milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/28/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with West Coast Servicing, Inc. (UT).
Issue: Trouble during payment process

Complaint: I Had a home equity loan with a bank that something happened to 2008 call XXXX XXXX I stopped getting payment notices, for a couple years then I received mailings from entity call XXXX XXXX and I talk to a male from this entity asking that he show ownership of the said loan and I never received any documentation, then I got a notice from XXXX XXXX saying that rights where transferred to " West Coast servicing inc. " they are saying I owe late charges totaling {$3100.00} I never had any loan information or numbers etc I have only been threatened by this entity. this has never been on the up and up they never gave me payment slips or nothing. now they have found away to get a trustee to file a notice of default. I never had any information on this loan. I do n't even know if they have a legal right or chain of custody or ownership of this loan. I filed a complaint against them 4 years ago and was told they were n't in your network and you where turning it over to the federal trade commission for prosecution. how is it fair to turn up after so many years and tell me I owe late fees? I always intended to pay my debts if owed but this is not right how they have dealt with this problem. I have only wanted to be treated fairly but this has been a night mare!

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I faxed in several copies of my XXXX orders and a written statement to any/all fax numbers I could find, and sent letters to addresses listen on Navient 's website requesting that they retroactively apply the 6 % interest against my account according to the Service Members Civil Relief Act, which they along with XXXX XXXX ( the original lender ) stated that student loans do NOT fall under SCRA protection. I never got a response back in any form. There should have at least been a check issued because the accounts were paid in full at a higher interest rate than the SCRA limit. 

Also, after learning Navient was now servicing my accounts, XXXX XXXX never gave me notifcation of any new account information, just a simple webpage that stated they no longer service the account. Navient states that I do not have an account with them at all. XXXX XXXX was the servicing lender when the accounts were paid in full, now I no longer have a history that they were automatically keeping a history on.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I opened an American Express Business credit card account as a member of an LLC ( XXXX ). I was told they needed my social security number due to the Patriot Act. The XXXX became insolvent, and American Express called me saying it was a debt I personally owed. After no less than 10 conversations asking them for documentation to support this when I told them I did n't sign for that, they continued to say they would " send what they have '' but instead sent me to collections. They continued to mislead me with their intentions until I was contacted by a collection law firm. I had to hire an attorney, pay court costs, even pay to fly to a court hearing since I no longer lived in the state the account was opened in. My credit was damaged, getting me denied for home rental for my family. The judge agreed with me as they had no documentation, and finally about 18 months later my attorney and the law firm representing American Express agreed on a dismissal with no further ability to attempt to collect. I sent all credit bureaus a copy of the order signed by the judge, and XXXX and XXXX removed the account from my personal credit report. XXXX, is still being told that " it 's my debt '' by American Express even though it 's dismissed, I was found not responsible, and I never signed anything saying it was my responsibility. It is still damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have checked my credit report and Equifax states that I have XXXX collection accounts under XXXX XXXX XXXX XXXX. When I review the accounts, the account information has been repeated therefore the same account shows twice on the credit report. I informed Equifax of the issue but they do not address the issue that the same accounts were posted twice on the credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I do not have XXXX nor have i ever had XXXX service

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (UT).
Issue: Closing/Cancelling account

Complaint: About 18 months or maybe a little longer Capital Once Credit Card informed me my account was restricted from further use. I have been in XXXX for last 4 years. I placed some employees on my card as authorized users. They wanted me to send copies of each authorized user 's driver license and social security card. I sent in that information via fax more then one occasion. After going back and forth trying to talk with the person who was authorized named XXXX. Who was the only one that could talk to me about my account and was never available when I called several times. I have asked several times to have my account closed. I have paid off these cards and do not use them. Instead I now have charges from the annual fee they charged me although I am unable to charge anything on these cards ; I find it very convenient they allow only their charges to be placed on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Called Equifax to inquire about hack.
Was lead to website which would not accept my SS #.
Was told there was a problem and was disconnected.
Called back and have been on wait for almost 60 minutes now, still waiting!
I wanted to freeze my credit report and am not capable using telephonic and internet attempts. Please freeze all my credit as all my personal information has been provided to hackers by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit card () with DISCOVER BANK (LA).
Issue: Advertising and marketing

Complaint: Discover prepaid card said on their website they would approve me if I made a deposit. They lied and left a negative query on my credit report. They asked for information about my identity and I provided it ( a XXXX with all of my information on it! ) and they still denied me. I went through a lot of trouble to get this and all Discover did was hurt my credit report and harvest information about me! violating privacy laws and being a creepy, lying comapany. 

reference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (VA).
Issue: Loan servicing, payments, escrow account

