milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Automatic Data Processing, Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XXXX XXXX,2017 the employing company agents ( Plant Manager and Controller ) asked me into an office where they proceeded to tell me that I was being put on administrative leave of absence due to my criminal records check being too extensive. After being told to produce a written statement in dispute of the item ( s ) and being escorted from the premises, I read the report which gave information pertaining to a record nine ( 9 ) years old. The State of Ohio laws allow records searches to go back for seven ( 7 ) years ONLY. Thereby the reporting company ADP put my career at risk by reporting information that is too old and redundant. The employing company, XXXX XXXX, has negated from correspondence and rehire.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Bank account or service ((CD) Certificate of deposit) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: My father purchased XXXX savings accounts for me and my siblings in XXXX and XXXX. He passed away in XXXX and had given the savings certify ficates to my sister to hold for him. 
My sister whom forgot about them, did n't disclose that we had them until this year. 
Their have been XXXX bank mergers since the original opening. 
I have contacted the current bank which is Fifth Third Bank in XXXX, Ohio Ohio. This bank has branches in XXXX, FL where I first began my search. The Original bank was called XXXX XXXX, with branches in XXXX, MI and in XXXX, XXXX XXXX etc when they were first opened. This bank was later merged with the XXXX XXXX XXXX. 
I believe in XXXX XXXX XXXX was merged into another bank named Fifth Third. 
My sister and I whom is a senior citizen also, went into the XXXX XXXX, MI branch to cash them. They said that they would check it out with their main office, as they had no record of our CD 's. 
I then contacted the main branch located in XXXX, Ohio and spoke to a spokes person there for several weeks. I sent into then a death certificate of my father and copies of the CD 's. 
The answer from them was a dead end. They accused me or a family member of cashing them in, which never happened. 
My attempts have been endless either online and going into Fifth Third Branches in XXXX, FL where I now live. 
My sister is XXXX years older than myself and has XXXX. 
I do n't know what do at this stage after endless attempts to cash them. 
The bank has stated to me that the CD 's are worthless, and to rip them up. This a ridiculous statement to make to a citizen of the USA, and to be allowed to get away with this. 
My brother, has XXXX who I 've tried to include in my inquires. 
Hopefully, your department will be able to research my CD 's and retain funds after 33 years of opening them from my father. 
Hopefully, here I will be able to fill out the correct directives required by your department.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (UT).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I have student loans from 1994 from NAVIENT. I have made good faith efforts to repay, but have been unable to do so. I currently have XXXX kids in college and XXXX in high school. I am unable to pay. I sent a letter via certified mail requesting them to cease contact. I received the certified mail card back. They still continuously call me every single day, sometimes more than once a day.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been trying to work with Navient for the past few years, prior to getting behind on payments I called them because I knew I would n't be able to make the payments they were asking for. They are now threatening to sue me, have claimed I have failed to communicate with them, which is a lie and have called me at my job three times, after I told them I cant receive these calls at work, after the first time. I sent a letter last week telling them in writing not to call me at work, and requesting all further communication be in writing. Today they did it again! They called me at work. They have refused to lower my payment even though they have done financial reviews and can see I do n't have the money they want every month. They have hung up on me and told me " you 're not trying hard enough ''. I have developed XXXX and XXXX because of this unfixable issue.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Application, originator, mortgage broker

Complaint: On XXXX/XXXX/15 I applied for a home equity line of credit ( " HELOC '' ) online from Bank of America ( " BofA '' ). The following week I received a telephone call from BofA regarding my HELOC application. One of the questions asked by the BofA employee was " do you have have any other loan requests pending ''. I answered truthfully, which was yes I had applied for an identical HELOC from XXXX XXXX a day after I applied to BofA. BofA informed me that they would NOT continue with my HELOC application until I provided them a letter from XXXX XXXX indicating that I had withdrawn my HELOC application from XXXX XXXX. I indicated to BofA that I was willing to withdraw my application from XXXX XXXX but only after I had received a loan commitment from BofA. BofA has unwilling to do this and canceled my application. BofA did this despite me being a 20 yr customer ( premier status ) with existing checking, savings and HSA accounts at BofA and a XXXX credit score. This practice by BofA is anti-consumer. It limits shopping for competitive rates and terms. It forces you to either shop for a loan sequentially versus in parallel, which is time consuming at best, lie to BofA during the application process, or find another lender.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Since yesterday, I have been trying to opt-out of the automatic opt-in for the terms of service for the Equifax website equifaxsecurity2017.com. There is no option given for opting-into the TOS, therefore it should be invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Credit card () with DISCOVER BANK (CA).
Issue: Credit line increase/decrease

Complaint: So I have a Discover credit card. On their online banking service, they have the option to request a Credit Limit Increase. Whenever I got to that page, it asks for income, employer, and monthly housing payment. Below that is the following message : '' After reviewing your application, we may need to pull a credit bureau report, which may affect your credit score. In these cases, we will proceed with the application only with your consent. Below that message, it says Submit '' or Cancel ''. Now, maybe I am naive, but I took the message In these cases, we will proceed with the application only with your consent '' to mean that in cases where they need to pull a credit report, they will specifically ask me if I want to proceed. I think that is a reasonable interpretation of the verbiage. Anyhow, I proceeded with this under the impression that if Discover wants to pull a new CBR -- -- and thus cause a hard inquiry ) they will ask me for my consent. Well, when I hit the submit button, Discover immediately responded with Congrats, you 're approved ''. There was no screen after hitting submit that asked for consent to pull a Credit Bureau. I thought ok, that was easy, no problem. '' Later that day, I received an alert from my credit monitoring service that there was a hard inquiry from Discover on that very day on my -- -- CBR. I did n't put in any other requests or applications. When I approached Discover about it, they either did n't understand me, did n't understand their own system, or simply refused to acknowledge the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: according to my credit report there is an incorrect information in my profile .Which consists in the following : " XXXX account closed by the consumer '' .It never been closed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (I do not know) with I.C. System, Inc. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls many times a day at different times. They never leave a message. They call from XXXX The company IC, systems I will also forward a copy of this complaint to my attorney. XXXX XXXX who will handle this matter.

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 10/24/2016 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My 5/3 credit card was stolen and it now has a $ XXXX balance. I 've contacted Fifth Third several times and they ignore me. I am not going to pay for this, as I 've already told them that these charges were not made by me. They send me letters and call me constantly and I always tell them the same - I am NOT paying for transactions I DID NOT MAKE. If they do n't remove these charges and stop the harassment, I will take legal action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (AL).
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 pulled my credit report in  XXXX  o f 2017 and noticed t here were  XXXX  capital one bank credit cards opened in my name.  One with a {$300.00} dollar credit limit and the other with a {$500.00} dollar credit limit. These accounts do not belong to me. I have never opened them. And I owe them no one because they were a result of fraud. When I contact Capital one fraud departme nt they say it is going to stay on my report because all the information is correct. And there is nothing I can do about this. Please help me get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit card () with CITIBANK, N.A. (OH).
Issue: Balance transfer

Complaint: Sent credit card balance transfer from XXXX ( Account XXXX ) to Citibank ( {$9200.00}, Citibank Account XXXX ) and XXXX ( {$5700.00} ) on XX/XX/2017. XXXX posted transfer on XX/XX/2017. Citibank stated on XX/XX/2017 that they have not received the balance transfer even after verifying the account information several times. As another example, I sent a XXXX XXXX bill pay to Citibank and it posted in 4 days. 

XXXX has verified that the Citibank balance transfer was a valid account and it left their institution on XX/XX/2017. After 13 days, they have not received a notice from Citibank that it was rejected.

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 09/18/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Trouble during payment process

Complaint: I contacted you prior regardinging this issue ( XXXX & XXXX ; XXXX ). The XX/XX/XXXX IRS form 1099C shows the amt of debt discharged as  {$170000.00} on XX/XX/XXXX with a fair market property value of {$70000.00}. Due to misapplication of payments for XX/XX/XXXX & XX/XX/XXXX to an account ( 2nd lien ) that was closed in XX/XX/XXXX, I was denied the 2nd ( {$110000.00} ) & 3rd (  {$58000.00} ) installments ( see page 7 of 8 of OLS Form ( rev.XX/XX/XXXX ). The effective date of the loan modification was XX/XX/XXXX which should be completed in 247 months if the contractual obligations are met. 
Today XX/XX/XXXX, I spoke with a male claiming to be XXXX, XXXX ID # XXXX @ XXXX regarding my payment reconciliation history. He claimed that it was ok for Ocwen to charge property inspections fees everytime the payments go over 30 days as well ad late fees. A check of the history shows charges going back to XX/XX/XXXX. Several Payments were placed into forbearance acct instead of applying to the mortgage from on XX/XX/XXXX-XX/XX/XXXX & XX/XX/XXXX while property inspections & Valuation expenses fees were charged on XX/XX/XXXX. No explanation for {$280.00} to Investor Suspense on XX/XX/XXXX. Could n't understand why charged property Inspections & Valuation Fees on XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, even though payments were on time since signing the agreement on XX/XX/XXXX. No explanation why {$770.00} was placed in suspense acct & not refunded. 
Recod shows that 1st Deferment was done on XX/XX/XXXX for {$58000.00} ( requesting IRS Form 1099C for XX/XX/XXXX ). Page 7 of 8 of the contract shows that the deferred principal balance would be {$170000.00} from XX/XX/XXXX-XX/XX/XXXX. The 2nd deferment the principal balance would be {$110000.00} from XX/XX/XXXX-XX/XX/XXXX. This was never done because of the misapplication of payments. XX/XX/XXXX statement dates shos the deferred balance. XX/XX/XXXX & XX/XX/XXXX shows the same since there was no adjustments. Two years later after contacting the CFPB, on XX/XX/XXXX, the 2nd deferred balance ( {$110000.00} ). This would correlate with page 7 of 8. But the 3rd deferred payments if {$58000.00} was never done.It should have been done from XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This started on XXXX XXXX XXXX. I started to get calls about owing money to XXXX XXXX XXXX. I switched over to XXXX back in XXXX. I payed off my old phone with XXXX XXXX XXXX the same year. Fast forward to XXXX XXXX XXXX. I received a call from XXXX XXXX XXXX XXXX. They said I owe {$200.00} to XXXX XXXX XXXX. I did pay once and I thought it was over. I got called again with roughly the same charge of {$200.00}. I was surprised the XXXX XXXX XXXX phone company did n't contact me via email on the matter. When I tried signing into my old XXXX XXXX XXXX account I could n't. I tried to reset my password too and the email was wrong when I knew it was right. So since I 'm not with XXXX XXXX XXXX anymore the account was removed. How could I owe money to a company when I do n't have an account with them anymore? I also received other debt collector calls from similar numbers. The following is the list of numbers all pointing to this company : XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX The company name is Diversified Consultants. I keep getting harassed by them almost daily now. Can you please help? Thank you in advance. Have a good day.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Shopping for a loan or lease

Complaint: In XXXX 2013 I purchased a current year Toyota XXXX from Toyota and at the time of my vehicle purchase I also purchased the tire and oil maintenance plan with an extended warranty also. My tire & oil maintenance plan was to begin after I 've reached XXXX miles on my vehicle. For I was already covered for all of my maintenance work under Toyota 's Care plan up to XXXX miles. After reaching XXXX miles on my vehicle, I attempted to go to XXXX Toyota dealerships to have my car serviced under my prepaid maintenance plan. And I was told that I must return to the original dealership that sold me the vehicle in order to have my service covered for free. so I paid out of pocket for the maintenance service. So on my next service visit I went to my home dealership and that 's when I was told that the prepaid maintenance plan that I purchased expired at XXXX miles. I was very upset and disappointed to find out that I was a victim to fraud by the dealership and sold a maintenance plan in which I was already covered for by Toyota Care up to XXXX miles. After several attempts to resolve this issue with Toyota and XXXX Administrators in which I was asking them to reactivate my XXXX year plan starting from today and with my current miles, I did not receive any resolution. I was told there is nothing anyone can do to assist me. Now I am asking for the help of Consumer Financial to resolve this issue by activating my 2yr/ XXXX miles prepaid maintenance from today and with my current mileage.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Management Incorporated (RI).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: After revoking permission on XX/XX/2017 with employee XXXX to call my cell phone, I received a call from another male employee on XX/XX/2017. When I stated to him I had revoked permission and I did n't want them calling my cell phone, the employee told me to " shut up '' and this was not going away. I then hung up, called the main office number and XXXX picked up. I told her I wanted to speak to someone because I had reviked permission for them to call my cell phone and she put me on hold and the same male who verbally abused me minutes earlier picked up in began to tell me again to shut up and he was going to file harassment charges on me for calling his office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Client attempted to work with Carrington Mortgage as her loan was transferred from XXXX that already had been Modified. She finally came to Housing Counselor and we submitted a package stating the reason for delinquency is payment dispute. we are including with this complaint the document sent to Carrington and the work out she had been offered by XXXX. # 1. she was paying payment that was being held in suspense, # 2 they have capitalized the arrears into the loan and said the suspense funds were applied to the arrears that they held without applying to the mortgage payments. 
We were informed we need to send a dispute to Carrington- which Counselor will do in conjunction with this complaint. She stopped paying the payment when counselor advised to stop sending payments as they were holding funds of XXXX as of XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX, XXXX XXXX/XXXX/XXXX I called Wells Fargo for a status of mod they stated that they rcvd the XXXX, rep was unsure of status and stated some updated docs may be needed. Explained to the rep my conversation with supervisor, XXXX. She stated that he would give me call to go over the file with me. I never received a call back. On XXXX XXXX, XXXX I called Wells Fargo and requested a supervisor, I was told a supervisor was not available they will have someone reach out to me. On XXXX. XXXX, XXXX I spoke with XXXX XXXX and he provided me a number to the XXXX XXXX XXXX XXXX XXXX. Which should be able to help me with my concerns of the file not moving out of the reentry department because it will 24-48 hours for a supervisor to call me back. I have just spent 1 hour and 17 minutes on the phone with XXXX ex : XXXX in the XXXX the complaint will be addressed within 24-48 hours and she then transferred me back to the reentry department who advised that update P & L and bank statements and XXXX with the year XXXX is being requested. I then received a call from XXXX team who stated that the loan is not eligible for review because the sale is 7 days away. I stated that I just spoke with the reentry dept. for 2 hours yesterday and they requested me to submit a full package. The rep stated did she did not see notes in the file. On XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX called me back and stated that they would be closing out the file because the documents that were requested on the XXXX of XXXX were not received. I spoke with XXXX prior and he had confirmed that XXXX of the XXXX documents has been received. I proceeded to ask her if the phone calls are recorded she stated that they were and that her supervisor would listen to the phone conversation and call me back tomorrow. I have not received a call back.

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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom this may concern, This is a follow-up to my previous complaints regarding abusive behavior by credit bureaus that have left me unbanked and underbanked. I am writing specifically again ChexSystems and their QualiFile score system which is unfairly denying me a bank account and not properly functioning ( based off the attached document ChexSystems states my QualiFile score is XXXX, which is outside of the acceptable ranges ). 

To resolve this situation, I would like ChexSystems and Qualifile to immediately remedy their system problems so that my QualiFile score is not shown as XXXX, send a copy of the credit report and QualiFile score to my at my address, and once all amendments and disputes are finalized informed all inquiriers within the last 12 months. 

Put bluntly, the fax that the ChexSystems QualiFile score system does not even operate within its published bounds means that myself and probably thousands of other consumers are being unfairly denied a bank account due to a QualiFile score of XXXX being given to financial institutions that are unable to process a XXXX score value. Therefore, to ensure this does not damage me again, please adequately explain to me why my QualiFile score was presented as XXXX, once again outside the acceptable range, and inform me of what action you have taken to avoid the problem in the future.

Company response to consumer: Closed with explanation