milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2016 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received a notice of intent to collect on this debt so i do n't know what it is for. I discovered it on my credit and i have reached out to the complaint on several occasions and i have yet to hear back from them

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 11-04-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am in the process of switching from the IBR repayment plan to the REPAYE income based repayment plan. I have spoken with dozens of service representatives at my loan servicer, FedLoan, as well as called the Department of Education. I have gotten the run around and more than a dozen different responses. My question is whether the 4 years of payments I have made under IBR are transferred to the REPAYE repayment period of 25 years, i.e. I will have paid 25 years, 4 years under IBR and 21 years under REPAYE. Some people at FedLoan say yes that is the case and some customer service representatives are telling me otherwise. The other statements I am receiving are that since I have switched repayment plans, the term resets so I will have to pay 4 years IBR that I have already paid and switching to REPAYE, I will now have to pay 25 more years under that plan so in effect, I will have to make 29 years worth of payments before forgiveness because I switched repayment plans. 
It is a simple question about the terms of my loan. If my servicer nor the Department of Education can explain to me the terms of my loan or how the repayment plan works, how am I supposed to make an informed decision about how to repay my loans?

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I RESIDE IN WISCONSIN ; XXXX COUNTY. FREEDOM MORTGAGE IS REFUSING TO PAY MY XXXX PROPERTY TAX PAYMENT ON TIME. THE FUNDS HAVE BEEN PLACED IN ESCROW OVER THE COURSE OF THE YEAR AND FREEDOM MORTGAGE IS REFUSING TO RELEASE THE FUNDS TO ME OR THE TOWNSHIP WHERE I RESIDE. I WAS TOLD IN XXXX THAT THE TAX CHECK WOULD BE SENT IN THE MAIL DIRECTLY TO THE TOWNSHIP ON THE DUE DATE OF XXXX. ON XXXX MY WIFE WAS TOLD BY A FREEDOM MORTGAGE REPRESENTATIVE THAT THE PAYMENT SHOULD HAVE BEEN MADE BY XXXX. FREEDOM MORTGAGE IS NOW STATING THAT THEY NEED TO INVESTIGATE WHY THE TAXES WERE NOT PAID BY XXXX AND SAID INVESTIGATION WILL BE COMPLETED ON XXXX. FREEDOM MORTGAGE IS STATING THEY WILL PAY THE ADDITIONAL LATE FEES AND OR PENALTIES ASSOCIATED WITH THE LATE TAX PAYMENT. THE LATE TAX PAYMENT WILL HAVE A NEGATIVE AFFECT ON MY WIFE AND I CREDIT SCORE/RATING. PLEASE HELP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Money transfer, virtual currency, or money service (Virtual currency) with WELLS FARGO & COMPANY (SC).
Issue: Other service problem

Complaint: I use an app called   XXXX   XXXX   it helps me with finances since I live paycheck to paycheck , Wells Fargo is EXTREMLY slow when sending information over and it 's really putting me In a hole when I need money available. I like banking with Wells Fargo but thes e wait times are killing 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 06/29/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (OH).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: This seems to be the only way I can get a response out of Wells Fargo, I do n't have access to my account, I have tried writing to the following email address they gave me : XXXXXXXXXXXX but I never get a response. I have tried TTY and using an IP Relay but we either get disconnected, ca n't get through to a person, the customer service agent does n't quite get IP Relay or gets frustrated, etc It 's a never ending stream of problems trying to contact Wells Fargo. I 'm XXXX and XXXX, whenever possible I prefer online correspondence but Wells Fargo is n't on board with this century I guess. In any event in XXXX 2017 I opened an account with Wells Fargo because of a promotion they were running, in XXXX 2017 I got a settlement check from an ADA lawsuit, it was too large to do via mobile deposit so I sent it to a friend to deposit on my behalf because there is n't a branch anywhere near me, I ca n't drive/do n't have a car, getting out is extremely difficult, and so on. So far no problems but then without warning Wells Fargo freezes my account with no explanation as to why, I ca n't get through to find out how to resolve it, I have offered to send them my SS, birth cert, bills with m address, etc, whatever they may need to identify me but the few times I 've gotten a response via BBB or letter in the mail they only say that they ca n't help me until I come in. Even though I have explained over and over again that I PHYSICALLY can not come in, it is an impossibility and they have offered zero alternative. Because of the numerous problems I have requested that they send a check for the remaining amount in my account ( {$4000.00} ) and close the account. I paid a guy {$50.00} to come to my house and notarize all of Wells Fargo required papers to close an account without coming in. Exception Payments contacted me via mail to tell me that more information was needed, they suggested I either come in or contact at XXXX, as explained multiple times over there is no way shape or form that I can physically go in to a branch so I tried calling the number via IP Relay and could n't get through to anyone. I have mailed them a close request once again, it was sent with the notarized form that they require, as well as a copy of my XXXX ID and birth certificate. What they are doing is wrong on so many levels, I 've never had so many problems with any bank or institution. <P/>I just want my money sent to me and the account closed, I have no intention of ever doing business with Wells Fargo ever again.

