milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2017 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: Old information reappears or never goes away

Complaint: TransUnion violated the Fair Credit Reporting Act by not conducting a reasonable investigation as required by the Fair Credit Reporting Act. On or about,   XX/XX/XXXX    , I obtained my credit file from  XXXX   XXXX . I noticed that an account from  XXXX   XXXX   XXXX  was still listed on there, however I believe that the opening date for the account listed was incorrect. Also, I believe the date of charge off was incorrect as well. I immediately sent out a letter to TransUnion disputing that this account from  XXXX   XXXX   XXXX  was time-barred and needed to be deleted from my credit file. TransUnion wrote back stating that  XXXX   XXXX   XXXX  verified that the account was totally accurate and will stay on my file. I then sent a second letter once again asking for the account to be reasonably reinvestigated and also for TransUnion to send me my credit file with all information that they used to verify this account from  XXXX   XXXX   XXXX . I then wrote to  XXXX   XXXX   XXXX  and asked them to send me the information that they had regarding this account but they have not done so. If  XXXX   XXXX   XXXX  did not have the information to verify the account with me, how was TransUnion able to verify that this account was accurate? Who did they speak to? and what information did they look at? Upon my further investigation, TransUnion also listed the account with an incorrect past due balance, inaccurate opening date and inaccurate late payments. I recently applied for a credit card which was declined because of TransUnion 's inaccurate information about me.  <P/> The account I am referencing to is :  XXXX   XXXX   XXXX  Acct #  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 07/13/2017 about Payday loan, title loan, or personal loan (Installment loan) with Special Financing Company, LLC (TX).
Issue: Charged fees or interest you didn't expect

Complaint: Account number : XXXX. I have previously disputed this loan and it was closed unsatisfactorily. I do not have any legal document binding between myself and the loan company yet they keep calling me and trying to forcefully debit my bank account. I attached the loan agreement they used in closing my previous complaint and on top of the sales invoice it says " XXXX XXXX '' as the seller. XXXX XXXX ( XXXX XXXX XXXX ) is the surgeon that operated on me in XXXX of 2015 and not a loan company. I am not obligated to keep paying Special Financing since I do not have any legal signed document between myself and special financing. I have not received any statement of account from them showing itemized payments that were made in the past. Here are a few other complains that I have about this rip-offs : They have been constantly harassing myself and my relatives with several phone calls. This phone calls are embarrassing and should stop. The company in question is special financing company and they are ripping me off every dollar I get with outrageous interest and fees. I received a medical loan of {$3000.00} on XXXX/2015 and they heaped up additional fee of {$2000.00} and the loan keeps going up every day because of their greed. I have proof that the company paid less than {$3000.00} to the surgeons office ( XXXX XXXX XXXX ). I am drowning in financial crises because they have refused to give me an accurate written breakdown of my payments nor did they inform me that my loan of {$3000.00} was going to be bumped up to {$5000.00}. There are also additional hidden fees and late payment charges attached to the {$5000.00}. This is more like a rip off and no one should be subjected to such trauma. I am tired of living in debt to fulfill their outrageous monthly obligations. Please look into this complaint on the fraudulent actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY ().
Issue: Account opening, closing, or management

Complaint: I received an email from Wells Fargo Bank stating that my online password was disabled since it was entered incorrectly XXXX times. This must have been done by someone other than myself. I tried to reset it online but this was unsuccessful so I called Customer Support. I was told that they would NOT be able to help me at all and that I must go to a branch. I live in XXXX XXXX so this is not practical for obvious reasons. The call was escalated and I was told the same thing. I have now left a voice message for the XXXX level and have been told not to expect a call for the next 2 days! I also reached out to XXXXXXXXXXXX and this group responded with the same responce. I have been a Wells Fargo customer for about 15 years and am shocked that I am now unable to access my account which is active. I need someone who can actually resolve it rather than repeating company policy. 

I am very concerned since there are automatic withdrawals from my checking account and a VISA account that need to be maintained.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TX).
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 need your help in order to get in touch with my bank and try to solve my problem. I would like my Wells Fargo Business Card to please investigate all charges made by a company called XXXX XXXX. This company failed to provide the services that I paid them for. I paid them {$1000.00} on XXXX/XXXX/XXXX and also on XXXX/XXXX/XXXX {$5000.00}. I already tried to dispute with my credit card company but I do not appreciate the way they treated me and disregard my wishes stating that was past 60 days. I never got my services rendered and it is very hard to do anything in the first 60 days when the company you paid for the services is stringing you along. Thank you

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 02/22/2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: After viewing a copy of my credit report, I noticed a collection account placed on my credit report from Common Wealth Financial on XX/XX/18. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to  protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I had an agreement to resolve my loan via " deed in lieu ''. 
The loan processor required me to vacate on XXXX/XXXX/15. 
They with held assistance until XXXX/XXXX/15.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: ZOMBIE TITLE Ocwen/Property Tax Liens City of XXXX XXXX XXXX XXXX XXXX Pa Hud was the undersigned of above property XX/XX/XXXX-XX/XX/XXXX They sold homes to Ocwen. From XX/XX/XXXX-XX/XX/XXXX Ocwen wanted to foreclose. Ocwen lost 6 months of mortgage payment cashed the checks but never credited the account. We fell one month behind. Ocwen wanted 2 months then XXXX % of the balance of the mortgage in only 4 months Unserved court dockets led to XXXX judgement ( XX/XX/XXXX ) House went to sheriff sale 3 times XXXX and No Sale! When home was purchased XX/XX/XXXX HUD Inspected. And failed to release information of settlement damage report XXXX XXXX & I XXXX Row house was build on creek and filled with debris from past property XXXX. My husband myself and XXXX minor children moved out XX/XX/XXXX when Ocwens lawyer issued document of eviction. HUD stated Ocwen was foreclosing to move out. XX/XX/XXXX Ocwen sent a realtor to collect keys sign paper to exit cleaned home Payment was {$500.00}. Also locks were changed and property appraised Damage from settlement was {$35000.00} on a {$29000.00} loan Ocwen boarded up home XXXX Never transferred the deed/title on the property. Squatters moved in XX/XX/XXXX used our names lived there XXXX House was stripped of all metals pipes wall busted out to get the pipes. Major ID Theft case to date from squatters. Home deemed unsafe risk of collapse XX/XX/XXXX was demolished XX/XX/XXXX City of XXXX has 16yrs of unpaid property taxes on " Zombie Title '' I found XXXX liens on city of XXXX court site. All signed by administrated Judge that was my x-fired lawyer due to misrepresentation and conflict of interest. We lost everything and are XXXX living with my XXXXyr old Mother. Property is vacant land! It did n't sell in sheriff sale when it had a home on it! Taxes are over {$22000.00} with some years showing errors in which the tax penalty is {$200.00} more then the orginal taxes! No lawyer wanted this case! Most likely due to my x lawyer being a Judge Now he is a PA State Supreme newly elected Judge City of XXXX lost all documents on property

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Late fee

Complaint: Sychrony Bank Care Credit lost my final bill payment ( conveniently for them ) ( for the 2nd time ) and charged a late fee and a service fee -- -- -- -- -- -- This is the 2nd time I am utilizing Care Credit through Synchrony Bank to pay a Dental bill. 

And it is the 2nd Sychrony Bank has denied recieving the final payment and charging me a late fee and a service fee. 

The 1st time I utilized Care Credit in XX/XX/XXXX, I paid the full balance within the 6 months, 0 % rate period and they say they never received my final bill payment and charged me a late fee and a service fee. 

The bill was sent via USPS a week-and-a-half ahead of the due date and should have been delivered on time. 

I definitely sent the bill to the correct address, as they provide the correct address on their payment coupon which fits into the address window of the envelope they provide. 

All other bill payments were received properly. 

However, Sychrony Bank sent me another bill claiming they never received the final payment in full. 

I never received the payment envelope ( with the check in it ) back at my return address ( which I make sure is on every correspondence ) from USPS. 

I believe the payment was received and discarded so Synchrony bank could charge me a lae fee and a service fee. 

This is EXACTLY what occured the 2nd time around. 

I had dental work done again in XX/XX/XXXX. I FOOLISHLY used my Synchrony Bank Care Credit to pay for the dental bill. 

I paid the bill down to a final payment. When the final payment was sent in ( on check XXXX ), Synchrony Bank claims they never received it and charged me a late fee and a service fee. 

I decided not to pay the service fee or the late fee as I had the first time. I sent them the final payment again ( on check XXXX, the very next check number in the series ), via USPS Certified Mail. This way, I have proof they received the final payment I enclosed a letter in this final payment explaining that this was the 2nd time that Synchrony Bank had pulled this dishonest stunt on me. I asked them to undo the fees and accept the final payment as payment-in-full. 

They sent me back a bill with the late fee, another service fee and started charging me 29.9 % interest on the fee balance. 

I contacted their Customer Service Dept. and the representative told me that there was nothing she could do about removing the fees or the interest. 

I have been told of this exact scenario occurring to other people by Synchrony Bank credit company. 

