milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-04-2017 about Payday loan, title loan, or personal loan (Installment loan) with Lionstone Holdings Group (NV).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: ok i have  2 p ages of payday installment loans taken out in my name and never took out law suit in my name oney stollen my ssn  XXXX  help me they are trying to kill me

Company response to consumer: Untimely response
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (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: Chase Card ( s ). Sent disputes beginning XX/XX/17. Filed disputes requesting creditor to remove negative items if not reported to the credit reporting agencies in compliance with FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My student loans are serviced by XXXX. In XXXX, I spoke to a XXXX representative over the phone and gave him my bank account number and routing number to make a payment for XXXX months. In XXXX, I was contacted by XXXX XXXX XXXX and informed that my account was more than XXXX days delinquent. I was then transferred to a XXXX XXXX who set up auto pay for me and opined that perhaps the XXXX representative who took my information down did so incorrectly, and that my bank rejected the payment. This XXXX updated my records and brought my account current. I assumed all was well until I received a credit alert that XXXX had reported XXXX accounts XXXX days delinquent, crushing my XXXX XXXX. 
XXXX tells me that it sent me XXXX letters informing me that my bank had rejected the payment and that I was behind in my payments. I received no such letters. There were subsequent phone calls from XXXX that I did not receive, but it is not uncommon for their representatives XXXX or their automatic dialing service XXXX to call me even after a payment has been made. I had no reason to believe I was delinquent, as I made a good-faith effort to pay my loans in XXXX. 
XXXX informed me that it will not remove the delinquent reports from my credit report because it has investigated and has found that the error causing the confusion with my bank was mine. I have asked for evidence, but XXXX will not provide it. All XXXX needs to do to make this right is remove the negative information from 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 01-09-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My complaint is about XXXX XXXX collecting for XXXX XXXX on a XXXX credit card. 

During a period of financial difficulties, I got behind on my small debt with XXXX through XXXX XXXX. They have since started charging me a huge fee each month such that I will have difficulty ever bringing this account current even though I make a payment each month. 

XXXX XXXX calls me almost every day up to sometimes 8-10 times, including on Sundays. 

I have tried to make settlement with them but since most of their people do n't speak plain English it is impossible to deal with them. Even if you call XXXX XXXX itself, you still get connected with someone who does not speak clear English. 

If they want to call one time per day I can accept that but I am sick of the Sunday calls. 

This company should be shut down for its many violations of the federal debt collection laws. 

They call me both at work and on my personal cell phone.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax is hacked, but at the same time said my info " might have been '' hacked. They should either give me an 100 % sure answer, or not to give me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Medical debt) with National Processing Group LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On several different occasions an unknown caller has called and said consider yourself served. Left a number and with case number to call. When I called that number XXXX the gentleman told me that I owe a hospital debt and that I have been served? I have never been served and he stated just because I watch law and order does n't mean XXXX. I explained to him that my medical bills have been paid and that I just paid over 3,000. for XX/XX/XXXX and he stated that I owe {$900.00} from XX/XX/XXXX. I said that I would need to review that bill please send it to me. There is nothing on my credit report otherwise. He said that you can not deny you were at the hospital and you need to just pay it now or we will sue. Please have them stop harassing me

Company response to consumer: Untimely response
Consumer complaint received 09-08-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: While processing my XXXX re-certification for income-driven payments, FedLoan Servicing improperly capitalized nearly {$50000.00} of interest on my student loans. 

I submitted my annual re-certification application on XXXX XXXX, XXXX, and when FedLoan was not acting on it, again on XXXX XXXX, XXXX -- one application requesting to continue the same IBR plan and the other requesting the lowest payment option. I then received notice that my loans were placed on the standard repayment plan and, corresponding to that, a bill for thousands of dollars. After a series of phone calls and correspondence trying to figure out what was going on and none of the representatives understanding the issue either, my accounts were placed on some kind of administrative forbearance ( and this has happened in previous years, as FedLoan has routinely botched my annual re-certification process ). Later, I found out that because of that forbearance, almost {$50000.00} was capitalized on my loans.
After a number of inquiries and demands for reversal or explanation, I received an email from FedLoan on XXXX XXXX, XXXX, acknowledging that " ... a review of your interest capitalization has been submitted on your account. Please allow up to 7-10 business days for processing. '' That was 7 months ago and I have not heard anything since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (DE).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a TD premier checking account back in XX/XX/2017. I completed all the required actions for qualifying the account opening bonus ( {$300.00} ) as required on time, but have not received the bonus since then. 

Over the course of past one year, I have done everything I could possibly do to resolve the issue with the TD bank. I contacted either the branch, TD phone agent, or online secured message center almost every week. However, till today, I have not received my deserved bonus ( {$300.00} ) yet. TD has been forever kicking me back and forth even though they know the issue but just don't want to face and fix it. As a single customer, I feel so helpless and hopeless to confront such an arrogant giant company. 

