milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/30/2015 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (SC).
Issue: Shopping for a loan or lease

Complaint: I did not give permissable authorization for XXXX XXXX XXXX give my credit report information to Regional Acceptance Corporation for a application on a vehicle loan. I have governmental XXXX financingnever signed anything asking the agency for a loan. The corporation solicited expolitation of my identity using A false address. The actions taken by this company was fraudlent and assistant CEO executive XXXX was notified about their hard inquiries about them violating my credit privacy. I hereby warned Priority store manager XXXX that I demanded their office to call all 8 companies that have been CFPB reported to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a single dollar from this affliation and want total immunity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: Please see Consumer Financial Protection Bureau complaint # XXXX XXXX Bank and the letter I received XXXX XXXX, XXXX dated XXXX XXXX, XXXX that list Transunion Consumer Relations XXXX. Transunion, XXXX XXXX XXXX XXXX, PA XXXX XXXX I am unable to reach Transunion list in the letter received from XXXX XXXX 's which is in retaliation to a XXXX Bank credit card. I paid XXXX 's off early before a promotional deal and paid for a 5 year extended warranty. When I ask XXXX 's for documentation for the extended warranty still effective - - I was told the receipt was proof of payment for the extended warranty and the XXXX 's XXXX care can be checked for verification. I only authorized XXXX 's to do a credit check when I obtained the card at the XXXX XXXX XXXX XXXX XXXX, Ca. Town center not in retaliation years later. Again, I can not reach anyone at Transunion which is listed as a sourced involved in the XXXX Relation/XXXX 's Matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have tried to obtain a report from the agency to dispute this information. While I can obtain it on XXXX XXXX and XXXX, I can not get it from the agencies themselves to dispute the information. I have sent it in writing to the agencies, however I have not received a response nor have the issues been corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax had knowledge of compromised data by XXXX XXXX 2017 and said nothing, leaving people unknowingly exposed for multiple months. Also had many difficulties putting a freeze on my report with them including being hung up on when I asked to repeat my PIN number for the freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (MI).
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: There is a debt on my credit report from Midland Funding LLC. This debt was purchased from XXXX XXXX. The amount of the debt is for {$920.00}. This debt appears on the XXXX, XXXX and XXXX credit reports and has been reporting since XXXX XXXX. I have disputed this debt with all three credit reporting agencies with no progress. I have contacted Midland Funding LLC several times because according to their website I qualify for a hardship that is outlined on their online Consumer Bill of Rights, which states : Article 2 : Hardship Consumers Who Are Servicemembers, Victims of Natural Disasters, or Who Are Experiencing Medical Issues, Job Loss, or Other Hardships We actively seek to identify active duty servicemembers and stop collections from those servicemembers. 
We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. 
We suspend collection activities when a consumer is a direct victim of a natural or other catastrophic disaster. 
We cease collection activities when we receive documentation indicating that the consumers only source of income is from exempt sources, such as Social Security or Supplemental Security Income benefits, and that the consumer has access to no other assets. We work with and are sensitive to consumers who encounter unforeseen circumstances, such as job loss. 

When calling Midland Funding LLC I 'm told each time by a customer service agent that no such program exists, after I explain that this does exist and it is on their website I 'm then transferred to a consumer care representative who then asks me what makes me think that I qualify for this program. I then explain my illness which is XXXX XXXX and that my income is only XXXX XXXX XXXX. I 'm then told that I need to contact someone named XXXX XXXX XXXX, who is an XXXX that works for Midland Funding LLC and work out everything with her office. I then explain to the CSR that the hardship is through Midland Funding LLC and that Midland Funding LLC is the business that is reporting this to the three credit bureaus. Then on every call I 've made I go back and forth with a CSR that I will not be calling any other office other then Midland Funding LLC because that office is not the entity that is reporting to the credit bureaus or the company that is offering the hardship. Midland Funding LLC then states that they will send an email to XXXX XXXX XXXX stating what I had stated to Midland Funding LLC and then I can call back in 7-10 business days to find out the results. I call Midland Funding LLC back in the 7-10 business days and then the process starts all over again, with no results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: American Education Services uses deceptive practices in dealing with borrowers. I just learned yesterday that they have been charging me late fees every month for the past year-and-a-half because they claim that I missed a payment, and so every payment since then, though on-time, has been deemed late. When I asked if they would waive these fees, they said they ca n't because they are " rolling late fees. '' They also never resolved an issue I discovered about 2 years ago, when I learned that they had had me on an interest-only plan until XX/XX/XXXX, even though I had requested to be on a level plan. 