I am interested in getting this resolved as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 've been in and out of forbearance for many years after my XXXX graduation, while trying to keep up with Federal loans as well. Every time I tried to setup a payment plan, or make payments by phone through XXXX XXXX/Navient 's automated system, payments would be disbursed incorrectly. In XXXX of XXXX, I made an automated payment by phone. When calling in to check on that automated payment, each person I spoke with kept telling me the same things- 1 ) my payment has already gone through and 2 ) they are still waiting for my payment to go through. Unfortunately, the automatic withdrawal was put towards another loan instead of what the automatic option I selected had told me. I even called a few times to make sure I was hitting the correct buttons. After about 2 weeks, I finally got through to a supervisor, frustrated with all I 've been through and not seeing anything corrected. The supervisor apologized and said it would take a few days to be put towards the correct loan.The supervisor then help me to set up a payment plan that would last for 2 years and advised that they would happily remove the errors off of my credit after sending a letter. I sure sent a letter within the same month. I received correspondence on XXXX saying that they made no error and they would not remove their errors from my credit report and my credit has been shot down so bad. After setting up a payment plan for what they said would be 2 years, they changed my automatic payments to a regular payment after only 5 months on XXXX/XXXX/XXXX. They said my 2 year payment plan was over, when it obviously was n't and there was nothing I could do. I told them I ca n't afford to pay all other bills including mortgage, along with current federal loans. The last call I had with them, they transferred me to XXXX different departments saying that each department would be able to take care of me. They have made errors too many times and it 's causing me stress and financial hardship. I 've spent too many hours of my time ( 80 % of my calls with them would take from 30minutes up to 1hour long ). They are unorganized and I would be passed from XXXX person to the next, then to the supervisor. I have all of my digital statements to show this. I 'm currently looking for an attorney who handles these types of situations. I have been struggling to get anything fixed with XXXX XXXX/Navient for many years. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: The following is a detailed explanation of the matter but in essence, I am requesting that all student loan payments made while in the XXXX XXXX XXXX XXXX XXXX XXXX count towards the Public Service ( 10 year ) Loan Forgiveness ( PSLF ) program I applied for -- as I was instructed it would. 

I began working for the XXXX XXXX XXXX on XX/XX/XXXX. Prior to having my student loan consolidated with XXXX XXXX, it was with XXXX and had consecutively and punctually made all monthly payments to them. 

I learned about the Public Service ( 10 year ) Loan Forgiveness ( PSLF ) program through my eomployer, with the understanding that my prior student loan payments while working for the XXXX XXXX XXXX would qualify towards the 10 year repayment program. 

On XX/XX/XXXX, I successfully faxed the PSLF form to phone number found on page 4 ( of 6 ) on the form ( please find attachment ). 

On XX/XX/XXXX, I received a letter from XXXX XXXX stating that I qualified for the PSLF program ( please find attachment ). 

On XX/XX/XXXX, I received a letter stating that XXXX was servicing my student loans ( please find attachment ). 

On XX/XX/XXXX, I received a letter stating that my repayment schedule had changed. The letter was very confusing because it gave 7 possible reasons why this may have occurred versus being specific so I called XXXX XXXX ( please find attachment ).

This is when I learned that I my student loans were consolidated into a Standard loan and that my 20 prior payments since beginning employment for the XXXX XXXX XXXX was not going to be applied towards to 10 year loan forgiveness program. I asked how I was erroneously placed into a Standard loan when I had successfully applied and qualified for PSLF. The representative could not provide a reason and said I would need to complete the PSLF forms again, which is the same form I successfully submitted on XX/XX/XXXX. 

I still have not been told how or who erroneously submitted my loan into a " standard '' program versus the PSLF program, which is what I applied for. 

Thank you for your attention in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (SC).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I was contacted by convergent outsurcing  XXXX . They have been calling my desk number at my place of employment. The rep told me that they contacted my employer on behalf of   XXXX   and got my information but I have checked and my employer advised that they do n't give out personal information. This is harassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Mortgage (Reverse mortgage) with JAMES B. NUTTER & COMPANY (AR).
Issue: Loan servicing, payments, escrow account

Complaint: my mother in law got an reverse mortgage in XXXX XXXX for loan was for XXXX which is alot more than the property is worth. well she was in her XXXX when she got this. she is now XXXX.she now needs her son and my help with her finances. XXXX XXXX claims they have sent her XXXX thats on paper that they send her each month.my husband, her son tried to get an 3rd party but XXXX turned him down. they gave no reason. we have power of atty, what we want to know is when did they send this money, how much each time and where were these checks cashed. also she was paying XXXX a month for house insurance. we are completely shocked at that.that house isnt worth XXXX,. we were going to sell it, but nutter is giving us trouble. they want XXXX for an appraisal on the house.the realtor had a buyer. what we want is 3rd party and an itemized statement of when where and who cashed them. mom doesnt have any money at all in her account. there is no way she could have spent that much. the realtor can only find XXXX he cant find about XXXX of the loan. he suggested we get an lawyer. i hope you can help her. she work all her life for that house and now she has no money to take care of her. she should have more than enough for the rest of her life.thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I have a fixed rate mortgage from US Bank. Despite property tax and insurance costs being readily available, they have consistently miscalculated my mortgage escrow requirements year to year resulting in shortages. Each year they also miscalculate the shortages, asking for a very small amount up front and raising my monthly payment much higher to cover the rest. In years past I have been able to calculate manually and " pre-pay '' ( pay the actual shortage ) of my escrow. This year they claim the law changed on XX/XX/XXXX such that they 're no longer allowed to do that. They were unable to define the exact law.

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 12-12-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax is taking too long to send disputed results.

Company response to consumer: Closed with explanation