milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: Loancare did not respond to my request to remove PMI in a timely manner, thus charging me additional months of PMI. I submitted the request on XX/XX/XXXX and received an automated email with confirmation and that I would receive a response in 10 business days. I did not hear a response and XXXX, I contacted customer service. When I finally got in touch with a representative, she confirmed that the request was pending, our conversation was cut short because the call was disconnected ( she hung up on me ) and I did not receive a call back. Due tot he amount of time it took to get through the automated system and to a person, I could n't spend 30 minutes trying to call back. I assumed that since the agent had confirmed the request was there, it would be removed. On XX/XX/XXXX, I called back and reached an agent who told me that they will not remove PMI until they have 12 months of payment history. This was not disclosed when I opened the loan. I asked to speak to a manager and was told all are busy. I could get a call back in 24-48 hours. The whole operation seems designed to not allow you to talk to anyone. Trying to contact customer service is frustrating - their automated phone system seems designed to make it very difficult to route to an actual representative. If you enter in XXXX invalid options, the system hangs up on 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 05-08-2015 about Consumer Loan (Vehicle loan) with First Peachtree Finance, Inc. (GA).
Issue: Problems when you are unable to pay

Complaint: The XXXX of the company XXXX XXXX Is A XXXX, And The Company Is Very Dirty, Not Only Charged me 3 Times as much as the car is worth, but also would n't work with me to help me keep my car, even Tho XXXX XXXX Lied and said he would, I had {$4700.00} left on a {$13000.00} Loan, not gon na lie I fell on hard times, and let them know that I 'd be missing some payments, but when I got back on track I 'd resume payments, also told XXXX XXXX that if I fell too far behind to call me and if I had n't made a payment I would, but instead of calling me, he just waited til I called and tried to make a payment, but instead of letting me resume payments, he threatened to put a warrant out for my arrest, even tho he knew I already was facing legal troubles, they claim that they try to help you avoid collections or repossessions activity, but that 's a lie, they 're just crooked money hungry bloodsuckers, also would n't even give me time to get important, valuable property out of my car, cause the car was at mechanic shop at time of repo, and actually if you also include all The repair work I had done on the car, even tho my loan was n't paid up I had still paid XXXX times more than the car was worth ... There really should be laws in place that protect consumers that have invested alot of money in something especially if it 's more than half, from XXXX like FIRST PEACHTREE FINANCE INC. And They Did n't Even Offer To Let Me Refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company has had more than enough time to provide me with a signed contract and needs to remove its information from my credit report immediately. My identity has been stolen so only a signed contract will do.

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 02-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The collection agency, EOS CCA, states that I owe vehicle taxes for several years from the City of XXXX CT. I called the city to verify the debt. There are XXXX issues : the first is that the collection agency 's principal amounts ( pre interest and fees ) for each of the XXXX tax years is greater than what XXXX Office states. And the second issue is that the interest and fees are XXXX % XXXX % XXXX % of the inflated principal amounts. For example, principal XXXX plus interest XXXX plus XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (Other debt) with The CBE Group, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Cbe group was notified by   XXXX   to cease collection activity but Che group is still reporting to   XXXX   credit bureau 's.

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 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: When I first found out that XXXX XXXX was reporting on my credit file I sent them a request for validation per my rights under the FCRA on XX/XX/XXXX certified mail.The item was removed from my credit report when they failed to validate. 

However they re-inserted it back on my report after it was removed, which is a violation of the FCRA as they did not notify me of the reinsertion. I informed Experian that they were in violation due to the reinsertion. Experian was in receipt of my letter on XX/XX/XXXX via certified mail and once again the item was removed from my report. 

In XX/XX/XXXX of XXXX again this company has reinserted the item on my Experian report ; and once again after sending another request for validation they removed. 

To my surprise, XXXX XXXX has REINSERTED AGAIN for the 4th time. In addition my latest request for validation was returned as undeliverable on XX/XX/XXXX. The address they reported to the credit bureau is a bogus invalid address. 

I've gone in circles with this company. It should not be this difficult for a consumer to get a proper validation response from them as requested. I've been dealing with this since XXXX, that's 4 years of deletions followed by re-insertions! Experian is equally to blame for not following FCRA reinsertion notifications required by statute. This item has been reinserted and allowed to be done so 4 times now and not once have they sent the required written notification as required by law within 5 days. From my research on the web it appears that NONE of the bureaus send out these notifications by policy. I found the re-insertions only by looking at my credit report. I have no where else to go than to request support from the CFPB to resolve this issue. 

I've enclosed copies of my latest reports from XXXX and XX/XX/XXXX. Should it be necessary I can submit previous reports showing that XXXX XXXX was reporting and then deleted. I've listed the report numbers below along with a date of the item reporting and then not reporting.

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 03-12-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (TX).
Issue: Money was not available when promised

Complaint: I worked at XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX, under XXXX XXXX XXXX . I enrolled in the 401K program to start in XX/XX/XXXX. Authorizing Wells Fargo to take {$100.00} every two weeks out of my pay check to go into my 401K account. 

I left the company ( XXXX XXXX XXXX ) in XX/XX/XXXX just prior to the hospital moving to another location under the name XXXX XXXX XXXX XXXX XXXX Texas. I spoke with a Wells Fargo representative regarding my 401K, and was told " no need to transfer or take my money out, it could stay in Wells Fargo account and grow Intrest ''. 

Recently I opened an account with Wells Fargo and my Social Security number, date of birth, old address was already in their account for me. At that time I asked the representative what was my 401K amount now? She reported I had a {$00.00} balance. 

I notified The XXXX XXXX, who reffered me to XXXX XXXX the benifit administrator for XXXX. Since XX/XX/XXXX I have constantly spoken with different reprsentatives from Wells Fargo, each one promising to take care of the issue. 

Still no resolution for the {$6400.00} plus interest I placed in this account. In addition, I was told " Wells Fargo only go back for 7 years '' One representative saying to me " its been so long I don't know where the money went, with no activity, it probably just went back to Wells Fargo ''. My homestead burned down in XX/XX/XXXX where all my business information, college diploma, and other information was destroyed. Still the XXXX should have old check stubs, as should Wells Fargo regarding an employees information an transactions regarding our accounts.

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 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: At present Navient shows that I have ( 2 ) closed loans, dated XX/XX/XXXX, that are in a " Derogatory '' status, which is directly affecting my credit score and ability to secure loans, rent a house, etc..and has been for 15 years. The ( 2 ) loans affiliated with Navient were transfered/sold to XXXX in XX/XX/XXXX, and have been, and are in " good '' standing. The reference to the ( 2 ) Navient loans in XXXX, XXXX and XXXX are over " 15 '' years old and incorrectly showing a " Derogatory '' status. I have requested Navient to update and/or remove this information all together, in writting as requested on numerous occasions. Providing all the neccesary references and IDs. I have even sent ( 2 ) sets of certified letters to Navient asking the same, and have received no responses. Navient is affecting every aspect of my life by misleading credit lendors that I have a derogetory loan with them, when I do not. This has affected 15 years of my life, and needs to be updated now.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Southwest Credit Systems has been contacting me stating there is a XXXX Internet/Cable bill that I owe in Georgia. I have never lived in Georgia but someone used my SSN to enroll in a XXXX contract ACCT # XXXX for {$550.00} & I was told the contract was signed XXXX. SCS has sent me a Identification Theft Affidavit requesting my SSN, drivers lic #, auto ins policy #, life ins policy # & birth certificate yet all the paperwork states " DO NOT SEND AFFIDAVIT TO THE FTC OR ANY OTHER GOVERNMENT AGENCY '' on the bottom of all pages. I have contacted XXXX & this acct # is under my name & SSN but the refuse to give me copies of a contract the was signed or any of the billing statements. They are threatening to send me to collections & ruin my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04/14/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I wish to file a complaint against my mortgage servicer Ditech Servicing LLC for the constant mismanagement of my escrow account and continually sending me registered letters threatening to Foreclose on me, regular mailed letters directed me to get help, all falsely alleging I am delinquent in my mortgage payments. I am not. There actions are causing me and my family great emotional distress. I would appreciate your assistance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2017 about Debt collection (Credit card) with Mediation Recovery Center (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt is 15 years old and has been charged off for 15 years. I no longer owe this debt they are trying to collect on.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 11/14/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: in my equifax credit report i have this address in it XXXX XXXX XXXX XXXX XXXX, TX XXXX i have never lived there or ever been there.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I went out on XXXX form school and NelNet picked up my loan and payed them, now the school is trying to say that I own them money. When I first called them they said that I do not owe them any money and now they say that I do. Now every time I go and check my credit this pop-up. They said that I owe my provider, so I called them and they said that I do not owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have XXXX of the exact same debts reporting on my credit report. Same account, Same amount owed, same debt agency, same date of service, same account number, etc. I did an online dispute and they came back verified, however they are the exact same debt and should not be on my credit report twice. You can see in the attachment that they are the exact same debts and they were " verified '' although they should not both be on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Prepaid card (Government benefit payment card) with Empowerment Ventures, LLC (NJ).
Issue: Managing, opening, or closing account

Complaint: The system had some type of clitch and left me with no access to my account or money. Because of the problem I have lost my apartment because I could n't pay my rent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Advertising and marketing

Complaint: I have been a victim of Identity Theft since XXXX XXXX, XXXX. I submitted complaints against other credit card companies to warn them about my situation. On XXXX XXXX, XXXX, I submitted a complaint against Capital One in regards to XXXX. I told Capital One that NO one named XXXX living at the XXXX XXXX, XXXX XXXX, CA. I would like Capital One to remove XXXX from the mailing list and STOP sending XXXX mail at this home address. Today XXXX XXXX, XXXX, Capital One is still sending me mail at my home address after I told Capital One to STOP harassing me. Capital One refused to remove XXXX XXXX from the mailing list. Capital One is still harassing me and continues to send me unwanted solicitation mail in my mailbox. I want NOTHING from Capital One. All I want is to STOP the harassment. PLEASE remove XXXX name from the mailing list now and immediately at this address. PLEASE STOP sending me mail in my mailbox. I will consult with my lawyer to seek a possible lawsuit against Capital One for repeated and unwanted blatant harassment after I warned Capital One that I do NOT like to be harassed. Capital One refused to follow my simple instructions and continues to harass me by sending me unwanted solicitation mail in my mailbox. PLEASE STOP sending me unwanted mail now. PLEASE remove XXXX name from the mailing list.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Deposits and withdrawals

Complaint: tion or Company : Wells FargoStreet : City : XXXXState : NCZip : Phone : Type of Account ( s ) : ( If you are unsure of the type of account ( s ), please contactyour financial institution for assistance. ) Deposit Account ( Checking, Savings ) _X_ Credit Card ___Loan Product ( Consumer, Mortgage, HomeEquity ) ___Asset Management ( TrustAccounts ) ___Consumer Leasing ___NonDeposit Account ( Investments ) ___Insurance ___ Other XXXX Print Complaint FormXXXX XXXX XXXXXXXXHave you tried to resolve your complaint with your financial institution orYESIf Yes, when? 
XXXX/XXXX/2015How? 
Phone, OtherHas the financial institution responded to your complaint? 
NOIf Yes, when? How? 
Contact Name : XXXX : call center XXXXCOMPLAINT INFORMATIONDescribe events in the order they ocurred, including any names, phone numbers, and a full description of the problem with the amount ( s ) and date ( s ) of anytransaction ( s ). Be as brief and complete as possible to make the explanation clear. 
Do not include personal or confidential information such as your socialsecurity, credit card, or bank accounts numbers. 
They have, for the 3rd month in a row, stolen {$14.00} from my business checkingaccount even though it is linked to a {$19000.00} credit line which waives the $ XXXXfee. Called their phone center 45 minutes got an XXXX who lied aboutwhere she was, refused to transfer me to a supervisor and said they wouldcall back still waiting for XXXX others to call back from Tuesday andWednesday. They claim they fixed the issue fully knowing that this is untrue. 
They think that I wo n't notice this charge and/or wo n't waste my time tryingto resolve. They are doing this to every small business and you need toinvestigate this fraudulent practice For me, I want a refund andcompensation for my time as well as seeking that you fine them for fraud!!! 
They are XXXX with me and charging me {$14.00} when my line of credit isover {$10000.00}. They have XXXX with me for the past 3 times and have LIEDsaying this has been corrected. MAKE THEM FIX THE ISSUE AND STOPATTEMPTING TO STEAL FROM ME. HOW DARE THEY BLATANTLYATTEMPT TO STEAL MONEY FROM ME AND, WHILE YOU ARE SUPPORTEDBY THEIR LOBBY, I EXPECT YOU TO SOMETHING ABOUT THESECROOKS!!! 
Please be advised that the issues described in this complaint will be shared with

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/23/2016 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (MA).
Issue: Deposits and withdrawals

Complaint: We had a negative account balance for over six days in XXXX of XXXX accounts that we have with Ally Bank. They have a policy to freeze your account and then - this is the big issue - subsequently put a 5 business day hold on any deposits for six months ( or more, I 'm a little unclear on the timeline ) following this incident. As they are an online bank with no physical locations, the only way we can access funds is either through direct deposit or a mobile check deposit. We have some direct deposits, but most of my income is as a freelancer who gets paid in small, handwritten checks. A one week delay of access to most of the money I receive is incredibly hard on us and of course makes it more likely that we 'll run into trouble with overdrafts and a negative balance. Their policy really seems to encourage exactly the thing that got us into trouble in the first place.

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 09/15/2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Making/receiving payments, sending money

Complaint: I contacted Capital One Bank 's customer care handling credit card payments on Wed., XXXX XXXX, 2016 at XXXX XXXX. as soon as I arrived home from work. Payment due then and I wanted to submit my first payment. Bank had closed and I went online chat to make payment. The customer service person stayed away from the phone so long that I sent chat asking if she were assisting another customer. Once she returned she said another department would assist me. It was XXXX XXXX. then XXXX where I reside ( XXXX, Texas ). A guy came on line and when I told him that I wanted to make my payment, he also took awhile to return to chat at XXXX XXXX saying what I already knew -- my payment due today. He continued saying that since it was after XXXX XXXX my payment is officially recorded as being late! I informed him that it was slightly passed XXXX XXXX my time, but he did not care. I told him that I would take this matter before CFPB. This morning, XXXX XXXX, I visited Capital One Bank to speak to the manager at XXXX but he had not arrived and they were short on staff. I had to get to my job and waited as long as I could but it was just taking too long.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Bank XXXX XXXX is incorrectly reporting the last activity on the account. The last payment on the account was in XXXX XXXX. There has been no payment, reinstatement, or any other agreement to reinstate loan after the last payment. The credit reports are showing payment activity through XXXX which is incorrect. This credit line should be corrected to reflect the last activity/payment XXXX XXXX. This loan was accelerated on XXXX/XXXX/XXXX and there has been no payments, agreements or reinstatement of the contractual loan since the acceleration.

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 09/19/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid my balance off in XX/XX/XXXX i have debit statements proof, they sent me a paid in full letter, the rep said it would be deleted from off my credit report, yet I still see it on there months later and I called to reassure on XX/XX/XXXX and a different rep said that they dont delete paid balances, then why would the first rep falsely lead me on to pay a debt that wouldve fallen off by law XX/XX/XXXX Portfolio Recovery associates XXXX XXXX XXXX XXXX, VA XXXX XXXX

Company response to consumer: Closed with explanation