milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/25/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I sought relief from a State of Ohio tax lien against myself from the Ohio XXXX on XXXX/XXXX/15. On XXXX/XXXX/15 the Ohio XXXX after conducting a investigation into my claim that the lien filed against me was not valid, agreed and cancelled to reflect a XXXX balance. I was sent documentation to file a release of the lien at the XXXX XXXX XXXX XXXX XXXX XXXX, which was filed and recorded on XXXX/XXXX/15. My request for relief included documentation to provide the credit reporting agencies to remove the public records from my consumer reports. On XXXX/XXXX/15 the Ohio XXXX sent on my behalf a letter to Equifax requesting they update my account record as voiding and expunging any reference to this lien. After review of my consumer report on XXXX/XXXX/15 Equifax reported the lien as released but still reporting. On XXXX/XXXX/15 I started a new dispute with Equifax to again provide documentation asking for this lien to be voided and expunging from report. On XXXX/XXXX/15 I received notice of the results of their investigation. The results were found to be reporting correctly. I am now seeking the help of the CFBP on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: 1. I dispute d an amount of {$310.00} last year and was told it would be refunded to my account because I never received the item and it never was.      2. Here lies th e issue and below are the refunds that should be on my account because customer service screwed up my acc ount : Paypal   XXXX  refund should be account of {$91.00} interest reversed {$35.00} late fee reve rsed Total : {$120.00} reve rsed off acct PayPal  XXXX  refund should be {$100.00} interest reversed {$35.00} late fee  reversed Total :  {$130.00} reversed off acct  XXXX  refund should be {$100.00} reversed {$35.00} reversed  Total : {$130.00} reversed off account Total refund amount {$450.00} that should be applied to m y account, this is what customer service promised me and it was not done.        3. They have  been taking duplicate payments from  my PayPal credit a ccount and my bank account. This has happen numerous times. I am owed over {$5000.00} from this company

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My loans were dismissed when I was determined to be  XXXX  due to   XXXX   XXXX   in  2013.  I ended up going back to work before three years and my loan was reinstated immediately and payments were due with interest. I was talked into a deferment/forbearance due to not having an income for several months. The interest that my loan received is astonishing. I am still trying to catch up from being off work during  XXXX    XXXX   and it is almost impossible to pay back {$60000.00} in loans. I only received an  XXXX   XXXX !

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Received a robocall from " XXXX '' saying he was going to deliver a summons in the next 24 hours and to be available with XXXX forms of ID, etc and to call XXXX. I called. Spoke to XXXX, from XXXX XXXX XXXX, told him I dispute the debt, that it is time-barred, and that the kind of roboocall they are doing is illegal. He said hey, lets resolve this now, I will make it go away for {$1900.00}. I told him I dont have any money and they are not allowed to call that phone number any more ( it 's not mine ). He hung up on me. I called back asking for the company address and summons and court case number. He said it would be delivered. I told him I did n't want to wait, that I wanted the information so I could turn it over to a lawyer asap. He said it would be delivered by summons and hung up. The summons never came and they hang up on me when I call to ask for their info and the info on the courtcase they claimed they have filed and which I can not find on my Counted docket.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Account opening, closing, or management

Complaint: It turns out PayPal froze an additional {$3000.00} in cash. They went so far as to REVERSE a bank payout so that they could hold an even more absurd amount of my assets for an extravagant 180 days. Bear in mind that all of these transactions came from verified sources so the have absolutely no right to retain them for so long. there are no verification checks they need to do, no payment confirmations, everything has been approved and they are simply retaining my cash for an absurd amount of time. This is egregious.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been dealing with the negative marks about this creditor. I have sent letters asking to substantiate this debt. All the letters, phone calls, have not furnished proof of debt that is allleged. Yet they continue to leave the derogatory marks on my record, with no proof of such debt

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 09/13/2016 about Debt collection (Payday loan) with Roycroft Management (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I received a threatening call from them indicating I owe them money and if I do n't pay they will have me go to jail. I have asked this company for UPSP stamped letter in the mail to support their claim that I owe them money three times. Twice on the phone and once on email yet I have not been able to get any documentation. I have provided them my correct home address. I would like to report wrong unlawful practices of this company and their collection issues.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with LTD Financial Services, LP (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I had a line of credit loan with a bank which I got behind on. It got turned over to LTD Financial Service Debt collections. They called and asked me to get another loan to pay XXXX % of the debt. They said if I did n't they would sue me and according to the terms of my original loan I would be responsible for all the layers fees. 

I could not get a loan but plan to get a XXXX job. LTD Financial offered to take a large payment followed by regular monthly payments. I said that would work as soon as I started the XXXX job. They asked for my bank account number to make automatic drafts. I asked for this in writing and they refused and again said they were making the offer as a good faith effort to avoid litigation. I refused to hand over my bank account without a written agreement. 

LTD Financial then started calling my wife at work and telling her I was being uncooperative and she had to work with them. 

I plan to get an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Came up with page saying : " Online Delivery Unavailable - Mail in Request We 're sorry, for your protection we are unable to deliver your Equifax Free Annual Credit Report online. '' I have a time sensitive issue ( fraud ) and can not wait 3 weeks for them to get me my report. Equifax would not help me or give me a way to see my free report and I could not get a real person to talk to about the problem at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax data was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Transunion is reporting XXXX incorrect addresses. This is not or never have been my addresses. Please remove the following addresses, immediately : XXXX XXXX XXXX and XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I graduated XXXX school XX/XX/XXXX and have made automated payments since XX/XX/XXXX to XXXX XXXX ( and then Navient XX/XX/XXXX ). I have a fixed rate of 3.5 % after repaying on schedule for 36months. Original loan was at a 4.75 % Fixed interest rate and I receive 1.25 % reduction awards. 
My complaint is that XX/XX/XXXX my note increased by {$160.00} with no known warning. I do not recall any warning of this increase but I do remember receiving the notice that my loan was transferred to Navient. This increase placed my my monthly note very close to XXXX of monthly net income making it very difficult to keep up with other payments such as insurance, house and vehicle notes. 
I must admit it took me a while to discover that was the reason my personal account was not balancing for me. I continued to pay because I did see that this was going directly to my principle and helping to pay my loan down faster. 
XX/XX/XXXX things became especially hard with continual increases in my monthly health insurance premiums. I called Navient and submitted online to receive information on other repayment options. I received a return call and was offered a balloon repayment plan that would increase my note an additional $ XXXX-XXXX per month for a shorter period. A plan that was even more unaffordable for me. The caller informed me that this was the only reduction plan for which I qualified. Since then I have received weekly and at times daily calls offering me the opportunity to enroll in federal repayment programs for a fee. While these options sounded better, I am skeptical of solicited calls and could not accept any of their offers. 
It is now getting to a point that this monthly note feels overwhelming and part of the reason that I can not save or improve my living conditions. It is a great deal higher per month than my house note, car note, and soon I expect that my health insurance note will be it 's only close rival, consuming my monthly income. 
Another concern is that the Navient website does not supply me with the name of my original lender. I am almost positive that my loans are both federal as I have never taken a school loan through a bank but I should be able to readily access this information through my Navient account. Instead the space next to Lender is left blank. 
I need better options. I need lower payments. I need lower percentage rates. I need help and Navient is not offering me any solution but to stay enslaved to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have been trying to send documents to Transunion to a fax number they gave me : XXXX for three days. I have used the resend button on my office fax machine so that it continues trying to send, to no avail. I even walked to XXXX 's to try their fax equipment, as well as my IT department, who said a credit agency 's fax should be set up to accommodate consumers. 
To get through to Transunion, there is usually a wait time of about 45 minutes before you get an agent on the line, who, by the way, is in a call center outside the US. The first time I spoke to one, he said he had a lot of static on the line and could n't hear me. I had to try again and wait yet another 30 minutes. They are very brusque, quite rude in fact, and told me that I must keep trying that fax number because there 's nothing they can do about it. Meanwhile, I have a very time sensitive and expensive situation on my hands. 
I legally changed my name, a very simple change, such as, ( and this is an example, not my real name ) from XXXX to XXXX. The middle initial and surname remain the same. Since I am in the process of purchasing another property, a credit report will be generated but it will have my " old '' name and not the one on my bank accounts, ID or credit cards. Hence the urgency with which I need this handled. 
For XXXX and XXXX it was a breeze ; for XXXX, you simply go to their website and upload the documents and for XXXX you send the paperwork to an email address. Transunion remains in the stone ages -- who uses a fax machine anymore? 
This is shameful and an egregious example of how credit agencies impact our lives -- we are at their mercy, yet when we try to consult with them to rectify things, they fail miserably.

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 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I called Bank of America onXX/XX/XXXXaround XXXX est to get information about one of their mortgage products. I spoke to XXXX XXXX, and he said he would call me the following day. The following morning, I received alerts from all 3 major credit bureaus that a hard inquiry was now on my credit report from Bank of America. I never authorized Bank of America to pull my credit report, nor did they ask. When I called yesterday around XXXX to have them send me a deletion letter, so I can get the inquiry removed from my credit report, no one would 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 non-monetary relief
Consumer complaint received 07/21/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: equifaxXXXX XXXXaccount showing {$1200.00} monthly payment ( should be XXXX ) status showing 120 days late ( should be unknown ) remarks showing chapter XXXX bankruptcy ( should be chapter XXXX filed XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Trouble during payment process

Complaint: In or around XX/XX/XXXX purchase a property for XXXX. 

