milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
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: CFPB Complaint  XXXX  : transunion indicated the credit cards identified as identity theft in those complaint were removed from my credit report. Current copies of my credit report still show the fraudulent credit cards on my report. Additional complaints and investigation requests do not result in any changes or complete investigations. I request a complete copy of all investigations completed and reasons for not removing the fraudulent accounts 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 06/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I received the results of the Transunion investigation about XXXX XXXX 2016. Today, a few minutes ago, I contacted TU customer service because the results notice had no phone number for me to call to find out how I can request a description of how investigation was conducted with business name, address, and number of source of info. Also I have no idea how to add a XXXX word statement to my credit report. The TU customer rep said TU has no info about the investigation and I should call the CFPB.

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 07/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I ordered phone and internet from XXXX years ago, they were not able to provide the service to my house in accordance with the agreement to me getting the service. It was something about the phone lines on the poles outside being too old. Since nobody was on that pole, they did n't want to put a new one in just for me, so my service was terrible, it did n't work. 
I called and they agreed to cancel it. We parted ways. I got service that cost me more from a different provider. 
Then they started calling me a week later saying that I owed them since we had a contract for when I signed up. I explained that they could n't provide the service, no sense in me paying for something I am not getting. They were threatening and intimidating me, saying that they have a signed contract with my signature and me on voice recording agreeing to their terms. I got irritated and told them to take a hike, and hung up. They would call and I would try to reason with them, explaining that I do not have any of their equipment or service. 
These tactics of verbal intimidation and agressiveness continued for a few months and then stopped. 
And then the collections agencies started calling. I simply told them to validate the debt within 30 days or take it off my credit report. None of them to this date have provided me any validation of the debt, I have yet to see one bill or anything that shows I owe what they say I owe. They have sent me a copy of my first bill, which I paid, because they gave it to me a few days after install, before the service was cancelled. 
So this " debt '' was sold or transferred around to several different debt collectors until it ended up with AFNI, who is now reporting it against me on my credit. I can see on my credit report that it shows that it is still in dispute, since XXXX 2014 when I last talked to them. They need to take it off of my credit report. This is unacceptable. They have had plenty of days to provide validation of the debt. It is unfair to continue to pursue bad debt. These are bullying techniques. I do n't see how this is allowed. If a company sells off bad debt and then the buyer finds out, they ca n't hold that against the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Debt collection (I do not know) with Navient Solutions, LLC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We have received phone calls on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 from this company and I continue to call them right back to have our numbers removed from their system. They continue to tell us it will be done and they continue to call the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (MD).
Issue: Trouble during payment process

Complaint: I obtained a home mortgage through a non-profit housing agency called XXXX XXXX XXXX. I made my payments through a mortgage servicer named XXXX , XXXX. I fell behind on my payments because my husband was in 3 serious car accidents and XXXX XXXX. We incurred thousands of dollars in medical debt and were working with XXXX, XXXX On a loss mitigation that was supposed to be effective XX/XX/XXXX. In late XX/XX/XXXX, I received a notice that the XXXX XXXX XXXX had sold my mortgage to a new servicer called XXXX. They are out-of-state and do not have area offices. I tried to register for an account to access their online system to understand what was going on, but received an error message because they have no record of my loan. I then called XXXX three calls and spent a long time on hold each time before I could speak to a human. XXXX is like a black box when it comes to accessing information or assistance, but has been very effective at sending 2-3 delinquency notices a week ( including 2 letters yesterday ). I was finally able to speak to a loss mitigation specialist this week only to be told they dont have any information. They have not received my files and asked me to contact XXXX to obtain the files myself since they might not have them until XX/XX/XXXX. The trouble with this that my loan will remain in collections and I will not be assigned a loss mitigation counselor until I receive it. The bigger concern is that even though my modification had already been approved by XXXX, they are treating my loan like a delinquency. My modification will now need to be reviewed and approved by XXXX. This will further prolonging the issue that I had already taken each and every painstaking step to resolve through the appropriate channels. I contacted the XXXX XXXX XXXX ( XXXX ) and asked them to address the Commissioners to let them know how disappointed I was that they sold my mortgage to an out-of-state company that only allows FHA recipients to make payments through the mail and not electronically, and that my loan modification fell through the cracks. XXXX instructed me not to and has been sending me emails that include their executive staff. This is very intimidating and it feels like now they are punishing me by telling me I did not comply with the terms of the agreement when I have not received any letters from XXXX, XXXX, XXXX, nor HUD telling me as much. All I want is to put the ordeal of my husbands medical problems and delinquent mortgage behind me. I have done everything right to make this happen, and am challenged to understand why Im suddenly back at square one with XXXX. I want to pay my XX/XX/XXXX mortgage payment and I want to stay in my home.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan servicing, payments, escrow account

