milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is about the 10th time Ive tried to get my credit report reporting correct and nothing seems to be done. I understand the account can not be removed, although I have PAID THE COLLLECTION OFF IN FULL. however, the account status is still being reporting incorrectly, the account status with transunion had the account as being derogatory. Let me state the correction, The current account status is not derogatory, I have paid the account in full, so it should indicate CLOSED/PAID. Secondly, the payment chart for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, shill show as " C '', for collection. This account was paid off XXXX XXXX, and became no longer in collection when I made the final payment. This holds true for XXXX. XXXX seems to be the only reporting agency that is reporting correctly. The account in question is XXXX XXXX, for my XXXX XXXX Account ending in XXXX. PEASE CORRECT MY CURRENT ACCOUNT STATUS TO PAID/CLOSE AND UPDATE MY PAYMENT HISTORY FROM XX/XX/XXXX TO NOW, AS CLOSED,. According to section 609 of the fair credit reporting act provided protection of consumers against false and erronous reporting. II was advised my another ageny that I can hire a legal team to get this correct. I am trying my best to get this done without a legal team, so please update my current account status and payment history

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Payday loan () with GVA Holdings, LLC (NC).
Issue: Charged fees or interest I didn't expect

Complaint: XXXX XXXX Now supposedly is a pay day loan company. However, payments have been made on time per the paper work that I signed, automatic debits have caused the loan balance to increase. IF you pay a loan, on time every time per the paperwork, your balance should go DOWN, not up. I 've paid for MONTHS. Approximately {$600.00} on a {$400.00} loan only to be told my balance is {$420.00}. How is that even possible when weekly payments are made??????

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX, I discovered during a telephone conversation that my mortgage had been acquired by Carrington Mortgage Services. This allegedly occurred in XXXX, but I was never notified. ( I did receive a couple of voicemail messages during that time, but I assumed it was a solicitation to refinance my mortgage because I had received calls from other companies for this purpose. ) During my initial phone conversation, I requested written verification via email of Carrington being the new mortgage servicer. This request was refused. When I asked to speak with another representative, I was told that my call could not be transferred and that I would have to call back. During my second telephone conversation with Carrington, I again requested information in writing via email or fax so I could confidently submit payment to the appropriate company. Again I was told this was n't possible, but was promised a request for this information would be submitted to that department. I was told this would be mailed to me within 7-10 business days. The representative indicated he could take a payment over the phone. When I told him I was uncomfortable doing that, he encouraged me to register on Carrington 's website. I did this, but the website did not allow me to access any information about my loan, nor would it allow me to make a payment. It showed my name and a loan number. On XXXX XXXX, XXXX, I contacted Carrington again to tell them I still had not received a statement or confirmation regarding the sale of my mortgage. Again, I requested something in writing via email or fax. I indicated that I would submit any payment due as soon as I received confirmation. I was yelled at by the employee and told that I did n't need to be worried about receiving anything in writing because my loan was in preforeclosure. I immediately asked to speak with someone else and was disconnected. I tried nine more times to call Carrington that day. Each time I entered in my account number, the call was immediately disconnected. When I finally got through to someone again, I was told that my loan was not in preforeclosure, as had been stated by the previous representative. This was obviously a falsehood and a scare tactic. She told me that she would send me information by email within 72 hours. She also indicated that payment could now only be made through certified funds via XXXX XXXX. When I asked for a more secure transfer ( bank to bank ), she provided me wiring information to XXXX. I have now received an email statement from Carrington, but still nothing in writing regarding the acquisition date, etc. Prior to this loan being acquired by Carrington, I was never even a day late on my mortgage payment. Payments were automatically drafted from my bank account. When I inquired about initiating this process with Carrington, I was told that it would be available only after the loan was brought current and remained current for a six month period!