Complaint: PHH purchased our loan in XXXX. Unfortunately, the previous servicer, XXXX, did not tranfer the full escrow balance over due to an error on their end. PHH recalculated our escrow and payment. This shortage was finally rectified at the end of XXXX. PHH received almost {$1600.00} which was supposed to go back into our escrow account per the instructions in the wire transfer and matching all notes and communication I have had with PHH. I have been following up ever since to get the escrow analysis redone, and the payment back to the original payment upon closing XXXX 2015. We are still waiting for our loan escrow to be analyzed again so we do n't have to worry about our automated bank payment that was set up in XXXX. ( At one point, they had XXXX different payment amounts for us. ) We made a payment in XXXX 2015 for the actual amount, already set up at our bank, not the new payment which was {$200.00} higher than our loan agreement. I was assured this would go towards XXXX w/no late charges. 
We have not even had this loan a full year and continue to have issues with sub-standard servicers. PHH reps do not speak English and I can not understand them very well so I use there email service. I also have checked the online account for current info. No one reaches out to me with full summaries of where the escrow money went, when it was posted and when the analysis will be complete. They just send statements, payment bills and respond to emails with short, partial answers that do not even begin to address my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: On XXXX XXXX I heard about the Equifax Hack. I had purchased a home last year and this company was on the report from my bank. I then by day 's end had gotten on to the Equifax website and went through the steps to determine if I was effected. I found under that I was. I then signed up for the free 1 year term of trustedid.com. 8 days later I was alerted about an inquiry on my credit. I tried contacting Equifax and spent XXXX hours on hold with their consumer affairs department. 3 days later a personal line of credit was taken out in my name in the sum of {$3000.00}. Again I immediately tried contacting Equifax and had spent a total of XXXX hours on the phone with many departments to never actually get to talk to anyone that could help me. I then put a freez on my credit with XXXX and XXXX. Spoke to XXXX they actually told the proper steps to make sure my credit was frozen on their website as well. Equifax and their employees should be erased from the credit world.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Debt collection (Federal student loan debt) with Ability Recovery Services, LLC (TN).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I called to get information on my account and a woman by the name of XXXX Extension XXXX decided she wanted to have an attitude and yell and get smart with me. I asked her what her name was and she proceeded to say her name was XXXX, she then said " XXXX XXXX '' and hung up in my face.

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 09/20/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: credit item ( partial account number ) XXXX 'XXXX ' shows account opened XX/XX/2012 and reported delinquent XX/XX/2012 ; thus not allowing 30 days. and according to payment history legend the time is to be 30 days past due. therefore due process was not observed and my rights were ignored. I would like this incorrectly placed credit item removed from my record. thank you..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CO).
Issue: Account opening, closing, or management

Complaint: I am running into filing a dispute with Wells Fargo Credit Card Services. I filed a dispute with them XX/XX/XXXX via the only method they allowed, fax machine. I called their primary phone number in XX/XX/XXXX to follow up and was told that I must wait 60 days to follow up. I called in today they have no record of my claim. I asked to speak with someone in the credit dispute department and was informed that is n't allowed, they only allow internal communication. It is unreasonable that the credit reporting department for such a large company does n't allow any access for consumers to contact them directly. My only alternative now is to submit my claim via fax again and start the two month wait all over in hopes that someone responds this time. This is completely unreasonable for such a large company when the credit reporting they control has such a substantial impact on their customers life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Using a debit or ATM card

Complaint: To whom this may concern, I am writing in response to claims by Scottrade that they will not respond to the CFPB. This bad behavior by Scottrade appears to be a repeat of other bad behavior. 

In the attached you will see that Scottrade for a period of no less than 2 years hide behind the OCC while defrauding regulatory agencies by maintaining the veil that their company has less than XXXX XXXX in assets.

Company response to consumer: Closed
Consumer complaint received 11/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (ND).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech Financial LLC recently purchased my mortgage and I 've had many problems w/ them from the start. My 1st payment w/ ditech was due on XXXX/XXXX/2015. I tried to set up my online account w/ them but was unable to do so. I called and they said since my account was new I had to wait about 2 weeks in order to get a user name and password. Since I was within the 60 day transfer window I figured I 'd just wait until I could set up the online account and do an ACH transfer. I continued to get hounded by their collection dept all month. Now it 's around XXXX/XXXX/2015, I try to set up my online account and am told the service is down for some reason. Since I was still within the 60 day transfer window I told them I would make a double payment on XXXX/XXXX/2015. The rep at Ditech argued w/ me saying he 's never heard of a 60 day transfer window. The collection dept continued to call. I found it odd that they would call my workplace before calling my cellphone. I do n't want my co-workers thinking I 'm some sort of deadbeat. 

