milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Re : TransUnion Credit file : XXXX I have tried online several times without success to submit the attached dispute with the relevant documents, since the current pending investigation on your system was submitted without the documents to expedited this process. 
Your telephone submission option was not efficient to process said, as your agents appear to have linguistic challenges. I have mailed a copy of the attached on XXXX XXXX, 2016, notwithstanding, I have n't seen any update corrections of said. 
Please see attached a copy of the ledge of the accounts included my bankruptcy and subsequently discharged on XX/XX/2016. 
Please correct my credit reports immediately and advise. Please have the credit bureau cease and desist immediately of reporting accounts for which I no longer am responsible per bankruptcy discharge. 
Thank you. 

Sincerely,

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 08-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (WA).
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: I had a reoccurring charge of {$75.00} per month paid to a medical doctor for monthly visits. I saw my provider last on XX/XX/2017 and the monthly charge occurred on XX/XX/2017. In XXXX of 2017 when I tried to schedule my next monthly visit, my medical doctor 's former shared office receptionist said the provider was no longer practicing and suddenly closed her practice due to a medical condition. I realized the provider never stopped the automatic payments. I contacted my credit card company to dispute the next month 's charge which ultimately was successful. However, unknown to me the monthly charges continued in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on the XXXX of the month. I contacted the credit card company again to dispute the new charges, the processor accidentally logged the disputed amount for {$23.00} versus {$75.00} per month for each of the 3 months. I tried to resolve the error that the credit card customer service rep made when logging my call but the credit card company has refused to correct their error and will not take my revised complaint for the balance of the disputed amount. They state I must contact the merchant directly but I am not able to make contact with the doctor because she has retired due to a medical condition. At no time did I specify a lower amount than the entire {$75.00} per month I was disputing. The error is from the credit card company 's intake staff and not on faulty information I provided. The intake was recorded and could be verified. I feel the dispute process failed me and is making me pay for services I have not received. As a final means to ensure I would not continue to receive future charges from this provider, I closed the card number and received a new card.

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 Payday loan, title loan, or personal loan (Payday loan) with United Debt Holdings, LLC (CA).
Issue: Struggling to pay your loan

Complaint: This company continues to call me at home, cell and work with threatening voice mails indicating they are going to arrest me at work or home unless I call them. I notified them months ago to only contact me via email or us mail per the fair debt collections practice act.

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 01/24/2017 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: I have a home equity loan with Wells Fargo Bank. Beginning with the XXXX XXXX and XXXX XXXX payments I began using bill pay through XXXX. Using bill pay, XXXX {$1500.00} payments were made by me to WFB on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX that WFB received, but XXXX and then began harassing phone calls by WFB. I explained things numerous times to WFB representatives and provided them with the documentation proving that they had been paid timely. They nonetheless asserted late fess. I had them talk to my private banker to resolve things with no success. I asked them repeatedly to confirm that they have not reported late pays to the credit reporting agencies with no success. I have followed up repeatedly about things being resolved with no success. I have asked them to confirm that they had received payment because they then inexplicably refunded the two payments with no success..

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 09-11-2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Settlement process and costs

Complaint: Both my deceased husband and I have asked every company, like Green Light for information about reverse mortgages. We then later found out that people who were with Green Light were loosing their homes ; frantically scared we immediately changed to XXXX Mortgage. Once in XXXX Mortgage, we were promised from the beginning that if anything happened to my husband I will be granted to stay a year in our home. An agreement that we had was for a free consultation, which failed to happen. My husband has since passed away, and XXXX Mortgage transferred the mortgage to Champion Mortgage. I have called for months on end for the MOE Assignment to be transferred to the HUD, yet no one has returned my phone calls, leaving my house to foreclosure. I was given an extension of two 6 months, totalling for a year. I had continued calling the companies in order for the extension of 6 months to go through, but the companies who are assisting this case are not properly following steps for it to take place. Thus leaving me helpless. I was never sent any papers, and the price of the reverse mortgage is extremely high. I was never told there was going to be a lean in the house as well as that when my husband passes I 'll have to pay {$1000.00} each month. I 'm having to spend extra money for legal assistance, I 'm desperately seeking help on this case in any way/ I feel very discriminating as an individual having to go through such things with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (Payday loan debt) with BTH Management (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: For several months now XXXX XXXX have been calling me and threatening me about a payday loan they stated I received. I recently called back on XX/XX/XXXX to get information and amount due but when I ask for further explanation or a supervisor the representative refuses to do as I ask then has actually hung up on me several times and I called backXX/XX/XXXX now when I call back the representative blocked my number I get a recording. I found their website and found a compliance manager email address and emailed him about this situation. I tried to call back and the representative will answer then place me on hold and never come back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Billing disputes

Complaint: Citibank is charging a late fee on top of a late fee on a closed account I paid the first late fee and they refused to remove the secondlate fee even though they can, so I can move on

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 11/25/2017 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: I disputed each account listed below 4 times with XXXX and Experian. They have failed to provide me with additional information and an original documentation i.e. contract with my signature listed on them. 

