milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Transworld is representing XXXX in a collection claim that I owe over {$1800.00}. The charge is for a {$25.00} per month instrument rental in late XXXX and the last bill I viewed was for under {$200.00}. The instrument was lost and then found. I returned it in good condition to XXXX in XXXX XXXX. I have receipt of return. I asked for an itemized bill to view the charges, and Transworld replied they do not have one. They said they will try to get XXXX from XXXX but can not advise if or when they will have a summary of the charges. Transworld refuses to provide direct contact information to me so I can have a legal representative request a bill on my behalf in writing. I asked for an email address or contact name an phone number so I can have my lawyer request the information and Transworld 's response was : give me your lawyer 's name and phone number and we will call him ( XXXX XXXX with Transworld ). I called back and gave the answering rep. my lawyer 's name and the new rep refused to discuss the matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I HAVE REPORTED TO THE CREDIT REPORTING AGENCY 'S THAT I WANT TO HAVE MY BANKRUPTCY 'S REMOVED DUE TO THE FCRA SECTION 1681 A SECTION 5 YOU MUST DELETE MY BANKRUPTCY 'S FROM MY REPORT DUE TO THE FACT THAT IT IS A CASE THAT NEVER TOOK PLACE AND THAT WAS ALREADY ADJUDICATED IT IS DEEMED NONEXISTENT ALL CASES IN WHICH ARE ON MY REPORTS THESE CASES THAT WHERE NEVER FILED AND OR ADJUDICATED SO I WANT THEM REMOVED BY THE COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: My account was charged several overdraft fees totaling {$260.00}. My begining balance started at {$100.00} with a transactions totaling {$110.00} which is a difference of {$11.00}. I had an ending balance of {$42.00} and was then charged the first Overdraft fee of {$100.00} that the bank then deducted the {$42.00} from my available balance and applied it to the overdraft and left the overdraft fee at & XXXX. I contacted the bank regarding my concerns and was promised a credit back of {$36.00}. This is basic math only on overdraft fee should have been applied to the account. The fees are not stated line by line only the dollar amount therefore I dont even know what they are actually charging for. This is the second time this has happens with this 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 05/14/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I have an issue with Ocwen Loan Servicing. I lost my job XX/XX/XXXX due to illness, and have been working as hard as possible to make the mortgage payment since. On XXXX XXXX, I filled out the paperwork for a loan modification. I called Ocwen XX/XX/XXXX to find out what I needed to do. I received a letter stating that my profit / loss statement was invalid because it was not signed ( I own the business ) .The female I spoke with said I had been approved for a HAMP modification, which I knew nothing about. I told Ocwen I had not received any paperwork. She emailed me the information, which I received on XXXX XXXX. I was also set up with a phone meeting with my Ocwen loan representative, XXXX XXXX on XXXX XXXX. I did receive a phone call from Ocwen on XXXX XXXX, but not from my loan representative. I stated that I had read the information and would like to move forward with the HAMP modification. I was told it was no longer an option because I had missed 2 of the trial payments, XX/XX/XXXX and XX/XX/XXXX. I politely told the gentleman that I had not even received the information on the modification until XXXX XXXX, and that there was no way I could have made a payment on XXXX XXXX, when I was n't even aware I was approved for the modification. He had no answer for this, but insisted I send a signed profit / loss statement to them. They had asked for the last 3 months, in my original modification filing on XXXX XXXX, I had given them the last 3 months plus my entire XX/XX/XXXX profit / loss statement. I explained to the man that I owned the company and the statements were generated by my accounting software. He instead asked for an email with XXXX numbers on it, gross income, business expenses and net income. My statements had all XXXX. He then set me up with another phone meeting with my loan representative for XXXX XXXX and I have yet to receive any information on modification programs. This is just the latest issue with Ocwen. I have our small mortgage which was originally a line of credit in collections. I attempted to pay it up to date by sending them a check which was less then XXXX, they held the check until the next months payment was due, then returned it saying they needed a certified bank check, which no where in my original note does it give them permission to demand a certified check. I have called them to complain about " inspection fee 's '' listed on my statement. My next statement would have the same amount listed as " Other Fees ''. They said it was a drive by inspection, but when I asked them if the home was under construction or not ( it is ) they could not answer. They have claimed to have sent certified mail to the home, but can not produce a signed mail receipt. The address on the statements is not even the correct mailing address. I am at wits end with them and am very afraid that their goal is to make it almost impossible to pay my mortgage resulting in foreclosure. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: EquiFax just had all its data ( 1.43M people impacted ) bleached to the hackers. Now the hackers have all the critical information needed to open accounts, apply for mortgages/loans, and so on and so forth. This caused me tremendous trouble and inconvenience. Yet the CEO of EquiFax only issued a light-hearted annoucement, trying to downplay the impact of this devastating disaster. What is more, the top executives sold their stocks before this was reported to the public, which is a typical example of inside-trading. I would like EquiFax executives to compensate our losses.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (I do not know) with Big Picture Loans, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter via US Postal Service from " Big Picture Loans '' on XXXX XXXX, XXXX stating that 1 ) I borrowed {$1000.00}, and 2 ), I owe {$950.00} in interest. Also states they have sent me multiple notifications regarding delinquent payments. I attached a copy of the letter to this complaint. 

