milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2016 about Consumer Loan (Installment loan) with LendKey Technologies, Inc. (AZ).
Issue: Managing the loan or lease

Complaint: This company Loan Key - Lend Key is the most dis-functional people I have ever dealt with. I took out a small {$2000.00} loan for medical. Payments were set up on auto pay for the XXXX of every month for {$92.00}. Plus i was making extra payments on top just to pay it off quickly. I noticed that online said paid but nothing was pulled from my bank. I called a number of times always getting the same answer. Your account is paid and no payments due. Then I called again to make sure on XXXX. After receiving an email my account is past due. Talked to XXXX at XXXX XXXX confirmed my {$300.00} payment and next payment due XXXX He guarantee everything was good. Got a call not but 20 mins later from lend key saying my account was past due. Told her I just talked to XXXX and he said all good. She said your right. Its all automated and I apologize. Then Saturday morning XXXX I got another email that my account is delinquent. Tried to call and closed on Saturdays. First thing today Monday morning i called to get the pay off amount. Again talked to XXXX he told he {$1900.00} I let him know would be paid off today. I was very unhappy with this company. Again not but 30 min later I get a call from lend key that my account is past due. These people are insane!!! I was n't very nice to her. She said OK have a good day. I made the pay off payment this morning to be done with this company. An absolute joke!! I have all my transaction history papers and notes. 
Someone really needs to look into this company and shut them down! No communication between there systems and people. Clueless customer service. Worst loan experience I have ever had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Experian has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$430.00} XXXX XXXX  XXXX XX/XX/XXXX {$430.00}

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 non-monetary relief
Consumer complaint received 11/20/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Upon checking my credit report over the end of this past summer I noticed a listing saying I owed {$1500.00}. This amount was supposedly " opened '' originally with a XXXX XXXX XXXX XXXX XXXX XXXX  company on XXXX XXXX, 2014. It is now in the hands of XXXX XXXX. I disputed this debt through XXXX by way of XXXX XXXX and when the dispute was finalized I got notification of it being removed from my report. But right after ... .I noticed that it was listed again as a debt owed to this company. Not only did I not incur this debt myself, but I was in horrible car accident ( that left me XXXX ) the month prior and was still hospitalized when this debt was supposedly opened/started.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received notice that this Company was added to me credit report, I had never heard of them before so I contacted them and asked for them to validate the debt.I have repeatedly wrote letters to them, i also sent a Certified letter too and it was returned to me because the address they gave me was incorrect, so I looked up another one re- sent it, I think they are committing fraud. They have not provided and services or goods to so why do I have to pay them money

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to get approved for a loan modification and I have sent the requested documents to wells Fargo Bank 4 times now and I keep getting letters stating I need to send the same documents I 've already sent. I have tried calling the specialist assigned to my account for help but she does n't answer her phone and never calls me back when I have left voice messages.

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 04-02-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX consolidated loans ( Unsubsidized & Subsidized ) with Navient from XXXX schools I attended. I submitted a change in repayment plan application on XXXX/XXXX/XXXX. I was on the XXXX plan and requested to be switched to the REPAYE. I became unemployed on XXXX/XXXX/XXXX and have remained so. I submitted all the required paperwork necessary which included a letter indicating my situation as well as my unemployment approval letter. That is my sole source of income. After submitting it, I was told it could take up to 20 business days to complete. On XXXX/XXXX/XXXX, I received an e-mail which stated that my application could not be processed because I applied before the renewal period. This e-mail was in error because my application clearly stated that I wanted to change my repayment plan, not renew it. Nevertheless, I called and recorded Navient on XX/XX/XXXX to clarify the mix-up. After being transferred twice, I reached a rep named XXXX who assured me that he was going to take care of it. He said that he needed to collect a small expedited payment from me of any amount ( {$10.00} ) and he would put a one month 's forbearance on the account, forcing the system to remove me from the IBR plan. At which point my application to be placed on the REPAYE plan would be processed. He said I did n't have to resubmit an application and the existing one would be used. My forbearance expires on XXXX/XXXX/XXXX and my payment is supposed to be {$0.00}. However, I have not received any follow-up on my application and according to the navient.com website, my payment would resume at over {$600.00}. I 've spoken to and recorded over XXXX reps including XXXX to get this rectified. I can not afford my payments and have done everything within my power to communicate and submit the required documents. I will follow-up on the next business day, but wanted to file a complaint against this company for purposefully delaying the processing of my repayment application ; thereby increasing interest on my account and possible late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/27/2017 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I was charged XXXX twice ( XXXX ) by XXXX. I never made a transaction with them. I went into Regions Bank on XX/XX/XXXX to dispute this transaction as I had already tried to correct this fraud charge with XXXX and was getting no where. On XX/XX/XXXX I received a letter form Regions stating that my claim was denied. the letter sated that my claim shows I cancelled aster the transaction date! WHAT! I told Rgions this was straight up fraud by XXXX. I never authorized them to charge my card not did I ever sign a credit card authorization. The total of XXXX that was charged is fraud and needs to be refunded back to my account asap.

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 02/17/2017 about Credit card () with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Balance transfer fee

Complaint: Citizens Bank offered a zero percent balance transfer with no disclosure ( deceptive at best ) that they would charge interest on the balance transfer fee. Essentially skimming and charging interest in interest. This is borderline theft and I 've done balance transfers with others like XXXX, XXXX and XXXX and none has ever been so underhanded charging interest in balance transfer fees. ( charging interest on interest ). I was then told if I close the account they will damage my credit even though the card is up to date. I do n't appreciate intimidation factors to disuade me from standing up for my rights

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/15/2016 about Money transfers (International money transfer) with RIA FINANCIAL (NV).
Issue: Other transaction issues

Complaint: Riamoneytransfer was contracted to provide payment service. 
After taking money, they blocked account. Payment was not made nor refunded. 
Emails to company are ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Trouble during payment process

Complaint: XXXX XXXX, 2017 I am having problems with Bayview Loan Servicing , LLC. 
They do not acknowledge the receipt of my e-mails, letters, or faxes. 
They do not acknowledge the payment made for my Trial Payment Plan - Loan Modification. This is a  continuing challenge. 
I have been trying to get them to answer two letters that my wife sent them. 
One letter was sent on XXXX XXXX, and the other on XXXX XXXX, 2017. 
I have questions regarding the Trial Modification Plan - Loan Modification. 
However, BLS refuses to answer my questions, and let me know that if I did not accept the Trail Modification Plan - Loan Modification the way it is by XXXX XXXX, 2017 they will proceed with a Foreclosure Trial on XXXX XXXX, 2017. They are in total violation of the T.R.I.D act. How can Bayview Loan Servicing , LLC continue to do business in the U.S.A.? Their President is the former COO of XXXX XXXX which is under investigation for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Debt collection (Auto) with EXETER FINANCE CORP. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: they call at least 6 times per day and sometimes even while im on the call with the company they are calling me on the other line.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I set up a monthly payment plan with a credit card to pay down the loan. The company failed to withdraw twice because they claim the account amount was insufficient, I have records of my payment stubs to show that the account was more than sufficient. This is the second time an error of data entry on Navient 's part has resulted in payment error. However, the company is claiming that because of their error, I am responsible and will go into default. Every time I call to find out the issue, I am met with hostility and blame. I have followed on my end and Navient continues to make it impossible to relieve this burden.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I pulled may credit report and saw a medical bill from XXXX XXXX XXXX. I have not received any service from this hospital. The bill is showing on all three credit bureaus, from two different collection agencies. I contacted the agency that is listed on my XXXX and XXXX reports since its the same agency XXXX XXXX XXXX XXXX. I spoke with a rep ( XXXX ID # XXXX ), explained to her this is NOT my debt. And I asked her how did they send this to the credit bureau without contacting me. Well they did n't have an address, phone number or any type of contact information linking me to this account. Thats how!!! She tried to look the account up by my name, address and phone number and NOTHING comes up. She then looks the account up by the last four digits of my social and the account comes up under someone else name. So I asked her for the address the letter they sent the notice to and she told me she could not give me that since I was not the patient listed on the account. She goes on to tell me that I can dispute this as identity theft and contact them in five days, or they can still come after me for payment. How is that possible? I am not paying for a debt that is not mine. When the rep could not find an account for me she asked are you sure we ( XXXX ) sent this in to the credit bureau? I told her yes and read off their information from my report. I did n't have an account number for the debt which she did supply me with the account # XXXX {$620.00}, # XXXX {$200.00}, # XXXX {$550.00}. I 'm currently out of work and was offered a job at a XXXX XXXX which the offer was rescinded due to my credit. The collection agency is not willing to remove this debt and it is causing me to not qualify for employment in my field of study.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (Auto debt) with Westlake Services, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I was looking at my credit report and I noticed there was a car loan that was closed and never been paid this was very heartbreaking to see knowing that I have never had any type of car loans in my life and the only credit report that it showing on is my XXXX this is not showing on any other report now that I investigate deeply I am seeing a lot of things on my report that is fraudulent and as a result in identity theft I have communicated with the Creditor Westlake Financial to take this off my credit they said they will try to put a request in the address they have is not the same address is on file where I live at please have them remove this fraudulent activity off my credit report please

