milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/16/2016 about Debt collection (I do not know) with Account Outsourcing Group, LLC (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: On XXXX XXXX, 2016, at XXXX I was called from XXXX XXXX, the company name is Account Outsourcing Group. I was sick that day and was very annoyed that they did not call between XXXX and XXXX as directed by 15 United States Code Section 1692c. When I communicated that it was against the law to call my phone that early, the caller stated that it was XXXX where she was calling from and I stated that I was in California and it is XXXX here. Therefore, I asked to speak to her supervisor and she put XXXX XXXX on the phone and I communicated the information to her, then she got extremely rude, said they have no record of my number, and hung up. I have a record on my phone what date and time I received the call.

Company response to consumer: Untimely response
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My name is XXXX. I tried to get XXXX XXXX ( the name of Navient at the time ) to release my loan to another lender so that I could reduce my interest rate and they would not do so. I went through the route of contacting my XXXX 's office who directed a XXXX XXXX representative to contact me. That XXXX XXXX rep said that under no circumstances would XXXX XXXX release my loan to another lender so that I could reduce my interest rate. Also I was put into forbearance two times without being contacted by XXXX XXXX. I did n't initiate the process of forbearance. XXXX XXXX told me that since I had enrolled in college two separate times and had filled out federal financial paperwork, that act alone allowed XXXX XXXX to put my loan into forbearance without my knowledge. When I asked them to take away the forbearance charges. They would not do so. I lost hundreds of dollars in forbearance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I 'm curios as to why the main WF website is showing/quoting interest rates from XX/XX/XXXX when it is in fact, XX/XX/XXXX? https : //www.wellsfargo.com/mortgage/rates/

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 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have made more 3 types with XXXX, XXXX, and Trans Union to update my personal address to my credit reports. They continued to denied my request. I also advised that any social security numbers that have listed to my account are to be removed and they have not compiled with request. Also, they are listing multiple contact phone numbers to my report. And I advised I have no numbers listed. I see that here you state not to list personal information in compliant as to have them update account. Please can you assist to have it updated and request to show updates to my report. 

Thanks, 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 12/16/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Ally has reported 8 late payments on my credit report that are incorrect. I paid onetime every month using their online payment system. I have disputed the information accuracy with experian and it has came back verified.I was not given the name or physical documents showing how any information was verified. I need the 8 late payment entry that are reporting incorrectly removed.

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 12/20/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Deposits and withdrawals

Complaint: My wife and I have a joint account with Capital One. She sent a wire transfer of the balance : {$2900.00} to my XXXX account XXXX weeks ago and requested that Capital One close our account. Instead, Capital One reversed the transfer and locked the account and are refusing access for no reason. They initially claimed the wire was n't " cleared '' though XXXX confirmed there was no issue and the problem was with Capital One. There are no branch locations where we live ( XXXX ). Capital One says they will send a check in XXXX business days and that is all.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Mortgage (Conventional fixed mortgage) with ONEMAIN FINANCIAL HOLDINGS, LLC. (SC).
Issue: Loan modification,collection,foreclosure

Complaint: 2010 I modified a mortgage loan. Caught up XXXX payments w/ American General. They lowered my interest rate XXXX. After I got divorced, XXXX again I wanted to modify my loan thinking I could get a lower interest rate catching up XXXX payments. I got my signature notarized at my local bank and sent XXXX now Springleaf ) papers. Thinking they XXXX again lowered my interest rate cause my payments were lower. They had taken away seven years of payments and put it back to 20 years. I told them it was n't right and I did n't realize they took away 7 years of payments at XXXX a month and I 'd sue them. The next month Springleaf sold my Mortgage to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I recently have ask you to show me permissible purpose that I allowed many of the creditors that you are reporting hard inquries on my report to be allowed to report the inquiry under the Fair Credit Act. I 'm asking you to show me, full documentation that the inquries belong on my credit report. Not a response with an answer of you believe that it was permissible purpose. The credit report showed a credit inquiry by a company ( s ) that I do not recall authorizing. I understand that you should n't be allowed to put aninquiry on my file unless I have authorized it. Please have thisinquiry or inquries removed from my credit file because it is making it verydifficult for me to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Debt collection (Credit card) with Army and Air Force Exchange Service (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On XXXX XXXX, 2015 I received a letter from XXXX XXXX threatening to garnish my wages if I did n't make payment arrangements to settle an old account, {$5500.00}. I spoke to XXXX XXXX, account manager, of XXXX XXXX , XXXX and he informed me that I needed to pay XXXX % before I could make any arrangements. I said I did n't have that amount of money and he insisted I contact my bank, or another bank, and request a debt consolidation loan ; failure to do so would require them to garnish my wages. My credit report shows this account as closed, owning XXXX. I contacted legal services and told to contact you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I received a large amount of money as a gift, was told by the Chase Bank representative it will be available in 2 days, she circled on the receipt 2 days later it would be available, never mentioning it might be further delayed. Only to find out they extended the hold on the gifted check another 7 days. The day I inquired about it they said it is on a 7-day hold. I do n't have the money available to me and the person who gifted me the money tells me it has been taken out of his account. Now Chase does have the money and they are making interest on it for the added 7 days, not me or the person who gifted me the money. They made me feel like a criminal for something that I did n't do anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Debt collection (Private student loan debt) with Williams & Fudge, Inc (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Since XXXX XXXX, I have been making monthly {$120.00} payments on student loans owed to XXXX XXXX XXXX that were sent to Williams & Fudge Inc. for collections. 

