milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: When checking my credit report, today XXXX/XXXX/16, It stated that since my last update onXX/XX/2016, A previously deleted account on my Transunion Credit Report on XXXX/XXXX/16 ; was added back to my credit report. The Debt Collector is XXXX, and the Original Creditor was XXXX XXXX XXXX. The balance on this report on XXXX/XXXX/16, shows balance owed as {$0.00}. When it was originally reported as deleted on XXXX/XXXX/16 amount deleted was {$470.00} and accounts were closed. Reported on XXXX/XXXX/16 credit report for XXXX for same accounts, these were deleted per the original creditors request.

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 09/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I have made serval requests for this already, If you look at the attachment - they are deducting for my home owners insurance to pay*** They have not paid in 5 years, but they are deducting from my account -I have had to pay agent directly - PLEASE HELP! 
Here is what I am requestingESCROW ACCOUNT! - and Escrow account ONLYPlease send me a copy of all " Escrow transactions '' for the last 5 yearsAllPayments ReceivedAll Payments made from my account along withCANCELED CHECKS FOR THE ESCROW REFUNDS YOU SENT ME! 

PLEASE READ CAREFULLY AND PROVIDE THE INFORMATION REQUESTEDCC : CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Consumer Loan (Installment loan) with Social Finance, Inc. (TX).
Issue: Shopping for a loan or lease

Complaint: I was declined for a student loan consolidation with XXXX XXXX. They informed me today that my loan was declined. Here was my response to them : This is extremely disappointing and troubling. Your adverse action report states that the principal reason for denial of my application was " Delinquent past or present credit obligations with others. '' In disbelief, I ordered a copy of my credit report from XXXX, with whom SOFI made the credit inquiry. AND THERE ARE ABSOLUTELY XXXX NEGATIVE ITEMS ON MY REPORT. No late pays, defaults, etc. 

Your approval process, dragging out over several weeks and requiring multiple uploads of the same information ( paystubs ) that could 've easily been understood by people of average intelligence, was ridiculous. Particularly as your site says that information from the Work Number ( which I also uploaded ) was an accepted form of income verification. I was willing to put up with that at the prospect of getting a fair rate on student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit card () with U.S. BANCORP (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: hi, there is a account from XXXX credit card company on my credit report that is about XXXX years old. this card is reporting on my credit report as still open and im over the limit. the info they are reporting is completely false. i do n't even remember having this credit card. please help me find out whats going on

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Mortgage (Conventional home mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX at approximately XXXX, I spoke with XXXX XXXX in the insurance department at Santander Bank. 
XXXX XXXX had me on hold for 15 minutes and when he returned on the line he told me it would take a while to resolve my issue with the flood insurance. He said this was because of the situation in XXXX Texas. 
I was very upset hearing this news after I was told by XXXX XXXX on XX/XX/XXXX that I would receive a refund from Santander when I could prove that I had an active flood insurance policy which my insurance agent, XXXX XXXX, forwarded to Santander. 

XXXX XXXX then replied that he would have to put me on hold " until you calm down. '' I waited on the other line and after 10 minutes I hung up. 

I later spoke with a gentleman named XXXX that assured me that he would take care of me and I would receive my money back of {$1400.00} in the mail from the flood policy that was mistakenly added to my mortgage by Santander. 
XXXX XXXX left a message on XX/XX/XXXX stating that the problem was resolved and the {$1400.00} was put in my escow account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SQUARETWO FINANCIAL CORPORATION (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a call and letter from Cach , LLC. They have been emailing me through a secure online email, which is suspicious. They are saying they purchased a loan from XXXX, I took out with my husband XX/XX/XXXX, they took over XX/XX/XXXX. 

They waited 2 years to contact me for collections.They are very aggressive. It is not showing up on either one of our credit reports ( checked all XXXX CBR ). 