Below is a complaint I posted on the Consumer Affairs website in XXXX XXXX : I consolidated my loans at 4.75 % before graduating with an XXXX in XX/XX/XXXX. Since XXXX, I have been making monthly payments on my loans. Originally the lender was XXXX XXXX XXXX, but apparently AES acquired the loans in XXXX, XXXX when XXXX went out of business. I am concerned about several issues : I am charged late fees often, but without sufficient warning that my bill is due and that late fees will apply. These late fees are {$20.00}. XXXX had not served such high late fees. Also, AES is reporting these late payments to the credit report agencies, diminishing my credit - despite the fact that I pay monthly. I also frequently pay a greater sum than the minimum due - sometimes several times as much. I am concerned that these higher payments are not being applied toward the principal amount of my loan and I am not sure where the money is being applied. 

I estimate that I have paid at minimum {$20000.00}, likely {$25000.00}, to these XXXX lenders ( XXXX and AES ) over the past seven years. Yet my principal amount due has only decreased by about {$3000.00}. Though I have sometimes been on the interest-only plan, I have requested to be on the level plan for years. Yet I was just informed that I was on the interest-only plan until XXXX XXXX. Even if I were on an interest-only plan, at 4.75 % interest rate, this does not add up. Where has this money gone? On XXXX XXXX, I requested a full payment history from AES, including payments from XXXX, going back to XXXX. As of XXXX XXXX, I still have not received this payment history. I called AES on Tuesday, XXXX XXXX and was told that the request is " being processed '' and that I should have it by Friday, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: I was profiled as a XXXX male in XXXX Wells Fargo branches and yelled at in a XXXX branch over the phone and then was told by corporate security they were closing my account. This guy yelled at me. I have reported this to wells Fargo. And asked to get the video tapes of my harassment. They will not help and refuse to acknowledge any wrong doing on the part of all employees involved. They have denied me access to any wells far go bank and said they will call the police on me if I ever go into a wells fargo bank again. This is XXXX and an act of XXXX threats towards an individual consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: SLS sent a notice of default to me, on my loan, prior to 120 days of delinquency in violation of XXXX. The letter was sent to me certified on XXXX/XXXX/2015, which was only XXXX days delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Credit decision / Underwriting

Complaint: Nationstar Mortgage has not been posting and keeps correct recordkeeping of my monthly payments. As early this year ( XX/XX/XXXX ) I faxed proof of XXXX payments that had not posted of cancelled checks that was cashed by Nationstar that was not posted or counted for on my account. They still have not corrected the issue as of yet. My bankruptcy attorney ( XXXX XXXX ) has also contacted them to help clear this issue. They have added money into the escrow, which did not need to be added. I have been in the process to sell my house all year. I keep getting final payoffs with additional things applied and several different explanations from their employees about the final payoff. I had filed bankruptcy chapter XXXX in XX/XX/XXXX which my house was not included in the case. I am getting explanations from Nationstar that the trustees has a hand in this. Also my attorney tried to apply for a short sale on the property. They kept saying they did not get documents, in which the short sale was done through the equator system by my attorney. Nationstar did not inform us that were denied until I called them. My attorney has clarified it does not have anything do with me filing bankruptcy and it does not show in the XXXX system that the house is included in my bankruptcy I am very frustrated because I stop mailing in checks and have been calling in my payments bi-weekly with adding an additional {$19.00} to make sure the payments are posted. Nationstar does not keep accurate records of mortgage payments being made and do not follow-up conversations to help you out. The same person does not resolve or help you with your issue. They had disconnected me several times to come back to the phone and help you out. Very bad customer service helps when trying to expedite and resolve an issue. All I need is to get a correct and reliable payoff statement so I can sell my house. Please help me I am stressed and tired of calling and explaining this same issue for months. They full of not telling the truth about your account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I just checked my credit score on credit karma and equifax is showing a score of XXXX. I do not understand this as I have no adverse or negative items on my credit report and all my accounts are paid on time with no late payments. No bankruptcy and No judgements. I called equifax to confirm that there is nothing negative reporting on my credit report and it was verified as nothing negative reporting I asked how can my score be so low? I was told I have to purchase my score. I explained that I would like to have an updated credit report sent to me because my score should be much higher than a XXXX. I was told I already received my report for the year. I again explained to the rep that I am dis-satisfied with this answer and I am unable to view the report online for some reason. I should be able to have another report sent to me for free to see why my score is so low.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I told all XXXX agencies that the all credit inquiries were re-put on my accounts. They did not inform me within 5 days of reinsertion that they are adding anything to my report and since they all failed to notify me. They all violated my rights under the FCRA Section 611 laws.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CT).
Issue: Trouble during payment process

Complaint: Wells Fargo Home Mortgage has sent inspectors to my house without my consent at different times. 

I called customer service today XX/XX/XXXX and I found out that I have to pay those fees equivalent to {$2200.00}. They said they have the right to do it because I have a delinquent balance. 

In the past my husband was hospitalized for a period of a year and we lost our primary source of income.. We had to file for a Chapter XXXX to keep our house about three years ago. Our mortgage payments and chapter XXXX payments are current. 

I feel a victim of Wells Fargo 's actions because they did n't ask my permission to send inspectors even though I have been living in the property since the house was bought. 
They also increased my monthly payments due to a force insurance since XX/XX/XXXXeven though I have keep my home insurance current every year.

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 01-09-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with SPS since XXXX of 2016 my file for modification was denied in XXXX I have submitted the additional income that was not calculated in the application and to today every time I call each representative is telling me something different.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Deposits and withdrawals

Complaint: I work for a XXXX company and while they do direct deposit my pay check my expenses are paid in US funds by check drawn on XXXX. Of note, there were a couple of XXXX branches located in the metro XXXX area until a few years ago. When I deposit them I do have to use a teller. About a year or so back I deposited XXXX that was over {$5000.00} and got hit with a large fee which no one in the local bank was aware of. 
On XXXX XXXX, 2016 I went to deposit XXXX checks which did total over {$5000.00} and spoke with bank staff and asked if I needed to do them as separate deposits or what to avoid paying a fee and was told that it would be ok on a single deposit. I received a letter from the bank the next week saying that they had reversed the largest of the XXXX checks ( {$4600.00} ) and debited my account since it would require " special handling ''. When I called the customer no service listed on the letter she told me that the local branch was wrong and that I had to pay the fee. When I asked for the check to be returned I was told that the process could not be stopped. According to XXXX they transferred the money to Chase on XXXX XXXX but it did not appear in my account until XXXX XXXX and the deposit was less than the debit. When I went to the branch on XXXX XXXX and asked why the amount was reduced they did not know and when the banker called to get the reason he was told the wait time for him to speak with someone would be 40 minutes. At that point he did reverse a {$45.00} international collection fee and I left. I received a letter from Chase XXXX XXXX stating the deposit was reduced by {$90.00} stating the reason was " Foreign Currency Paid ''. I called the customer no service listed on the letter since the check was made out to be paid in US currency and was told that what the letter stated as a reason for the fee was wrong and it was because XXXX charged Chase {$90.00} to cash the check. I was told that the local branches are not aware of the fees since they do not handle many foreign checks. 
