milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-03-2017 about Debt collection (I do not know) with GLA Collection Company, Inc. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: this company PROMISED to take my name off there list ..they keep calling and harassing my pre-paid cellphone i just bought  XXXX  weeks ago for baseball for my son.   They are wasting my minutes by calling for someone that does n't exist.   They call many times a day and keep leaving message 's which runs down my minutes.   I have told them wrong number and they continue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Got the email about the equifax data breach. Have been getting emails about my credit score decreasing from equifax ( about 3 emails in the past 2-3 weeks ). One email said it was due to a new account being opened, which I did not do.
Waited for some of the dust to settle after the data breach announcement, tried to check my report with XXXX. After entering all the sensitive data, which does not make me feel good in the first place, got a message about the request not being able to be serviced due to an overload on the system. ( why could n't this information be conveyed before all the sensitive data is transmitted??? ).
It has been less than a year since my last credit report at experian, and I hoped that equifax had fixed the problem and decided to try to request the credit report from them. Got a similar message about the server being overloaded due to the high volume of requests.
I should n't have to pay for a credit report because one of the top companies supposed to be charged with protecting the data gets hacked. Guess I 'll have to wait till most of the damage is done if I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 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: Information belongs to someone else

Complaint: XXXX XXXX is reporting a inaccurate account on my report. I have disputed it several times and it constantly reports. I have contacted the XXXX XXXX and all of the reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: I have a savings and checking account with Wells Fargo. Over the course of 2 to 3 years I have paid my XXXX XXXX statement with my debit card from said bank. 

When I pay the $ XXXX amount, that is withdrawn from my bank and my checking account balance reflects this. One or two days will pass and the $ XXXX will appear back in my account, but not as a deposit. Instead, it will appear as if the money was never withdrawn in the first place. This shows an inaccurate balance on my checking account and thus leads to overdraft fees. This would not normally be an issue, but the amount in question will not show as cleared on the final date days later ; it will actually show as if it cleared the very first day. 

During the most recent instance, Wells Fargo Bank has charged XXXX overdraft fees of {$35.00} each for a total of {$70.00}. These fees were not for debit card transactions, but rather for transfers within my own 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 09/13/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I took out a mortgage on my property a year before Countrywide was bought by Bank of America. I was promised by Countrywide that my interest rate would be adjusted after a year or so. The Interest Rate was 8.85 % and my monthly payments have been for {$630.00} /mo. I have never missed or been late on any payment since. I started inquiring about a lower interest rate for my lo re-financing my Mrtg for at least 8 years now and always receive the same answer. Since I do n't have a XXXX XXXX or XXXX account there is nothing that can be done. My mortgage is under {$68.00} and it is still being met every month. 
As of XX/XX/XXXX I XXXX and am getting a little concerned about my ability to continue without a refinance to a lower rate. Of course since the GR I have been under water as my home has assessed for @ half of what it was valued at then. My retireme nt pkg can keep me viable for a while, but who knows how long I can keep going. I have asked at least 5 times to refinance the whole value at a lower rate but they say I am too far under to be considered. 
If you can help me to re-fi I would really be happy. 
I want to pay back what I owe, I only need to reduce my payment. Let me know what I need to do to get you all the necessary information. I have been pay ing this for around 9 years now at 8.85 % I see all these multi thousand dollar mortgages being re done and I do n't understand why they are hesitant to do mine. 
Thanks! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl 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 04/29/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I consolidated my loans via fed loan and was told that Navient was paid a total of XXXX. Navient called me and told me my loans were going to be in default due to XXXX paying the debt. I am very very confused. They call and harass you and tell you that your loans are in default even though I been paying for the past 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: When I finished my XXXX and first started as a XXXX, I received a notification from XXXX XXXX ( later Navient ) telling me I needed to start paying on my loans. I called them up and asked what my options were for limiting payments while still making very little as a XXXX. I was the single wage earner in a household of XXXX ( myself, my wife, and XXXX young children ) .They told me to apply for deferral and did n't explain any other options. Later when I XXXX at the same university, I could no longer qualify for deferral and my marginally larger salary caused me to seek out other options. I learned that they should have recommended I apply for IBR because with my XXXX salary and family size I would have owed {$0.00} per month anyway under several of the income based repayment plans. Those 2.5 years as a XXXX would have counted toward the 120 months of the Public Service Loan Forgiveness program. Now I am a XXXX and could be 60 payment into the PSLF, but because I feel they guided/pushed me into deferral I am instead only 30 payment into the program. 

I once tried to contact Navient via email, mail, and telephone to try and see if the extra 2.5 years could be counted toward the PSLF program but never received a response to my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Struggling to pay mortgage

Complaint: 1. XXXX XXXX, XXXX we received a trial modification from this servicers attorney @ XXXX XXXX in XXXX XXXX, FL attached are 3 pages. We made the 3 trial payments on which the principal balance was {$400000.00} however the escrow was miscalculated using force placed insurance amounts i have removed this force placed coverage with new insurance the reduces PITI payment about $ XXXX. The first 2 pages were sent in with payment & the correct escrow calculation amounts noted in my handwriting, servicer & attorney refused to correct this matter. 

2. XXXX XXXX, XXXX servicer has hired some new attorney XXXX XXXX in XXXX, Fl out of the blue to illegally change the previous agreed to modification above dated XXXX XXXX, XXXX increasing the principal balance some {$15000.00} while continuing to intentionally miscalculate the higher escrow amount & refusing to do anything to correct it. Attached is this 2nd document. This XXXX XXXX said to sign it or servicer told them to foreclose on us so we have been forced to sign this document knowing its wrong under pressure of foreclosure while plaintiff possess a proven forged original note & mortgage proven by forensic expert reports.

3. This home was affected by Hurricane Irma & servicer was advised. There is a federal FEMA forbearance order which declared the state of Florida a disaster zone yet this wrong forced modification says we MUST pay by XXXX lst or else.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Deposits and withdrawals

Complaint: I wrote a check to my roommate to cover my rent for the upcoming month. I dated the check for the date that my paycheck would be in my account. I have done this countless times before and never had an issue. The check was dated for XXXX XXXX. On XXXX XXXX, 2016, TD Bank ( the bank my check was from ) allowed the check to be cashed. That in turn caused my bank account to be overdrawn by nearly {$900.00}. When I contacted TD Bank to ask why they would allow a check that was post dated to be cashed, I was told that they " do n't really look at the date on the check ''. Since when?!? I asked to speak to a manger and was told again that they do not even look at the date on the check anymore. And that " in this day and age, the date on the check does n't matter ''. The manager then explained that if I write a check to someone, they have up to 364 days after the date on the check to cash it ... So, they pay attention to the date in case the check is old, but do n't care if the date on the check has n't even occurred yet. How are you going to rationalize telling me the date matters if it is past 1 year after the check was issued, but that if it is prior to that date, you do n't care as a bank? I explained that because of this issue, I now did n't even have the money to get home from work that day. The manager then explained that I should know better than to post date a check and that I should not do it in the future. Overall, it was a very unsatisfactory customer service experience. They however were 'kind ' enough to reverse the {$35.00} overdraft fee that had occurred due to them cashing the check before the date on it. 
Today, XXXX XXXX, 2016, I looked at my bank balance and there was an additional {$70.00} that had been taken out of my account. {$35.00} for the account being over drawn ( I do n't get paid till Friday XXXX, XXXX that is why the check was dated for that day ), then, because that {$35.00} overdraft fee came from an account that was overdrawn, they charged an ADDITIONAL {$35.00}. I called the bank and had a very pleasant young lady who reversed the {$70.00} charge and also told me that she agrees with me that it is terrible business to allow a check to clear two days prior to the date that was on the check. I have had checks from government agencies and no bank will cash that check till the date on said check. But, because I am just little old me, somehow it does n't matter. 
It is really a shame too, I used to sing TD bank 's praises, but they have really done down hill. And they have lost a customer in me, along with every person I can convince to leave this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I disputed that the debt was mine. I had a residential account to supply Electricity to my house, and when I moved I paid in full the remaining balance and closed the account. That was in XX/XX/XXXX. I disputed XXXX account with the credit bureaus, stating it was paid and not my debt. The bureaus removed the collections accounts after XXXX was unable to verify the debt. one month later XXXX submitted XXXX separate collections accounts, with the same Claimed debt, but this time they also re-aged it to claim it was opened in XXXX/XXXX/XXXX a full 4 years later, especially after failing to verify the debt to the credit bureaus this is not appropriate, I have disputed this issue again, but XXXX will not remove the fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: TransUnion listed closed accounts that I was told would be removed from my credit file. All documents were sent in to TransUnion. The companies are 2 Us Dept Of Ed accounts closed but not removed from. I sent in several letters and personally contacted the bureau along with the lenders. Not actions have been taken. The items still remain on my credit profile today.

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 08/18/2015 about Credit card () with U.S. BANCORP (KY).
Issue: Billing disputes

Complaint: Someone hacked into my XXXX account and placed a {$27.00} order for a wallet from a 3rd party seller and had it shipped to their address in XXXX ( I live in Kentucky ). I called XXXX and they said it was too late to cancel the order and that they were sorry. They told me to dispute the charge with my credit card company. I removed my credit card info which was saved in their system without my knowledge and I changed my password and deleted the new shipping address that the hacker added to my account. 

I disputed the fraudulent charge with U.S. Bank and told them I did not place the order, did not authorize the charge, and did not receive the merchandise. They made a provisional credit for {$27.00} to my account. XXXX rebuts with documentation showing the wallet order and the name and address where the wallet was shipped to along with USPS tracking information showing delivery to that address. 

I received a letter from U.S. Bank with copies of XXXX 's rebuttal. The bank tells me the charges appear to be correct as billed. They reversed the {$27.00} back to my account. XXXX failed to give the IP address of the person that placed the order. Why? 

Why am I being forced to pay for a wallet for a crook in XXXX which clearly is fruad? I do not have a California address and I have never lived in or visited XXXX. I do not have friends in XXXX. Why is U.S. Bank and XXXX not protecting me against this fraudulent activity? 

BTW, I am a Verified By XXXX member. Why did XXXX fail to protect my account?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: As a mortgage debtor with my debt being serviced by the XXXX XXXX ditech subsidiary company, I have concerns for the ability of the XXXX XXXX to devote adequate resources to their public offering of service. I note XXXX chief executive officers during a 12 month period. I note a XXXX % -XXXX % decline in stock price. I note a current stock price near the XXXX value when the major stock exchanges would consider delisting of the stock. From my experience in accounting and finance fields I suspect that the XXXX XXXX may be in breach of some loan covenants. With the turn over of chief executives I suspect that the XXXX XXXX XXXX not be able to provide consistency in company conduct. Much of the ditech loan portfolio originated from XXXX. I view much of this portfolio as having the potential for sub-standard underwriting and for having defects in documentation, implying the probability of higher loan servicing costs for ditech. With the fourth CEO within a 12 month period of time and a record of substantial penalties paid to resolve the results of past business practices, I have concerns for the ability of ditech to operate its business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Transunion, XXXX and XXXX has cause me a lot of pain and grief due to wrong information on all three credit reports. I have accounts that should be closed with XXXX balance owed for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Because these three credit reporting agencies has caused me not to be able to get credit. In the beginning I had a XXXX Credit Score now my Score is XXXX. 

I want all three credit reporting agencies to correct my Credit Report so I can get the Credit I deserve. 

Waiting for your reply. 

XXXX 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 explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: There are XXXX accounts reported by XXXX XXXX XXXX on my credit report ( s ). <P/>Totaling {$3000.00} and {$500.00} each. <P/>The original creditor reported to the credit files is XXXX XXXX XXXX. <P/>I do not have nor have I ever done business with a company named XXXX XXXX XXXX. <P/>When I contacted XXXX XXXX XXXX they said the company was XXXX XXXX XXXX. <P/>When I attempted to contact XXXX XXXX XXXX I discovered they were no longer in business and the current staff does not have any contact info for them. <P/>XXXX XXXX is no longer in business and any claim asserted by them is null. <P/>I have no way to dispute any alleged charges of have a point of contact with XXXX XXXX to get to the bottom of the charges they claim. <P/>All XXXX was willing to do was tell me " That 's what they say you owe. '' This is not a legitimate debt and and it is libelous what they are doing to my credit files.

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 08/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I do not owe XXXX XXXX {$500.00}. I would like to dispute this charge. I am wiling to settle the debt for less than that amount. I would settle for {$200.00} and a payment plan. Please let me know if you can help with this, thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Remove it violated my rights Still XXXX refuse to pay me Experian not any better XXXX XXXX XXXX Lied so much said all kinds of XXXX protectionism that she should be fired Lies doesnt know what or how to do her job I wan XXXX associate to personal apologize for being a liar Violation of 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 02/27/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with Bliksum, LLC (CA).
Issue: Problem with the payoff process at the end of the loan

Complaint: Issue with XXXX : Over the last twenty-one ( 21 ) months, Ive paid XXXX close to {$7000.00} in payments on a {$3100.00} loan. In trying to pay off the loan today ( XX/XX/XXXX ) I was informed that the payoff amount was {$3600.00}, which is approximately {$700.00} more than the original loan amount after paying them monthly payments of {$350.00}. Anyway, I sent them a payment of {$3100.00} today to pay off the principle amount that was barrowed. So Ive now paid XXXX  close to {$10000.00} for a {$3100.00} loan. Which is over 220 % in interest rate fees on a {$3100.00} loan. Which in my opinion is out outrages and is a total miss representation of the product services that was described to me in my dealings with XXXX  when I originally applied for the loan back in XX/XX/XXXX. 

What astonishes me about my dealings with XXXX is that Ive never over the twenty-one ( 21 ) months that Ive been making payments on this loan, that Ive ever received any documentation on this loan, terms of the loan, interest rate being charged and a payout schedule - nothing. Which is interesting, because they state very clearly on their website the following : Clear information on the cost of your borrowing, including any fees and charges, and our terms and conditions, which is not true in my case and Ive asked in previously conversations with their customer service representatives to send me this information. 

Now some people could construed my position on this as Buyers Remorse on my part, however I believe this borders on the definition of Fraud. 

The other thing that is interesting to me is that they have continued to call me today ( seven calls and counting ) since I spoke with them earlier this morning on what I was planning on doing related to this matter. In fact I even mentioned that I couldn't believe or image that they could get away with this type of business practices in this business environment. 

So I look forward to hearing back from you on your opinion on this matter. 

Thanks, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit card () with IMC Capital, LLC (IA).
Issue: Credit card protection / Debt protection

Complaint: XXXX at XXXX XXXX XXXX XXXX has sent an UNSOLICITED card in our name and our business name with a ridiculously high line of credit. This is illegal. We will be contacting them, however this practice must be stopped immediately.

Company response to consumer: Untimely response