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Debt collection (Medical debt) with Harvard Collections, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Ask for a validation letter in which they can not provide for 3 different bills they say I owe open date XXXX2017 one bill for XXXX $ another for XXXX $ an lastly XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: After checking my credit reports I saw that my credit scores had dropped and saw that I had XXXX collection accounts ( from XXXX and XXXX, PA ) that were added. I had never heard from this company before, never got anything mail or phone calls from this company before it was placed on my credit reports. So I sent them a request to validate the alleged accounts ( on XXXX/XXXX/2015 by fax to XXXX ) but never heard back from them within the 30 days required by the LAW. So on XXXX XXXX, 2015 I sent them another requesting that they delete the accounts from my credit reports since they did n't respond within the 30 days as the law required. As of today they continue to report these accounts on my credit reports. I 've contact the original creditor who is listed on my credit reports and they did n't have any information about the XXXX alleged accounts. They continue to report these alleged accounts to the CRA 's in violation of the FCRA, FCBA because I was never sent any notices before they reported these alleged accounts on my Credit Reports. These accounts have been deleted from my credit reports and keep getting sold to other companies after its removed from my credit reports. The alleged account is in violation of Pursuant to XXXX FOUR-YEAR LIMITATIONS PERIOD. These accounts were deleted and continue to be resold and placed back on my credit reports ( the companies that had the accounts that were deleted, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). I sent the collection company a letter to validate the alleged debt and never heard back from them but continue to report that it belongs to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (MN).
Issue: Loan modification,collection,foreclosure

Complaint: I 've been through a bankruptcy. My were debt were discharged in XXXX. Among them is this mortgage. I want Green Tree to do a Deed in Liu. I have made XXXX attempts. They have requested numerous documents which I have provided. The first time they told me they were closing my request for a deed in liu and that I had to evict the tenant presently in the house. So I started the process again. Sent all the ducuments again and asked my lawyer to help me evict the tenant. This process has begun. We gave the tenant 30 days notice as is required. The tenant was served this notice. Next month it will go to court if the tenant does n't vacate. Today I was informed by Green Tree that they were again closing my request for a deed in liu since the tenant is not yet out. 

Well since I 've been through a bankruptcy in XXXX and I 've begun my fresh start, I 'm not willing to compromise my private documents yet again for a XXXX time. I do n't see why Green Tree ca n't keep my request active until my attorney is able to get the tenant removed. I 'm not willing to go through the document sharing process again. 

In addition, the forclosure process in NY takes two years. I 'm trying to speed up the process with a deed in liu. The bank is n't willing to work with me. 

What do I want? Just keep my deed in liu request active until the the tenant is out and the deed in liu can occur. Asking for these docuements after a bankruptcy seems unreasonable to begin with. Asking for them XXXX times does n't seem to me appropriate at all. I just want to the bank to take the house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan modification,collection,foreclosure

Complaint: My husband andihave been trying to get our modification cleared up since 2010. We were in the process of being approved for a modification when pur mortgage was sold. We were never notified of our changed interest rate and allowed to resume payments and have been struggling to get a modification every since. We have app, XXXX at least XXXX times and have verbally denied each time with no written documentation toback this up Now we are considering g filing another Chapter XXXX tAnd payingtheXXXX payments arrears just so we can remain in our home. XXXX, y want to be able forest me payments with arrears put to the back of the loan we are not looking for a lower payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Settlement process and costs

Complaint: My mortgage was financed by Nationstar. 
I contacted this company several times to give my attorney what he needed in order to close on this property. 
He called them asking for a DEED assignment, and he was told he would receive an email. He contacted them for Several days and still nothing. He finally contacted me again to see if Nationstar would just send it to me. I was told they had it on file but would need to contact the dept that had this document. I contacted them again, asking, begging, for this document so I could close on my house, and they had the nerve to give me another website to visit to obtain this Deed ... CAN YOU BELIEVE THIS! To this day, it has been several weeks, and I still do not have from Nationstar what I requested. This has been a nightmare. Selling your home, and paying off a mortgage should be a GREAT experience, but Nationstar made this so difficult for me! I will never do business with this company again! Please run, and not walk from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: XX/XX/XXXX i noticed online an unauthorized ( pending ) transaction ( {$36.00} ) on my wells fargo checking.immeduately contacted fraud dept. they pointed out that same company ( XXXX XXXX XXXX ) had previously charged three other times since XX/XX/XXXX. for 3x {$36.00} & 1x {$12.00}. 
i informed wf that i was receiving no subscription, Bank opened a dispute case told me that they must allow the pending payment to process to completion tgen it would be added to other charges in dispute. 
and told me that I would have a response and refund 10 to 15 business days. on the XX/XX/XXXX I saw a deposit into my account that said final deposit {$12.00} with no other explanation received an email on the XX/XX/XXXX which said that they had made a decision that I would receive a letter explaining the final amount that was too excited and that if I still had questions once I have that letter so I should call two weeks later no letter.when i could wait long enough on hold it took 19 minutes to speak to someone who tgen put me on hold for most of the call. only to tell me that wells fargo was only liable for the {$12.00} ( introductory rate, i called XXXX XXXX XXXX myself while awaiting the letter which never came ) XXXX cancelled fraudulent account in my name, suggested i push back on my bank for refund. Wells Fargo agent insists theyre not liable for anything beyond 60 days. ( not even the pending transaction which i alerted them to? ). 
W.F. bank. says theyre pushing back on visa to refund the money and that decision could take up to 45 days. i requested a letter stating so & she told me that I would receive a letter once they have a final decision. my truck was broken into XX/XX/XXXX, thieves took my XXXX, notebook, cell phone, & in XX/XX/XXXX my mother XXXX, so i didnt notice the unauthorized transactions, when i did i alerted bank.

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