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Mortgage (Conventional home mortgage) with Servis One, Inc. (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: There is an unexplained charge of {$170.00} attached to my mortgage that needs to be removed. The company to me to have my lawyer explain it when I called. Unacceptable!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have a student loan with Navient ( the off shoot company of XXXX ) that is in good standing ... Naivent acquired my student loan as a rehabilitated loan from XXXX XXXX more than two years ago but XXXX XXXX is still reporting my previous balance to the credit agencies even though this account was transferred to Navient. Thus, in my credit report it is showing the original balance at XXXX XXXX plus my current balance which is showing me to be doubly in debt on my student loan. XXXX XXXX, through their automated voice system ( you can not speak with a live person ) refers ALL calls and inquiries to Navient and Navient will not make the correction though asked multiple times in formal written requests and phone calls over the past two years. I have provided copies of my Credit Report and more. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: On XX/XX/XXXX, I called CitiCard to close out one of two accounts with them. ( Earlier, I had stopped using the card in question and transferred the two " auto-payments '' on the card to another CitiCard I have. ) My request was processed without incident. 

On XX/XX/XXXX, while filing away the last statement I had for the recently closed account, I realized I had {$73.00} in Dividend Dollars associated with this account. I immediately called CitiBank ( XXXX - Dividend Dollars ) to see if they were automatically forwarding the reward money associated with the closed account. 

The agent I spoke with said there were no instructions to send me these funds. Furthermore, CitiCard can no longer forward these funds because the associated account was now closed. 

I objected on the grounds that the agent closing the account never advised me of the associated Dividend Dollars amount. 

Complicating the discussion, was the fact that this account ( as well as the second CitiCard account ) was in my husband 's name. He passed away last year and I have continued to use these cards and pay-in-full my monthly bills. I 'm not clear, but there was some argument that they could not make out the check for Dividend Dollars to a deceased person or to me because I was not the card holder. Curiously, I called to get a check for the Dividend Dollars on the second CitiCard account ( also in my husband 's name ) with no problem!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-07-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I would like to file a complaint against Chase Mortgage due to their communication practices. My husband and I have been homeowners for XXXX years, up until the past couple of years due to unforeseen circumstances we have always had an excellent credit score. My husband lost a very good job in 2006 and it took up until this past XXXX to replace it with a job that has an equivalent salary. The problem is that during the time that he was unemployed or very underemployed our debt continued to rise. About XXXX months ago for the XXXX time ever, we got one month behind on our mortgage and it just could n't have been avoided. Now since we have a not so perfect credit score that we are working very hard to bring back up, Chase finds it necessary to call our home several times a day. Last week I told them XXXX times in the same day that the payment for the second mortgage had been made and they needed to give it time to show up in there system. Keep in mind, due to our pay schedules we have always paid our first mortgage on or close to the XXXX of each month. They are now relentlessly calling my home with " courtesy calls '' when I have told them that the payment will be made on the XXXX as our pay history shows that we do. The " courtesty or reminder '' call I can understand. I understand that I owe them approximately {$200000.00}. However, I can not understand their reasoning behind calling me several times a day, increasing our financial stress which impacts our health negatively. We have been through a lot since 2006 financially, emotionally and everything else. My credit is very important to me, but I think it is a waste of my money and every other mortgage and/or stock holders money out there for them to employ people to CALL SEVERAL TIMES A DAY AND HARASS people who were impacted very negatively by the economy and many cutbacks and are working hard to pay their bills. What they are doing is harassment and it needs to stop. I do n't need a reminder for my mortgage - I think about it daily. I hope you can do something to stop them from this distasteful practice. This makes absolutely No Sense when the account has a XXXX day grace period. When I can pay ahead, I will but I am not currently in the position to do that and do n't really need them telling me that is what I need to do. Trust me, if it would make them leave me alone, I would. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Mortgage (Conventional fixed mortgage) with 21ST MORTGAGE CORP. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX I purchased a home and financed it along with a co-borrower with 21st Mortgage Co. The Loan number is XXXX. 21st Mortgage reports this loan on my credit report yet they do not put my name on any mortgage coupons, mortgage statements and XXXX interest statements. This is unacceptable. I live in the residence I financed and the co-borrower no longer lives here and has a change of address which means I do not have access to my mortgage coupon, mortgage statements, any mortgage notices or most importantly the XXXX interest statements. 21st Mortgage needs to correct this information and put my name on all corresponding documents including year end XXXX interest statements as i am fully entitled to claim interest payments on my mortgage. I am requesting that they issue CORRECTED XXXX INTEREST STATEMENTS FOR XXXX, XXXX AND XXXX IMMEDIATELY TO CORRECTLY HAVE MY NAME APPEAR ON THEM and that they also issue new mortgage statements and coupons asap. 21st Mortgage is located at XXXX XXXX XXXX, XXXX, TN XXXX. Their phone number is XXXX and their XXXX number is # XXXX. Please help me have them correct this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Using a debit or ATM card