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 01-09-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Constant calls throughout the day. At least 6 calls per day and when i answer the phone, they hang up! Never ever do i get a recording or person when i answer the phone!! Its very annoying and it is harassment!!!

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 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 am a victim of identity theft and as a result, fraudulent activities were linked to my account listed below with this company. I attached all the relevant documents that this company needs to verify my claims on XXXX.XXXX.18, but to my surprise these company failed to block/update these fraudulent account within 3 days as required by law. 
Please note the below account is linked to fraudulent charges please delete asap : XXXX  ac # XXXX please delete this accounts fraudulent charges.

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 10-06-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 'm just trying to get XXXX to take the XXXX bill out of collections. It was paid - XXXX took it off, but it 's still showing through XXXX. 

Thanks - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I became XXXX XXXX/XXXX/2016, was out of work and underwater with my mortgage so contacted Ocwen for assistance with HARP program, told do n't have that but will help me with HEMP. I advised Ocwen I was getting help from peers paying my mortgage so my credit score would not be affected, I provided all requested documents. During loan modification XXXX 2016-XXXX 2016 I experienced extreme frustration to get assistance.I was expected to provide documents in short periods, wait for followup calls, then asked to resubmit the same documents, sometimes more than once. I provided all documents requested. In XXXX 2016 Ocwen advised my modification was denied due to " I paid my mortgage on time, can only be approved once my mortgage is 6 mts late. However being 6 mts late does not guarantee approval ''. I have been misled by Ocwen and believe their process is not clear. I am aware Ocwen calls are recorded, which will show how I was misled. On further discussions with other lenders i was advise Ocwen does have the HARP program and should have assisted me. As of today XXXX/XXXX/16 I am still with Ocwen underwater with the mortgage, keep getting late fees and no assistance from them.

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

Complaint: I have gotten harassed by navient about my loans since I graduated in XXXX of XXXX. I called them and asked them to lower my monthly payments because I also have private loan through my school, and they stated I made to much money for a single person. I then called and asked them to consolidate my loans with my private loans so I can get a lower monthly payment, and they told me to fill out an application. All while my loans are still accumulating crazy interest! On top of my loans I have already accrued XXXX in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX 2014 unpaid for {$37.00} I have never had any XXXX service in my life with this company Please fix this problem from my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Debt collection (Medical debt) with The Law Offices of Mitchell D. Bluhm & Associates (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have a debt that showed up on my credit report, that I do n't believe I owe. The company never sent me anything about the debt nor gave me a chance to dispute. I do n't know how they acquired the debt, but I do n't think it is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2017 about Vehicle loan or lease (Loan) with BMW Financial Services NA, LLC (VA).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: I applied wit h BMW for a l ease and loan. My  XXXX  and  XXXX  reports were frozen due to fraud. I have a  XXXX  FiCO on  XXXX . They pulled this score twice  in one day sta ting it was not the score fico or   XXXX   was reporting. Come to find out they were using   XXXX   XXXX   ... then the lender demanded I unfreeze my  XXXX  or I would not be consider at all. This was after I have dr iven 10 hrs a nd mislead that I have already been approved and everything was situated. I was mistreated and feel as I was discriminated against in regards to my score being devalued and not honored fete being pulled. The finance  manager treated me like a second class citizen and made clear he had deals he had to do. Furthermore it was said BMW w ould not approve anyone off a  XXXX  score and after speaking to several other dealers this was false.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Consumer Loan (Vehicle loan) with Stephen Einstein & Associates, P.C. (NY).
Issue: Problems when you are unable to pay

Complaint: I was a cosigner on a vehicle Auto loan for my brother back and I believe the date was XX/XX/XXXX which the vehicle was repossessed. now a week ago XX/XX/XXXX and receiving notification that I 'm to get a wage garnishment for this vehicle the debt at the time was about {$4000.00} left on the car loan and the garnishment is for {$22000.00}. I called the attorney Steven Einstein and associates Who represents a company that is on the garnishment called XXXX to find out what the debt was in when it was I asked them for documentation and they refused they said they will not make my attorneys job easier by sending me the documentation for the debt. They stated that they have a judgment against me so they do n't have to do anything but collect money at this point I was never served any paperwork for court and had no idea of the date of court. my understanding also at the time was that I was a comaker not the only person on the auto loan which the collection agencies now stating that there is nobody on the XXXX except for me. I believe it does that is over XXXX years old and I do n't understand how they can come after me XXXX years later for that that was n't even really mine in the first place. also how are they allowed to garnish my wages and not prove send any proof of the debt to me

