milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been watching my credit report on all XXXX agencies since I was sent to default on some student loans I should n't be in default for, regardless, I have been submitting disputes to agencies and slowly building or trying to build back a credit they seem to no longer care what I dispute. I have never had issues with experian until now, I used to be able to send a dispute and the matter was cleared or adjusted as such. This creditor is now the one that falls behind and fails to update my report as requested. I am told phone call after phone call that they do n't handle the reporting or that they all report the same issues which both in fact are false. If they all reported the same thing I would n't have this issue and each business wouldnt just wipe out XXXX report and not another. I have collections accounts that have dropped off of XXXX and XXXX because they no longer belong to that company, and the company that has it has been only able to post that is in in collections and not each months payment. Experian fails to update my report and wipe off those that are paid, as I was told by that company they would disappear and they have not. I have disputed items and even mailed in items per the disputes request and no update or response was given from experian.

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 08-10-2016 about Consumer Loan (Installment loan) with Set Financial Corporation (SC).
Issue: Problems when you are unable to pay

Complaint: I live on XXXX. Set Financial has been calling all my contacts even after I told them not to. I am 3 payments behind and is having financial and health issues. I had like 10 texts on XXXX XXXX. I am getting rude calls from XXXX, SC. Please help back them off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Joseph M. Tobin, PC (CT).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: We have a court order to remit {$35.00} per week to a law office on behalf of XXXX XXXX XXXX for a line of credit we had with them that we admitedly defaulted on due to being laid off and having XXXX medical issues. We have set up the weekly payment with our bank so that a check is automatically mailed every week. Regularly this debt collector holds checks for months and then cashes them all at once which is no problem as this checking account is only for this purpose. On several occasions, the debt collector has become impatient and has submitted a bank execution against us fraudulently - which we have even been to court on and had the court tell them to refund the amount of execution. Now they have sent us a form that they wish us to tell them about all our assets in hopes that they can escalate the payment of the amount we owe. We already filled out that form last year and nothing has changed so we are choosing not to fill in the form because as soon as we did last time, they drained all of our bank accounts for over {$6000.00} and then randomly drained them over and over throughout the year. We electronically pay on time every week without fail and they keep bank executing us to drain all of our accounts which has now caused us to go into default on our mortgage because money we had saved to pay our monthly mortgage payment has been executed for this debt collector. Also, when they bank executed us the marshal who " served '' us was permitted to keep XXXX of the amount executed for services rendered so in actuality, they bank executed us but our debt owed only went down a very small percentage once fees and interest were taken from that execution after the marshal took their cut.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Consumer Loan (Vehicle loan) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Managing the loan or lease

Complaint: Citizens One reversed a payment from my loan stating that a check they received from me has been stopped by XXXX. The photo copy of the check they sent me had a different name and was payable to XXXX XXXX. It was a check issued by XXXX to XXXX on behalf of someone else. After further investigation, Citizens One claimed that the check that was sent on my behalf was cashed by XXXX and an error was made by XXXX. I notified XXXX and they replied that a check on my behalf was paid to XXXX XXXX XXXX XXXX on XXXX XXXX, 2015. I was also informed by XXXX that a check can not be cashed by someone who is not the payee. I am wondering how Citizens One knew that it was XXXX XXXX who cashed the check and how it was cashed when my check was payable to Citizens One. Citizens One does not want to give me a credit for the {$250.00} check that I paid them and told me to go to XXXX since they claimed that it was XXXX error and not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Payday loan () with DFC GLOBAL CORP (FL).
Issue: Payment to acct not credited

Complaint: The store allowed an extend payment plan on a payday advance that was paid for in full by ACH check on XXXX XXXX, 2015 and fail to refund cash payment. 

I obtained a loan of {$500.00} from The Check Cashing Store and agreed to payback {$550.00} on XXXX XXXX, 2015. I was not able to pay the full amount on my due date. 

