milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/13/2015 about Mortgage (Other mortgage) with BBVA COMPASS FINANCIAL CORPORATION (VA).
Issue: Credit decision / Underwriting

Complaint: Applying for a mortgage and credit report came back stating that Compass Bank reported I have been delinquent on loan since XX/XX/XXXX. This is not the case. Compass Bank Home Equity Line of Credit account number XXXX was closed XX/XX/XXXX. This is reporting on credit as a new delinquency when delinquency occurred XX/XX/XXXX. I filed a complaint with XXXX in XX/XX/XXXX as I uncovered Compass Bank was reporting I owed {$21000.00} a month - hurting my DTI. They corrected this issue as it now reports I owe $ XXXX but created a new problem as the date of my last delinquency is now reflected as XX/XX/XXXX - the date they corrected the $ XXXX reporting. The date of my last delinquency should be reported as the XX/XX/XXXX date, not the date they corrected my original concern. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I wrote Transunion and XXXX of my credit report and it was returned to me. I noticed several items that were on both credit bureaus that had a XXXX balance. Their is no reason in rubbing my face in the mud to the point I CANT get any type of credit and it saying on my report for 7 years. I do not owe these people and I have also went online and disputed every single one of them. If their is no balance why ruin me anymore. I am asking this be investigated and removed. Their is things on my report every since 1991. I Appreciate your help in this matter. THANKS 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 06-09-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have had a very difficult time with US Bank. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. US Bank always seemed to lose my paper work, which I constantly had to re fax. It also took over 4 months to issue me a repayment plan, which is pure fraud. Absolute smoke and mirrors dysfunctional game of fraud. After 4 months of being in review US Bank issued me a payment of {$2000.00}. My old payment was {$790.00}, and my gross monthly income is {$3600.00} per month. After 4 months it is very clear US Bank did not do my underwriting correctly or actually read my letter of explanation pertaining to my income. Based on my income can you legally give me a payment of {$2000.00}?

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
Consumer complaint received 03/24/2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Have had a mortgage loan with XXXX for the past couple years since refinancing with them in XX/XX/XXXX. The loan servicing was switched from XXXX to SLS Loan Servicing on XX/XX/XXXX without my knowledge or input. I received a letter the XX/XX/XXXX from SLS informing me of his change. The letter stated that nothing about my note or mortgage would change. I then got another letter at the end of XX/XX/XXXX stating that a {$2700.00} lender placed hazard insurance policy would be placed and the payment would increase by {$110.00} per month starting XX/XX/XXXX unless I found my own policy within 45 days ( note : there was only about 30 or so days til XX/XX/XXXX at the time ). This forced policy amount was double what I had been paying to escrow for hazard insurance. I then got an agent and found a policy for {$1500.00} which went into effect on XX/XX/XXXX, however the payment did not decrease at all and I was told that I still owed the difference from my my {$660.00} payment to the increased payment of {$780.00} even though I had purchased a much cheaper policy which would 've brought the escrow back down well before XX/XX/XXXX. I was also told by an SLS rep that there was a lapse in coverage from XX/XX/XXXX to XX/XX/XXXX and that {$480.00} was taken out of my escrow account by SLS to cover it because they did not accept the previous hazard insurance placed by XXXX even though I was never informed that I did not have coverage at any time until today. I was not given any notice ahead of time about the transfer of servicing or the lapse in coverage in order to get a policy before hand and prevent a lapse. On the contrary, I was told that nothing would change in the letter I received at the end of XX/XX/XXXX ; even though the rep in the Hazard Insurance Processing Center for SLS stated that the lapse in coverage is standard on all loans from XXXX to SLS. Than no Hazard Insurance policy is ever continued from XXXX to SLS. I think it is horrible business practice to plan and execute a transfer of loan servicing, allow a lapse in Hazard Insurance coverage, then charge the only party in the transaction who had no knowledge or control over anything ; after the fact. This could have been prevented by simply informing me 30 to 14 days BEFORE the transfer of the loan. Now I have an unpaid balance of {$110.00} on my XX/XX/XXXX mortgage payment as well as a deficit of {$480.00} in my escrow account that I just found out about today. Please assist.

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 03/13/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have contacted exsperian about a civil case on my credit report that does not belong to me and incorrect addresses that do not belong to me and they will not remove them.they keep importing incorrect information of persons with a similar name and placing them on 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 non-monetary relief
Consumer complaint received 12-11-2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Other

Complaint: Citibank is fraudulently charging people interest. I 'm sure it 's not happening only to me. 

This fall, their online payment portal changed. I noticed this change on XXXX XXXX, 2016. Now when I log in to pay on the first of the month, the website says the minimum payment has already been satisfied, and I am invited to pay the remaining statement balance. 

