milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

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 05-10-2017 about Mortgage (Conventional home mortgage) with Midwest Loan Services, Inc. (NH).
Issue: Trouble during payment process

Complaint: eOn    XXXX   XXXX  , I called  Midwest Loan Services , Inc . to get a payoff amount for my mortgage. They sent me a letter with instructions. On   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX  wired the payoff amount to Midwest. Since then I have called  Midwest  several times trying to get back the mortgage payment of {$890.00} that was "  Transaction   Date   X/X/17    '' and  Due Date   X/X/2017   . On   XXXX   XXXX  , I went to  XXXX   XXXX   XXXX   XXXX  where I had gotten my mortgage to see if they could help me. They lady was on the phone for a lengthy period of time before she gave up and handed the phone to me and said good luck. Once again they quoted me numbers that did not make sense to me and that do not appear on any of the documentation. That is why I am here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have a credit card fraud few years ago, which is {$550.00} from my XXXX credit card, and the transaction was with XXXX XXXX. Finally the issue was resolved by the bank and XXXX, and the money was refunded. 

On XXXX 2015, I saw in my XXXX credit report, there is a collection from a third party collection company " XXXX '', with {$550.00} amount, stating XXXX. I worked with my bank and the collection agency and finally resolved after few weeks painful work. It was finally removed. 

On early XXXX 2015, I noticed the collection is back to my credit report again with a different collection agency " Diversified Consultant '', on my XXXX reports. 

It 's been ridiculous, and it 's extremely painful to work with XXXX XXXX and the collection agencies, since I was never a customer of this company, and each time I contact XXXX, customer rep always states I was not a customer, and they do n't have my info. And collection agency always ask me to get info from XXXX XXXX. 

It 's illegal to collect a debt that I do n't owe ( and resolved by bank and debt owner few years ago ), and repeatedly show up in my credit report with different collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Deposits and withdrawals

Complaint: I tried to withdraw up to {$300.00} from my Citibank IRA today on XX/XX/2017 to transfer to my Checking account today so that we could use the funds for important necessary purchases and also prevent my checking account from being overdrawn. To save time I did the transaction over the phone. Because I did the transaction on the phone Citibank is refusing to make the funds available for a whole day. While this may not be an absolute hardship today it could be if I was bedridden or in a hospital. I even went into my branch at XXXX XXXX XXXX XXXX NY and they told me they could do nothing. I would like some kind of compensation for the over hour 's worth of time I spent today and I got nothing done. Perhaps the CFPB should require banks to make funds available from retirement accounts of the same bank on an immediate basis since the bank will not do this voluntarily. I wonder if there is any federal law, rule or regulation which also caused this to happen.