I have never entered any business agreement with them. I have never borrowed money from them. I have not received any prior notifications. This appears to be an official document, and a search of the internet does have them as a payday loan company with various prior names and a very bad reputation. I did not log onto their website for fear of this being a scam and/or a front for infecting my computer with a virus. For the same reasons and based on their lousy reputation I did not contact call them nor send an email. 

Big Picture Loan 's address is : XXXX XXXX XXXX XXXX, MI XXXX Phone number : XXXX email : XXXXXXXXXXXX XXXX URL : www.bigpictureloans.com

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (MD).
Issue: Struggling to pay mortgage

Complaint: We believe to have been victims of predatory, discriminatory and almost fraudulent treatment from Wells Fargo on a loan we received for {$89.00}, XXXX in XX/XX/XXXX. To start it was not a lone we asked for, but one they called on to offer, as we were excellent customers with a great record, once we accepted the loan the bank officer only wanted to work with my wife because " the paperwork was easier ''. She put her down as XXXX when she is not. When we suffered a catastrophic financial situation and told in XX/XX/XXXX with the aim of getting help with the mortgage, we started a nightmare process with them that has lasted 8 years and continues. They said they wanted to help, but their actions show that is not the case. All they have been interested in is finding ways, of dubious almost fraudulent nature to increase their fees and other charges. They did n't tell us for years their investor did n't participate in the Home Affordable programs and when documents for a workout it was under this program. In XX/XX/XXXX they asked us to return some pages of a Loan Modification document, where we had questions so they could review it before we signed it, but they never called back. When we finally reached them, they told us we were no longer considered as we had rejected their offer. ( False ) They dragged it on for months, when they sent another " offer '' its was way more expensive. We explained everything to a supervisor, she investigated and found the bank had mishandled the account, offered to rework the documents as she wanted to help. We never heard back from her, No explanation ever given. All years after always offering under the Home Affordable program when they knew it would work. Their offers keep getting more expensive to their benefit. If they did n't want to help we would have done something else with the property earlier. Its a property we bought in XX/XX/XXXX. We were forced to file Chapter XXXX, to save the property and se if we could get a workout, this before we knew the investor did not participate in the program. While in Chapter XXXX one of their lawyers files a false claim charging that we had n't made any payments, with the aim it seems of getting the Court protection lifted, so they could go after the property. And on and on. I can go for ever its been 8 years of dealing with a most dishonest institution. They have never explained properly what type of loan they gave us. certainly not one for excellent customers as we were. All we ask is that they lower the interest from almost 7 percent and transfer the outstanding balance to the end of the loan.

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 11-06-2016 about Debt collection (Medical) with Collection Information Bureau, Inc. (MA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I 've mailed this collection company several letters of my XXXX and exempt for collection. The account they all about is not my obligation that of XXXX county XXXX which I had at the time of these charges were incurred

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I have tired to correct information on my credit report. I have disputed it with both the Bureaus and the creditor. They have not properly investigated and resolved my issue. Bank of America Mortgage begin a modification process on my XXXX and XXXX mortgage at the same time XX/XX/XXXX. After complying with the terms and paying the trial modification my XXXX was modified permanantly in XXXX but my XXXX was not. I constantly asked Bank of America the status, they said it was still working, I continued to pay the trial payment, then XX/XX/XXXX I got another notification that my XXXX mortgage was under trial modification, Again I continued to pay it on time and XX/XX/XXXX the XXXX became permanant, almost 1 year later. Bank of America reports that I was 120 days late and that I was late on my XXXX mortgage since the trial began. They corrected this on the XXXX mortgage but not on the XXXX. I made payments as agreed and yet the report is not an accurate reflection of what happened. I never got an explaination as to why the XXXX mortage took so long. But with the XXXX, Bank of America Reported that I was on time from the start of the XXXX XXXX. In addition when we started this program - due to job loss- we were told there was nothing that cold be done until we were behind. I would like to have my credit reports reflect as paid as agreed on my XXXX mortgage from XX/XX/XXXX until now. I have attached documetation showing my payments, the agreement and the impact on my credit report. Please HELP I have sent endless disputes to Bank of America and The Credit Bureaus to no avail. This really hurts my ability to get back on my feet, since the modification, we have been able to make payments and straighten out our financial lives, this inaccuracy does have devastating impact.