My XXXX credit report lists the following for the three loans in question : 1. Opened XXXX Recent balance {$6900.00} as of XXXX/XXXX/XXXX {$800.00} past due as of XXXX XXXX 2. Opened XXXX Recent balance {$3400.00} as of XXXX/XXXX/XXXX {$710.00} past due as of XXXX XXXX. 
3. Opened XXXX Recent balance {$9100.00} as of XXXX/XXXX/XXXX {$1000.00} past due as of XXXX XXXX I have contacted Williams & Fudge on several occasions to request detailed information about precisely how the {$120.00} payment is applied to each loan -- how much to the principal, how much to interest and how much to any penalties and fees -- and how each loan balance is changing based on how the payment is applied. 

On XXXX/XXXX/XXXX, via email, I received the following information : Your remaining balance is {$26000.00}. You have already paid a total of {$1100.00} towards your account. 

Original amounts : XXXX XXXX XXXX Late fees and interest and principle CLIP method On XXXX/XXXX/XXXX, I asked again for details of how payments are applied. I received the following via a phone conversation. They told me it was part of their internal system/calculated internally and they could not print out or send me a PDF of this information. : 7.5 % - Affiliated Loan Program XXXX, {$1.00} interest 7.5 % - Affiliated Loan Program XXXX, $ XXXX 7.5 % - Affiliated Loan Program XXXX, {$1.00} interest Original amounts : XXXX XXXX XXXX Late fees and interest and principle CLIP method I have been provided no written or verbal details of what the fees and penalties are or how they are calculated. Williams & Fudge has provided no written statements or regular correspondence on company letterhead regarding how payments are applied, penalties, interest or fees.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Global Lending Services LLC (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have reached out to this company several of times to work out an agreement to take care of this matter in which they refused to accept my payment agreement, which is a violation of FDCPA. I 've tried to settle with this company being that this debt is old, and still to no avail they denied to work with me, but continue to report this old debt on my credit which has reached the statue of limitations. This debt is XXXX XXXX XXXX and it 's still being reported on my credit. I am giving this company XXXX days to accurately update my credit report with the deletion of this item, if not I will be speaking with an attorney to pursue legally with an lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Payday loan () with CURO Intermediate Holdings (LA).
Issue: Charged fees or interest I didn't expect

Complaint: I received a loan due to an emergency XXXX 2014 in the amount of {$750.00}. I 've paid {$1000.00} back and the balance is now {$2300.00}. The company told me they 'd accept a settlement in the amount of {$1700.00} in XXXX installments which would totals me paying back {$2700.00} when my current balance is showing {$2300.00} after a year worth of payments. It was done through speedycash.com

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/19/2015 about Debt collection (Payday loan) with Concord Resolution Inc (Closed) (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving calls from several different numbers stating that I am " a person of interest '' and must file a statement within 48 hours or the case will be forwarded for further legal action. 
The first time I actual spoke with a person, I was asked to verify my SS and I refused. I told them to stop calling me and that if this involved a debt they needed to contact my attorney who works with XXXX XXXX XXXX. ( I work in the XXXX ), I gave them all the contact information to reach XXXX XXXX XXXX, XXXX, which they have not done. 
They continued to call me and leave automated messages on my phone. 
When I call them back after a few weeks, I had to verify the last XXXX of my SS. Then the man ( XXXX XXXX ) said I took out a payday loan in XXXX 2013 from XXXX XXXX, and still owe {$480.00} on it, how do I plan to take care of this debt. I said I never had this loan and have never heard of XXXX XXXX. I told him he would have to talk to my attorney, and that once I got validation of the original loan I would have my attorney call him. He claims to be with Concord Resolution and his numbers are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Student loan (Private student loan) with AES/PHEAA (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have a student loan with American Education Services. This is not who I originally received my monies through, but my loan was sold to them. For the past almost eight years I have been making biweekly payments to lower my balance and in turn keep the amount of interest down. The amount still owed after all this time is still more than what was originally borrowed!!! How can this be??? I was in banking/loans for 15 years!! What they tell me is bull on a cracker!! They are in the business to rip people off!! Look at the reviews on line. You can not get a straight answer from anyone!! This is terrible and should not be allowed!

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. XXXX hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX 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 non-monetary relief
Consumer complaint received 06/13/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I see that on my credit report I have a collection accout for {$1800.00} for GE Money Bank in which I dont owe a debt to a GE money bank I have received no correspondece I reported this to the credit burea as a result the open collection is now closed but closed with a balance of {$1800.00} I have never had a creditor on my credit with the name GE money Bank

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (PA).
Issue: Trouble during payment process

Complaint: My mortgage, held with XXXX XXXX Mortgage, was transferred to LoanCare, a mortgage service company, a few months ago. When transferred I was assured that nothing would change, and my payments would remain the same, unless of course, there was an increase in other areas such as property taxes or escrow. 

There was never a fee charged by XXXX XXXX unless there was a late payment, after the 15th of the month, which would be considered late, and which I understood. I had been making my payments on time, via bank transfer, to XXXX XXXX and similarly each month to LoanCare, on or before the 16 of the month. This payment timing was good for me because, as a senior citizen, receiving my social security ( SS ), my deposits are deposited the second XXXX of each month, which always falls before the XXXX. Please see my bank statement attached. 

I made my set payments on time each month to LoanCare. Nothing was changed with my payment to LoanCare until this month when, to my surprise, I noticed an additional payment of {$10.00}, labeled as a one-time payment fee, a fee that was never charged before, not even by XXXX XXXX. I was not informed of this fee until I logged on today, XXXX XXXX, to make my monthly payment, after my SS was deposited, and I have never been late. I believe that my payment falls on or before the due date and I should not be charged a fee. Here is their draft fee schedule, which surely appears to be a late-fee schedule disguised as a draft-fee schedule : " One-Time Draft Fee Schedule On or before due date-No Fee 1-4 days after due date-No Fee 5-9 days after due date- {$5.00} 10-15 days after due date- {$10.00} 16 days or more after due date- {$10.00} '' I have since sent a request to have this fee removed from my mortgage payment. I have no control over when my SS is deposited and this is the only money I use to pay my mortgage. A bank draft is also the only way I have paid my mortgage, and given the time of my SS deposit, this would be the only method I use to pay it, so tacking on a draft fee is unfair. 

As a senior citizen, I think this service is taking away from my earnings and I think it unfair to me, since I was never asked to pay a draft fee before, nor had been informed of one being added. {$120.00} a year for future monthly draft fees was nothing I had agreed to when the mortgage service was transferred. 

As a senior citizen I do hope that CFPB will assist me in having this monthly fee removed, and I can continue to pay my mortgage using the method and time I have been accustomed to. 

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: It says my account is closed for XXXX XXXX XXXX on the Equifax report and it is not. Also, my XXXX is paid off and my XXXX is paid off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX sent XXXX phone bills to collection which is XXXX that does not belong to me and is under someone elses name in XXXX XXXX oklahoma at the time it was made i was living in XXXX they want rent receipts and i live in a XXXX so when i moved to XXXX in 2012 i threw all my old receipts out not thinking i would need them. i have never had phone service with XXXX i have used prepaid phones for years.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I checked my credit file and noticed that I have over XXXX Inquiries that I do not recognize. I have not authorized any one to access my information. I have called and mailed letters to all of the inquiries to let them know that these are fraudulent inquires on XXXX/XXXX/2017. I have not heard back from either of them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Billing statement

Complaint: I have a Macys American express card setup with electronic statements. 
I have had this card for many years and have never been late or not paid the minimum balance. 
At some point about 3 months ago I no started to no longer receive these statements and did not notice At this point Macys began to call my house multiple times a day however when answering the phone there was nobody on the line and the dialer would hang up on me. 
When I contacted them they stated that my account was past due so I made a payment in XXXX to bring it current and let them know that I was not receiving electronic statements and to enroll me in paper statements. A few weeks after this I decided to payoff the account and made a payment of over XXXX dollars. 
A week later I receive a letter saying that due to being delinquent they were lowering my credit limit due to me not paying Which I know can be negative on my credit report. 
This takes us to XXXX of 2016. I receive a notice in the mail saying that my account has a balance of XXXX and is overdue. 
Once again I did not receive a statement either electronic or paper prior to this late notice. 

After years of being a good customer they are going to potentially cause issues to my credit report and score due to a billing error on their side.

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