XXXX XXXX XXXX Amount : {$440.00} XXXX XXXX XXXX Amount {$480.00} XXXX XXXX XXXX/XXXX XXXX Amount {$440.00} XXXX XXXX XXXX XXXX Amount {$490.00}

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 09-02-2015 about Payday loan () with Big Picture Loans, LLC (MD).
Issue: Charged fees or interest I didn't expect

Complaint: On XXXX XXXX, 2015, I took a {$600.00} loan from Castle Payday and agreed to pay a XXXX-time {$150.00} interest on the loan. My XXXX due date was XXXX XXXX, 2015. When I called to pay off my loan I was told that Castle PayDay has withdrawn {$150.00} from my account already, but I was disappointed to learn that I 'll be required to pay an additional {$150.00} plus principal if I do n't pay off my loan on that day. However, the customer service representative I spoke to informed that if I pay off my loan by Wednesday XXXX XXXX, 2015 I 'll not have to pay any interest but just the principal. In fact, she wanted to schedule the one-time off payment but I told her that I will call on Wednesday because I expected the funds will be in the bank by then. 
When I called today XXXX XXXX, 2015 to off the principal ( {$600.00} ), I was told that I have to pay {$750.00} ( {$600.00} plus an additional {$150.00} interest ). I find this interest rate to be too exorbitant ; therefore, I would like CFPB to intervene to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Vehicle loan or lease (Loan) with BMW Financial Services NA, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, 2016 I became aware of delinquencies on my account by BMW Financial Services because of an entry onto my credit report. I contacted the creditor and asked why I was not notified. I had continually checked on account and it would show all payment were being made and was current. I was told that there was an error on the account number, my name was incorrectly printed on contract and the payments were not being processed. I promptly made all payments current with with assurance from the Financial manager that any negative information sent to credit reporting agencies would be removed. Now the company refuses to honor the agreement and have damaged my credit severely.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Settlement process and costs

Complaint: We bought our house through XXXX VA loan ; they sold loan to Ocwen. We sold this house in XXXX XX/XX/2014. Ocwen sent me XXXX final checks totaling {$3500.00}. I did not cash them in time ; they were void after XXXX days. When I called to have them reissued, Ocwen told me that I am no where in their system. I faxed them copies of the checks with my loan number on the checks & Ocwens name. They said they ca n't reissue because they ca n't find me. They also said they ca n't send me my XXXX because they ca n't find me in system. They told me they had a system change over in XXXX XX/XX/2014 & I 'm lost in system???? They have given me no solutions. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2015 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Ocwen has not responded to our request to validate our debt. Specifically, our mortgage was bundled in with several fraudulent activities including, Robo signing, improper disclosure of interest rate calculations prior to closing, illegal handling and reporting of escrow account payments and credits, and improper crediting of payments under federal modification agreements. 

All amounts said to be calculated or previously owed have not been accurately reviewed or proven to be correct. 

A request was made in writing disputing the validity of the debts, calculations or interest, subject to federal and settlements and legal proof to continue to be able to report all facts represented in the consumer credit report. 

This request was certified return receipt and has yet to be answered with any proof or mere correspondence, but continues to be an adverse action on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Bank account or service (Other bank product/service) with CITIZENS FINANCIAL GROUP, INC. (TN).
Issue: Account opening, closing, or management