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 08-07-2015 about Debt collection (Medical) with Credit Consulting Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Credit Consulting Services has continued to attempt to collect amounts that are no longer on my credit report. They are showing that I owe a judgement from XXXX/XXXX/07. This no longer appears on my credit report either. How long can a debt collector continue to collect on old debt? I have been threaten, sued and harassed by them for over 10 years. What rights do I have to fight against them?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have had a federal student loan since I started college XX/XX/XXXX. Some of the loans are subsidized while the others are subsidized. I started going to school for my XXXX degree XX/XX/XXXX, and since then my student loans went into deferment. Without notifying me, the loan servicer, FEDLOAN SERVICING, changed my status from deferment to forbearance, in which case all interest that had accrued overtime, was added back on my student loan. These loans are already a burden and it is frustrating when federal loan servicing companies try to manipulate ways of repayment in order to make the max amount of profit. I am still in school half time and do n't understand why every semester I should have to re-report my status as a student. My loans went from deferment to forbearance XX/XX/XXXX and to date I have not been notified of this change. I only noticed this change yesterday, XX/XX/XXXX, on my online account at fedloan.org. I hope that something can be done about this matter so these issues do not keep occur again. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a credit inquiry on my report that I did not authorize from XXXX XXXX XXXX XXXX dated XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Navient has used XXXX different phone numbers in attempts to contact me since XXXX XXXX. Many numbers have called repeatedly. When the numbers are called back they are reported as not in service. 
Navient has also contacted my employer after being told that is not permissable. 
They have sent fax requests for information when they were told this was not permissable. 
They have threatened legal action. 
They have offered 'solutions ' via email but refuse to provide any additional information via email when requested. They state they can only speak over the telephone. 
Viable information that Navient does in fact negotiate via email and offer deferrment and/or forebearance via email.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (OR).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Lender has contacted my employer several times. lender is also coming to my work harassing me and other co workers.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I received this paperwork several days ago. I had no idea what this was for. I called the attorney listed on the paperwork. Their office advised me that a judgment had been ordered against me and they will get their money anyway they can. I spoke to an attorney and confirmed the judgement. I explained I was never served and had no idea what was this was all about. The attorney said he can take the case but will cost {$1200.00}. I do not know why I have to pay for something I have no knowledge of? I never received any paperwork or any phone calls from anybody for any debt. This should be against the law to be harassed at work for something I have no knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (VT).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: My wife was trying to access her account on line via linking a service to the checking account. It was noted that TD Bank was blocking her from enabling applications via internet and it gave us a direct # to speak with a td Bank representative to fix the issue. We called the XXXX XXXX XXXX # and was told that it would be 20 minutes of waiting to speak to a representative, After being on hold for 56 minutes a man came on the phone and said he was unable to help unless we went to a TD location. This is unacceptable we lost the deal, and will be closing td account.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax 's poor security practices lead to the public disclosure of my personal information as part of a security breach that affected millions of people. Equifax failed to properly notify me of this breach ; after waiting approximately a month they only reported the breach through a press release and made no attempts to notify affected persons directly. Equifax is offering a credit monitoring service to affected persons, however acceptance of that offer affects your future legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am having an issue with Ocwen. We requested a short sale and sent a complete package and Ocwen acknowledged receipt of the package on XX/XX/XXXX. With a sale date of XX/XX/XXXX, the package was received prior to the 37 day deadline. Ocwen keeps asking for a rental certification ( the house is NOT rented ) We have repeatedly told them the house is not rented. Then they asked for a Social Security Awards letter. The homeowner has been getting social security for 25 years and does not get a " awards letter '', just a XXXX. We have sent this to Ocwen three times. They are just trying to delay so they can take the house to sale. They have unclean hands. 
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Ocwen verbally advised that they would review the buyer 's cash offer for closing before the foreclosure sale and also stated that they could request a postponement on the foreclosure, however have not done to to date. 
Also, the note was rescinded on XX/XX/XXXX and Ocwen is not honoring this recission.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had XXXX accounts ( XXXX for credit cards, XXXX and XXXX ) and XXXX for student loan from XXXX. I suspected those accounts were fraudulent since it was not authorized by me. 
Based on a dispute lodged by me thru XXXX on XX/XX/XXXX, these XXXX accounts were deleted from my credit score which resulted in a drastic reduction in my score. 
After lodging the complain, I realized that those accounts were opened by my son who happens to have same last name as mine. He was trying to build some credit for himself. 
In view of the fact that deletion of these accounts have reduced my score considerably, I am requesting Transunion to re-instate those accounts as before so that my previous credit score can be restored. It will help me a lot since I am planning to buy a car this month. 
Your kind cooperation and prompt action in this matter will be highly appreciated. 
Regards, XXXX XXXX SSN ending with 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 10-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: i tried to add my comments to the specific dispute on my credit report on-line. when i tried i kept getting an error message. after XXXX phone calls i was finally told that I ca n't add my comments to an on-going investigation which seems crazy since i would think Transunion would want as much detail as possible to help resolve the situation. additionally, their comments section is limited to XXXX characters which is not very much. On my last phone call supervisor XXXX advised me that Transunion is having issues with their on-line service and that comments ca n't be added due to technical issues. he advised me to call back and that they would add my comments over the phone which i think is rediculous. i just want to correct my incorrect credit information and i have spent 2 hours doing something that should only take 15 minutes, and it 's still not resolved. I attached my complete and condensed version for your information in case you can forward either one to TransUnion. the edited version is what i tried to attach to their on-line service due to their character limit.

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 08-04-2015 about Credit card () with BARCLAYS BANK DELAWARE (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am a victim of identity theft. Barclays Bank Delaware opened an unauthorized credit card in my name using personal information. My credit report shows Barclays Bank Delaware made an unauthorized credit inquire on XX/XX/XXXX, then sent me a billing state for unauthorized charges totaling {$4.00}. The identity theft has been reported the XXXX Reporting Company disputing the Barclays Bank Delaware account was made on XX/XX/XXXX and a fraud alert has been placed on the account. I want CFPB to prosecute Barclay for fraud and theft and any other relief deemed proper.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/20/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My home has been foreclosed on and is set for auction on XX/XX/XXXX at XXXX. I have not been able to obtain a loan modification nor a short sale approval. 
I am an older gentleman, XXXX years old. I lost my job in construction after the real estate market crash XX/XX/XXXX and soon was unable to make my mortgage payments. Since then, my wife and I have encountered several health crises. She has had to have XXXX and I had a XXXX XXXX and XXXX. All the while, we have also had to provide for my ailing XXXX year-old mother-in-law who is under our full-time care. 
Luckily, I was able to get another job XXXX this year. I am now healthier and gainfully employed. 
My home is now set for auction XX/XX/XXXX at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Application, originator, mortgage broker