I have already opened a new account with a credit union and will be closing this account as soon as the last check clears and will also be moving my mortgage to a new lender.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: DEAR CFPB, I RECENTLY CHECKED MY CREDIT REPORT WITH EXPERIAN.COM, IT WAS GIVEN TO ME FOR FREE AS A RESULT OF A DENIAL BY XXXX XXXX FOR XXXX OF THEIR CARDS OFFERD TO ME BY MAIL. EVERYTHING ONE MYREPORT WAS CORRECT, UNTIL I SAW A SPECIAL MESSAGE MARKED SO I CLICKED OPEN AND TO MY AMAZEMENT THERE WAS SOMETHING METIONED ABOUT MY HAVING XXXX OR XXXX, THIS IS IN DIRECT VIOLATION OF DOCTOR PATIENT PRIVLAGE AS WELL AS A NEW YORK STATE LAW THAT STATES XXXX FACILITIES CAN NOT DISCLOSE THIS INFORMATION ABOUT APERSONS XXXX TO JUST ANY ONE.I HAVE BEEN XXXX FLR SENERAL YEARS AND RECENTLY BEEN DIAGNOSED WITH XXXX. I AM HAVING FINANCIAL PROBLEMS DUE TO THESE ILLNESSES. AND AFTER MEDICARE AND SOME HELP FOR MEDICATIONS BY THE XXXX, AND THE XXXX THESE HELP [ WITH XXXX AND XXXX INJECTIONS ONLY NO OTHER SERVICES SUCH AS MY MEDICARE COPAYS.NOW IAM CURRENTLY WAITING FOR AN APPROVEL FOR A XXXX TO SEE THE RESULTS OF THE XXXX XXXX? PLEASE NOTE I WAS DIAGNOSED XXXX MONTHS AGO AND HAVE NOT YET BEEN XXXX.I AM OUTRAGED THAT A THIRD XXXX XXXX HAS TO WORRY ABOUT CONTINUED TREATMENT FOR A XXXX ILLNESS AND THAT THESE ITEMS ARE ON MY EXPERIAN CREDIT REPORT.AND THE HOSPITAL WHERE MY XXXX TREATMENT IS BEING DONE SAID THAT THEY HAD TO CHECK TO SEE HOW MUCH MY MEDICARE A & B WILL PAY FOR THIS XXXX UNDOUDBTEDBLY WILL CHECK WITH EXPERIAN THIS IS XXXX SHAME IN THIS COUNTRY. I WANT ACTION NOW WE WHO ARE ILL NEED PROPER HEALTH CARE NOT SICK TILL WE DIE CARE BECAUSE OR CREDIT REPORTS AND OUR COUNTRIES SO CALLED BOLONEY HEALTH SERVICES PLKEASE GET BACK TO ME ASAP I WANT MORE TIME IN THIS LIFE AND I DESERVE IT XXXX IT!!!!!!!!!!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2015 about Debt collection (Credit card) with States Recovery Systems, Inc. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 've already spoken to them once on my cell phone, now they are calling repeatedly on my work phone which is a privately owned business. If they keep calling, I will be fired! I 've told him not to call anymore!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Payday loan, title loan, or personal loan (Installment loan) with BlueChip Financial (OH).
Issue: Charged fees or interest you didn't expect

Complaint: Hello, I took an {$800.00} advance loan on XX/XX/2017. I've been paying {$140.00} every 2 weeks - and thus far have paid back {$1300.00}. This is a lot more than I owe. When I log in to my account on their website, it provides me with no information about when my loan is done or how much I still owe, etc ... I've paid what I owe and don't want to pay anymore. 

Thanks XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My college school loan changed loan servicers and I had to re-configure my loan payment for auto-payment. Since this takes however many days/weeks to process the auto-pay request I received a late payment notice that then lowered my credit score up to about XXXX points. It was my first late payment in my life and completely not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Since I refinanced my mortgage to US Bank I have been notified of past due money over and over. They claim to send me increases and monthly notices but I never get them. They tell me to check my online account but it has not let me login to the account for and they do n't address this needs fixed. Now they are claiming I owe over {$600.00} in payments because of an increase that I was not notified about. I 've written them and called them and they just keep going on. Now they have put this on my credit report and ignore my letters. Reviews on XXXX and Consumer affairs website says that XXXX other mortgage holders have had the same thing done to them. Claimed notices of increases not received so the first thing you know is your in default and have to pay or else. I have not received the notices, I have not received the monthly statements, I have not received the required by law and ask for help. I asked them to send notices certified ( as I send all my letters to them ) but they do not respond. It 's time for the US Government to step in, investigate the claims of hundreds of people that have the same issue with US Bank Mortgage handling and stop the false claims, fraud and abuse.

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