milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a credit card with TD bank. All my payments in the past have been on time. I missed a payment but never got a bill of missed payment or a notice via mail. I got a call to pay the overdue balance which I did n't know about and I paid in full the entire amount owed not just the overdue amount on the card. I also enrolled in auto pay at the same time so as not to miss another payment. I saw my credit score had dropped by more than 60 points after this and when I reported this to the credit card company they said they could n't do anything about it. I had XXXX complete credit payments on time up to this point and I do not believe one payment missed which I did n't know about after 30 days should result in this consequence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX was my mortgage servicer during chap XXXX bankruptcy and that loan was reported written off in XXXX & included in Judge 's discharge. Correct. XXXX buys mortgage in XXXX and also reports chap XXXX write off duplicately reporting and not showing any payment history in spite of reporting loan open date of XXXX where there involvement did n't start until XXXX. They were paid on time 100 %, No short sales, No foreclosure, and received over {$340000.00} in on time payments. At least 12 requests complete with bankruptcy, XXXX XXXX, and FCRA documents and continues to DUPLICATELY report write off on both XXXX & XXXX accounts of {$310000.00} each. Financially hurt by credit score resulting in new mortgage rate of +.6 % over 30 years, and increase of {$1700.00} in closing costs. Very expensive mistake XXXX refuses to correct.

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 05-02-2016 about Mortgage (Home equity loan or line of credit) with SUNTRUST BANKS, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We had a line of credit with Suntrust Bank in 2005 for {$140.00} and we refinance our house to paid off the line of credit, we sent the payment to Suntrust, but we still getting charge for {$140.00},, please help me. 
Thank you 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 12/17/2017 about Payday loan, title loan, or personal loan (Installment loan) with LENDING CLUB CORP (TN).
Issue: Getting the loan

Complaint: I applied for a loan for XXXX with Lending Club before they approved the loan, I sent a email to them, since they were closed at the time to cancel my loan application due to loss of household income that happened the same day. Enclosed is the email that was sent and there response to the email. The next day I received a email to contact them. I explained the situation to them. XXXX the rep on the phone said they could cancel the loan. Then she put me on hold, when she returned she said they could not cancel the loan since it funded that day. I explained cancel the wire she said they could not. Then I said pull the wire back from my bank account she said they could not I was stuck with the loan. Then proceeded to tell me that if I have trouble paying the loan apply for a hardship. This is absolutely crazy. Please investigate. All is I want to do is to cancel the loan. As of today no funds have hit my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (CA).
Issue: Trouble during payment process

Complaint: This is the third attempt to resolve the same and persistent issue I am having with Dovenmuehle regards a missing check for {$5500.00} they disbursed on XX/XX/XXXX. 

I am appealing to the CFPB to conduct an investigation into this. 
On XX/XX/XXXX I submitted to the CFPB a complaint to regards a missing check disbursed by Dovenmuehle. The compliant number was XXXX and I have attached a copy of that complaint ( Doc 1 ). The company responded on XX/XX/XXXX and the response is also attached to this complaint ( Doc 2 ). 

However missing from Dovenmuehles response were the important attachments cited in the letter and thus I deemed the response incomplete. These were also never received by mail either. I needed to see the copy of the check ( front and back ) to determine who and where it was deposited as I have never received nor cashed a check from Dovenmuehle and believe the burden of proof is on their side. 

On XX/XX/XXXX I submitted another complaint ( XXXX ) stating that this important document they supposedly attached, was, in fact missing. At this time I once again reiterated my request. On XX/XX/XXXX the company responded with a letter stating I would be mailed out both regular and certified mail ( Doc 3 ). 

As of XX/XX/XXXX I have still not received the information I have requested and feel as though this is a deliberate attempt to avoid providing the information. 
In addition to this lack of direct response Dovenmuehle consistently direct me to the new mortgage servicer ( XXXX XXXX XXXX ) for information. I have contacted XXXX XXXX XXXX and they themselves have not received any such escrow analysis from Dovenmuehle and their requests for this documentation have also been ignored. XXXX XXXX XXXX have suggested I file my case with the courts and that they would be willing to support my claims that Dovenmuehle have on multiple occasions failed to supply documentation on the handling of my mortgage while in their hands. 

