milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My name is XXXX XXXX, SS # ***********, I was receiving a down graded report from mostly all creditors, down grading my credit capacity, and stated that their was an adverse action or issue on my credit, so I order for a copy of my credit report, lord on behold i saw a XXXX stating that i owe XXXX {$380.00}, This same issues have been debunked, and has been removed from my account three times now by Trans Union, this company always put this in my record every other year for what I dont know, i have not been with XXXX for more than 10 years now, and i have disputed all of their charges with proper documentation, and i thought it was behind me. and I told Trans union that these people should not be allowed to mess with my account again, but now they were still able to do it over again, and was allowed, and their respond this time states that it was verified, and that it will stay on my account for some years, This same credit company has removed this from my account 3 times now they stated is verified, and they never showed me their verification, the The credit bureau has messed up my credit rating by allowing this company to keep coming and going out my credit report to mess up my credit rating, I do not owe XXXX a penny, at the time i was with them i upgrade my old phone, but after i received the phone it was not what i expected and i returned it to their store with 2days of receiving the phone, and they kept charging me for the upgraded phone which i have returned to them i send them the receipt that showed that the phone was returned to their store still they kept charging, so I cancel my contract with them. now after over 10years they still continue to claim I owe them which i did n't. 
now the collection company send me a letter that they will stop the collection action, but the credit bureau still did n't remove it out of my record, This is total injustice, that this bureau can allow this company to go in and out of people record with no credibility to substantiate their claim nor a court judgement. Please check my credit record I am 100 % in my payment history never been late nor skip payment.

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 01/18/2017 about Debt collection (Federal student loan) with TRANSWORLD SYSTEMS INC (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I contacted Transworld Systems, Inc. regarding rehabilitation of my outstanding student loans XX/XX/XXXX. I agreed to a rehabilitation program for the loans they are servicing and was instructed to email my XX/XX/XXXX XXXX. Along with U.S. Mail and phone calls to my cell phone, I have been contacted more than once on my work phone number. During the first phone call to my office, I requested that TSI not contact me at work, because it will interefere with my job. I was told by the representative that the company would no longer do so. When I was called again today, I informed XXXX XXXX XXXX ( TSI representative ) that I had requested not to be contacted at work ; that he would have to call me on my cell phone if he wanted to speak with me. He indicated he knew, but since the last call between he and I on my cell phone was disconnected ( I was driving and told him I could n't talk while driving ) he said he had to call the office. He further said that he was going to put a wage garnishment on me if I did n't follow his directions ; a statement I found to be harassing and threatening. 

TSI has three ways of contacting me, other than my office telephone. Clearly, they are ignoring the Fair Debt Collection Practices Act ( FDCPA ), in continuing to contact me via my office telephone number. I have written them an email to indicate, in writing, that they are not to contact me at the office and to use one of the other three methods they have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I recently found some unauthorized charges on my Wells Fargo Visa card. The XXXX separate charges totaling {$290.00} were made on XXXX I notified Wells Fargo by calling XXXX on XXXX which is when I noticed the charges. I reported the unauthorized charges as fraud. At this point in time the funds have not been credited to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to short sell my home. After losing my job and medical bills mounting up I did the responsible thing and put my house on the market. I have an offer submitted to the bank and they have since gone into my property and changed the locks. I do n't have access to adjust the heat or make sure there are no issues since my home is vacant awaiting sale. 

I have NEVER paid NationStar late. Never. In XXXX I was short on the mortgage. I was able to gather up XXXX of a months mortgage. They acted like I never paid them a dime. The calls started. The notice of intent to forclosure came in mid XXXX. I obtained a lawyer and we are working on a short sale. They acknowledge reciept and ordered and appraisal. But in the meantime they changed the locks. The XXXX agent had no way of accessing the property to do the appraisal. I feel they intentionally are causing delays in the process. They cut off my realtors lock box at a price of {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian Report # XXXX Date XX/XX/18 Has not updated current employment as I have provide proof. Experian does not correctly have or provide the right information. I have provided time after time for the last 3 months and Experian has yet to correct there issues. 

As of this report Experian took off my current employment which is XXXX XXXX which is listed on Report # XXXX and on Report # XXXX XXXX XXXX is not on my credit report in which one again Experian does not provide correct information as to my credit report. 

I have attatch 2 curent employment which is not on report # XXXX which I have work for the past 2 years in which Experian keeps deleting it or not showing the correct employment.

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 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Each Credit Reporting Agency c ontinues to show credit inquiries when we have not authorized the companies to pull our credit. I have disputed these inquiries from each agency and nothing has happened nor have they disclosed the accuracy of these inquiries.