Complaint: This is with respect to my experience with Bank of America, XXXX, NJ Branch. I contacted them for a pre qualification of a mortgage loan before I can put an offer on a house I was interested in buying. I made it very clear to them that this is just pre-qualification and asked them if doing it will have any impact on my credit report, and if it did then I do n't want to proceed with them. They made it very clear that this will only be a soft check and it will in no way affect my credit history/report. I went ahead with the pre-qualification with them based on this assurance. However to my surprise my credit history was affected as they run a hard check on my SSN. When I contacted them asking for explanation, the person said she was not aware of it and said she was sorry, but said there was no way to fix it. This happened on XXXX/XXXX/2015. I even complained to the BOA redressal cell, but never got a response back from them. They never resolved this issue and I reached out to a person who asked me to call him for resolving the issue and he never got back to me nor to my message.

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 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened a student loan in XXXX 2010 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$4100.00}?

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 05-09-2017 about Payday loan, title loan, or personal loan (Title loan) with United Group Inc. (WA).
Issue: Charged fees or interest you didn't expect

Complaint: XX/XX/XXXX I took out a {$3600.00} title loan with United Finance in XXXX, Washington. I was told the loan amount would be {$4800.00} with interest. I made 5 payments before my car broke down and I could not afford to pay. The title loan company repossessed my car in XX/XX/XXXX, then sold it at an auction. The total amount of payments I made was {$1000.00}. They then sold my car for {$850.00}. In XX/XX/XXXX, I was served papers that the title loan company was suing me in small claims court for {$5000.00}. This amount does not reflect the {$1000.00} or the {$850.00} in money they made back. This is more than the initial loan, including interest would have been if I had never made any payments. They did not show up to our court ordered mediation, so the case was dismissed. They then put this account on my credit as a charge-off in XX/XX/XXXX, for the amount of {$5000.00}. Since then, they have added {$110.00} in interest. My account is currently {$5100.00}. I do not know if this is legal, but it does n't seem fair that {$1900.00} in payments are not reflected in the balance owed. I am also not sure if they are allowed to add interest to an account that has been closed. In XX/XX/XXXX, I disputed this account for wrong information to the credit bureaus. Nothing was changed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX for XXXX XXXX Hospital, paid medical bills should be removed from a credit report. For addresses I never lived in Ohio. XXXX is showing payment history for before 2014, I did not have a loan with them at that time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I attended XXXX XXXX College in XXXX, New Hampshire. My sophomore, junior, and senior year I handled my financial aid without the help of my parents. I was a good student. I got a scholarship, I was a XXXX, and was named XXXX team for maintaining the highest GPA on the team for two years straight. During the three years in which I handled my own financial aid I was advised by XXXX XXXX XXXX 's financial aid office to go to XXXX and to take out Signature Student Loans in order to cover the remaining costs that I had during the year. It was so easy and I had no idea what I was getting in to. Before I knew it I was {$100000.00} in debt to XXXX XXXX ( now Navient ) with 9.75 % and 9.25 % interest rates and very little hope for a financial future. Monthly payments have been over {$1000.00}. I work a full-time job, a part-time job, and serve part-time in the XXXX XXXX XXXX ( they offer student loan repayment on federal loans ). I am XXXX years old and am hampered by incredible debt. I 'm not afraid to work, in fact I work all the time just to afford my monthly payments. I am unable to save any money for a house or start a family. I feel like I was misled by my financial aid office and XXXX XXXX. I was XXXX, XXXX, and XXXX years old when I took on this debt. I did not understand the gravity of the decisions I was making. To make matters worse it was so easy! A loan application for {$30000.00} at 9.75 % interest took me XXXX minutes to complete! It did n't even require a co-signer. I am current on all my bills and have never missed a payment, but am getting very frustrated at not making any progress. I 'm concerned about my future and the burden that I put on my future spouse and my family. I 'm not XXXX to run from my problems, but I need help. Navient has recently worked with me in negotiating a lower monthly payment and interest rate for 12 months. I am very grateful for this, however the payments are still nearly {$500.00} a month and only offer a short-term solution to the problem.

Company response to consumer: Closed with explanation