The representative allowed me to make a partial payment of {$300.00} in cash in order to extend the remaining balance of {$250.00} for my next pay period. 

The Check Cashing Store ran my check which cleared on XXXX XXXX, 2015 in the amount of {$550.00}. 

I contacted the store and was advised they had no record of my cash payment and that my receipt was not valid because it was tendered as a Money Order. 

The rep claimed she could not do anything but have the manager XXXX look at the surveillance cameras to prove I paid cash. 

The Check Cashing Store or the manager has made NO EFFORTS to contact me with results of the surveillance camera or my REFUND of {$300.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/26/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America N.A . is the servicer of my mortgage. A year ago I removed my ex-wifes name from my mortgage using a qualified assumption through Bank of America. Ever since the qualified assumption has been performed, I have been locked out of being able to access my mortgage via online resources. I have a savings account, checking account, and mortgage through Bank of America, and before the assumption, all my accounts were linked through my overview page and could be access from XXXX spot. Now every time I try to access my mortgage I get an error message that states " Due to a technical issue, we are temporarily unable to display Qualified Assumption loan details in Online Banking. Your monthly statements and your annual tax statement will be issued via XXXX mail and payments can be made via the banking center, over the phone or mailed in. We apologize for any inconvenience this may have caused. Please call XXXX for account information. '' I have called Bank of America multiple times to try and resolve this issue. Every time, I spend hours on the phone, get bounced around from department to department, and ultimately am just told " This is because an assumption was done. Give it a few months, you will have access again. '' I still am not able to access my mortgage account via my online banking center, and I realize this might be viewed as a minor inconvenience, but it is deny me my access to the information regarding MY home loan, and I now have to rely fully on the US postal service for my payment options. If for any reason my payment check should get " lost in the mail, '' I am unable to just log into my account and pay my mortgage as I used to be able to do. 

I feel silly turning to a regulatory agency to try and resolve such a simple issue, but I have been given the runaround by Bank of America numerous times, and have wasted hours of my time talking to various agents and departments with no resolution yet. A mortgage is a VERY serious financial decision and it is very disheartening to see that the very large banking institute that is in charge of my financial future can not even fix a SIMPLE problem and restore my online access 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 12/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SQUARETWO FINANCIAL CORPORATION (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a paid debt that is more than 10 years ago and yet the original creditor charged it-off but continues to report it even though it is very old. The collection agency has switched several times over 10 years. The current collection firm will not provide me with the note signed by me nor a listing of all payments and dates. This is the third collection agency for this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (NY).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/2014, I requested a wire transfer from my savings/brokerage account at XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, to my Ally Bank, XXXX. XXXX XXXX, XXXX XXXX, PA XXXX individual checking account in the amount of {$3000.00}. The funds were drafted and I was charged a wire transfer fee of {$25.00} on the same day. The wire reference number was XXXX. I confirmed the XXXX and routing number to be the correct values with both institutions. XXXX claims that the funds were accepted, Ally Bank claims that they never received them. XXXX claims that they can not recall funds after they have been sent, Ally claims that they can not credit funds without a wire transfer receipt. I am at the end of my rope, and would appreciate any guidance that you could provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Student loan (Non-federal student loan) with HSBC NORTH AMERICA HOLDINGS INC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: A few years ago I started getting phone calls and a monthly bill from XXXX XXXX XXXX XXXX, XXXX. I asked the person who called me, who was the creditor, and they could not verify my questions. The original creditor is HSBC BANK NEVADA , N.A . They are telling me they can sue me and turn me into the credit reporting agencies. I 'm confused because I am paying my student loans monthly to the department of education. I did send in a payment a couple years ago. It never got taken off my balance nor did I get a receipt for it. So I have not sent any more money to them. They have pre-approved me for a discount in this letter. Their are XXXX different company names on this letter. I sick of them sending me letters and calling my home phone number. I feel like they are not who they say they are and I feel like I 'm being harassed by them.I honestly think these are not the right creditors and they are trying to scam me out of more money. I do have some unidentified things on my credit report and that is how I came to your site and seen you guys were investigating this company

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have on three separate occasion in the past 90 days tried to call Trans-union to have these hard inquiries removed from my report as I dont recognize them and these companies have not sent me any information in regard of the reason of inquiry. This is unalwful 604. Permissible purposes of consumer reports.