Complaint: While traveling in XXXX area, I had to pull off the highway to get some cash to use on the Pennsylvania XXXX. I stopped at a Citizens Bank on XXXX XXXX XXXX in XXXX, PA during banking hours to obtain cash. I was required to pay {$3.00} for a " Citizens Bank ATM Owner Fee ''. I am not naive, but a fee amounting to 17 % of the transaction to take out {$60.00} of my money appears to be abusive. I was not borrowing the money. Is this a " Restocking '' fee or " rental '' fee for my use of the machine? There is no electronic transaction fee between XXXX and Citizens that would cost anywhere close to the {$3.00} cost charged for the transaction. It feels like an abusive charge. 
Needless to say, Citizen Bank account holders are not charged this amount. It is ironic that Citizens Bank account holders are only charged 3 % for International transactions made at an ATM while domestic borrowers are charged a flat fee.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (I do not know) with Radius Global Solutions LLC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received MANY phone calls by unknown numbers, often at early hours of the day. ( XXXX may be reasonable to lawmakers, but is ridiculous to me ). These come to both my home and cell numbers. Sometimes these calls can come XXXX times within a XXXX minute time-span. This is ridiculous and unacceptable, hence this complaint. Because I do not know the number, I have no reason to pick up. They should leave a voicemail message, identifying themselves and who they are calling for. This information is never provided. I answered XXXX of these calls from yet another unknown number ( this time at least a company name showed up on caller ID : XXXX XXXX ). The caller let me know this number was listed as an alternate number for my brother. Ok. That 's fine. I can take/deliver a message. Then the caller continued to say that they have been trying to reach him for a long time. I told the caller this is the XXXX message I have received. If a message is not left, this is the XXXX attempt to contact my brother at this number. Then I found out that this company is the one that has been calling and hanging up, with no voice mail message, which has been disruptive and harassing to me. This is NOT ok. 
The caller 's response was that they are not permitted to leave a message on voice mail, by law. 
1 ) if this is true, then the FTC needs to revise the law. I am sure this harassment is happening to other consumers, not just me. I am a law abiding consumer with great credit. I am willing to be the alternate contact for my brother and work with him to help find resolution, if that is what 's needed. However, the harassing phone calls are inexcusable!!! The credit collection company must be able to leave some kind of message. 
2 ) if this is not true and the company is allowed to leave a voice mail message, but instead instructs their employees to frequently dial numbers and hang up until someone picks up, then my complaint is against Central Credit Services. This practice is NOT ok. There must be some way to respect the people at the other end of the phone line ( including responsible consumers like me ) with basic information that does not give out confidential information. Perhaps a message stating " my name is XXXX from XXXX company. I am trying to reach so and so regarding a personal matter. Please call XXXX stating reference number XXXX. " There must be a way to protect responsible consumers, while still allowing the credit collection companies to function.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I have got my social security and birth certificate and California I 'd and my I 'd has been stolen once and my social has been used and does not match my name and I 'm the official XXXX XXXX XXXX my social has been used and misused without my concern and I unexpectedly get random letters or information I have n't applied for but this is my XXXX time I 'm XXXX and I refuse for my life to go down hill for something unusual I 'm not use tootoo. My I 'd has been stolen once in XXXX and my birth certificate got stolen last year of 2014 and my XXXX has been stolen from me last week. So all I have is my I 'd and that 's it

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (Other debt) with Merchants' Credit Guide Company (MN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hello, I was out of work for a year. I paid for a service for coverage for this account. They did not honor that coverage. They have now sent my account to a collection agency, without fairly deducting payment hat should have been paid. Therefore, they have ruined my credit and also applied unfeasible. The balance on he account should be much lower.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have enrolled in Sallie Mae 's interest rate reduction plan to help alleviate some of the financial hardship. Sallie Mae then inaccurately reported that I was 60 days past due to the credit bureau that they report to.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-05-2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX we had submitted the certificate of eligibility for the Sandy Forbearance program to Caliber home loans. After months of calling and asking for a response, they sent us a letter dated XX/XX/XXXX stating they require a Certificate of Occupancy prior to reviewing the loan for the program. On XX/XX/XXXX, when we received our CO, it was faxed to Caliber Home Loans. According to the letter requesting the CO, it states that upon receipt of the requested documentation, a Single Point of Contact representative will contact us to inform us that they have the information required. Subsequently, we will receive a follow-up phone call explaining the particulars of the forbearance. We have not received any phone calls, e-mails or US mail responding to the information sent. In addition, we had e-mailed a copy to XXXX XXXX, as he had requested that an e-mailed copy be sent to him. According to the law, we are eligible for a 12 month forbearance from the date we received our CO. We are facing foreclosure and have been patiently waiting for this offer of forbearance. I have been calling the Customer Service line at Caliber once a week since sending the CO and nobody is aware of any such forbearance. Time is not on our side. We desperately need this offer of forbearance, as we meet the criteria according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (MO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I talked to a rep a few months ago about my Chase Private loans and she said no more interest would accure on account and my payments would be $ XXXX month until account pd off. I told her I needed to discuss with my husband everytime I call back they are not working with me on an affordable plan I was recently offered. 
They are giving me options that are not affordable at all. I want what I was offered so I can start paying on these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech is applying my mortgage payments to corporate advances. I contacted Ditech in XX/XX/XXXX to determine what the advances were and get an itemized detail. To date and over 30 calls, fax requests and written mail requests - Ditech has never provided this information. To keep the account in good standing, I asked them if I could make payments and apply to the mortgage but their system does n't have the flexibility. I am disputing the advances, however any payments would be applied to the advances before my loan. My complaint is I am being charged for a fraudulent services that were never provided or unnecessary and without my knowledge and Ditech is shuffling me around without providing proof of such services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation