milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, XXXX I contacted XXXX XXXX XXXX regarding a account that they had in collections in the amount of {$790.00}. I spoke with a representative that stated that I had to send her boss an email stating a " Cease and Desist '' on the current complaint which I sent to XXXXXXXXXXXX. The representative stated that this would have to be done before I could pay to have the account settled, closed paid in full for the amount of {$400.00}. XXXX XXXX also promised/assured me that after I gave them my routing number and bank account number to process payment I would be sent a letter via email stating that the account was paid in full /settled I then provided my routing number and account number to my bank to process the payment. After waiting for most of the day I did not receive anything. I contacted XXXX XXXX but no response. XXXX XXXX, XXXX I contacted XXXX XXXX XXXX regarding the same issue as I had not received the letter. I spoke to another representative who then spoke to her supervisor XXXX XXXX who e-mailed me rite away with a letter stating that if I did not pay the balance by XXXX XXXX, XXXX the payment agreement would be null and void. 
I have paid the full amount of the payment agreement, but on all 3 of my credit reports it is being reported with a balance of {$390.00}. There should not be a balance at all nor should it be being reported as open account. This account should be reported with a {$0.00} balance, settled, paid in full, closed on all 3 credit reports from Experian, 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 non-monetary relief
Consumer complaint received 01-03-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (LA).
Issue: Wrong amount charged or received

Complaint: Executed a deposit of XXXX Litecoin ( worth approximately {$3000.00} ) on XXXX XXXX, 2018 to XXXX  exchange. While the transfer shows completed, the currency did not show up in my account. Have called and contacted support with no resolution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I would like to file a complaint against Navient. I recently received mail that half of my loans were not included in my consolidation request due to reason 8. I XXXX XXXX XXXX, 2017 so my loans should not be in an in-school status. Navient knows this I have informed them multiple times. I previously applied for and was accepted into the PAYE plan which was then replaced by the REPAYE plan by navient. When I called to rectify I was told they were the same thing and would cost the same - This was a lie. The REPAYE plan will cost me more than {$150000.00} more in the long run. I was incorrectly told I could apply for auto pay and save .25 % only to be denied when completing the autopay application. I was told that I would be able to begin loan payments toward PSLF and PAYE only to find that loans in grace periods will continue to grow and will capitalize in 6 months without a consolidation. These are all practices which are unlawful and will cost me a significant amount of money. I am now waiting for a loan consolidation application which apparently will need to be redone now that they do n't have half the loans included. Every day I continue to grow interest which will capitalize to a larger amount the longer they give me the runaround. I tried to call today and was told due to a high school volume I need to schedule a call back in the future - this is unacceptable as everyday costs me money and every day that money goes to their profits instead of hiring more representatives to resolve these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 disputed this debt with the credit bureaus and directly with the collection agency via certified mail. At no time did I receive any documentation that legally verifies this debt. I have not even received correspondence from this company at all except for the original letter. From Experian I only received statements saying this debt was verified and then other statements saying that they will not reinvestigate this unless I have a letter from the creditor or courts. This is not legal! They can not just state something has been verified with absolutely no proof of it. This means that I can randomly choose any employ that works for Experian and state that they owe me {$20000.00} and send it over to a collection agency and no one will have to prove anything. Congress states that the only legal verification is the physical documentation that was filled out when this account was opened and this documentation was never sent to me. Congress further states that the buren of proof is on them and not me, so why am I being told that this has been verified with no proof and that I have to solve with the original creditor and the collection agency is giving me the same run around? Why is no one being forced to comply with the FCRA and FDCPA? Section 609 protects me against false reporting of the credit bureaus and this section mandates that the original paperwork that was filled out when this account was opened be sent to me bearing my signature! Changes to the laws last year make it so that the only items that can report on my credit file are the ones that I ever agreed to pay or owe a debt, so if no one can prove that I ever agreed to pay or owe it, then it must be deleted! 

I do NOT want a reply to this complaint from Experian stating that my name, address and SSN matches what the collection agency has - this is NOT legal proof and would not stand up in any court of law. If I take both Experian and the collection agency to court, what are they going to show the judge? They 're just going to say " I pinky swear he owes it? '' In addition, I 'm pretty certain that a company can not just state that the debt is mine, or else anyone can state that anyone owes them money. Where 's the proof and why ca n't this company produce it? I never stated it was identity theft, I never stated that it was n't mine. What I am stating is that I do not recall this debt and that I know my rights in regards to items reporting on my credit report : they must all be legally verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was married and we had a joint mortgage through XXXX XXXX XXXX XXXX in XXXX XXXX, TX. I got divorced in XXXX 2013 and the house was refinanced by my ex husband IN HIS NAME ONLY in XXXX or XXXX of this year. I 've tired for 3 months to get the remaining balance of {$140000.00} OFF my credit report and the credit agencies keep telling me it is my responsibility even though the credit union shows no record of me on the 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 03/15/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I disputed XXXX items on my credit reports relating to debts that Portfolio Recovery had been attempting to collect on. As part of the dispute process, Portfolio Recovery sent out a copy of the bill and a letter from XXXX, but I never received any validation documents, such as a signed contract or anything. While discussing it with them, they claim that the bill is validation. any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX reported incorrect payment history on my account. XXXX 2013 payment was not 30 days late. need payment history verified.

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 10/23/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC ().
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have tried repeatedly to contact trans world systems on XXXX to figure out why a medical debt for {$51.00} is showing on my credit report and I follow the prompts ( 1 for english and so on ). It asks me to enter my ss # and then I 'll be transferred to an agent. Each time I do and then the line just hangs up!

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I had ~ {$250000.00} in XXXX debt and enrolled in the PLSF program in XX/XX/XXXX ( accepted in XX/XX/XXXX/XX/XX/XXXX ). Once accepted, I was required to transfer my loans from my XXXX XXXX Servicer to FedLoan Servicer. 
XX/XX/2016 - Loans transferred from XXXX XXXX to FedLoan XX/XX/XXXX/XX/XX/2016 - Not all loans were transferred, error on part of FedLoan. Made request for remaining loans at XXXX XXXX to be transferred which took 6 weeks XX/XX/2016 - Advised that loans could not be forgiven unless converted to " direct '' loans. Only XXXX of my XXXX were direct loans. 
XX/XX/XXXX - Consolidation loan request form submitted for XXXX loans to be consolidated into direct loans. Six weeks later, XXXX of the requested loans were consolidated appropriately, XXXX loans were not consolidated as requested and XXXX of my already direct loans were consolidated in error by FedLoan ( without request for consolidation on forms submitted ) XX/XX/XXXX - Multiple calls regarding incorrectly consolidated loans. At this time total loan amount had increased by {$10000.00} without record documenting how. Told by customer service request to review submitted, would take & gt ; XXXX weeks for someone to review complaint because " this is the government '' XX/XX/2016 - Spoke with manager who reassured increase in loan amount was correct but no paper record could be provided. He would expedite direct consolidation reversal and consolidation of loans remaining from initial request in XX/XX/XXXX. Imperative that direct loans incorrectly consolidated be reversed to receive credit toward loan forgiveness for payments already made XX/XX/2016 - Direct loan consolidation reversed but XXXX loans still awaiting consolidation. Multiple calls - now XXXX of these XXXX loans are consolidated XX/XX/2016 - " Consolidation complete '' letter despite XXXX loan still not being consolidated. 
XX/XX/2016 - Delinquent bill appears on account - amount taken out of my checking account but not applied to loans on FedLoan 's end Over this time period my loan amount has risen by {$50000.00} without documentation of how. Please help. When speaking with FedLoan consolidation experts they will " submit a complaint '' but can not provide any immediate answers or assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2017 about Mortgage (Conventional home mortgage) with TD BANK US HOLDING COMPANY (CT).
Issue: Trouble during payment process

Complaint: Mid   XXXX  - I applied for a refinance loan throug h TD Ban k. My original mortgage was through   XXXX   XXXX  . At the initial application m y Homeoweners insura nce was through  XXXX  with a  XXXX  policy effective date.     During the closing process, I was able to get a cheaper rate through  XXXX   XXXX   XXXX  .      XXXX  I paid  XXXX   XXXX . in full with an effective date of  XXXX / XXXX / XXXX  through  XXXX / XXXX / XXXX . I emailed TD bank and notified them of the change and provided receipt of Payment. Also, asked them to update the closing documents as no escrow accrual was needed since new policy was paid in full.     -- -- -Original Message -- -- - From :  XXXX   XXXX   XXXX   XXXX   XXXX    Sent : Tuesday,  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   To : 'Jeffcoat  XXXX   XXXX   XXXX   XXXX  Cc :  XXXX  XXXX  XXXX  ;  XXXX  XXXX  XXXX  Subject :  XXXX  :  XXXX  Payment Receipt For  XXXX   XXXX  Hi  XXXX   ,  Please see the receipt of Payment on my homeowners, please let me know if you need any additional information.        XXXX / XXXX / XXXX  - Closing date. Closing document reflected a 5 month escrow at {$580.00}. I questioned this with the lawyer and he said  TD w ould notice this and refund the amount that was over escrowed at closing.      XXXX / XXXX / XXXX  - I asked TD to look into the insurance escrow - No response.      XXXX / XXXX / XXXX  - TD informed me the escrow was only looked at annually and I would need to wait a year to get my money back.     Original Message -- -- - From :  XXXX ,  XXXX  F [ mailto :  XXXX  XXXX  XXXX   XXXX  Sent : Wednesday,  XXXX   XXXX ,  XXXX   XXXX   XXXX  To :  XXXX ,  XXXX   XXXX   ;   XXXX ,  XXXX   XXXX  Subj ect : RE  :  XXXX  Payment Receipt For  XXXX   XXXX  I will let the closing manager know to reach out to you to discuss. They do not refund money out of the escrow account. Only the servicing department does that and they only consider these requests on yearly basis. Thanks.      XXXX   XXXX   XXXX   | Lending Team Manager  | Retail Credit and Loan Originations Mailstop :  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , SC  XXXX  T :  XXXX  | F :  XXXX  NMLS ID #  XXXX   TD Ban k  , America 's Most Convenient Bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/15/2015 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Credit determination

Complaint: Synchrony Bank, which manages CareCredit card, has ran credit reports on me to open an account multiple times, multiple weeks. They have already issued me a card. XXXX reports were ran with XXXX, a week apart. This is going to effect my credit score and should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Our loan was sold to this company and we had no warning or say so. The loan was originally in both my wife 's and my name but this company took me off. This past XXXX they failed to send a bill for our mortgage and we did n't notice it until they sent a past due notice with {$77.00} late fee tacked on. My wife called them and they said not to worry, just send the payment. We did. In the meantime, they sent a letter admitting to the mistake. We kept getting late payment notice 's and warnings that we were in jeopardy of losing our home. My wife kept calling them, they said not to worry but, the warnings kept coming. We are now waiting for them to send a corrected payment slip showing the amount due. My wife has had XXXX and ca n't handle the stress. Please do something about these incompetent people.

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 09/28/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Trouble during payment process

Complaint: The loan was originally with XXXX and I received notice that effectiveXX/XX/XXXXBayview Loan Servicing will take over the mortgage. I was late paying XX/XX/XXXX payment so I sent XXXX XXXX AND XX/XX/XXXXpayment in one check with instructions in the memo section that the check was XX/XX/XXXXandXX/XX/XXXX. OnlyXX/XX/XXXX XXXX applied the check for XXXX 's payment and the remaining to my escrow account. Since that date I 've written multiple letters to XXXX and Bayview to have that money removed from the escrow account and placed towards a monthly payment to get my account up to date. XXXX has answered my letter and said since the account and escrow was turned over to Bayview then I must direct all questions and concerns to Bayview. I received a letter from Bayview saying they received my letter and they would answer it by XX/XX/XXXX. However, I then received a letter and notice of intent to foreclose if I 've not paid ( what I already paid ) by XX/XX/XXXX ; BEFORE they will even answer my letter and have them move the money that I already paid from the escrow account towards a monthly mortgage payment OR refund me the escrow so I can then send them a check. I saw no other option than to take out a loan so I could pay an additional monthly mortgage payment so my house is not taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Debt collection (Other debt) with The Receivable Management Services Corporation (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: " Frequency or repeated calls '' is the box that I checked, but ironically I am having the opposite problem that most people have. 

I noticed that a debt showed up on my credit report as a delinquent balance. I do not recognize the debt. It is owned by " The Receivable Management Co. '' in XXXX, PA. I have received no communication from them. There is a phone number listed to call them on the credit report, XXXX. When one dials this number, and presses # as directed to speak to an agent, it places you in queue for 20 seconds or so, then rolls to voicemail, always, and without fail. 

The voicemail ( and the IVR ) for that matter identifies the company as " XXXX '' ( XXXX? XXXX? XXXX? ). I have left repeated voicemails saying that the company being identified as " XXXX '' is strange as I dialed the number for Receivable Management Co., that I do not recognize the debt, and that I would like for someone to contact me. 

They have never contacted me. I have received no notices via mail, and I have not received any return phone calls either. 

In addition to them being unresponsive on the phone, and there being confusion over their name, there does n't seem to be any website for them which I could find, either in search engine searches or via internet registry ( I work in IT, so I have additional tools at my disposal and still came up with nothing ). Also, calling the registered number for " XXXX '' which seems to be the closest match ( as they do outsourced call center etc. ) just rings and rings, with neither a person nor an IVR or system answering the call. The XXXX website only provides a " contact us '' form which I have not yet filled out. 

If there is a negative mark on my credit report which is in turn negatively influencing my credit-worthiness I believe that the collection company has some responsibility to be responsive. 

This is maddening, negatively affecting my credit score, and totally irresponsible. I would like for the CFPB to recognize ( this situation should be easily reproduced ) this issue I 'm having so that I can use the recognition to have this erroneous mark removed from my report via the credit bureaus, since there is no way for me to talk to anyone who claims to hold the debt.

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 03/13/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Trouble during payment process

Complaint: We were paying on a mortgage loan and had no idea that the note and mortgage was canceled. The date and time in question was XX/XX/XXXX. We then received a notice around XX/XX/XXXX that stated Wells Fargo will be servicing the note. But during that time around XX/XX/XXXX XXXX XXXX XXXX filed in the clerks office an Affidavit and notarized statement stating they were last holders of note and mortgage and was canceling The note and mortgage. 
The major problem is Wells Fargo continued to service this note and mortgage from XX/XX/XXXX to the present. 
I am now under the impression that Wells Fargo have been defrauding us, because they have been receiving payments from us and servicing this loan from XX/XX/XXXX to the present XX/XX/XXXX while this note and mortgage have been officially canceled on XX/XX/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 02/22/2018 about Debt collection (Other debt) with CONTRACT CALLERS INC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted last Friday by the debt collector. I told her I wasnt able to pay last Friday but I could The next Friday. She agreed and now there is a collection in my credit. I was paying Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Bank account or service (Other bank product/service) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: in XXXX XXXX I contacted 5th third to request information on my vehicle title which I never received. They informed me it was shipped in XXXX and returned, they advised they would resend it and I would receive it 3-10 business days. On XXXX/XXXX/XXXX I called again due to the fact no title has been received and they could not give me information. An hour later and transferred numerous times until we were told they do not have notes or show where we did the request as that is not something they take when a customer calls ... .are you kidding me? This is a banking institution, they should notate everything. We asked to be sent to a supervisor. After another 20 minute hold we were transferred to a supervisor by the name of XXXX. XXXX, is now stating they do not have any record of calls as they do not take notes in the Customer service department. they state they can not expedite the request unless it is the banks error ... THIS IS THE BANKS Error. I am now on hold again and it has been longer than an hour and I am furious. Per XXXX the supervisor they can not transfer us to the collateral department as they only get emails. I am in shock that this is how you all treat your customers and that a banking institution does not take notes. XXXX is suppose to call us in 24-48 hours with an update as to where our title is. 
Employee ID # XXXX, Phone # XXXX. I need my title, the car has been totaled almost killing my son and I am unable to get resolution on accident and recovery due to 5th thirds lack of customer service. Can you please contact us immediately on this, we need resolution. XXXX and XXXX XXXX

Company response to consumer: Closed with explanation