Complaint: My ex-husband ( XXXX ) and I took out a mortgage on our home in 1989 with XXXX. The mortgage still remains on the property. I have been trying to track down who the mortgagee is now. I have been unable to locate it. The Registry of Deeds still lists The XXXX as the mortgagee and there are no subsequent assignments. However, XXXX is no longer in existence. It is my understanding that XXXX was succeeded by the XXXX XXXX XXXX then XXXX XXXX and eventually Bank of America. I have reached out to Bank of America and they claim to have no record of the mortgagee. I would like to find the current holder of this mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NV).
Issue: Account opening, closing, or management

Complaint: I opened up a citigold bank account using promotional code XXXX in XXXX of this year, in order to receive a bonus of XXXX American advantage miles, I needed to Make at least {$1000.00} in purchases using your debit card and set up bill payment for 2 consecutive months, which I did. I inquired and received this message : Date : XXXX Account Number : Interest Checking XXXX Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Good afternoon. Welcome back to Citibank Online messaging, my name is XXXX. Thank you for your messages regarding our promotion. I will be happy to assist you. 

We regret any inconvenience this has caused as it is never our intention to delay incentives for promotions. I have submitted a request to ensure these points are awarded to you in a timely manner. However, we will require a review of the requirements and eligibility to confirm. 

Summary of Required Behaviors : XXXX AA Miles Open a new Regular Checking account in The Citigold Account package by XXXX/XXXX/16. 
Then, within 60 days after account opening : the required minimum amount {$1000.00} of purchases using the CitibankDebit Card must be posted to the new checking account AND XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. I deposited over {$100000.00} in the account and met the requirements. I was then told that I was not a targeted client and was not eligible for the miles, although i did receive an email, opened the account using the promotional code above, and meeting the requirements, if I was not eligible for the bonus, the application should have rejected my application using the promotional code. I would like to have the XXXX aadvantage miles credited that I believe I am entitled too.

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 02/20/2018 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: sold off and no contract

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Making/receiving payments, sending money

Complaint: I was renting a car from XXXX. They have changed over the years, but that 's another story. I tried to get a monthly billing and tried to return the vehicle a number of times. I bank with Wells Fargo. Apparently, XXXX decided to charge me all at once a month while we were still in negotiations. I did not have enough money in my account for a XXXX charge and did not know anything about the charge. Wells Fargo paid that amount and overdrew my account. I complained and went ballistic. They gave me what they called a temporary credit. They just took the temporary credit from my account and overdrew me again. I am now overdrawn XXXX. This is my question, clearly this is their fault. They block transactions all of the time and make me call for approval on much smaller transactions in my daily life, how on earth did this happen and how am I at fault. They could have made arrangements with me to pay back the temporary credit in small increments over the past several months, but instead they broadsided me again. My account has also been hit about three times since I have had this account. I have been a customer since XX/XX/XXXX. They definitely back corporate charges to my account over my welfare and I have told them that in writing. The retail banking system is not American no matter what anybody says and has to stop. It 's my money. Why am I fighting and arguing over my money. I want to change banks but I am so afraid being treated the same way. I was by BofA to the tune of a settlement in my favor. I am sick of fighting for my money and I do not have much to fight over. 
Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Problems when you are unable to pay

Complaint: I have an auto loan with Wells Fargo Bank. I have made consistent and on time paymets for the past four years. I have always paid more than what my monthly payment was. My loan amount balance is less than {$1500.00}. Over the last three months, my employer was purchased by another organization and they did not want to keep me during the merger. I fell behind on all of my bills but now have a new job and I am trying to get caught up. I am only two months behind on my auto loan. I have explained my circumstances to Wells Fargo on several occasions, but they continue to call me, my new employer, my family members and even former roommates that I have several times a day to collect a debt. Everyday I speak to them, I ask them to please hold off for one more month so that I can catch up on my auto loan. They call from several different phone numbers all throughout the day, even after they have already spoken with me that day. If they reposess my vehicle, I will lose my new job because I will not have a ride to work. I have begged and pleaded daily for the last month for them to please wait until I get caught up, but they will not. Everybody at my job laughs at me because Wells Fargo keeps telling my new coworkers that they arw attenpting to collect a debt, they even ask my fellow coworkers and family members if they will make a payment on my behalf. I just need one more month ro get back on track with my payments but Wells Fargo will not be sympathetic, despite my outstanding payment history. This issue is also occuring with my Wells Fargo Credit card. I have also been charged several overdraft and NSF fees from Wells Fargo drafting my wells fargo auto loan and wells fargo credit card payments from my wells fargo checking account. I have asked them to stop but they say that it will keep drafting. All of my accounts mentioned in this statement are with Wells Fargo. They are completely able to see that I do not have the money in my checking account but will still draft the payments and then charge me overdraft and NSF fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: These problems with the Credit Reporting companies were previously reported and CFPB reported that the Credit Reporting companies were contacted and offered responses and my Complaint was now CLOSED. The  Credit Reporting companies did not corrected or removed the incorrect information ; ( 1 ). Adverse Ac counts "   XXXX    XXXX  '' (  2 ).  Satisfactory Accounts "  XXXX   XXXX  /   XXXX   XXXX   '' the account was closed in  XX/XX/XXXX  however the company did not post it CLOSED until  XX/XX/XXXX  the  Credit Companies are  reporting an ok Rating from   XX/XX/XXXX thru  XX/XX/XXXX .   This account has been requested to be removed many times. I truly would like these issues corrected once and for all I do not appreciate having to continue to file Complaints for issues that CFPB has claimed were addressed and corrected. Even with an attorney I have been unable to get the  Credit Reporting companies to properly address and correct the issues. It appear that I may be forced to seek justice in a Federal Court.

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 12/26/2016 about Bank account or service (Checking account) with IBERIABANK (FL).
Issue: Account opening, closing, or management

Complaint: I was Told Buy Iberia Bank To provide Information From XXXX to verify that previous Matter Have been resolve and nothing negative to report did so in a respectful manner they made spend my hard earn money faxing over them the documents from XXXX .After they information was receive they told me they will not open my account because of fraud or anything negative from other banks its because I have to many inquiries and the account sales man said I quote " I do n't feel comfortable opening accounts " I said why he said to many inquires and I 'm just not going open them I said you made me spend my money faxing you XXXX documents and your not going to open them he said no sorry about that so bye '' Wow '' So this your customer service department Iberia Bank you can let your employees determine the judgment and discrimination base on their own agenda after I qualified for A bank 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 10-03-2017 about Debt collection (Medical debt) with FirstPoint Collection Resources (NC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Company: First Point Collection resourcesOriginal creditor: XXXX XXXX XXXX XXXXEveryday I receive 2-3 calls about "debt owed". I have nicely asked them to stop calling and the calls have not stopped.The calls started in XX/XX/2016an continue until present. I never authorized XXXX XXXX to release my account to a 3rd party which is violation of hippa. REMOVE MY ACCOUNTS FROM YOUR SYSTEM.The following amounts are being requested: XXXX, XXXX, XXXX. REMOVE THESE ACCOUNTS I NEVER AUTHORIZED FOR A THIRD PARTY TO HAVE MY ACCOUNT INFORMATION!

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (GA).
Issue: Managing the loan or lease

Complaint: I took out a loan with One Main Financial for {$7500.00} around XX/XX/XXXX and in XX/XX/XXXX, the company did a deferment payment without my consent. But, my main problem is the amount that they put towards the actual balance of the loan. My monthly payments are {$270.00} each month and from XX/XX/XXXX to XX/XX/XXXX, nothing from the amount I paid was applied to the balance. The first payment of {$92.00} was applied to the balance on XX/XX/XXXX. They did another deferment without my consent in XXXX. I was confused. On XX/XX/XXXX I made a payment of {$300.00} and nothing went toward the balance. On XX/XX/XXXX I made a payment of {$150.00} and nothing went toward the payment. In my opinion, this is criminal. I do understand that I was in need of financial assistance at the time and things were difficult but I have been paying this bill over a course of 2 years and I still have a balance of {$6300.00}. There is something that should be done to balance out. I do understand about interest and that the company has to make money but I find this to be unjust. This is taking advantange of people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit card () with U.S. BANCORP (WA).
Issue: Closing/Cancelling account

Complaint: I had paid my credit card balance in full and closed the account since I did not find the results of complaint case number XXXX did not adequately resolve my complaint. They have shown for 2 consecutive months that I am over my limit and do not show that I have paid the account balance in full nor closed with positive satisfaction my CC 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 04/24/2017 about Student loan (Federal student loan servicing) with Performant Financial Corporation (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: My wages are being garnished  by Diversified Collection Services Inc. They g ive me a number to call  XXXX , that number tells me to call the  XXXX .  XXXX  tells me to cal  XXXX  and we go in an endless loop. Before my wages were garnished I was never told how much I owe, nor how to get a copy of records relating to the loan, nor how to enter into a voluntary repayment schedule, norhow to request a hearing on the proposed garnishment. My balance has seemingly gone up, even though my wages have been garnished going on 7 YEARS. I just want to know if my balance is going down or how much interest I owe. ANY information at all would be wonderful, but I get nothing. Please help 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 02/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been out of college for well over 5 years and despite consistent and high monthly payments, my principal balance continues to increase and increase. When I question customer reps at Navient on how I can better my situation, i.e lower interest, or consolidate, or make correct payments to make a dent in loans, I never receive accurate responses. This then has months go by where my principal just grows and grows despite my successful payment history. I ca n't get answers from them and I just want to get on with making these payments so that I can be successful in paying them off.

Company response to consumer: Closed with explanation