XXXX CITY OF XXXX XXXX XXXX/XXXX/XXXX {$200.00} XXXX XXXX XXXX XXXX/XXXX/XXXX {$100.00}

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 08/17/2015 about Mortgage (FHA mortgage) with Seterus, Inc. (WI).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus is the loan servicing company for our mortgage. I understand they could not send up monthly mortgage statements during the time we were in Chapter XXXX. Which XXXX because we made all payments for 5 years during that period and have no proof they were received or applied to our mortgage. Since being out of Chapter XXXX we have requested multiple times to have statements sent and was told that they do not send statements it is only a courtesy for them to send them out. They do not have to send them is what I have been told. they have also added additional fees to the monthly payment for something that has never been disclosed to us. if the terms of the loan are adjusted should all parties be notified of the reasoning???? We do not know if over {$60000.00} in mortgage payments have went to anything anywhere because Seterus refuses to send out mortgage statements. Also seterus forced us to pay for additional home owners insurance during those 5 years. every time they requested a copy of our home owners insurance i faxed it to them promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (KS).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Last month, I had informed them that their billing procedures violate the Federal CARD Act, to which they replied that they are following all procedures and they credited my account for the overcharged interest. This was fine. 

Now, I 'm guessing in retaliation, they added nearly {$1000.00} in " purchases '' at an extremely high APR, while I made less than {$100.00} in purchases. 

On top of that, they used nearly everything I paid was allocated to the lowest APR on the card, while barely touching any of the higher APR, and not a single penny towards the highest APR, which is a complete and direct violation of XXXX : Allocation of Payments, exactly what I had informed them of previously. 

I have communicated this with them yet again that they are blatantly disregarding the CARD Act that was implemented on X/XX/2010 and gave precise examples, but this time I was ignored. I 'm sure I am not the only one they are taking advantage of, but I 'm not going to sit there and continue to pay them for breaking the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX can get away with identity theft to alter documents and sell that loan with the altered documents

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