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 02/21/2017 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Credit determination

Complaint: In XXXX, 2017 I gave my credit card to XXXX for payment on TJX Rewards/Syncb and it was denied. I have no history of late or nonpayment with this company. I have a credit score of XXXX. On Sunday, XXXX I went to the XXXX at the Convention Center in XXXX and tried to purchase a product using the same card for a XXXX ( jewelry cleaner ), website address is : XXXX. this was {$20.00} plus tax and my TJX card was denied again. I am XXXX years old and have NEVER BEEN DENIED using credit cards. I have been humiliated, embarrassed and am very upset about this matter. I have been given no reason why this has happened. There are two dates involved but you only allow space for one date XXXX and XXXX are the denial dates.

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 07/16/2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed a XXXX XXXX credit card a few times with all XXXX credit bureau and all XXXX claim XXXX XXXX says the account is mine. When I call XXXX XXXX, they tell me that they have no record of any account with my social security number. They tell me that I should dispute the item on my reports, which of course, I have. I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: I am a XXXX XXXX XXXX veteran. My Federal Student Loans have been discharged due to my XXXX. None of these Federal Student Loans were ever late or in repayment status prior to my XXXX XXXX effective date of XX/XX/2013. 

During the administrative work with SSA and US Dept. of Education and XXXX to process my XXXX discharge the loans were placed in late payment status. XXXX sent me a letter to correct this with all 3 credit bureaus. 

I submitted the letter from XXXX to all 3 credit bureaus and all 3 have refused to remove any late payment reporting on these Federal Student Loans. I have disputed the accounts to no avail with all 3 credit bureaus.

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 09-01-2016 about Payday loan () with NAM National Arbitration and Mediation (MD).
Issue: Charged fees or interest I didn't expect

Complaint: Some place called ADR GROUP keeps calling harassing me telling me I owe money from a payday loan from 2010 and that is I do n't pay it I will be arrested. They have not sent me a bill or any information concerning the debt. However I did pay them XXXX $ for 4 weeks because I was scared because they kept threatening me. They have even called my family telling them I owe money and that they are looking for me & they need statements from them.

Company response to consumer: Untimely response
Consumer complaint received 05/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have started back in  2013 to ta ke online courses with  XXXX  university and I was doing fine in the beginning but after a while it was not easy so I called and said I could not do the classes so I left and now they want me to pay  XXXX  in student loan. I do n't have a job because I was let go and now I am unemployed and I do n't have money to pay back. I tried to get student loan forgiveness they said I could if a I paid the  XXXX  for 2 months and the rest would be forgiven. I told I do n't have money to pay for 2 months. I only get a  XXXX  a week and  XXXX  in food stamps. Now my account for unemployment is on hold so I am not getting anything at the moment!! Can you help me find a solution to my problem. I feel I should not have to pay since I did'nt receive a credit for any course and it was not completed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Payday loan () with Mobiloans, LLC (TX).
Issue: Payment to acct not credited

Complaint: I received a loan in about of {$1000.00} around XX/XX/XXXX. XXXX my first payment towards the end of the month for XXXX. And ever other month til now. I paid back the loan and than some. I paid to them over XXXX and my balance is still sitting at XXXX I 've called them and they basic said told me, that 's just the way it is. So I 'm going to be paying {$2000.00} and something for a {$1000.00} that makes no sense to at all. I feel like this company takes advantage of people. This company has put me in a deeper hole than I already was in. I 've been having to make {$300.00} payments each month..

Company response to consumer: Untimely response
Consumer complaint received 06/24/2015 about Debt collection (I do not know) with ERC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I got cable TV and internet services From XXXX about a year ago. We verbally agreed on the monthly bills which included the severvices and the rental of modem. They told me that the bill will never change. I set up automatic payments from my account. I hardly even looked at the bills, In XX/XX/XXXX, the bill was raised from {$77.00} to {$93.00} with no notification or reasons given. I did not complain then a few weeks ago I got a mail from XXXX dated XXXX XXXX 2015, they wrote that they have not been billing me for modem rental and so my bill will go up by {$10.00} plus applicable fees and taxes. Few days later I got a mail from Enhanced Recovery Company , LLC dated XXXX XXXX 2015, claiming that my balance with XXXX remains umpaid and my account has been place with them to recover the sum of {$970.00}. Nothing was written as to what that amount was for. I have received no bill from XXXX for anything in this amount. all my bills were autopaid untill I deactivated my autopay on XXXX XXXX 2015 because I intend to stop the service and get internet from another provider. I called XXXX and told them about my intentions on the same day.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Advertising and marketing

Complaint: I over paid my capital one card. As part of a home refi they asked me to pay off and close this account. I looked up online my total balance and paid a direct payment through their website for around {$1500.00} in XXXX 2016. I asked them to close the account, they did. A few days later, another payment for {$950.00} was paid auto bill pay from my checking account. I forgot to cancel that check that I had scheduled. When I noticed the {$950.00} come out of the account I called Capital One. They said they did n't have any record of it. Then we did a three way conference call and Capital One and XXXX and I al talked. They said they would start an investigation. Nothing happened, I called a few weeks later, they said they would start and investigation, nothing happened. NOW, they are charging a NEGATIVE $ XXXX and my credit card shows I owe it???? They have been impossible to work with. This account has been closed and they owe me XXXX not the other way around and they just added a late fee. Its nuts.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Payday loan () with Ad Astra Recovery Services Inc (TX).
Issue: Received a loan I didn't apply for

Complaint: This company is reporting an account that I have no knowledge of ; Not only that- Its passed SOL in the state of TX . This company is damaging my credit and I 've never received any kind of notice prior to this acct reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Struggling to pay mortgage

Complaint: I have been dealing with Ocwen sinceXX/XX/XXXX regarding being behind on my mortgage and was never offered a repayment plan in this process. I can apply for a Hardship with my 401K Plan but need a Demand Letter or Notice with specific language as how many days or months the loan is in default, the amount I need to pay in order to avoid foreclosure proceeding and a future date in order to bring the account current. I have been corresponding the past month with XXXX, an Escalation Manager at XXXX, ext. XXXX. We spoke on XX/XX/XXXX and I stated to her that I would fax over the 401K Guidelines. I faxed over the document on Wednesday, XX/XX/XXXX in order for me to be approved for the Hardship ( I was previously denied in XX/XX/XXXX ). I was off from work for two days due to my mother pre-op appointments. I spoke with XXXX to discuss the faxed information in regard to her submitting the information for me to receive a letter and an updated Reinstatement Quote. To date, I only received a Response Letter and a Reinstatement Quote which shows different amounts that I owe. I can not submit that because the money amounts do not match. I called on Tuesday, XX/XX/XXXX and requested the same Notice or Demand Letter with the specific language. I was told that the request would be put in. Why? This should have already been put in the system. I then called on XX/XX/XXXX for an account update and spoke to a Customer Service Rep. and requested to speak to an Escalation Manager. He listened to my request of what I needed from XXXX and he noted this in the account as he stated. This is why Ocwen was sued because of mishandling of accounts. My Servicer was changed but Ocwen still services the loan?

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Problem with fraud alerts or security freezes

Complaint: Credit Reporting Agencies should not be able to charge an individual to freeze their credit. An individual 's credit should be frozen on default, including pre-screens, and only be unfrozen at the individual 's request.

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