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 11/18/2016 about Bank account or service (Other bank product/service) with WEBSTER BANK, NATIONAL ASSOCIATION (NC).
Issue: Account opening, closing, or management

Complaint: HSA Bank delayed closing my account for over 6 months and continued to charge account maintenance fees. I sent a transfer form to HSA Bank on XX/XX/2016. HSA Bank acknowledged in a phone call with me on XX/XX/2016 that they received the form on XX/XX/2016. During the XX/XX/XXXX phone call, HSA Bank said it would take 4-6 weeks to transfer my funds out. The funds did not transfer out. I called back on XX/XX/2016 and HSA Bank said it would take another 6-8 weeks to transfer out. HSA Bank finally transferred out my money on XX/XX/2016. HSA Bank never indicated there was a problem with the transfer, they just delayed it for 6+ months and continued collecting fees. These were investment funds at HSA Bank and at the new bank that I transferred the funds to. In the time from XX/XX/XXXX to XXXX the investment ( XXXX ) increased in value by over 13 %. HSA Bank 's delay cost me over {$1300.00} in return on investment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-02-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting a mortgage that is not mine and it has negatively impacted my credit and ability to receive loans. I have asked them to expedite the dispute but they refuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Good morning, Im writing to complain about XXXX and Experian not removing a public record. I called to verify with the courthouse in XXXX, Ga and spoke with two reps, XXXX XXXX and XXXX XXXX who told me that the Us court does not report bankruptcy to the credit bureaus. I reached out to all three bureaus sharing this info with them and asking them to remove the bk. XXXX removed it however the other two claim they verified the info thru a third party. I have since contacted this 3rd party (  XXXX XXXX ) on three different occasion to see if either XXXX or Experian called and verified this public record and all three times they said no. XXXX, XXXX and XXXX are the months ive sent three different letters to these two credit bureaus asking them to remove these public records due to it damaging my credit profile. In XXXX I was turned down for a mortgage due to bankruptcy. If the Us bankruptcy courts say they do n't report to the bureaus why is it being allowed to damage my credit profile on XXXX and Experian. Please assist me in getting these records removed.

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 04/17/2016 about Consumer Loan (Vehicle loan) with MARINER FINANCE, LLC (FL).
Issue: Shopping for a loan or lease

Complaint: I paid my loan on XXXX XXXX and it 's still showing up negative when I actually paid up until XX/XX/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 01/29/2016 about Debt collection (Federal student loan) with Progressive Financial Services, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have run my credit and it is show XXXX separate loans when I 've consolidated them into XXXX. Progressive Financial Service , Inc. is the XXXX handling my Collections. They refuse to show me my agreement to pay XXXX $ monthly deducted from my checking account. They are reporting to the bureau I owe over {$23000.00} when I only owe {$12000.00}. I have document to prove my amount owed. They refuse to remove me from a definition of their own policy to help me re-rehabilitate myself credit wise. They refuse to understand life situations and recognize my yearly attempts to pay them off. This is affecting my lively hood and any future attempts to purchase anything for my family. I dont know what else to do. Please help me. If I could work with another creditor I would. If there is any information you can provide I would greatly appreciate it. 

-XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 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: We consigned a loan for our nephew from Navient. He lost his job and was out of work for a period and he fell 7 months behind in his payments. Navient sent me a demand letter. I called and spoke with a Navient collections agent. He told me that if I made the account current, once the transaction had been recorded I could call up customer service and get his payment down to something he could afford. After I made the payment, and it was recorded, I called customer service and was told I would need to apply for a hardship adjustment, but both us and my nephews finances would have to be approved for a hardship case. If we do n't qualify, the payment remains unaffordable for my nephew. I was never informed about applying for a hardship, he made it sound like it was a quick phone call, and we would be all set. I feel like a collections guy needed to make quota, so he would say anything to get my credit card number. I requested a call from their supervisor, but that has n't happened yet. 
If this loan was reduced to the {$70.00}, 30 year, 1 % that the collection guy told me, my nephew would be able to make the payments, and when he gets more income, would be able to increase the amount. I just want what the collection rep at Navient said we could get.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Mortgage (Home equity loan or line of credit) with NAVY FEDERAL CREDIT UNION (PA).
Issue: Credit decision / Underwriting

Complaint: I applied for a Home Equity line of credit through Navy Federal Credit Union. They completed an appraisal. My loan officer assigned was XXXX XXXX. I had to leave repeated voice mail messages with XXXX which I received no response. After multiple attempts to reach XXXX, he told me that my loan was denied due to underwriting guideline he stated was provided by the Federal Government that individuals require two years of self employment to be eligible for a line of credit, despite providing business tax returns and current business financials. This is arbitrary decision to refuse to use my self employment income when Navy Federal Credit Union offers small business loans for new businesses. I also believe that XXXX 's complete lack of customer service was shameful, and his refusal to answer calls or respond after two months is an absolute embarrassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and have been a victim of identity theft for over 11 years. The following  2  accounts and credit inquiry are fraudulent :   XXXX   XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX   XXXX ,  XXXX / XXXX /  XXXX  ,   XXXX   XXXX    XXXX   XXXX ,  XXXX / XXXX /  XXXX  , Further, I want the following personal information added to my credit report : Employer :  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , ND  XXXX , Phone :  XXXX  Position :   XXXX   XXXX   XXXX   XXXX   Annual Salary : {$150000.00}

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 non-monetary relief
Consumer complaint received 03/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: US BANK keeps reporting a fraud account on my credit report that does not belong to me!! I have been trying to get this matter resolved for years now but they ignore my communications and will not address nor help me to resolve this. the account was opened in XX/XX/2014 with a balance of {$6600.00}. this is not my account nor was it opened by 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