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed with Transunion on several occasions the following accounts ( see attached ) that are reporting inaccurately on my credit report : * XXXX XXXX XXXX XXXX XXXX I provided documentation to this bureau that XXXX XXXX is not licensed nor bonded to act as a collection agent in the State of Texas where I reside. Transunion did not respond within 30 days of my initial request as to the validity of this debt and what their investigation consisted of and who they spoke with at this company. The reporting of this account is in violation of Texas consumer law and my federal consumer rights under the FCRA. XXXX XXXX should be deleted as well due to the nature of its reporting. If this account is truly legitimate and they are the original creditor, why is there no payment history reflected nor the terms, or my high balance, or limit or payment status. All of these things must be reflected for accounts with the original creditor. Again, my rights are violated as a consumer ; therefore, both of these accounts should be 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 07-03-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with U.S. BANCORP (CA).
Issue: Money was not available when promised

Complaint: I deposit {$170.00} cash into a U.S. Bank to fill an XXXX Checking account. The machine prints out a ticket instead stating " A machine error has occurred and we are unable to credit your account or return some of the items you attempted to deposit. Please contac ... ''. <P/>So I contact, the woman from U.S. Customer service totally denies responsibility on the machines, and tells me to call my bank. <P/>I call XXXX, and they say, nothing we can do, call the ATM Bank. <P/>This is where I am right now. <P/>The exchanges above and their quickness to throw blame to the next one over was literally that quick. First things they said. <P/>I am complaining, because, at least one entity in this charade should care to return that money to me. <P/>I have the ticket. The code on the top right is XXXX The number to call is XXXX. <P/>Thanks so much. I hope to get this money back. 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 monetary relief
Consumer complaint received 02-10-2018 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: Information belongs to someone else

Complaint: Hello, my name is XXXX XXXX. I am sending this message in regards to the accounts & inquiries you are reporting inaccurately on my credit file. I am unaware of the accounts and it should be removed immediately. Please check the attachment section for a letter pertaining to unverified inquiries & accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I asked XXXX XXXX not to call my phone they said I owed {$740.00} and I asked Portfolio recoverys to write me only letters they say that I owed {$400.00} in XXXX XXXX as well as XXXX XXXX saying i owe {$130.00} in a small loan, I asked all three companies not to call my job or my moms phone and my dad '' s phone, I also asked them not to call my job or my mom and dad '' s phone but they did anyway they also called me at XXXX,XXXX,XXXX, XXXX XXXX,XXXX,XXXX, XXXX XXXX XXXX I asked them to call me at a certain time but they still call me at different times..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: I sent my rent check to my landlord via USPS in XXXX of 2017 - one month later when my landlord told me my rent was late, we realized that the check was fraudulently cashed at a cashier - someone the check was intercepted. I am attaching a copy of the back of the fraud check that was cashed without being endorsed by the company it was written out to. 

My bank ( BANK OF AMERICA ) opened a claim and tried to get the money back from the depositing bank ( XXXX XXXX ) but did not receive a response so they did not give me my money back. 

I attached the fraud cashed check, a cashed check how it should look from my landlord and the letter from BofA saying that they are closing my claim and can not give me my money back even though they know this was a fraudulent check.

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 01/13/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am an XXXX with XXXX properties in XXXX FL. XX/XX/XXXX I received a bill for {$28.00}, which I immediately paid via online banking on XXXX/XXXX/XXXX. In checking my credit report XX/XX/XXXX/XX/XX/XXXX, I found an unknown charge from a company for {$36.00}. In calling the company, they advised me that they were contracted by XXXX XXXX. I called XXXX XXXX, as I knew I had paid them. It was at this time that they advised me that they received my payment XX/XX/XXXX, but they did not know where to apply it. Please note, I only have XXXX accounts with them in XXXX FL. When I asked them why they did n't bother to phone, they did not have an answer. They told me that I would have to deal with the Collection Company. I called back. I explained the entire situation. I heard nothing back, so I checked my Credit Report again and the {$28.00} was credited, leaving a balance of {$7.00}. I called back to the Collection Company. I spoke with XXXX on XXXX/XXXX/XXXX, who informed me that they are contracted to do the final bill with XXXX XXXX. I asked her how I can pay the balance and have this removed off of my credit report due to the circumstances. She could not help me. I asked for someone " above her '' to call. On XXXX/XXXX/XXXX, XXXX XXXX, VP of Operations phoned. I went through the entire story again. I informed him that I DID NOT RECEIVE ANY NOTICES IN THE MAIL FROM THEM. He verified that the last mailing that was going to the same address as the previous XXXX was, in fact, returned to them. He refused to help me, so I asked to speak to someone above him. He informed me that " he is it. '' He said that the President of Operations does not speak to the public. He will not remove the account from my credit report, even though XXXX XXXX received the payment and did not bill me for the balance due. Neither XXXX XXXX or XXXX XXXX ever called me regarding the initial payment made in XXXX of XXXX or notices that were supposedly sent. This was verified by the account. I want the account removed immediately from my credit report, as XXXX XXXX dropped the ball and XXXX refuses to cooperate!

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Student loan (Federal student loan servicing) with Immediate Credit Recovery (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Immediate credit recovery submitted me to garnishment to stop my process of consolidation that was submitted. They are falsely reporting on my student loan account and not properly servicing my student loans. They need to stop this garnishment asap and honor my consolidation.

Company response to consumer: Closed with explanation