So I finally get registered online w a user name and password. I went to set up an ACH transfer and the website did not allow me to do it. So I had to call in to Ditech. I was supposed to make 2 payment for a total of {$2900.00}. Ditech tried pulling out {$2900.00} three times which resulted in overdraft fees, lots of phone calls, and lots of irritation. When I set up the ACH transfer on the phone i was told I would not be charged to {$12.00} convenience fee, but I was actually charged it twice. They said they would refund the overdraft fees and the convenience fees but I have n't seen it yet, going on close to a week. 

According to Ditech my account is past due, not sure what this is doing to my credit score ... 

Ditech seems to be an aggressive debt collector and not a mortgage servicer ...

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (AR).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The original principal was caused by a typo of my address when mailing the bill and not long after that, SouthwestCredit contacted me stating the principal belonged to them. The typo of address was made by XXXX XXXX XXXX. 

SouthwestCredit has never told me my right to dispute the collection for all the times they contacted me. 

SouthwestCredit did not either provide verification of debt at all. It should be mailed in within 5 days after the first attempt.

Company response to consumer: Closed
Consumer complaint received 11-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XX/XX/2015, I received financing for the purchase of a used vehicle yet to be determined. XXXX XXXX XXXX XXXX ran my credit with my authorization and gave me the go ahead to find a car and they would finance it. I went to XXXX dealers and they both said they would not run my credit unless it was a soft inquiry and it would n't show up on my credit report. I then received XXXX new inquiries on my transuion and XXXX reports, which just showed up when i ran my XXXX report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX accounts on my credit that do not belong to me and Equifax keeps stating that they have verified this info and I have called XXXX these companies and they tell me they have no information from me associated to those accounts. I keep telling them that they are reporting on my credit and they tell me that they can not tell the bureaus to remove something they do n't even have in their records this is extremely frustrating since no one is willing to help and Equifax has not done anything to help with this matter. Accounts are the following XXXX XXXX Bank XXXX - XXXX and XXXX # - XXXX those XXXX accounts are not mine and I never authorized anyone to obtain those accounts in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a contract with XXXX in 2010. My contract ended with XXXX and I switched over to a different company. I paid my bill to XXXX balance. I received a collection notice from Midland stating their are collecting a debt. I contacted XXXX, spoke to a representative stating my account is XXXX balance. I asked why is Midland reaching out to me to collect a debt. no answer. I understand XXXX was sued because they were charging unauthorized downloads etc ... Since the loss of the XXXX, the validations of the charges are inaccurate. feeling confuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (OH).
Issue: Taking out the loan or lease

Complaint: the loan amount is incorrect. it includes {$2600.00} of fraudulent charges

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion I sent you a dispute form asking you to please investigate credit inquires on my credit file Because but you fail to do so I have asked you to lock my credit file so nobody can get access to my file due to the fact of identity theft you have failed to investigate my request. I Will send you once again my letter of request attached to cfpb site. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (HI).
Issue: Loan servicing, payments, escrow account

Complaint: My lender has placed lender placed flood insurance on my unit even though the flood insurance is not required. My insurance officer has submitted the requested forms twice now and still they have placed the insurance on my account. XXXX times there forms were submitted were within the window the lender had given to submit these documents. 
My fear is that they will play a game with my mortgage and will try to access extra fees and place my mortgage in jeopardy and therefore my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Receivable Management Services Corporation (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The Receivable Management Services Corporation ( XXXX ) sent me a notice in the mail of an attempt to collect a past due health insurance premium of {$140.00}. The original creditor bill was from XXXX This is not a valid debt because I had paid the premium due IN FULL on XX/XX/2016.

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 08/17/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX i was charge to my bank account {$170.00} XXXX XXXX XXXX DEDUCTIBLE XXXX XXXX XXXX XXXX PA {$170.00} I never gave no Authorization for this merchant to charge my debit card for this amount and i file a dispute with TD BANK and they Have Denied the Claim cuz they said that no error occurred and TD Wants me to provide additional documents that i really do n't have at the moment please help me with this situation this is fraud i and the bank closed my debit card and they gave me a replacement debit card for this transaction wont occur again. TD Bank they are not really helping me to get this issue resolved i never authorize them to take money out my account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Debt collection (Medical debt) with SYNCHRONY FINANCIAL (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX  completely botched XXXX  procedure. Result was XXXX, and loss of XXXX. Dentist dropped XXXX down my throat during extraction. I had to XXXX it. It is gone forever. I have offered to pay for all the dental services prior to the botched procedure. Creditor has refused to negotiate in good faith and are now threatening the credit of my co-signor. Last correspondence to them received no response. I have offered to pay for the work properly done. Roughly {$4500.00}. Creditor insists on trying to collect money for services improperly done, which brings the total to roughly {$10000.00}.

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