I am requesting for a third time that Dovenmuehle provide to me a copy of the front and back of this check to confirm a ) if this check was indeed cashed, b ) who this was cashed by, and c ) the banking institution that cashed this check. 

Given uploading here and regular mail have failed I suggest that Dovenmuehle simply email all the documentation to me at XXXX XXXX XXXX to ensure that this is done in a timely manner. I would also like someone at Dovenmuehle to reach out to me directly by phone to help resolve this issue on XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (GA).
Issue: Managing the loan or lease

Complaint: I have been trying since XXXX to get Wells Fargo Bank to resolve an issue regarding a payment on my personal loan. The payment was made in a branch and was applied to my home equity loan account in error. 

I did not realize the error until I was contacted by the personal loan department to let me know that my payment was past due. 
When speaking with them, I looked at the receipt and realized the payment was applied to my home equity loan. 
The representative with Wells Fargo indicated that he would get with the home equity department and have the payment reversed and applied to the personal loan account. 


After this conversation, I monitored both accounts to see if the issue had been resolved, still no resolution. 
At this point, I contacted both the personal loan and home equity departments who promised the issue would be resolved. 
I even received a letter from a senior representative to let me know, the bank had resolved the issue an the bank was waiving the late charge that occurred on the loan. 


After the personal account was not updated and my account was 25 days past due, I made another payment to keep it from going over 30 days and being reported to the credit bureau. 
During this process, I have spoken to a representative from Wells Fargo 's home equity and personal loan departments at least once a week. 

After being so angry about this whole process and with no resolution in site, I decided to pay the loan off. I applied a payoff to the personal loan only to be contacted by Wells Fargo to let me know the payoff was short. 

I told them when they could get the payment that should have been posted to the loan applied, they could deduct the difference and send me a check for the balance. This was two weeks ago and the issue has still not been resolved.

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 09/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I owe XXXX to Navient. XXXX XXXX I went on vacation from XXXX XXXX and came back homeless. I found a place to live again and was scheduled to resume my studies in XXXX XXXX. Then, the school shut down and I they said I owe XXXX i do n't know what to do. i want to resume my studies in XXXX but dont want to pay more loans

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit card () with WELLS FARGO & COMPANY (IL).
Issue: Billing disputes

Complaint: Wells Fargo Financial Ba nk will not leave me alone. I had 15 months to pay {$600.00} and I paid them off  XXXX  of this year but had until   XXXX   of this year (  XXXX   )  to pay them off. I got  XXXX  windows from   XXXX   in  XXXX , MO I payed them off way before I was suppose to..I then I got  one  more window in   XXXX   XXXX   XXXX  . I made payments each month of $  XXXX  {$60.00}. then they wanted more and more money and when I just about paid them in  XXXX  of this year they said I owed {$73.00} dollars ( I owed {$190.00}   XXXX   XXXX   of which I paid ). In  XXXX  of this year they charged me a late charge of {$27.00} which I did n't owe because they said I only made a {$49.00} payment in   XXXX   XXXX   XXXX     XXXX   XXXX   I owed {$600.00}, if you divide that by 15 months you get  XXXX  These people wo n't leave me alone. Worse company I ever dealt with. Anything for money. and they keep harassing me. ( per my bank  XXXX   XXXX   paid {$400.00} dollars,  XXXX / XXXX / XXXX  I paid {$200.00},  XXXX / XXXX / XXXX  $  XXXX  $  XXXX  {$200.00},  XXXX / XXXX / XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  {$130.00}. ) They keep sending me letters and I told them to leave me alone, not to call or write or anything. but I got another letter today.  XXXX / XXXX / XXXX  stating they are looking into it. there is nothing to look into. My payments were always due the  XXXX  of the month. They were in Texas now I get them from  XXXX   XXXX . IA.