Complaint: I received a text message from XXXXXXXXXXXX which stated " no subject / USBank-UrgentNotification.Call : XXXX XXXX XXXX XXXX ''. I called the number and it asked for my social security number right away after saying it was US Bank. I did not enter my social security number. Instead, I called US Bank directly and spoke with the card services department to see if there was anything suspicious going on with my debit card. I was asked the last time I used my debit card and how much I spent at a particular store. There was no fraud or holds on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Bank account or service (Checking account) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: First Tennessee Bank denied my application for a checking account based on " knowledge Based Authentication '' method that they use. The only problem is that I am 100 % sure that I answered each of the answers correctly. I knew the answer to each question and also verified each answer with the records that I have. So either they are using incorrect sources for this information or there are other issues with their application system which are XXXX troublesome.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Using a debit or ATM card

Complaint: SUMMARY : Debit card charge by a company for a service never rendered and bank refusing to reverse charge or properly investigate dispute of charge. 

DETAIL : Our company contracted with a tow company XXXX XXXX XXXX XXXX to tow a commercial vehicle which had a minor breakdown. The tow company required our Bank Of America Debit card number and charged our debit card BEFORE the service was rendered. 

The tow company hooked up our vehicle but while in the process of towing it XXXX. The tow company completely destroyed our vehicle. Thus no service was rendered by the towing company as the tow company destroyed our truck. The tow company did NOT have insurance or coverage for this XXXX requiring our insurance company to reimburse us for a TOTAL LOSS of vehicle caused by towing company. 

The tow company then refused to reverse the charge ( The tow company charged our card {$840.00} for a service where they were negligent, caused total loss to our vehicle, and did not have insurance. ) Bank of America was contacted and advised that we dispute this charge for a service which the tow company did not render. BofA was provided insurance company information and documentation showing that our vehicle was a total loss. BofA refused to reverse the charge stating that it was a civil matter between the merchant and our company. 

Bank of America refused to fully investigate this matter and is allowing a merchant charge to be deducted from our bank account in the amount of {$840.00}. We adamantly dispute this charge as it was for a service in which the merchant did NOT render but also caused an additional loss to our company of over {$22000.00}. 

Bank of America feels that since I provided the tow company our debit card information, even if prior to the service, that the charge was authorized.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Mortgage debt) with M.A.R.S., Inc. (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On X/XX/17 I received a letter and a call from MARS Inc. stating I owed {$1400.00} to XXXX XXXX XXXX. According to MARS Inc. they collect on accounts for XXXX XXXX XXXX and this amount was due for amounts owed from moving out of an apartment I rented from XXXX XXXX XXXX. I disputed this amount through letters and several communications. MARS Inc. then started reporting this amount to the Credit Bureau 's. On XXXX/XXXX/XXXX I sent a very detailed letter to XXXX XXXX and XXXX XXXX XXXX explaining why I did not owe this debt and in fact XXXX XXXX owed me money, they did not respond and continued reporting this amount to the credit bureau 's. Due to this I filed a small claims action on X/XX/17. I won the small claims action on X/XX/17 and was awarded {$570.00} plus interest. A few days later MARS Inc. called me and they knew about the judgment against XXXX XXXX XXXX but informed me I still owed {$880.00}. I sent a copy of the Petition I filed and the Journal Entry of Judgment to MARS Inc and they are still reporting that I owe {$880.00} to all the Credit Bureau 's to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have disputed the following with Experian several times as the remarks are past the statute of limitations, not verifiable and they do not seem to follow the law. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX Requesting some help

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 07/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Every time I would turn around there would be another bill from navient in regards to my student loans in the mail even after me requesting on several occasions a fixed income repayment plan of some sorts no matter how many phone calls I would make no matter how many times I would fill out paperwork it seems like I would still continue to get these envelopes full of payment plans or a forbearance set of paperwork rather than something that would help me with my economic hardship

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have an account with XXXX XXXX that I disputed due to incorrect reporting. Since the dispute XXXX has proved my calculations to be incorrect. I since then accepted their response and am no longer disagreeing with their reporting and am no longer disputing their response. 

I am not in dispute with XXXX XXXX

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 03/16/2017 about Consumer Loan (Vehicle lease) with Mitsubishi Motors North America, Inc. (PA).
Issue: Managing the loan or lease

Complaint: Mitsubishi is reporting me late on  XXXX  and  XXXX   2017 but I tr aded this car in and got a new loan with  XXXX   XXXX . This is hurting my credit and am asking for these late payments to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Debt collection (Medical debt) with Columbia Collectors Inc (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Reference : Account # XXXX Delinquency reported since XXXX This Collection company, XXXX XXXX XXXX XXXX reports me in Equifax credit report company forever since this debt {$390.00}, which i am not owed them. I have been disputed with Equifax and this collection company many times since couple years as wrote and called them, but no resolving problem. Short story, around XXXX I was visited Dental office in my hometown, this office made mistaken by had done some things over charge, or unauthorized charge on my medical bill without my signature and approval in case of over limited health insurance. This cause me become the victim of collection fraud and bill fraud!!!! Pleas help me to resolve this problem not to harm my credit, and threat me fairly. Thank you! 
Note : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Client Medical/Health XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 02-03-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: Changed lock on safety deposit box, employee stole everything {$30000.00} + XXXX XXXX Tx. XXXX

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 08-03-2016 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I wish to file a long overdue complaint against XXXX XXXX XXXX and Green Tree Servicing LLC, now Ditech Financial LLC. I apologize that this is happening so late and I wish I had more pieces of documentation to include, as I have spoken to so many people over the last few years and was told I had no other options and thus, I foolishly shredded some of the old forms when I also had to purge some of my mother 's old documents. However, I kept my log notes and with that, I will construct as detailed of a timeline as I can to explain how horribly I have been treated by both companies and how my health, current mortgage and living situation are all still being impacted by this ongoing display of poor communication, truly unconscionable customer service and what appears to be all-around unethical business practices. 

I have witnessed extreme unprofessional behavior and poor communication as well as feel I have been treated unbelievably unfairly for over 6 years by not XXXX, but XXXX companies ; though all are inter-related in regards to my initial application for the Making Home Affordable Program in XX/XX/XXXX, up to the present as my mortgage and supposedly also my HELOC has transferred hands now 3 times, even after I was told my HELOC was closed in XX/XX/XXXX. Yet, each company blames the other. yet offers me no formal options and has prevented from refinancing, as I am still sitting at 7.125 % interest and have dealt with so much, both XXXX and financially these past 6 years and this is my last hope for justice and resolution. I am not sure what exactly to mark below, as you will see this complaint/issue crosses several areas. 

Please refer to my very detailed letter and all of the subsequent attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation