milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/24/2017 about Debt collection (Medical debt) with Professional Placement Services, LLC (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: A few weeks ago I checked my credit report and noticed a collection placement for Professional placements for  XXXX   XXXX  for {$160.00} I never received a collection letter from them, as far as I was aware it was with another collection agency State collections who closed their account and removed it from the credit reporting agencies I have sent  XXXX  letters to Professional placements, via fax and Certified mail both have gone ignored. I have also. disputed said account with the credit reporting agencies.   XXXX    deleted, however  XXXX  and  XXXX  both verified.     They are in violation of Fair Debt Collection act and I wish for them to remove the entry on   XXXX   and  XXXX . I do have copies of all communication sent

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (HI).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I received 3 phone calls today from Trans World Solutions Inc. one phone call was at XXXX HST, XXXX HST and XXXX HST. All calls came from XXXX. 
During my call i originally spoke with XXXX XXXX. He did not want to give me the company address and transferred me to his supervisor XXXX XXXX who did share the address ( XXXX XXXX XXXX XXXX, DE ) but did not want to share the professional license number. He then Transferred me to the manager XXXX XXXX XXXX. XXXX continued to state that he could not discuss the professional license number with me and then said " since you do not want to confirm your address we can not disclose this matter. '' I requested several times after being on the phone with 3 different people over the course of 10 minutes for a verification of who they were and was unsuccessful doing so. I have no problem paying the debt, but I do have a problem with unprofessional and sneaky service. I should not have to provide ANYTHING to them without them verifying who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To whom this may concern, In follow up to my disputes concerning false information on my credit report, I have obtained my FTC Identity Theft report number which is : XXXX. The website is broken at the moment and will not generate a full PDF, however, Chex Systems , Inc. is legally required to investigate all disputes for fraud and the information within this PDF will assist in removing known to be false and previously disputed information.

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 01-12-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Other

Complaint: Dear Sir or Madam, I did not receive my bill statement on time and as result I was late with my payment for XXXX 2015. After that I had paid it in full. Late fee and residual interest was removed. I and my loan officer XXXX XXXX had multiple calls to Synchrony Bank trying to remove the late payment from credit report. We spoke with XXXX supervisors who hung up on us when we had asked for the letter. Finally one stayed on the phone with us the whole time and then came conclusion nothing could be done about the letter. 
Please help to resolve my dispute with Synchrony Bank and repair my credit. 
I beleave the Synchrony Bank customer service conduct is unacceptable and they do n't deserve to be XXXX service.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We are trying to payoff the reverse mortgage on my deceased mother 's home. Champion reverse mortgage refuses to provide the payoff amount even though requested verbally on the phone and in writing by fax XXXX. They continually state they have not received a request although they have acknowledged other information in the same fax. 
We have verbally requested how to make the payment and wiring instructions for the payment and they outright refuse to provide the information. 
Champion is proceeding with foreclosure while refusing to allow us to pay the mortgage balance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XXXX And XXXX of 2014 i asked for a Forbrence and was told that i got it but was stilll marked for late payment. which is still on my credit. The company is Navient

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I do n't owe XXXX {$33.00} I do n't even have their service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Debt collection (Credit card) with U.S. BANCORP (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: USBank and XXXX -This card was charged off back in 2001 they attempted to put a lien on my home but it fell off but since then I 've sold the house. I have not heard from these people for XXXX years and all of sudden they are trying to serve me. This company is harrassing my family members.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Trouble during payment process