Under this payment option is the following statement : " This is the remaining amount owed to satisfy your last statement balance. '' On XXXX XXXX I chose this option, but when my next statement came out I saw that my minimum payment did not go through, and I was charged interest. I contacted Citi via live chat on XXXX/XXXX/16 and told the agent all of this. He said it must have been a website glitch and assured me he would reimburse me the interest paid. He did not do so. 

On XXXX XXXX, I logged in again the payment options were the same. The payment page again stated that my minimum had been satisfied, and I was invited to pay the remaining statement balance. Once again, I did so. But this time I took screen shots to prove what happened. 

Once again, when my new statement was issued, I saw that the minimum payment had not been deducted, only the " remaining statement balance '' amount. And once again I was charged interest. 

This time, I contacted Citi via email and told them the whole story, including the fact that I captured screen shots of the payment process proving what I say. I referenced the live chat I had with their agent last month. All I received was a canned response not acknowledging anything I said and not offering any resolution. At least this time they did n't try to lie to me about a glitch. 

How many millions of people are they ripping off this way?

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 06-02-2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I took out this loan a long time ago when I was working on my XXXX degree. I recently about a XXXX ago finished my XXXX Degree. I have a private student loan with Wells Fargo. I explained to them that as of right now the XXXX dollar monthly payment would not be feasible due to unexpected expenses that came up. They offered me a XXXX month forbearance which they went back and forth people telling me different things and I think I received XXXX month forbearance. I asked if there is anyway to get my payment lowered for a while because I definitely want to make my payments but I just ca n't afford what it is set at now. They said no there is nothing that they can do to help me, they can not lower the payment and that I just have to deal with my payment amount and make my payment. I ca n't believe that there is no help for me whatsoever. Is there anyone out there that can help me? Wells Fargo never wants to help you, it is always your fault, I just need it lowered for a while so that way I can make the payments on time. Please let me know if there is any help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (IN).
Issue: Money was not available when promised

Complaint: I sent {$220.00} on XX/XX/XXXX and my friend contacted me the next day at XXXX letting me know that they did not receive the money yet saying that Western Union said that there was a problem so when I got word of this on XX/XX/XXXX I checked the status and it was saying that the money was paid out on the XXXX at XXXX XXXX. and XXXX Colorado and I do n't know how I have to pay is that possible when I sent the money to XXXX XXXX across seas and therefore it was picked up here in the United States so there for somebody that works for this company is stealing money and I want to I want it to be known and I need a refund somebody to reach out to me as soon as possible I can be reached at XXXX or through email at XXXX XXXX XXXX at XXXX my name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (I do not know) with Commercial Recovery Systems (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Received a voicemail from the telephone number XXXX and this is what it stated " Hi this is XXXX XXXX calling with the Department of Civil Processing here at XXXX XXXX XXXX. I 'm calling for ( my full name ). ( My first name ) This is your final notification regarding case number XXXX. Now due to your negligence to respond and attempts we have made to contact you, the Department of civil processing is now deemed you non-compliant in our district policy at this time you will be placed on a schedule for your hearing. We hearing back later at ( my address ). You will have to sign for them and appear. Any questions or concerns I can be reached directly at XXXX. '' This is the 2nd voicemail this week from different number and I also received a text message with my ssn from an XXXX number, stating I was going to have legal actions against me. This is becoming a weekly ordeal as well as they are calling members of my family by getting their phone numbers from online.

Company response to consumer: Untimely response
Consumer complaint received 09/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Citibank sent XXXX checks for {$29000.00} to another party without my authorization and added these charges to my account. XXXX of the accounts they added this balance to was a closed account with a zero balance. This is fraud beyond belief.

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 07/21/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Apparently, I have three " Signature Student '' loans ( private ) with Navient. I started getting calls from them about 2 years ago saying that I was in default on my student loans and I had never heard of them before so I tried to check the validity of their claim. I could n't get much information to verify that I owed them money but they harassed me 24/7 and I knew they were a student loan servicer so eventually I agreed to make a payment arrangement with them. In XXXX 2015, I agreed to make a lump sum payment of {$1800.00} over 5 months ( which I was told was 10 % of my total balance ) in exchange for them forgiving a portion of my balance and reducing my interest rate to zero. I also agreed to pay $ XXXX/month after the initial 5-month period. I made the agreed upon lump sum payments then began paying the agreed upon $ XXXX/month. I continued to get more calls from Navient claiming that I was still in default and explained that I had made the above arrangements and they confirmed that they had received those payments. They then told me that the Navient representative that I made the payment arrangements with only applied the payments to one of my loans and I actually had another loan that they didnt tell me about. So, I agreed to another $ XXXX/month payment for that loan and they agreed that any loan that they held would receive the benefits of my payment arrangement and monthly payments. Two years later, I am still getting calls from Navient saying that one of my loans in delinquent even though they show that I am making payments. They are also reporting my loans as delinquent to the credit bureaus! When I log in to their website, the first thing I see is that my loans are past due, then directly below that, they show the payment history of my payments being made on time ( through automated debit ) EVERY SINGLE MONTH! I dont know what the heck they are doing with my payments! My interest rate was reduced to zero but they never forgave any of the balance like we agreed to and they are ruining my credit and harassing me non-stop! I tried to mark this an inaccurate on my credit report but Navient just fights it and says that it is accurate and I have no recourse! Im at my whits end with this company and theres seemingly nothing I can do about it!

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Debt collection (I do not know) with Convergent Resources, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company called " Convergent Outsourcing , Inc. '' continues to send letters requesting payment for {$1100.00} for an account I never had and purchases I never made. I have never heard of this company or the merchant they claim to represent. I believe this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Atlantic Credit & Finance, Inc. (CO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I had recieved a call from a debt collector in regards to a piece of furniture I co- SIgned on for my roommate and I at the time. We had parted ways 3 months after purchasing it and the other party kept the couch. In XXXX, I reviewed my credit score and saw the account on the couch was closed and {$XXXX} balance. Now a debt collector called, did not say what company he is working for and said if I did not pay right now I would be sent to an attorney and sued. I tried making payment arrangements but he would not work with me, He said this company has tried reaching out to me so I asked him to tell me when the last couple of times they tried and he told me " I am not wasting my time pulling up that stuff '' After that, he went silent and kept asking when I can pay and telling me " I don ; t want this sent to an attorney because I have no idea how bad it was going to get '' He would not tell me what attorney and if I paid something today we could set up payment arrangements in the future which seemed fishy. After that, I tried to calm him down and see if he would work with me but everytime I questioned something he said he would become aggressive and start asking for a payment 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 non-monetary relief
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: First name :  XXXX  Last name :  XXXX  D.O.B: XX/XX/XXXX  Last  XXXX  digit of mySSN #  XXXX  Primary phone: XXXX  email :  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , NY  XXXX  My car  XXXX   XXXX   XXXX   XXXX  #  XXXX , was  financed  by  XXXX   XXXX   XXXX  LOCATED AT  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX , CONTACT: XXXX , The original  loan  of my car was {$32000.00}. Loan account number #  XXXX .   I am complaining the loan never been reported to any of the credit bureau  XXXX ,  XXXX , Transition. Unfortunately i 've tried to resolve the issue with   XXXX   XXXX   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 11-11-2015 about Bank account or service (Checking account) with SCOTTRADE BANK (MO).
Issue: Account opening, closing, or management

Complaint: After my complaint to ConsumerAffairs on XX/XX/2009, I have filed my complaint to SEC on XX/XX/2009 to get their attention, because what Scottrade did might cause their customer loss like me. After Scottrade rejected my request for their response in writing ( They said that they only give me when SEC inquiry to them ), I faxed my written request to Scottrade branch and ask them to forward to their compliance department for writing their response. 

I have sold some of my stocks on XX/XX/2009 and sold all rest stock on XX/XX/2009. Those fund about {$3000.00} from sold stocks on XX/XX/2009 should be available in yesterday ( XX/XX/2009, XXXX ), but today ( XX/XX/2009 ) I have found that my fund is still not available to me due to Scottrade freezing those fund. I called Scottrade branch and they said that those fund should have available but then they changed to that my fund, including those sold on XX/XX/2009, will only available to me on XX/XX/2009 ( XXXX for my XXXX stocks selling ). 

Scottrade freezes all my fund without any legitimated reason. And I plan to pull all my fund out and to file a second complaint to SEC. I believe that this event should let all investors know, therefore, I file this complaint to ConsumerAffairs again.

Company response to consumer: Closed
Consumer complaint received 01/23/2018 about Debt collection (I do not know) with Ditech Financial LLC (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: DiTech Financial LLC is trying to collect a debt that is not mine. Harrassing phone calls and letters. I am sending a certified letter today including the Fair Tade Debt Collections act. If they do not stop I will be seeking legal counsel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 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: Back in the end of XXXX, beginning of XXXX I filed a complaint about this loan which they say is mine. When I try complaining, all the credit bureaus do is try to get me to admit it 's mine. At the time this loan supposedly took place, I was freshly out of the hospital from my XXXX XXXX. I 'm still XXXX XXXX XXXX XXXX XXXX, and the dmv had revoked my drivers license for medical reasons. I called XXXX XXXX XXXX  and explained to them, but they did n't want to hear it. I wanted them to show me the contract that I signed, that would have proved it was n't my being that I 'm right handed. After hearing that I had complained they closed the account, the original opening date was X/XX/2013. The item still appears on all three credit bureaus, and I want it off.

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