I am now so exhausted and have to turn to you for help. Thank you so much for your attention and kind help! I highly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My father died in XX/XX/2014. He had a reverse mortgage on his home. This company, XXXX, initially told me to provide a copy of the will, death certificate and request for extension on the loan so that I could sell the property once the probate court issued the Letters of Administration to me as the executor of the estate. XXXX then for XXXX months refused to speak with me advising that I was not the borrower while simultaneously acknowledging that the borrower had died. I filed a complaint with the California XXXX XXXX and XXXX finally acknowledged I had provided everything they needed to speak with me and to review an extension, but they also began foreclosure proceedings on the home. Now, although they have provided me an extension until XX/XX/2015 to sell the home they have filed default with the county where the home is located. They have yet to respond to any of my requests asking to resolve this seemingly unethical behavior. Their hired attorney refuses to return my calls or requests for information in writing. They filed the default while having all of the information they requested to provide an extension. There is equity in my father 's home and I believe this is why they are acting unethically. I believe they are trying to obtain the property through underhanded tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (KY).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage holder XXXX XXXX was due a tax refund in the form of a lower property tax bill, to the amount of XXXX. This was supposed to be refunded to her and the local sheriffs office showed us a canceled check. The check had been cashed by the company that takes care of our escrow account for Loancare.To this day they have not refunded her. Loancare has also paid our property taxes 6 months after it was due, causing the tax bill to jump from {$1500.00} to {$1800.00} because of late charges. We called them on several occasions to remind them of when the property taxes were due. They assured us the property taxes were going to be paid on time. They were NOT paid on time. It was printed in our local newspaper ( publicly humiliating us ) that we had a delinquent tax bill of {$1800.00}. Loancare paid them late and added the extra XXXX in extra late fees onto our house payment stating that our escrow was short. It was short because for the last few years they have not paid the tax bill when it was supposed to be paid. As of this email Loancare refuses to let us talk to anybody in management, They keep saying a supervisor will call and talk to us. This has never happened. My mother and I, co-mortgage holders, would like some help getting this straightened around. Loancare continues their silent treatment. XXXX XXXX and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My Social Security number was attacked by XXXX XXXX XXXX for a fraudulent charge of {$930.00} on XX/XX/XXXX. I did n't know charge was on my credit report until I tried to get a loan, then contacted Experian on XX/XX/XXXX. A little research showed they are a fraudulent company, and being sued for these practices. ( " XXXX XXXX XXXX " ) I contacted the credit reporting agency to fix this problem, and they did not remove the charge.

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 02/22/2017 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I had received several calls about some new program under the Obama XXXX saying if I worked for a XXXX, which I do, that I could qualify for loan forgiveness. After several calls I finally inquired with the company, XXXX, about it, and the people told me that they could consolidate my loan and place me on an income driven repayment plan. I was in a hurry to give off the phone, so they rushed me through the process saying I needed to check my credit to see if I could finance their fee, which would cover them sending me the paperwork and them filing it with the student loan company. I agreed to it, not knowing it was a scam, signed the paperwork, paid the down payment, and sent in the required documents, only to have them not complete the process. They have charged my account XXXX for several months. Recently I received an email from the student loan companies saying I had been scammed. I called XXXX and Equitable Acceptance Corporation, the company taking money out of my bank for loan payments, only to have them try to explain it away. It is on my credit report, has hurt my credit and chances to get a house. I am upset that it is a scam and they took advantage of my being in a hurry. I have also contacted the student loan company, and they told me all of this could be done myself to achieve the same results. The consolidation that the scam company tried to do was not eligible or something. I was told that I did n't have to use them, to stop payment at the bank and to contact consumer financial protection to help me fix the issue. I have gotten behind on the student loan situation, but they gave me a deferment now because of this so I can fix it. If I get my money back from Equitable acceptance great, if not just help me get them off of my credit report so I can purchase a house soon. This has been an extremely frustrating process. I have other issues more important to deal with yet have to worry about a scam I should not have to worry about because they take advantage of people. I should have been more careful but they caught me at a vulnerable moment. They made it sound so legitimate and helpful, escpecially in my time of need. Thanks for your help.

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 04/16/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have Wells Fargo Business checking account. 
They have placed limits on my online transfers ( transfer out to external accounts ) ... which is greatly impacting my business. 
I have been trying hard to convince them to increase my limit but getting the usual excuse making response from Wells regarding this. 

My money is stuck with Wells Fargo business checking 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 02/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with NELNET, INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I returned all the equipment and they were supposed to credit my account and take off the purchases and I 'm not sure if they did but when my XXXX it shows that it 's closed but on my XXXX XXXX it still shows

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 contacted Equifax on X/XX/17 via certified mail and telephone advising them that a I tried to contact a creditor XXXX XXXX via the address information that was listed on my credit report from the reporting agency. I mailed the listed account agency a certified letter and the letter came back as an undeliverable address. I then made copies of the letter in which I still have with the yellow undeliverable sticker on it and faxed and mailed to Equifax providing them this documentation. Equifax is allowing the agency to report a false undeliverable address as contact information on my report. In addition when calling XXXX on X/XX/17 to clear up the issue they can not identify the records because Equifax has allowed reporting of missing/partial/incomplete account number XXXX. Equifax sends out an automated response of " account verified '' but has yet to provide me with any documentation bearing my signature. It is my understanding that no entity of the state and federal laws of reporting has the authority to retain report transfer sell utilize or else wise outdated untrue inaccurate physically unverifiable fraudulent misreported and or any not compliant allegations. I have made numerous requests for them to remove this account and they have refused after being provided with documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I get calls everyday from OCWEN '' a mortgage company, before giving any information on what they are calling for they want my social security number to look up my information. I am fed up of telling them i will not not give out my SS # so stop calling me. They continue to call and leave messages on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Transaction issue

Complaint: I have an account with Synchrony Bank/Banana Republic. The " password '' to access my account does not work ; instead, every time I log in, I have to resubmit all my information ( account, SSN, security questions, etc. ) to take any action with my account. This has been going on for months and they have failed to resolve it. I suspect this " error '' is a ploy to make it more difficult to pay my card so that they can get interest and fees. If a law firm sues, them, please make me a part of the class action.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (MI).
Issue: Managing the loan or lease

Complaint: I closed out a lease with Chrysler capital in XX/XX/2016. On XX/XX/2016, they took an extra monthly payment even though I no longer had the vehicle. I have contacted them multiple times now and get a difference answer every time I call in regards to my refund. I contacted them today and was today my account was " pending closed '' and my refund would n't be processed until the account was " officially closed ''. When I asked how to officially close it, I could n't get an answer from them. They refused to transfer my call and said someone from a different group would call me back in 5 to 7 business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: I made a balance transfer as an authorized user from my wife XXXX XXXX XXXX ( XXXX XXXX ) to my XXXX XXXX XXXX ( XXXX XXXX ) for XXXX dollars. 
The money was posted on my XXXX XXXX account and since I had only a balance of {$33.00} only I asked XXXX XXXX to mail me a check for the difference They told me we can not and the {$19000.00} that I have as a credit in my account has to be sent back to the exact sender which is XXXX  XXXX  ( affiliated with XXXX XXXX ). This amount of money was not posted in my wife XXXX credit card account., I called XXXX  XXXX and, they said we did not receive anything. 
I contacted XXXX XXXX ( XXXX XXXX ) they told me that a check for the amount of {$19000.00} was received and cashed by XXXX XXXX ( which originally sent them the {$20000.00}. check ) and they sent me a copy of the cashed check that they received on XX/XX/2017 ..I filled a couple of disputes for {$19000.00} that XXXX XXXX received though their XXXX system. and they rejected both of them. I spoke to a higher management at this bank her name is XXXX XXXX, she told me that they got the money and they are working on it to put it in the account and promised me she will call me when it is fixed. I tried to contact her and I am getting an answer ( she is not available ) all the time .I am not getting anywhere with this bank I have the proof that they cashed this check from XXXX XXXX on XX/XX/XXXX.I want this problem to be fixed as soon as possible it is almost 4 months now since they received and cashed the check. I never experienced and expected something like this happens in the USA. There is something wrong going on in this bank and has to be corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-02-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed my Equifax report in XXXX with supporting documentation showing the account status in the Equifax report are incorrect. However, it still shows incorrect information and Equifax agency is disregarding the supporting documentation to support my dispute with the XXXX XXXX XXXX account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: This Complaint is made against XXXX XXXX and XXXX Bank Of America. 
1. I make a consumer complaint with the Illinois XXXX XXXX XXXX against XXXX XXXX XXXX and Bank Of America for engaging in violation of the Illinois Consumer Fraud & Deceptive Act. 
2. XXXX XXXX in retaliation had XXXX XXXX 's Bank of America accounts closed and XXXX 's XXXX Credit Card account XXXX XXXX XXXX XXXX which was in good standing and paided on time as agreed, I was never late paying on a credit card payment the entire time the Credit Card was issued. 
I also was advised that My checking account will be closed by Bank of America before XXXX XXXX, 2016. 
XXXX XXXX XXXX and Bank of America has engaged in retaliation for making a complaint with the Illinois XXXX office as a XXXX Senior Citizen, by closing out my Checking and Credit Card accounts.

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