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 08/14/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (AZ).
Issue: Trouble during payment process

Complaint: X/X/17 submitted a request to cancel PMI in writing.
X/XX/17 request to remove PMI was declined. They say because my LTV ratio does not meet requirements. I have 57 % equity in my house and it 's been about 8 years since I refinanced. I have lived in my home for 9 years. There was no appraisal done when the loan was funded. They are saying the amount my loan was funded for is also the value of my home. This is incorrect information. I was told I can not speak with anyone that handles PMI removals and was instructed to submit another request to dispute the decision and why. X/XX/17 sent letter via fax disputing the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent a validation letter to XXXX XXXX XXXX on XX/XX/2018. They never responded with the validation request but sent another bill on XX/XX/2018. I then received a phone call asking me to verify my last 4 digits of my social security number and address. I have yet to receive validation of this account and request that it be deleted from my credit files as this is causing major issues with the home buying process.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Someone most had got my information

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 09-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My TransUnion account is showing a " new employer '' on my list that I do not work for. I have had the same job for years, nothing new should be appearing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Portfolio Recovery Associates, LLC attempting to collect debt on unverified account. Asked them for specific information concerning debt - and  a copy of a statement was shared,  XXXX   XXXX ,  2017  However, they remain in violation. I asked them to remove the unverified accounts listed below that remain on my credit report in violation o  f 15 U.S.C. 1681.
Asked to authenticate the documents the files that were used to verify the disputed accounts. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them?
Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
They 've ignored my request to provided me with the documents they in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (MI).
Issue: Account opening, closing, or management

Complaint: Found an Hard Inquiry on my consumer credit report from Chase Credit card Entry on my credit report dated XXXX XXXX 2015. Was not written or verbal consent to have that hard inquiry for credit at that time made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Delinquent account

Complaint: there is a negative account on my credit reports from macy 's ending in XXXX that is hurting my credit score which i need removed. Its difficult to acquire credit for me with those negative remarks.i have hired a law firm to represent me in order to remove it but they refuse to.Next step is to complain to the better business bureau regarding this incident. Unless they agree to remove it from transition and experian ill take down my complain

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 11-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Company claims i owe money for returning new phones within the allowed return time. I returned them the day after i received them and let the company know i was returning them. I was told there would not be any charges or fees for returning them within the proper return time. The limit was within 14 days. I was within that time because i returned them the next day. I talked to a number of people and told me everything was ok. Later i get a bill for XXXX. I would definitely pay it but i feel the company is not holding up to their return policy. I am very disappointed with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: CapitalOne will not request the title from CA even though I have a buyer lined up to purchase the vehicle. They will only request the title if you are changing the name or the state of the title.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
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 explanation
Consumer complaint received 03/28/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (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: A XXXX account was opened in my name back in XXXX. I did not open this account and was unaware of it until it charged off in XXXX. I contacted the Ceo of XXXXXXXX XXXX XX/XX/XXXX asking for them to remove this account from my credit as a good will gesture. I was XXXX when this account was opened and during my XXXX i wasnt aware of half of the things occurring with my credit. XXXXXXXX XXXX stated the would research my request and get back to me in 10 days. They did not. I contacted them again and they told me it would take another 10 days. I contacted them a 3rd time and they said a letter was sent. I never received one and i contacted them again and a 2nd letter was sent which i did receive. In the letter they stated they removed late fees from the balance due to SCRA. I then contacted XXXX to just find out about resolving the balance of XXXX to have the trade line removed as it wasnt opened by me in the first place and they told me there is no way possible. I didnt open this account and i am trying to repair my credit so i was willing to pay money that i didnt even spend.

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 04-08-2017 about Debt collection (I do not know) with Receivables Management Partners, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: FINANCIAL CONTROL SERVICES XX/XX/2017 Address : XXXX XXXX, TX XXXX Phone : XXXX XXXX, FL XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FINANCIAL CONTROL SERVICES or any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission FINANCIAL CONTROL SERVICES or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation