milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/22/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CT).
Issue: Loan modification,collection,foreclosure

Complaint: Hi, my report says I was late on mortgage for many months, the truth is I was going through a harp process and I made all payments as required under the terms of harp. I was approved for program and made all payments to them, Wells Fargo/asc did not talk to each other during process but that 's not my fault, I swear I made payments on time, or else I would n't of gotten approved for harp. Wich I did!!!!!! do someone over there is not doing there job correctly and does n't care about my credit which I 've been doing much better on thanks to XXXX. Thank you. There 's XXXX more problems on report, thank you and I look forward to your response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Mortgage (FHA mortgage) with FIRST MORTGAGE CORPORATION (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I called my mortgage company to make my regular monthly payment they advised me that there were late fees on the account I advise them I was unable to pay any at this time I needed to make my regular monthly mortgage payment they started arguing with me that I needed to start paying my late fees right away and since I was refusing to set up the late charges they were n't going to take my paymentthe representative said let me get you over to my manager since your not wanting to address for paying your late fees. I advise the representative that I am one person supporting XXXX people and that it would be nice if when I call to make my mortgage payment they do n't give me such a hard About late fees I will pay the when I can and today I was unable. the rep made sure to advise me that if I did not pay the late charges that they would refuse the payment and not allow me to make my mortgage Payment. with FHA loans at day XXXX the investor locks out accounts until the total amount due is paid the rep advised me that their own policy was once you go over XXXX in late fees I have to pay them or they would refuse my payment so XXXX mortg corp would put XXXX people out on the street for {$250.00} dollars? That sounds and is absolutely absurd what is XXXX dollars over 30 years? I 'm paying before the end of the month each month because that 's how I get paid not because I 'm a deadbeat or want to encure late fees. Every time i call this company its a fight to pay my mortgage. It should n't be.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: I have been trying to get this resolved for some time now. I did file a previous compliant and what XXXX sent back contradicts information I have and have attached. 

They indicated the account was sent to an outside collection agency which supposedly was paid and then they received the money. Their correspondence stated the account was charged off XX/XX/XXXX and was sent to an outside collection agency for {$2800.00} which brought the account to zero. It indicates the account was paid in full on XX/XX/XXXX after they received the payment from the collection agency for {$2800.00} which brought the account to XXXX. 

1st I paid it directly to XXXX please see the attached email from XXXX XXXX. It was paid to them XX/XX/XXXX 2nd If the had charged off the account in XX/XX/XXXX and sent it to a collection agency then it would have been the collection agency 's account and they would have been reporting the account 3rd I  asked for a payment history not a typed letter from the company that they can put whatever dates they feel are accurate without proof. 

4th They put a link to get a copy of a generic agreement that does n't have my signature on it. There were 2 types of contacts and without providing the copy that I signed this would indicate they do n't have record of it.

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 01-06-2017 about Credit card () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Credit card protection / Debt protection

Complaint: XXXXXXXXXXXX is my email XXXX XXXX is my name TU took money off my card and I do n't know anything about it and I need help with this

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 10-11-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient took over servicing my student loans and did not notify me at all in reference to my account being transferred to their office. As a result I was hit with late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX. The reason why there is a break in the payments having been late is because I had enrolled in college which automatically placed my outstanding loans in deferment. When I finally realized that Navient had taken possession of my student loans I called and placed them in deferment/forbearance and have been in good standing since and Navient refuses to remove this negative reporting that only occurred due to their failure to notify me of them now servicing my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed this a couple of items back in XXXX and transunion said they will not report XXXX on my credit report. They did not do what they said they would do. 
My cash number with you all 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 non-monetary relief
Consumer complaint received 08/31/2017 about Vehicle loan or lease (Loan) with PRESTIGE FINANCIAL SERVICES INC (TX).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: On or about, Thursday, XXXX XXXX, 2017, Prestige Financial Services, called and harassed me about making a payment on my car loan. I have spoken with them on numerous occasions about making a payment, and they have continued to harass me. I am certainly feeling the effects of the XXXX XXXX. I am also dealing with issues with my house. I understand where they are coming from, however harassing me is not the correct way to address the issue. I have never missed a payment and if there has ever been an issue, I have remained in contact with them to let them know that I needed an extension or some additional time. This is also not the first time they have called and harassed me about the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CO).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On XXXX/XXXX/XXXX at XXXX XXXX XXXX XXXX time, I received a phone call from XXXX on my cell phone. The automated message indicated that they have attempted several times to contact me regarding my credit card account, and they have exhausted options in order to reach me on how XXXX XXXX can help me lower my credit card interest rate. The automated message only indicated it was from " XXXX XXXX '' and was deceptive to make me believe something was wrong with my credit card account. I hung up and called the XXXX number back, and it was from XXXX XXXX XXXX XXXX XXXX. I attempted to bypass the automated options, in order to talk to a customer service representative, as I was concerned I may have a credit card opened unknown to me. I could not bypass the automated options, and instead conducted a XXXX search on XXXX XXXX XXXX XXXX XXXX XXXX and determined this was a CITI Credit Card Product. I conducted CITI directly at XXXX at XXXX XXXX XXXX XXXX time to complain about the unsolicited and deceptive automated message with the customer representative. The customer representative took my complaint and apologized. I wanted to share my complaint, as the automated message that called me originally was very deceptive at making me feel like I had an account issue, rather than marketing it as an option for lowering your credit card rate. In addition, I do not own or have a XXXX XXXX XXXX XXXX XXXX in my possession, nor have I ever had XXXX issued to me by Citi. I feel this was an unsolicited marketing activity, that should not have been provided to me since I am on the DO NOT CALL LIST. Thank you.

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 07-07-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (GA).
Issue: Managing the loan or lease

Complaint: I have had a car loan through Ally Financial Inc. for three years. I have had many issue 's with this company starting soon after. There have been a total of at least XXXX checks that have been " lost '' by this company. Forcing me to reissue the check. The call center for this company is located off-shore. The individuals working in the call center do not speak clear, concise English. They are unable or unwilling to help. Though they have no trouble in using many different bully tactics to intimidate and threaten. I have received up to 10 calls in a day. These calls are robo-dialed, when I answer the phone, I have had to hold on for up to 3-5 minutes to waiting on XXXX of these individuals to come onto the phone. The calls can come every 15 minutes, or every two hours. This company states they may record calls for quality assurance and/or training purposes. However, if told that they are being recorded, they state that they can NOT be recorded. I attempted to be nice in the beginning. I have now become just as rude and mean to these individuals in the same manner as they are to me over the phone. Ally encourages and condones the questionable business tactics used by these call centers. The one time that I did speak to an individual who was located in Texas. I was called " racist '' for having the utter audacity to complain about the inability of the off-shore call center to speak clearly and their inability to answer the most simple of questions. Now, for the first time, my loan has went past the 30 days, due to the fact, yet another payment has been lost, not received or not posted in a timely manner. Which adds another late fee, in addition to being reported to the credit bureau ( s ). I have resorted to sending payment with a delivery confirmation, which is an additional expense of XXXX-XXXX dollars, when I am able to. It is my firm believe that this company is conveniently loosing my payment in retaliation for my not quietly accepting the treatment by the associates, agents, employee and/or representatives of this company. The bully tactics, harassment, intimidation and threats, which are both express and implied, are going to have to stop. If this company expects respect then they need to show a little respect. The added stress that is directly related to Ally and their less than professional business tactics have started to affect my health. I would like for an investigation to be conducted concerning this business. This business needs to supply the requested documentation. I do not believe that a company can loose XXXX or more payments in three years. The bullying and revenge/retaliation tactics need to stop. I am considering bringing a legal suit against this company and will include the mental and emotional distress caused by this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I disputed these unauthorized inquiries on my report with each credit bureau. 

XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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 12/19/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I used my USAA account both checking and savings cards to withdraw money at XXXX XXXX Bank. I was able to withdraw {$600.00} from my checking account. I attempted to withdraw XXXX from savings using a separate card from USAA at the same XXXX atm minutes apart. I could hear the ATM machine counting the cash for the savings withdrawal, the ATM never dispensed the cash from the savings. The ATM machine screen said oops we 've experienced technical difficulties unable 2 complete your transaction. Nonetheless {$500.00} was debited from my savings account that I never received. I filed a complaint with USAA and they said XXXX looked at the video and I took cash. I never received cash from the savings withdrawal. There should have been two desperate withdrawals of cash not one. I feel I have been robbed {$500.00}. Neither USAA or XXXX will help me. I 've been robbed of {$500.00}. All they have to do is look at the video and see I only took cash from my first withdrawl from my checking account. No money was dispensed from the savings account which used a separate card from the checking. {$500.00} disappeared electronically Into Thin Air. Please help me deal with these banking corporations who have robbed from me and refused to look into the problem and correct it. USAA says it 's XXXX XXXX problem and XXXX XXXX says it 's USAA. Again please help they robbed me at Christmas time and I do n't know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Debt collection (Auto) with World Omni Financial Corp. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Starting XXXX XXXX, XXXX and continuing through today XXXX XXXX, XXXX Southeastern Toyota Finance calls my home line a minimum of 2 times a day regarding a payment arrangement I made on a voluntary repossession of a XXXX XXXX XXXX. The payment is due on the XXXX of every month ( {$150.00} ). I have not even been late. Today the reason for the calls " Is to see if anything has changed '', according to XXXX XXXX with XXXX ( XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am currently XXXX XXXX military XXXX oversea in a XXXX/XXXX XXXX   area. I submitted before XXXX all my information and during my XXXX XXXX add to my credit report all 21 of my student loans was 90 days late and damaged my credit. I submit 3 times for them to reconsider because I was in a XXXX/XXXX XXXX area. I provided the information to them and still nothing has happen with my complaint to them. I have attached the application and letter from my commanding XXXX station my location and area operation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I was given incorrect information by Fifth Third Bank 's Homeowners Assistance Specialist, XXXX XXXX. I advised XXXX on XXXX/XXXX/15 that I secured employment and would start working after the first of the year. He advised me to reapply for Hardship assistance after I had 30 days of year to date income at my new job. Proof of XXXX ( fore mentioned ) instruction has been attached for review. I mailed the application back after having 23 days of year to date income. I received a letter from Fifth Third Bank informing me that due to the pending foreclosure sale date, there was not sufficient time to review my hardship application. I had been unaware of the foreclosure prior to receiving the letter. Unfortunately following XXXX direction in waiting to reapply for assistance resulted in the foreclosure of my home. 
Fifth Third later advised that my account was approved to pursue foreclosure on XXXX/XXXX/15 ; however, after communicating with XXXX several time via phone and email between XXXX/XXXX/15 through XXXX/XXXX/15 ; he failed to inform me of the foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have reviewed my Credit report and found several account unrecognized items from your officeXXXX XXXX XXXX # XXXX, # XXXX. I do n't remember doing any business or having having a contract for services. Please forward me proof of contract or my signature etc.

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 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I 've disputed a XXXX XXXX account with XXXX and Experian multiple times without any results except that they keep verifying that the inaccurate information is correct. I opened a XXXX XXXX XXXX Account with XXXX XXXX XXXX. This account was charged off ; however, XXXX XXXX purchased XXXX XXXX XXXX XXXX. This change occurred back in 2012 ; however, XXXX continues to list XXXX XXXX XXXX XXXX as the original creditor. Once XXXX XXXX took over the accounts all accounts were closed and listed as XXXX account. This account was listed as XXXX when charged off and this is how it should be properly listed on my account. I have disputed this with XXXX XXXX and XXXX and Experian. XXXX and Experian continues to verify inaccurate information. I would like to see how this information is being validated for a company that did not charge off this account.

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 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On my experian credit report there are XXXX accounts with XXXX XXXX under XXXX different agencies. XXXX agency is XXXX XXXX with XXXX XXXX for XXXX and the second creditor XXXX XXXX for XXXX. These XXXX creditors are reporting the same account with XXXX XXXX. According to my credit report it was supposed to have been removed on XXXX XXXX. Now it 's reported on my experian report twice. It 's also on my XXXX report under XXXX XXXX for XXXX and XXXX report under XXXX XXXX for XXXX. This account was supposed to had been removed and now keeps appearing.

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 09-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Payment XXXX. Deferred XXXX. Missed XXXX due to issues. Between my phone and spouse, they call XXXX times a day. Even once or twice when we were two days past due date, they start their XXXX phonr calls a day. They have been asked not to call XXXX phone during working hours and still do. They called work phone once or twice after asked not to. 

On XXXX phone alone, XXXX phone calls since XXXX XXXX, 2015. Saved for proof

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (GA).
Issue: Other transaction problem

Complaint: My employer transferred/distributed my pay o n    XXXX   XXXX  2017    to  JPMorgan Chase. JPMC d id not deposit the funds into my account. I have called repeatedly to get the matter resolved, and have been hung up on, transferred to departments that can not resolve the issue and generally not helped. I am a single mother ; this is my paycheck. Why is JPMorgan choosing to not assist me? Does n't it matter to them?

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/20/2016 about Credit reporting () with Credit Karma, Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I tried looking up my credit on creditkarma and could not get it to work until I tried using my father 's name with my social security number and it worked. I need to get my father 's name off of my credit report and social security number.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMW Financial Services NA, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: paid my loan in full on  XXXX / XXXX / 2017  and is still reporting as an open account affecting me getting approved for a mortgage . Bmw financial services said there is nothing they can do I have filed a dispute with  XXXX  and they said BMW i s not responding. although the account has been paid it is still reflecting on my credit file as open.

Company response to consumer: Closed with explanation