Complaint: In XXXX, I made a complaint against Ocwen Loan Servicing regarding they 're servicing of my loan. There was no resolution to the problem. I hired a lawyer ( {$6000.00} ) in XXXX that said I had a strong case against Ocwen and agreed to sue Ocwen on my behalf. In the end for {$6000.00} the only thing he 'd done was to stop the sale of the house temporarily and get another loan modification. Which after the modification trial period wanted me to agree to a {$30000.00} FHA loan and agree not to sue Ocwen. I did not agree. Ocwen kept me in a state of foreclosure since XXXX. Every month in XXXX I kept recieving delinquency notices. I called Ocwen to make sure the money was being received and was told yes it was being recieved. Then in XX/XX/XXXX, I was told I was so for delinquent they would n't take payments any longer. That 's when I contacted CFPB. There was no resolve to the problem at that time and that 's when I hired XXXX XXXX. In XXXX after I 'd not accepted the offer for the modification my home went back on the court docket for sale. I then hired another lawyer, XXXX XXXX, bankrupcy lawyer, to avoid the sale of my house. I am currently under a chapter XXXX bankrupcy in order to save my house. After years of trying to get information regarding what I actually owe on my home I still do n't have any clear document stating what is owed or what all the fees and fines are for and monthly late fees. Nothing! I have entered into this bankrupcy just to save my home. I have spent {$10000.00} to save my home and Ocwen has not been held accountable for any of what they 're responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Debt collection (I do not know) with Platinum Holdings Group, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have been receiving threatening and harassing calls from Premium Asset Services in XXXX XXXX, CA XXXX. They called my employers twice, today and yesterday pretending to be a mortgage company. I attempted to find out what they were calling about, they refused to tell me unless I confirmed my social security number. When I refused to confirm my social security number over the phone, they threatened to sue me and have may wages garnished. I was transferred their so called legal department and threatened with court proceedings as I did not want to confirm my social secuirty number over the phone, stated that they would not give me any information without doing so.Case # XXXX I checked my credit report, I do n't see any company by the above name. I have a discharge bankruptcy and my accounts that were in collection were included in bankruptcy and charged off. I have never dealt with any company by the name of Premium Asset Services. When I googled them, the information was that they are a scam company and they have an F grade on the XXXX. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (PA).
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 had a dispute for the {$270.00} transaction from   XXXX   XXXX   XXXX   XXXX   XXXX   as they charged me twice, and I filed the dispute on  XX/XX/XXXX . Barclaycard forwarded my dispute to the merchant, and the merchant responded on  XX/XX/XXXX . Barclaycard forwarded their response to me and said " if you disagree with the merchant 's response and would like to reassert your claim, please send an updated signed and dated letter that addresses all of the points in the merchant 's response within 10 days of receipt of this letter ''. I followed their instruction and filed a rebuttal on  XX/XX/XXXX  to " address all of the points in the merchants response '' one by one and I have the witness ( See attachment ). Unfortunately, Barclaycard refused to forward my rebuttal to the merchant, and also refused to further assist me or pursue credit on my behalf. Barclaycard 's argument is wrong, and i am not even sure if Barclaycrd have read my letters which address their issues already : 1. " When the merchant was contacted they gave an estimate for the service that is to be rendered ''. Partially true. The estimate was {$390.00} for the service of 4 hours on  XX/XX/XXXX , but the service was unable to be completed as the movers went to the wrong address at the first place, and the driver refused to drive down the alley as " it was too dark ''. I did not dispute the charge of {$390.00}, and since it was an estimate, I could accept the final charge a little bit higher as I am reasonable. But I can not accept a separate charge of {$270.00} for the service rendered on the following day of  XX/XX/XXXX  for the service that had not been completed the previous day of  XX/XX/XXXX due to the movers fault.
2. " Until the full service is provided would they be able to bill for the exact amount of the cost ''. Not true. On  XX/XX/XXXX , the movers insisted on my paying {$290.00} ( the remainder of the charge of {$390.00} ) and signing off even though they were not going to unload, and on  XX/XX/XXXX  they refused to unload unless and until after I paid {$270.00} and signed off first saying " that 's the company 's policy ''.

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 09/25/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (TX).
Issue: Problem with the payoff process at the end of the loan

Complaint: On XXXX XXXX, XXXX at XXXX XXXX I went to Well Fargo to lift a pledge of my personal loan and pay off the total balance of {$26000.00} was quoted to my personal banker who contacted the personal loan officer at Wells Fargo to pay off balance of personal loan. 
I verified my account information and the amount owed was verified by the loan officer at Wells Fargo, I told them I was closing the account by lifting my Pledge and paying in full on the spot ; I proceeded to sign my papers to lift the pledge and make my payoff payment with a withdrawal out of my savings, I got a receipt for the total amount payed on the loan {$26000.00} and the remaining balances into my checking and savings accounts. My personal banker requested I call back to make sure no issue arise and verify the loan was officially closed. Three days later I received a phone call that this loan was not closed due to an automatic payment that had not been withdrawn 4 days prior to the loan being paid off. To my knowledge that payment was included in the payoff. On the XXXX of XXXX 10 days later after the loan was payed off, it was explained to me that a payment of {$420.00} tried to come out on XXXX/XXXX/XXXX and " posted '' on XXXX/XXXX/XXXX but was rejected on XXXX/XXXX/XXXX was tried again with insufficient funds to cover second attempt which in return a payment reversal was done again on XXXX/XXXX/XXXX in the afternoon while that same morning I had came in for the payoff amount. As my final thoughts on this situation I still understand I payed my full balance per the conversation with the loan officer and  my personal banker.

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 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: These inquiries were not authorized by me I contacted the credit agencies but the items were not removed. TransUnion XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX  XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX  XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX  XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017

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 09/16/2015 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Barclays Bank Delaware obtained a judgment against me in a county in XXXX. I live in XXXX and being unable to travel to XXXX they obtained a garnishment of my wages in XXXX without transferring the case to XXXX where I would be able to seek exemption for rent and other living expenses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: Santander is so AWFUL! I have contacted them many times to send me a pay-out of all my payments that I have paid since I had this car. I got the car in  XXXX  and still owe  XXXX  dollars, my total in the beginning was  XXXX . This is for a  XXXX   XXXX  ( I needed a car and had to do it ) But It seems like every time I pay my balance stay the same. My Maturity is  XXXX  now but when I got the car it was  XXXX . Every time I ask them break it down to me they claim someone will call be back, or they place me on hold and hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was told by XXXX that my daughter could not get a loan because she had no credit established so they offered me a PLUS loan to get her started. At that time they did not tell me that I could decline the loan and that my daughter would have still been able to get a school loan without my help. I was a single mother and struggling financially so I deferred these loans as much as I could only paying here and there but still trying. My payments stayed pretty much the same for years. Then Navient took over. After struggling through a very expensive divorce I got behind in my payments to them so I deferred once more. So starting in XX/XX/XXXX I started paying on my loans and my payments were {$200.00} which I could do. Then I started getting notices that I was behind on payments. I went back and looked and from XX/XX/XXXX to XX/XX/XXXX I had made {$1200.00} in payments ( I started at the end of XX/XX/XXXX and was making {$200.00} payments every XXXX weeks ) but when I would look up my loans online it showed I was still behind by almost {$800.00}. I started looking at my statements and realized that they increased my payments In XX/XX/XXXX from {$200.00} to {$350.00} and then starting in XX/XX/XXXX my payments would go up to {$370.00}. I called Navient and told them I could not afford to pay {$370.00} and why did my payments increase and they could not give me an answer. They said my only solution was to file for forbearance and they would cancel out the money I owe for back payments. I told them I did not want to file for forbearance again because that would only increase the interest that I would owe. They told me that was my only way to catch up on my payments. It is so totally unfair that you try to help your children get a good education and try to help them out but end up paying for the rest of your life because the interest on school loans. Navient is so uncaring and they are liars and need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened a student loan in XXXX 2011 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$8600.00}????

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Without any notice, Citibank closed and cancelled my Costco Visa Card. I have had the card ever since it was introduced and have had a long and mutually satisfactory relationship with Citibank for years. They somehow received mistaken information that they " previously had to close XXXX or more Citi accounts in [ my ] name '' and that is not true. So they closed this account with no notice and stole all my Costco dollars which I had earned. I would like the account reinstated as it was closed inappropriately and I would like the money I had relied on for my Costco purchases.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (GA).
Issue: Other service problem

Complaint: XX/XX/XXXX -- requested information/documentation of Western Union transactions that I sent to ONE person. 

XX/XX/XXXX -- called to see why it has n't arrived. They told me that after all this time, it will take 21 additional days to process this simple request. I told them this is for an id theft/fraud prosecution and they STILL told me it would take 21 days to even e-mail me the requested information. 

I now must attempt to plead with the investigator of my case to subpoena this infomation from them before the id thief leaves town. I am a 2 time XXXX XXXX veteran and I got no cooperation!

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: My old boyfriend got in my bank account and took money out of  XXXX    XXXX   when he was here. He saw my password to my bank. Did not know it at the time. He took  XXXX  out that I never had in there and ran with it!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On XXXX/XXXX/XXXX I signed up for a free service called TrustedID sponsored by Equifax. I had locked and unlocked my credit report several times between the dates of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I requested to unlock my report as I am in the middle of a new mortgage and they are required to run my credit. When I clicked on unlock, it indicates " An error has occurred ''. I have called XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX over the past 7 days and have spoken to a supervisor in each of those departments. Thus far, I have been unsuccessful at getting my credit unlocked. This could cause me to lose my house and down payment. I need help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-10-2017 about Credit card or prepaid card (General-purpose prepaid card) with Young America Holdings, LLC (AL).
Issue: Unexpected or other fees

Complaint: Hi, I received a prepaid card for {$240.00} on or around XXXX/XXXX/16 as a rebate on a promotion. I 've used the card a few times over the year, and when I recently tried to check the balance, I was told that the card was only valid for one year and all remaining funds had been removed from the card. I understand companies needing to charge a maintenance fee if the card has been open for a long time, but to remove all remaining funds from the card after less than a year seems a bit extreme.

Company response to consumer: Closed with explanation