milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion had an item submitted by XXXX XXXX suppressed from reporting on my credit report until XXXX XXXX updated the information. I was not notified as to why this information was suppressed. I just happened to review my credit report and saw the information from XXXX XXXX was suppressed pending update. However, as of today, XXXX/XXXX/16, the information for XXXX XXXX was back on my credit report. If XXXX XXXX did not update the information in the specified timeframe should the tradeline be removed from my credit report?

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 11-05-2017 about Student loan (Federal student loan servicing) with SLM CORPORATION (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: In XXXX of XXXX, Sallie Mae marked a student loan that I co-signed for as 60 days late. I did not receive any written notice that this payment was late. When I tried to dispute the claim they said they contacted the individual ( my ex-sister in law ) who was making the payments. Once I found out this was issue, I paid the loan in full immediately. This is now adversely affecting my credit score to no fault of mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: I disputed   XXXX   XXXX   XXXX   and won dispute and it was deleted off my credit report and all of a sudden it reappeared. I won the dispute so it should not be reporting back on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: Santander Consumer USA, XXXX Texas gave me a loan to purchase a car.. With this I am grateful. Because it was a very high interest loan with a daily simple interest rate which is calulated daily. After speaking to my account, he advised me I would save allot of money if I would to pay off my loan early buy paying it weekly. XXXX advise me to send my payments to a XXXX XXXX in XXXX Texas, which is the USPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas ( this post office is open XXXX hours per day XXXX Now I live in the XXXX which takes one day or the same day to get mail to Santander Consumer USA XXXX Texas. I have called the company requesting that my payments are posted the day it is received in their XXXX this company has refused. I have been told on a recorded line that they use a 3rd Party to pick up the mail, and the 3rd Party does not Pick up the mail everyday. As a customer this means to me, the XXXX XXXX we must use has staying power for this company to post my payment as they see fit. This information has also been verified with the USPS XXXX must signed for all the mail pickup and they do not pick up everday. Santander/XXXX add addititional daily interest even after they know they have and willingly deceiving me. When I called the complaint department ( the office of the president ) I 'm told nothing by this department, what I want is the Santander Consumer USAXXXX to go back and give credit for the times they delayed my payments to collect additional interested. This company also said they do not work on Saturdays and no payments are posted. One of my payments were posted on a Saturday which had been at the post office prior to Saturday, and they would not change it. 
On XX/XX/XXXX SantanderXXXX received my payment. I was given credit for the XXXX because the company picked it up on the XXXX of XX/XX/XXXX this is just a few examples. I would like my bill corrected and the daily interest corrected. Now because they have proven to me that they do work on Saturday, all my electronic payments sent on Friday should be posted for Saturday. It is from the time they received my payments, not when This company picks up my payments and post them. I do have proof from the Post office and even my bank showing when my payments are sent.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Loan servicing, payments, escrow account

Complaint: The loan payments have not been correctly and accurately reported to the credit bureaus. on XXXX the payments from XXXX XXXX to XXXX XXXX are missing. 
XXXX the payments from XX/XX/XXXX to XX/XX/XXXX are missing XXXX payments from XX/XX/XXXX to XX/XX/XXXX are missing.also the loan was paid off XX/XX/XXXX.on my credit report it is showing a payment made 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 10/20/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Experian is taking to long to send results.

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 03-12-2018 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX they're attempting to collect a debt for a debt of Original Creditor Name XXXX XXXX XXXX for the amount of {$140.00} which has not been verified I have asked several times for them to verify the debt several times and yet they have not verify any of the 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 04/26/2017 about Debt collection (I do not know) with ConServe (SD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have continually called my number but they do so with robo calls and do not leave a message. When I am home to answer the call, there is no one on the line. I do not have any outstanding debts with any company. The most recent call was  XXXX / XXXX /  XXXX   at  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Total Card, Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  Bank  ( same as Total Bank , Inc )  refuses to report my account  XXXX   XXXX   XXXX   XXXX  as settled in full wh ich it was via    XXXX   XXXX   XXXX   XXXX    (   XXXX   XXXX   XXXX  ). I filed dispute with you for  XXXX  and   XXXX   last year.  XXXX  fixed it, but  XXXX  dispute ( #  XXXX  ) produced NO results  (   XXXX    XXXX   ). Since then I have to dispute this with  XXXX  every month as they take this in and out of my report.  Pls review  my previous dispute (  XXXX  ) - THEY ARE THE SCAM! Pls verify with  XXXX   XXXX .    XXXX   XXXX  says that I have another account with them #  XXXX   XXXX   XXXX   XXXX . I do not remember opening that account and I asked them for the proof of ownership. They refused to provide it again, just like with the account above. I asked for dispute of ownership, sent them their papers but they never got back to me. It is also by  Total Card Services,   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SD,  XXXX  (  XXXX   XXXX   XXXX   ).      PLEASE HELP ME GET RID IF THIS SCAM ARTISTS. I paid off over  XXXX  in credit card debt and it is all clean except these  XXXX  stupid accounts that I am not liable for.   Thank you  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This was an unauthorized credit pull. I did not want their Credit card. 
XXXX XXXX in XXXX, MN pulled my credit report and caused a hard pull. I did not authorize them for a credit card pull. I was trying to get signed up for just a XXXX XXXX Rewards card. Please remove this inquiry from my Credit report.

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 07/25/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Under the Home Affordable Modification Program, I would be under review every six months to see what has changed for me financially etc. with Wells Fargo Bank. I began working with them earlier this year for my six month review but what has happened is that the bank did not handle it in the same way it has in the past. It did not follow its procedure it outlined to me which was to send them the information they needed, they would review the information and contact me within 7 days to discuss and to let me know if they needed anything else, and, then provide me with a decision on the modification of my loan. Instead after I sent my required information, I never received acknowledgement or confirmation they had what they needed and they began foreclosure procedures. I managed to stop the foreclosure for a few months but in the end they have decided to go forward with it. This is despite the fact that they had provided me with a phone call offering a {$1000.00} a month mortgage payment on XXXX XXXX, 2016 which I agreed to but they never followed up with, instead they instituted foreclosure. In fact, I did not receive notice of the foreclosure until a real estate agent came to my driveway to tell me they were selling my home for the bank.

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 12-05-2016 about Debt collection (Credit card) with URS Holding, LLC (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX, 2016 The collection Company Alltrans Financail L/P / United Recovery Services Debt Collector XXXX XXXX XXXX started calling, He was instructed to call back after the Holidays. XXXX,2016 at XXXX another call XXXX,2016 at XXXX another call, XXXX,2016 at XXXX another call, XXXX,2016 at XXXX another call, and XXXX, 2016 at approximately XXXX XXXX XXXX XXXX Calls my place of employment and left a message with my supervisor for me to call him back at XXXX ext XXXX, on this date XXXX XXXX XXXX was given several verbal instructions not to call my place of work and to stop calling my phone, because the Company has a open debt they need to pay, I am only the Point of Contact for the Business Credit, So he threaten to place the bad debt on my personal credit report if I did not pay, Shortly after I ended up speaking with a Division Manger XXXX XXXX at XXXX ext XXXX. XXXX XXXX XXXX also stated that he is going me 24 hours to contact him with a decision on how the Debt going to be paid before he place the bad debt on my credit file, and I told him the Business Credit card was under a Federal Tax ID number and not my personal social security number, and IF use my social number without my permission it would be fraud if they place a company Bad debt on my credit file. As of today the company fraudulent misrepresentation it self by using information not provide by me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: enhanced recovery co ( ERC ) WAS PAID BY ME ON XXXX/XXXX/2016. 
THEY WERE COLLECTING FOR XXXX, ORIGINAL CREDITOR.THE ORIGINAL AMOUNT DISPLAYED ON XXXX, XXXX AND XXXX WAS XXXX.THEY CHARGED AN ADDITIONAL FEE FOR A TOTAL OF XXXX.ACCORDING TO XXXX ( CA ) FDCPA IT WAS ILLEGAL/FRAUDULENT TO CHARGE ANY FEE THAT WAS NOT EXPRESSLY DISCLOSED IN XXXX 'S ORIGINAL CONTRACT.ALL XXXX BUREAUS DO NOT DISCLOSE THE AMT PAID AND DATE PAID BY ME WHICH IS INCOMPLETE INFORMATION BY A FURNISHER ACCORDING TO FCRA AND I UNDERSTAND WHY THEY WOULD WITHHOLD TO CONCEAL FDCPA VIOLATION AS WELL AS FCRA VIOLATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-04-2016 about Mortgage (Conventional fixed mortgage) with First Direct Lending, LLC (AZ).
Issue: Credit decision / Underwriting

Complaint: I received a unsolicited document from First Direct Lending. It was titled Direct funding issuance, and the header had a fake seal of the state of Arizona and the words ACTUAL DOCUMENT and MATTER KNOWN. The reverse of the document shows bold letters saying FINAL NOTICE and REVIEW ATTACHMENTS. The fake Arizona seal again appears on the back of the document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Consumer Loan (Installment loan) with Keith D. Weiner & Associates Co., L.P.A. (OH).
Issue: Problems when you are unable to pay

Complaint: For the second time, I have been " bullied '' into dealing with a law firm that is a collection agency. This organization has very poor customer service, does NOT work with the consumer because of extenuating circumstances, garnishes the wages of the only wage earner in the house. I have dealt with this organization before and even after making unreasonable efforts to pay, they still garnished wages and caused further hardship to our family.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a letter from Synchrony Bank notifying me that an account was opened with Walmart. It states " Since the address and/or first-last name on the application did not match the address and/or first-last name contained in the consumer credit bureau report, we are writing to you to confirm that the account was opened at your request. '' I called Synchrony and the rep tells me if the information did n't match we would not have opened a card for you ... let me look. He says, Oh! you 're right it did get opened. Then he asks if I applied for TJ Maxx and American Eagle? I said no. Oh those were approved too. I said, if the information on the application does n't match my credit report then why was it opened? I 'm not quite sure. I find it a little concerning on my part that this credit card company is randomly opening accounts without thoroughly checking to see if the information is 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 non-monetary relief
Consumer complaint received 07/24/2017 about Checking or savings account (Checking account) with TCF NATIONAL BANK (FL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: On Friday, XXXX XXXX, TCF Bank of Minnesota changed over its procedures for online account access ; that is, the previous access page was no longer operational and customers were directed to a new page on which they could create new logins, passwords, and security questions. ( There was no option offered to " '' remind me later. '' ) I erred in creating the new information. This meant I needed to call for help. I was placed on hold for approximately 20 minutes, listening to the loop of ads for the bank. When I was connected to a person I was helped -- more or less -- but found that while I could now access the account from the computer on which I 'd been helped, I could not do so from my other computer. I needed to call the next day and experienced the same long wait and loop of ads. This time the CSR could not resolve the problem ; I was offered a callback from the bank 's IT staff in " two or three days. '' We 'll see. My complaint is not that TCF was in any way crooked or conniving, but stingy or just XXXX. An instant changeover means many customers with problems ; in turn, this requires a large staff. It was evident that there were not enough staff and that the staff was not sufficiently well-trained. As a result, I -- and I 'm sure a huge number of others -- were poorly served by TCF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (Medical) with Capital Accounts, LLC (MD).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: caller asks by first name and then proceeds to talk in a threatening, condescending manner. Would not give name, and demanding answers, that are of a personal nature ... Issue at hand is the sole responsibility of medicare nevertheless, they continue to attempt collection from self anyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: XX/XX/XXXX I took out a XXXX student loan in the amount of {$17000.00} to finish attending my XXXX at XXXX XXXX. I had trouble paying it back initially when I finished school, but came into some money XX/XX/XXXX and paid off the loan in full at a quoted amount from a XXXX representative of {$42000.00} to close the account. That was processed and completed XX/XX/XXXX. Just XX/XX/XXXX, nearly 8 years later, I received a bill from Navient stating that I owed an outstanding balance of {$1300.00} against this particular loan ; a combination of a principal as well as late fees and interest which apparently are accumulating daily while I try to resolve this. I had not received any communication from Navient ever up until this time, nor did I receive any communication from XXXX after I paid off the loan and closed the account back XX/XX/XXXX. Frankly, I thought Navient was junk mail, but I have communicated with the company and am being told that I owe this money. My bank no longer has the cancelled check because it was greater than 7 years ago. I have only a payment history to prove it. I feel as though I am being scammed for this money and I actually do not have the funds to pay it now, nor are they offering me any kind of solution that will allow payment plans and slow down the interest progression. They are claiming the amount is due to fees incurred during " transit '' of my last payment from the time I wrote the check to the time it was entered into the system and placed against the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Settlement process and costs

Complaint: i am having trouble with my mortgage and my equity loan with BOA. They converted my mortgage with my equity loan and still charge me separate for an equity loan that I know nothing about it I tried to call them on several occasion trying to clarify this issue I ca n't get any answer from the loan officer or mortgage manager Now BOA is trying to foreclose my house or ask ask me to do a short sale on m, y house while I am still paying my mortgage. every month

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 07/27/2015 about Debt collection (I do not know) with Focus Holding Company (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Focus receivables management has no right to contact me or my business. I have no debt and they are phishing for personal information they are not allowed to ask for. Social security number. Date of birth. Mothers maiden name.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (AZ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My wallet, driver 's license, social security card and my XXXX XXXX XXXX XXXX credit card was stolen from XXXX XXXX in XXXX XXXX, AZ. There is {$3400.00} of fraudulent charges/transactions on my XXXX XXXX XXXX XXXX credit card account : XXXX. The charges are all fraudulent and do n't belong to me.

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 10-01-2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Account opening, closing, or management

Complaint: Please DO NOT close my complaint # XXXX. Capital One is still sending texts to my mobile phone and they will not stop. The account they are referring to is not mine. There is not a way for me to add a comment to my complaint so I an opening a new XXXX. I have been trying to resolve this with Capital One for months. They will not stop texting my phone.

Company response to consumer: Closed with explanation