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 10-03-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America and the servicer of this home loan mortgage account caused to be recorded a Notice of Default ( NOD ) on XX/XX/XXXX without completing the required pre-foreclosure outreach in accordance with California Civil Code 2924.55 ( f ). 
Bank of America has admitted, in writing, to have tried to contact me twice. Bank of America and their representatives have not tried with due diligence to contact me otherwise than that prior to recording the NOD after assurances from Bank of America that no foreclosure process shall be commenced. Additionally, when I tried to contact Bank of America, all I got was the runaround. I have even been told that Bank of America forbids their representatives from conversing on a borrower recorded telephone line, which mine is in accordance with the laws of the state of California. 
Furthermore, no post-foreclosure outreach has been commenced to date, but that is a moot point and activity since Bank of America has already violated the pre-foreclosure requirements. 
To date, no XXXX XXXX County Recorders Office certified recorded Rescission withdrawing the NOD has been provided to me as requested. 
I have resided at the property address continually since XX/XX/XXXX as a primary residence.

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 06/18/2017 about Debt collection (Other debt) with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a " second notice '' fro m Complete Payment Recovery Services  @  XXXX   XXXX   XXXX ,  XXXX , AL  XXXX . It stated  XXXX   XXXX   XXXX   XXXX  wrote a bad check ( #  XXXX  ) at  XXXX  #  XXXX  on  XXXX / XXXX / 17  for {$130.00}, creditor is Certegy Check Services.  CPRS  is demanding {$170.00} from a non-existent company at my home address. The phone # for  CPRS  on the letter is  (   XXXX   )   XXXX  and is not the same as a number online. CPRS wants immediate payment by phone.

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 10/30/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been making payments on both my federal and private loans for the past almost two years.y private loan is at a variable rate which recently increased from a 10.25 % to 10.75 %. I was told on XX/XX/XXXX that it is based on a prime rate but was given no clarification as to what that means. I also have had over the life of these loans been charged {$10000.00} in capitalized interest when the original total disbursement amount was {$19000.00}. I was told this will acrue when a forberance is in place. However I have had this posted to my loans while making payment. For example XX/XX/XXXX I had {$4600.00} in capitalized interest and XX/XX/XXXX another {$400.00} this all while making auto withdraw payment. Also through the life of these loans when I could n't make payments on the amount they required me to, I was told my only option was to go in a forbearance. I was never offered a low payment plan. While my co-signer was in bankruptcy which has been up until a year ago, I did n't even have access to my online account. I was told I was blocked due to my co signer having a bankruprcy on the account. I have had numerous conversation with reps from navient with no resolve. This has been extremely frustrating my balance since XX/XX/XXXX to present date as only gone down roughly {$200.00}. I have been making payments in the amounts of $ XXXX-XXXX monthly. I have also had late payments attached over the duration of the loans hanging in dollar amounts of {$2.00} - {$12.00} will I 've been making payment or while I was in forbearance. Im seeing help in lowering my interest rate as well as resolving these issues. I get no where when I call navient. I felt as though I will never get these paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (Other debt) with ERC (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: ENHANCED THEIR LAW OFFICE SETLED THIS MATTER OUTSIDE COURT! ON XXXX/XXXX/XXXX AND XXXX/XXXX/XXXX APPEARED AGAIN ON XXXX?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: When I lost my job, Navient put me into unemployment deferment instead of an income based plan with a {$0.00} payment. I saw a news article about the class action lawsuit CFPB is taking against Navient for putting consumers into lesser repayment plans, realized mine was in the less helpful plan, and called them to switch it. Instead of switching me to IBR with an income of {$0.00}, they switched me over to IBR based on my income when I had a job. 

To compound this problem, they only notified me that they put me in the wrong IBR on Saturday morning, do n't answer the phone over the weekend, and took the money out of my account on autopay before my credit union had even opened this week. 

When I called them yesterday to complain, they said they could suspend my payments for 60 days to make sure they processed the IBR correctly, and that my payment was n't really due today, but since it was processing on autopay they could n't do anything about it. They should have suspended my payment for 60 days the first time so that this whole mess would not have happened! 

I am very frustrated that they repeatedly did not help me make sure I was in the best plan and only had helpful payments taken out of my account. I am frustrated that they sent me notice on Saturday that I was in the wrong IBR, at which point it was too late to fix it. I am frustrated that they took {$400.00} out of my bank account, which is my entire unemployment check, when they should have taken a {$0.00} payment. I was in PSLF before becoming unemployment and plan to be in the 25 year repayment if I can not do PSLF, so the {$400.00} payment does nothing to help me pay off my loans, and is money I really need right now since I am unemployed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: i was told by my bank that my foreclosure process was put on hold a number of times in XXXX 2015. I recently get a letter in the mail from the banks attorney and i call the number on the letter and they say my foreclosure process is moving forward and requesting a court date. i tell them what the bank told me and they say they have not spoke to the bank in reference tomy foreclosure this year at all. i call the the bank and they spoke to my customer assistant specialist and he sad " yes, i did tell you that your foreclosure has been recently put on hold :. I told him what the attorney said and he said well we do not put them on hold int the state of florida. then is said but you did tell me my foreclosure was put on hold more than once? he said yes id did and i will go over my informaition and get back with you. I have not heard from him in reference to my foreclosure hold.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: To CFPB Team : I am currently facing a foreclosure situation with Wells Fargo. I am in the 4th year of a 5-year Chapter XXXX plan to save my house. I encountered XXXX hardships during my Chapter XXXX falling behind mortgage payments but continuing to make Chapter XXXX payments. Wells Fargo has been running me around the loan modification request and review process for over two years rejecting every request to capitalize my outstanding mortgage arrears and reducing my interest rate from 6.25 % to a market rate. Despite countless material violations of California Home Owner Bill of Rights, TILA and RESPA laws Wells Fargo has now filed a motion for Relief of Stay and hearing is scheduled for XXXX XXXX. My family and I would love to keep the house and resume mortgage payments but we cant get a fair representation with bank or owners of note ( Wells Fargo sold mortgage to XXXX in 2012 ). We are desperate for a solution as I am the only income earner in the house and take care of my wife, ederly mother-in-law and XXXX children. IS there anything the CFPB can do to intervene on our behalf to stop or delay the foreclosure process. We want to keep our house and resume making mortgage payments but Wells is only interested in foreclosure at this point despite numerous attempts to request home loan modification.

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 09/29/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: I paid the full amount due on a credit card balance in mid - XXXX, 2016, only to learn after attempt to use card and being denied that the amount paid was received and deposited by Credit Card company, but never applied to my account balance. I have a copy of the check that was mailed, and marked as deposited by Credit Card company. 
I spoke with XXXX separate individuals from said credit card company, and they were not able to resolve even after providing all information from back of processed check by their Company. 
I was advised to FAX my details, along with CREDIT CARD NUMBER, to a number that did not accept, under the header " PAYMENT INVESTIGATION ''. I was repeatedly denied the ability to speak to someone personally I have XXXX FAX receipts that all indicate " no answer '' at number provided. Meanwhile, I have several " auto-pay '' accounts that this card was used for creating havoc and unnecessary work and stress to apply a separate card number for auto-payments.

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 05-03-2016 about Debt collection (Payday loan) with French Financial, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I sent a cease and desist letter to Popular Financial several weeks ago and they continue to harass me and use threatening language. The letter was sent XXXX XXXX, 2016. When they call they state they do n't care about what the letter states and harass me over the telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (SC).
Issue: Loan servicing, payments, escrow account

Complaint: we have XXXX complaints XXXX is with Caliber Home Loans they took XXXX homeowners premiums from our escrow XX/XX/XXXX and they are trying to make us repay our own money they cut a check to XXXX XXXX XX/XX/XXXX and stopped payment on this check after they over nighted a check to XXXX Then XX/XX/XXXX they went up on our payment XXXX dollars a month saying we were XXXX dollars short in our escrow we went to an Attorney and at first he said they were wrong but two weeks later he says they are right

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Between XXXX XXXX and XXXX XXXX, there are excessive inquiries on my credit report for auto financing. These inquires are not permissible. I did not authorize these inquiries, provide any personal information or a signed statement authorizing inquiries. I approved inquiries while auto shopping however those inquiries are not the ones I am disputing. I am aware dealerships will submit applications to multiple financing companies to shop around for the best rate. I did not authorize this and would have never allowed abuse of my credit reporting in such a way. I have reached out to your company regarding inquiry and was denied removal. The unauthorized inquiry has a negative impact on my XXXX XXXX and future opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Our client is the son and heir of his parents, who were the co-owners of their home in which our client is currently residing. His parents, who purchased their home in XXXX, recently passed away. Our client was the administrator of his mother 's estate, which was recently closed. He has contacted the servicer to request that he be allowed to assume the loan and to discuss his loss mitigation options. The servicer refused to communicate with either him or his brother, the only other heir and successor-in-interest, at all and quickly began foreclosure proceedings. The client has provided the servicer with copies of his parents ' death certificates, estate documents showing that he was the administrator of the estate and a written request that the servicer communicate with him. The servicer refused and stated via correspondence, that the client should contact " our customer directly for information or to be authorized to receive information on the account. '' As XXXX customers are XXXX, that is impossible for the client to do. The servicer has not acknowledged, in writing the notice of error that it was sent. The servicer 's refusal to speak to either of the heirs has caused them to incur additional arrearages, costs and the necessity of retaining an attorney. The client and his brother are the only successors-in-interest and wish to assume the loan and to be evaluated for loss mitigation, but have been unable to do so.

Company response to consumer: Closed with explanation