violation of TILA and RESPA Forensic Audit CFPA violation Any and all XXXX transaction XX/XX/XXXX-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 05-08-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have had a reduction in Income over the past seven years and have fallen 23 months behind on my equity line of Credit with Bank of America. I expect to earn XXXX XXXX by XX/XX/XXXX and would be able to pay the 23 months of overdue payments to Bank of America and have requested they postpone the foreclose to avoid any additional legal fees and expense being added to the reinstatement amount. So far they have refused to place the foreclosure on hold. I spoke with the law firm and they have not filed with XXXX County Supreme Court as of todays date XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: My account was moved from Ditech to XXXX on XXXX/XXXX/XXXX and I submitted my XXXX payment in 4 payments for XXXX. I called twice a day to ensure they gave me credit for XXXX/XXXX/XXXX. All documents sent to XXXX to find them in un applied funds and an escrow account. Di tech undermines the home owners and lie and cheat do we can go into forclosure

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: My customer account rep. was very rude and disrespectful. I have never been talked to and treated so poorly by a company. First mortgage company out of all the mortgage companies that our loan has been bought out by. The account rep. refused to set up a payment arrangement for me to make a payment on the XXXX day past my due date. I explained to them that the last couple months had been financially hard. She did not care and began to tell me, how that 's no excuse and lecture me on how and what I should be paying with my income. That she has XXXX kids and a single mother and would n't let me get a word in edge wide ... I told them the soonest I could make my payment for XXXX XXXX would be XXXX XXXX and that I could make my XXXX payment on the XXXX of XXXX. She said that was unacceptable and that I needed to start calling family and friends to borrow money, when getting off the phone she says in a very smart tone " good luck ''! WOW, worst company ever!!! No trying to help the customer stay in their home and help them get caught up on payments! Its almost like they enjoy telling you that they will start foreclosure ... .to beat it all she called back several times and said the same things over to me, lecturing me on how to handle my finances, that she has no clue about my personal finances and even had the nerve to ask me, " how much I spent on my kids XXXX? ". The few months I have been with them I could write a book on all the unprofessional, unethical things that they have done! WOULD NOT RECOMMEND AND WOULD NOT BE WITH COMPANY HAD THEY NOT BOUGHT OUT GREENTREE!!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (PA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I called Wells Fargo last night around XXXX Monday XX/XX/XXXX. This was in reference to the Wells Fargo XXXX XXXX and its {$45.00} annual fee and also misrepresentation on the phone about currency conversion and foreign transaction fees. Wells Fargo has 2 XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) the woman ( XXXX ) I spoke to told me that as of recent the XXXX and XXXX cards terms have been made the same but, I think inquired why does the {$45.00} annual fee remain. She had no answer to me in regards to that and then offered me to switch my card to the original XXXX. I told her would n't that affect my credit, she said she did n't know and could not make a representation, I was then forward to the credit department in Wells Fargo, who still could n't give me an answer. I spoke the credit bureau this morning in regards to my credit score implications and she indicated if I had to close down one account and switch it over it would affect my credit score. Without informing older customers of the XXXX, all these customers are being required to pay {$45.00} a year for something that is free on the XXXX. And to correct it this would cost us a ding on our credit, which is absurd. Additionally, several Wells Fargo employees indicated to me that foreign transaction fees and currency conversion fees were the same thing. But after reading up on this, that is not true and the company was making false statements.

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 02/24/2018 about Payday loan, title loan, or personal loan (Installment loan) with Westcreek Financial (VA).
Issue: Charged fees or interest you didn't expect

Complaint: I bought 2 mattresses with the cover from XXXX XXXX in XX/XX/2017. They offered me to finance and breakdown my payments twice every month. They didn't tell me anything about the finance company or their interest rate or any terms and condition. After I gave them my bank information they cut {$40.00} bucks from my account which they didn't tell me about. When i called the credit company they said it was for the application fee. Because of that my account was overdraft and I had to pay extra XXXX dollar for it. I also return one of the mattress box back. They supposed to give me the credit for it which i never got. Also i wanted to return one of the mattress cover. But they refused to take it because they can not mess up their inventory. I contacted the customer service of mattress house they asked me to contact the area manager. But after i called him, he never answer the phone or replied to voice mail. however, my concern is now that I already paid more then what I borrow from the credit company. But still they show that I have payments to make because after the no interest time they charged me for the interest. Which they never told me about or I could see how much they are charging me. I have contacted to them many time but they are always denied me. I couldn't even see how much i paid so far. After a long time calling them over and over they fixed me a account so that I could see my account activities. I borrowed {$1300.00} dollars from them. I already paid {$1600.00} till today. They still saying i have {$410.00} dollar left to pay. This is too much for a mattress to begin with and does not make any sense to pay triple for a mattress. Which is also not a good quality or helping me in my need. I can't even return it because they are not willing to take it. Even though the receipt said I can return it in one year or so.

Company response to consumer: Closed with explanation