My contact with Cach, tells me it is, then tells me they have to fix that. Then I ask for the transaction history. Which it says in the letter they sent is attached on XXXX XXXX, is not. The contact says, he can not give it too me. From my records my last payment was made XX/XX/XXXX. So the Statue of Limitations is coming up on 6 years for NYS. Makes sense for their aggression. 

The loan is for XXXX. Also they added on XXXX pages of their own " additional terms '' to the loan agreement we signed, " thinking we would n't notice ''? 

They are trying to get us to settle of course. I am on XXXX, I have sent them all proof they can not collect from me. They want my husband to settle, he is thinking of filing Chapter XXXX. 

Cach is very inconsistent with their responses via email and seem deceitful. We do n't trust the person ( s ) we are contacting CACH. LLC. 

We know they can get a summary judgment. We are researching other ppls horrors stories. We own a home and are very very concerned for our well being. The loan also does not show up when I ran a loan search XXXX. 

I am going to XXXX to the the recovery account department to get a copy of my account. I hope this will resolve the SOL and be able to have a little bit of understanding how to move forward. 

I have all their email with lies.

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 11/21/2016 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Billing disputes

Complaint: SEVERAL YEARS AGO, A CREDIT CARD WAS GENERATED AT SYNCHRONY BANK, THRU QVC SHOPPING CHANEL, AND A PURCHASE WAS MADE USING THE CREDIT CARD. THE CHARGE WAS PAID IN FULL WHEN THE BILL ARRIVED. APPROX 9 MONTHS TO A YEAR LATER A BILL ARRIVED SHOWING A BALANCE, NOT FOR THE PURCHASE AMOUNT. WHEN IT WAS QUESTIONED, IT WAS LEARNED THAT THE BALANCE WAS CHARGES FOR LATE FEES AND PENALITIES, ALTHOUGH THE TOTAL BALANCE WAS PAID WHEN THE BILL ARRIVED. SUSPOSINGLY, THIS WAS DEALT WITH, THEN SEVERAL MONTHS LATER A COLLECTION AGENCY SENT A NOTICE OF A LARGER AMOUNT STILL OUTSTANDING. SYNCHRONY BANK WAS CONTACTED AND AGAIN, IT WAS SUPPOSINGLY CORRECTED.. AGAIN, LATER IN TIME ANOTHER COLLECTION AGENCY SENT A BILL. AGAIN SYNCHRONY WAS CONTACTED AND AN AGREEMENT WAS REACHED WITH THE UNDERSTANDING THIS EVENT WAS CLOSED.. ONCE AGAIN, RECEIVED A COLLECTION NOTICE AND THE COLLECTION AGENCY WAS NOTIFIED THE ITEM WAS CLOSED. TIME PASSED AND A DIFFERENT COLLECTION AGENCY SENT A COLLECTION NOTICE. WHAT STEPS CAN BE TAKEN TO CLEAR THIS ITEM AND FIND A RESOLUTION??

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 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had an XXXX loan with XXXX XXXX XXXX. The loan matured in XXXX of XXXX. I paid loan off in XXXX. Between XXXX thru XXXX they reported me 60 days late. Remind you I paid in XXXX. I was paying on the late fees which was around XXXX. The actual XXXX of the vehicle was paid and all I had left were the late fees. I spoke to customer service in XXXX of XXXX and they had advised me that once the actual loan is paid and XXXX I have left are the late fees to pay, I can just start making any payment towards the fees and not the regular monthly payments which was XXXX} a month. And can pay on any date and not on the XXXX of every month which that was when payments were due. So I was paying a little bit at a time and eventually paid it off!!! They keep reporting me late and ruined my credit. Shows 60 days late. Account is closed and I even got my car tittle. I was given the information by a representative in XXXX in regards to the fees. I was told I can pay whatever I can on any date. When I told them of that they investigated, found that I was correct and AGREED to correct the credit reports. Till this day they have NOT. 

They need to remove the 60 day deliquencies on ALL XXXX credit reporting agencies like they agreed to do. They are reporting inacurate 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 non-monetary relief
Consumer complaint received 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: In XX/XX/2017, my wallet was stolen along with all of my identification and credit cards, including an XXXX XXXX issued by XXXX XXXX XXXX XXXX ( " XXXX '' ) were taken. 

Following this event, my XXXX XXXX was then used to make charges at different locations in Florida. For example, on a day in which I was working at my business in XXXX, XX/XX/2017, the card was used three times at XXXX in XXXX Florida. Fourteen separate charges were made out of my area between XXXX XXXX, none of which I made. 

I filed a police report with the City of XXXX Police Department, report number XXXX. I also alerted XXXX XXXX Fraud Department and faxed over further documentation. 

When I recently applied for a mortgage, I learned that, despite reporting the cards as stolen and having them canceled, the XXXX XXXX 's card continued to report to my credit as an open account that is over 90 days late, with a balance of over {$4300.00}. I disputed this information to the credit bureaus as fraudulent and provided paperwork. XXXX  deleted the account ; however, XXXX and XXXX XXXX left it continuing to report to my credit history because, they stated, XXXX 's " verified '' the balance as accurate and not the result of fraud. I am well aware the Fair Credit Reporting Act ( " FCRA '' ) requires XXXX to make a " reasonable '' investigation into disputes -- how exactly did they make anything even close to this?

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 10-06-2016 about Consumer Loan (Installment loan) with Experian Information Solutions Inc. (MD).
Issue: Managing the loan or lease

Complaint: I had a loan though XXXX, they sent me damage furniture and XXXX XXXX agreed to settle with me and gave me my money back and cancel the loan. I asked XXXX to remove all derogatory and negative impacts from my credit report and they did. XXXX and XXXX XXXX has removed this from my credit report but Experian refuses to remove that account after submitting several disputes.

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 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
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: On XX/XX/XXXXI was granted a discharge of my student loans due to a XXXX. At the time of my XXXX  discharge I was current on all my loans, and have been in deferement. My Loans are with XXXX  and XXXX XXXX XXXX XXXX as, well as XXXX. On XX/XX/XXXXit was reported to all three credit Company 's EXPERIAN, XXXX & XXXX   that my loans were discharged closed with XXXX  balance. I got a letter from XXXX & XXXX that they were sending over a request to update all my student loans with a XXXX balance. I got a email from XXXX in my XXXX  inbox account stating XXXX also was going to request the late payments to be removed as, my loans were in admin forbearance during the 90 day late payment inXX/XX/XXXX. I have proof of bost I have submitted disputes after disputes with all three EXPERIANXXXX  they refuse to remove the late payments, or close my student loans that have been discharged. These accounts were in good standing with no late payments. Also Experian/XXXX   transefered to another lender there is only one lender.

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 11-09-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Delinquent account

Complaint: My identity has been compromised XXXX times this year, leaving my in a state of panic and causing me a tremendous amount of stress. I have XXXX credit card that were ran up and payments that were applied causing overdraft in my checking account because the money was n't in their. I am trying to resolve this issue with credit card companies. Company XXXX Capital One, phone number XXXX XXXX XXXX. This has also caused my credit rating to deplete more than XXXX points. I would like new accounts/credit cards and my credit back in good standings.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I attempted to have my student loans consolidated back in XX/XX/2009. When I did consolidate them, A new loan appeared on my credit report. When I consulted to new loan company, they did not see the loan that I was speaking of. I then called the department of education and they told me the loan that was added was paid in full and should not be collected from anyone. Well, Navient is refusing to adhere to that and are collecting on this very loan as I type this. I paid on it again today. I have produced the evidence from The Dept of Education and they have still refused to delete this loan or repay my funds. I need help. The dept of Education has proven that this loan is a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Deposits and withdrawals

Complaint: Wells Fargo Bank Had an average of overdrafts and insufficient funds on my bank account of a least 12 times during a twelve months year from XX/XX/XXXX to XX/XX/XXXX Attached please find the ironic steps this bank recommended me to take when they were the fraudsters. Would the bank reimburse all financial damages they caused me? 
Would I get money back from the XXXX lawsuit?

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Filed chapter XXXX bankruptcy here in Mn last year i was told by the courts that they do not report to the credit bureaus Trans union has it reported as public record it was done by a third party. to resolve this issue i want it deleted immediately and i would like proof that its been deleted.

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 11/16/2016 about Debt collection (Medical) with Mnet Financial Inc (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have an unverified account from MNET FINANCIAL INC. I had previously disputed this account. I have never done business with MNET FINANCIAL INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MNET FINANCIAL INC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MNET FINANCIAL INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (Payday loan) with Midwest Recovery Systems (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted about 2 months ago by someone claiming I had a payday loan from several years ago ( XXXX? ) that was due. They claimed it was between $ XXXX and it was never paid. The ONLY payday loan I ever took was from XXXX back in XXXX of 2013 for a trip to DC for my anniversary but this was settled and a terrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: ditech issued a new format billing statement. I believe that my loan may have been transferred to the XXXX XXXX billing platform. 1. a XXXX payment is recorded. I do not know what this represents. 2. the " address on the front of the statement '' now states XXXX XXXX XXXX. 3. I do not know who are the members of the ditech financial LLC. 4. I do not know the State of California business license number. 5. I do not know the actual name of the firm incorporated to do business in the State of California. 6. I do not know the name and address of the registered agent in the State of California. 7. I do not know if my loan is being processed thru the XXXX XXXX platform or if my loan is being processed through the GreenTree or ditech platforms. 8. I do not have a hand-off statement from ditech. An acceptable hand off statement will correlate a ) old-new account numbers, b ) principle balance, c ) escrow balance, d ) property address, e ) parcel number, f ) liens known at the time of the transfer. 9 ) the current state of escrow payments should also be shown in order to know the cut-off date for payments made through the old and the new billing platforms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have two checking accounts with Capital One and have had these accounts for approximately 10 years. For the past few years the bank has been charging me {$35.00} for overdraft protection on each account and also {$35.00} for insufficient funds. These charges have often added up to {$300.00} or {$400.00} per month, which is very hard on me as I rely mostly on social security and a small pension for a living and am frequently low on funds as I wait for my next check. I have also signed up for several automatic debits - for car insurance, for a donation to public radio, etc. Regarding overdraft protection sometime the bank pays an item sometimes it does not. Either way they charge me {$35.00}. And I do not understand their policy -- why pay some things and then not pay others? Also many times I am charged {$35.00} for a 10 or less debit. Recently I called the bank and asked that overdraft protection be stopped on both accounts. I was told if I did that that I would only be charged an insufficient funds fee for actual checks I wrote or for automatic debits. I proceeded to call all my automatic debits and cancelled them or told them to bill me directly not bill my account. When my XXXX cell phone payment hit my account a few days ago it was not an automatic debit. I paid it at the time. The bank charged me {$35.00} and bounced it, despite telling me only automatic debits would be charged the fee. XXXX resubmitted the bill and the bank charged me {$35.00} again. So {$70.00} on one bill. I also believe on many occasions over the past 3 years the bank has re-ordered the timing of debits so that they could charge more fees. 
I understand banks in the USA make {$18.00} billion or more a year on these fees. This is usury plain and simple. How is this different from payday loans? At least with the loan someone gets money to pay the bill. Banks like Capital One are taking advantage of people often with limited incomes who need a checking account to pay bills and do n't know about alternatives. The bank has zero or little costs when I bounce a check or have insufficient funds - so why are they allowed to charge a fee if no service is provided to me and they incur no costs? Why does the government allow this? Could it be because the big banks donate to our politicians? Who is going to take care of the little guy and change the law on this so banks can no longer get away with it?? Is n't that the role of our government?

Company response to consumer: Closed with explanation