milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-08-2016 about Student loan (Non-federal student loan) with DISCOVER BANK (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Discover Student Loans, is yet again not processing payment of money order sent in. Friday XXXX XXXX XXXX I mailed out payments of XXXX money orders. XXXX for loan XXXX and XXXX for loan XXXX. That is now 3 WEEKS ago. Loan XXXX is NOT processed still. And now they are claiming I am late on payment. I fought this exact issue on XXXX of these XXXX discharged loans XX/XX/XXXX. 
I can not online view these loans balances. 
I can not give them payment in ANY form online. 
I get no mailed invoice, balance, statement or mailing adress monthly or every on loan XXXX and XXXX. 

I pay more then the minimal every month since XXXX XXXX. Once again, and again not first time on this happening 3 weeks in XXXX gets processed Loan XXXX this week ... ..two weeks later so much for 7 to 10 days, 2 weeks for XXXX and 3 weeks for loan XXXX not processed yet. Yet I will be told I am late on the payment and be penalized and magically the only time I will hear from Discover Student loans on these account sub loans XXXX and XXXX. I dont even know what I owe I have no means of viewing the balance!

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: To whom it may concern : I have recently pulled my TRANSUNION and XXXX credit report and noticed accounts that have been investigated by another credit bureau are still being reported by XXXX AND TRANSUNION. Attached to this letter is proof that these accounts were deleted due to inaccuracies. Please follow suit and delete these accounts for accurate reporting. XXXX has removed all accounts associated with : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PURSUANT TO THE FAIR CREDIT REPORTING ACT, I EXPECT YOU TO REMOVE THESE ITEMS FROM MY REPORT WITHIN 30 DAYS. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated 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 12/15/2017 about Debt collection (Other debt) with ARC Management Group, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: There is a collection listed which is outdated, false and not verifiable which is ARC for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Dear Madam or Sir, this is a complaint in regard to the XXXX companies providing credit reports/scores. 

www.annualcreditreport.comStatement says right under website headline : " The only source for your free credit reports. Authorized by Federal Law. " Complaint 1 in regard to advertising on the website : Annual Credit Report is not the only source for a free credit report. Instead and like other companies, they provide the free credit report BUT charge the consumer additional money to see their credit score. There is no difference in regard to other companies providing this service. 
Complaint 2 : Annual Credit Report claims to be authorized by Federal Law. There is no signed authorization by Federal Law that those XXXX companies can stand behind annualcreditreport.com as a monopoly. In addition, the foregoing and behavior is very much consumer unfriendly. 
Complaint 3 : the credit report companies disclose different credit scores to consumers working with annualcreditreport.com than to lenders ( for example banks ), without notable or reasonable explanation to consumers. Usually the credit scores provides to lenders are lower than credit scores provided to consumers. Just to give you an example on how consumers feel in regard to the differences between consumer credit reports and credit reports disclosed to lenders ( feel free to check out the comments when scrolling down ) : XXXX comment-XXXXAll the Best, XXXX XXXXPS : not sure if the above short notes make any impact, but I think that I am not the only one who thinks that there is something MAJORLY wrong and needs adjustment on FEDERAL BASIS. Worth fighting for. 
Desired : - no credit score monopoly- absolutely NO credit score differences between credit scores information disclosed to and paid for by consumers, and credit scores disclosed to lenders.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit card () with CITIBANK, N.A. (MD).
Issue: Payoff process

Complaint: On XX/XX/XXXX I received a letter from XXXX, Client Liaison from Citibank. He called me in XX/XX/XXXX asking me questions re : the closed checking account plus ending in XXXX.The payments to this account with the account number written on them were applied to the closed credit card account. He was interrogating me asking redundant questions saying the accounts were separate and why did I collapse both accounts in my complaint. Yet he " never '' addressed my question as to how the checking account payments were applied to the credit card. 

In his letter XXXX reiterated a statement by another client lisison a XXXX, " the account number written in the memo field is not bank information that we use to apply payment and it 's only purpose is that of a " memo '' for the clients use ''. This statement is insane! As all of us are aware consumers either have a carbon copy of the written check or a check register to record who the check was written to. 

I have attached a XX/XX/XXXX letter from Citi disputing XXXX and XXXX ludicrous statement. As I stated previously Citi is retaliating against me for involving my former Congressmen 's office ( now Senator ) to help me.

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 06-03-2017 about Checking or savings account (CD (Certificate of Deposit)) with CITIZENS FINANCIAL GROUP, INC. ().
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I need your help in a resolution to my problem w ith RBS Citizens  Bank referring to my 60 months automatically renewable term deposit account, which was matured on  XX/XX/XXXX .  <P/> I have tried numerous times over the years contacting  Citizens  Bank to allocate where the money {$7800.00 } (  as of XX/XX/XXXX   )  has gone to, but to no avail.  <P/> I have received a RBS notification dated  XX/XX/XXXX , stated that the named account was inactive and needed to be reactivated by my signed confirmation of the account by  XX/XX/XXXX , which I signed and express posted the confirmation letter to  Citizen  bank on XX/XX/XXXX   <P/> From  XX/XX/XXXX , I have contacted Citizens Bank no less than 7 times in writing to request update on status of the account and asked advice, and got no reply at all.  <P/> called  XXXX   Citizens Ban k on  XX/XX/XXXX  and received no helpful assistances : The first call, a person named  XXXX  hung up on me after I stated my case and requested account information ; and the second call a person named  XXXX  could not find this account and also hung up on me.  <P/> checked on Massachusetts State Treasury Lost Money website every month and can not find my name on the list of accounts. This CD was originally opened more than 30 years ago, with a bank ( to  XXXX   XXXX , now  Citizens Bank ) l ocated in  XXXX   XXXX ,  XXXX  Massachusetts.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: This is my 4th complaint about OCWEN mortgage. I figure on the 3rd compliant with your company this would finally resolved the issues. They have decided to raise my escrow account again when my property taxes is less than XXXX a year but want to charge me XXXX a month in escrow for taxes. They was over charging me for years and sent me a refund check for over XXXX in XXXX for their mistakes and now they are starting it over again. My mortgage per the paperwork they sent me was to be XXXX a month but I been paying XXXX. Well last month they raise my mortgage to XXXX which is incorrect and I paid my regular amount of XXXX and now they are showing me late. 
I am at my wits end with this company. I barely understand the representative when I called in due to they are based in another country. They do n't want to assist you just want to make you pay the wrong amount. My bankruptcy is about to be over this month and I feel again they are trying to make me lose my house. I do n't know what to do anymore with this company. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A report on Transunion shows that I owe money to XXXX XXXX. I have never had a vehicle towed so this is not my bill. I tried to file a complaint on Transunion but their complaint website was n't working. There is a collection agency trying to collect : XXXX XXXX XXXX for {$3000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: This is the follow up from the companies response not providing validation about an account they continue to report. For this company to report the information and not be able to validate the account per the FCRA they should not be reporting anything. The letter they send actually indicated that they did not have proof of the account in question. They did however send a contract on another account that was in question.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Medical debt) with Compass Recovery Group, LLC (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Company has been calling my personal cell and work number multiple times a day. I submitted a complaint in XX/XX/2016for harassing calls and rude/threatening behavior from one of the female callers. I verbally notified them to stop calling ; however, I am receiving harassing calls once again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was approved for Federal Mortgage assistance through Keep Your Home California. My loan servicer offered a loan modification but refused to accept the federal assistance funds. By declining the federal funds Wells Fargo Home Mortgage is rolling my delinquent balance back into principal and resetting my repayment at 360 months which ultimately makes a greater profit for the investor over the long term at my expense, in this case about {$80000.00} in additional interest. Wells Fargo Home Mortgage accepted a XXXX dollar bailout package from taxpayers, I find it completely unbelievable that they can decline accepting funds from a federal program that was created to help individuals in distress ... Especially those of use who are XXXX XXXX veterans from recent XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (I do not know) with RSB Equity Group, LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Constantly Called my place of employment and left a threatening message on work phone. Very vague and just stating " It would behoove you to call me back at XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Debt collection (I do not know) with U.S. BANCORP (MI).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: ELAN SHOWS UP O  N MY CREDIT REPORT.
THIS IS NOT MY ACCOUNT!     SEEMS TO BE FRAUD.

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 07-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: [ Case number : XXXX ], [ Case number : XXXX ] I am still receiving notices in wrong name this one with an extended alert for 7 years. I did not ask for that, I also received it on a post card vs in a letter which is unusual for a credit report co.

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 10/26/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a home XX/XX/XXXX and took out a mortgage with a 30 year term from Wells Fargo to finance this purchase. I refinanced with another lender in XX/XX/XXXX. I recently received a refund from my Wells Fargo Escrow account in the amount of {$150.00}. I believe I am due much more than this amount as explained below. 

Wells Fargo collected a total of {$5800.00} from me to cover my escrow account expenses. 
Below is a list of the dates and amounts of each escrow payment I made to Wells Fargo. 
XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXXWells Fargo escrow payments on my behalf XXXX {$1400.00} - XXXX and XXXX {$1400.00} XXXX XXXX Tax XXXX {$1100.00} - XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX and HomeThe payment of {$1400.00} to XXXX XXXX on XX/XX/XXXX should not have been made. I switched insurance carriers from XXXX XXXX to XXXX XXXX XX/XX/XXXX and notified Wells Fargo of that. Wells Fargo paid my XXXX XXXX premium of {$1100.00} on XX/XX/XXXX but also paid XXXX XXXX {$1400.00} six days later and apparently expects me to cover this payment. Total legitimate Wells Fargo expenses were {$4000.00}. My escrow overpayment was {$1800.00} which I 'm requesting Wells Fargo refund to me. 

When I refinanced the mortgage XX/XX/XXXX the total loan amount I owed to Wells Fargo was {$110000.00}. The payoff total they supplied to my new mortgage company was {$120000.00}. This resulted in an over payment of {$1200.00} to Wells Fargo which I 'm requesting Wells Fargo refund to me. 

The total amount due me is {$1800.00} Escrow Payments {$1200.00} Final loan payout $ XXXX {$150.00} = {$2900.00}. 

I 've attached the following:1. My XX/XX/XXXX mortgage statement from Wells Fargo showing the remaining amount due of {$110000.00}. My HUD Settlement statement showing a payment of {$120000.00} to Wells Fargo. 
3. A Wells Fargo Account Activity statement detailing the same payment. 
4. The Final escrow account disclosure from Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (I do not know) with Professional Finance Company, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: PROFESSIONAL FINANCE C Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
i have no clue what the XXXX this is i know i didnt make this i dont care what the comapny states they have to prove its really me not anyone can use my info online anymore i pay with cash this dont tell me what is is im supose o owe im not paying for this when i didnt make this no letters came in the mail saying i did nothing at all

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Personal lien just showed up on my credit report, about a month after it was completely paid off. The credit report does not show its status at all, implying it is still active, and it should appear in some sort of closed/fulfilled state. I tried to report the problem to XXXX, which provided the credit report to XXXX, where I saw it. Their webpage did n't load anything at all, just had " Please wait for page to load '' in the header. [ https : //www.ai.equifax.com/ ] I tried to call them at the number given at the bottom of the report I saw [ also contained with the Vermont Consumer Notification ], and there was no way to talk to someone about this there.

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 10/17/2017 about Debt collection (I do not know) with Prosper Marketplace, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My loan XXXX was settled in full on XXXX/XXXX/XXXX and is still showing on my credit report as due. This needs to show either paid in full or settled in full to resolve this on my credit reports. Can someone go into XXXX and post this to the XXXX 's?

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: I would like Scottrade and Scottrade Bank to review their security policies and provide clarification on the following issues:1. ) Scottrade and Scottrade Bank claims in their Online Security Guarantee that Scottrade and Scottrade Bank have the right to review a computer in the event of an account takeover event, in what cirumstances will Scottrade and Scottrade Bank utilize this and how long does Scottrade and Scottrade Bank typically hold the compute for. 
2. ) Has Scottrade and Scottrade Bank fully vetted and confirmed the fidelity of information and services provided by XXXX. I would assume since XXXX is being investigated for a criminal matter that Scottrade and Scottrade Bank at least reviewed their use of XXXX as a third party service provider. 
3. ) How often and on what dates have Scottrade and Scottrade Bank updated their online Security Guarantee. 
4. ) Does Scottrade have any plans to implement two factor authentication? 
5. ) Review attached.

Company response to consumer: Closed
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Last year, I found out that XXXX was reporting a collection on my credit report for an account that was opened in XX/XX/XXXX and closed in XX/XX/XXXX. I called them and their fraud department and they advised me that they did not show any accounts under my name that were in collections or delinquent as I currently have XXXX XXXX and residential services. I disputed this with XXXX XXXX and it is still showing on my credit report and does not provide any information as to an account, amount owed, etc. It simply states paid and closed via consumer 's request. This is all inaccurate. I have been living at my current address since XX/XX/XXXX and have had no issues with XXXX besides this. XXXX XXXX XXXX address is XXXX XXXX XXXX, XXXX MD 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 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with World Omni Financial Corp. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are Hard Inquiries that on my Credit Report that I don't recognize

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Other

Complaint: I called XXXX in XXXX XXXX to have my credit limit capped at {$2500.00}. The representative told me this was done and the most that could be charged on the card is {$2500.00}. The limit however was never changed and remained {$10000.00}. My son was an authorized user and charged {$10000.00} on this card. I called XXXX several times as they record all the conversations with representatives. I spoke with XXXX supervisors and a team leader and no one got back to me about the telephone conversation in XXXX All this is noted on my account in their system. I am not disputing the charges, although this would never have happened if they did as I instructed. XXXX supervisor, XXXX who is located in XXXX, said she would listen to the tape and get back to me. she never did. I called two more times and no one would tell me what I was when I called back in XXXX XXXX. I am seeking a reimbursement of interest charges totaling {$1000.00}. All the interest that was charged after I called them to reduce the credit limit. I closed the account by paying off the balance of approx. {$9800.00} on XXXX/XXXX/XXXX conf XXXX to stop the interest from accruing.

Company response to consumer: Closed with explanation