milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/25/2016 about Credit card () with WELLS FARGO & COMPANY (NC).
Issue: Delinquent account

Complaint: I received several calls over the course of 3 days from the same phone #. The caller never left a message and called excessively each day until I finally answered on the third day. He said he was calling from Wells Fargo about my unpaid balance of {$30.00}. I asked him why I never received a statement he said he could not control the Post Office. So when I saw he was being sarcastic I told him I would check my account online and ended the call. My problem is this is the first time I remember getting a call from Wells Fargo about my payment being past due. I have had this account for more than 3years and have kept up with the payments. I do n't understand the need for calling me at least three times daily about a balance of {$30.00}. I do know a thing or two about collections. He should have left a message the first or second time so I would know what the call was about. Then he would not have had to call me a third time. I would have just answered. But still calling a customer three or more times in a day is harassment.

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 10/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX, TX XXXX ( XXXX ) XXXX Use my credit XXXX time and I only ask for XXXX time, I would like it remove if possible. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Debt collection (I do not know) with Penn Credit Corporation (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Multiple recorded calls from XXXX XXXX XXXX about a supposed debt owed to " state of sc '' a state in which i have never lived or worked.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have  XXXX  collection accounts on my Transunion reports that keep getting closed and deleted then either a week or month later reopened.  XXXX  of the collections is  XXXX   XXXX   XXXX   XXXX  and the other is   XXXX    XXXX . I have screenshot proof as to when these items closed and when they reported back as opened. According to  US code 1681i- FCRA 611 ( a ) ( 5 ) ( b ) ( ii ) Notice to consumer : If any information has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later then 5 business days after the reinsertion or, if authorized by the  consumer for that purpose, by any other means available to the agency! Not once was I notified in writing that these account were going to be reinserted.

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 12-03-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted Ditech 's preservation department on or around XXXX/XXXX/2015 after I had been informed that Ditech had sent someone to my property to cut my grass. The company they retained- XXXX XXXX XXXX retained another smaller contractor who completely destroyed both sides of my gate along with the pad lock that was securing the property. They knocked the fence off the posting on both sides of my gate. By the way, the backyard is fenced and locked so I 'm not sure why they felt the need to break thru the gate to cut the back yard, which can not be seen! I contacted XXXX XXXX XXXX and they claimed Ditech 's preservation department authorized them to cut the lock and to gain access to the back yard. I had been corresponding with Ditech 's XXXX XXXX in the property preservation department to work on a resolution but my emails are now going unanswered. Due to their unscrupulous actions, my home has been unsecured since the company they hired trespassed on private property and destroyed my fence, gate and locking mechanism. To make matters worse, they have been and are now charging me corporate advance fees for the lawn maintenance and now fence repairs for a gate their contractor broker! I must tell you I have pictures where no repairs have taken place. Additionally, I asked on XXXX/XXXX/2015 that they issue a cease and desist order to all vendors from entering upon my property, but they are still authorizing vendors to perform work at my property. When I initially inquired about the " XXXX XXXX XXXX '' appearing on my statement, I was told that this was part of my escrow shortage. When I inquired on another occasion, no one knew what the fees being charged were but would send me a statement, which I never received. I recently spoke to a SPOC with Ditech, XXXX XXXX on XXXX/XXXX/2015 and he did n't know what the fees were for either but promised to find out why these fees are now in excess of {$1300.00} on my account. I must tell you that we are being forced to pay them in addition to the regular monthly payment. Our payment was refused if we did not pay toward the corporate balance. I am appalled at how my loan is being serviced and fear that other consumers are being taken advantage of. I never had these problems until my loan servicing was switched from XXXX Mortgage to Ditech. Please help!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: As of  XXXX    XXXX    Capital One reported a 30 day delinquency on my credit report, which decreased my credit score  by  XXXX  points. The company alleged I was delinquent on the account and made several attempts to contact me however to date I have not received a letter or phone call. In learning of the delinquency I immediately paid the card in full, as the balance was less than {$100.00}. I was advised I would be contacted with in 48 hours by a manager to further discuss the situation, that  was on  XXXX   XXXX  and no one has contacted me.     Up until this point I have never been late with any credit obligations, car, mortgage, student loans, credit cards, my credit has been perfect.     But do to  this one incident I feel Capital One has ruined th e good credit I have maintained for over 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (I do not know) with ERC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Amount : $ XXXXThis letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. 
This is the XXXX time that this company had listed a debt in my name and I believe they are playing a fraud game and I wish bring a suit against this corporation. I have previously disputed their entries, yt every 6-7 months, they re-appear attempting to collect money that is not rightfully theirs ; a debt that is not mine. 
Something must be done about this company. The internet is full of stories of this company sending out debt letters to people where the money does not belong to them or their identities have been stolen. 
I need to know how to I file a harassment claim against these unscrupulous collection agents! 
Am I going to be going through this for the rest of my life with this company? 
SOMETHING MUST BE DONE ABOUT THEM!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the full balance that was given to me over the phone with a debit card & thought it was resolved.The rep was satisfied & never told me the correct amt ( I guess ) Many month afterwards I kept getting notices by mail & phone that I owed a {$3500.00} late fee. That turned into the {$330.00} in collections, I spoke to a rep & tried to resolve this & pay the original {$35.00} if they sent me a bill reflecting that amt. 
They agreed to send me one, but I kept receiving a statement for {$330.00}, so I got nowhere & referred the acct to collections. Told them the same story & they have my original pymt on record & they have n't worked with me. {$35.00} turned into {$330.00} Unfairly!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Tried to reach out to company with Better Business on XXXX/XXXX/17 ; two attempts were made with no response. Advised the company of the following : This company which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$7500.00} with XXXX, XXXX, & XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof.
Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am no obligated to pay for the alleged debt.
Per statement it has been determined you can not verify this account and are in violation of the Fair Credit Reporting Act 611 ( a ) { 15 USC 1681i ( a ).

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 11/30/2015 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX XXXX 2015 I received calls every XXXX minutes starting at XXXX relating to a debit for an employee. I asked them not to call anymore on a previous call, however these calls had no announce just a hang up. I called back to tell them again to stop calling this number and they told me they could only give me their mumbled name of AdAstra. After this request I started receiving calls every XXXX minutes. I called in again and XXXX stated they had several accounts with them and they could not get our number completely removed. Each time I called in and gave the number they only pulled XXXX employees so I know exactly what she was referring with this statement. She then said it was going to be XXXX hour before it was removed and that every time I called in it generated a call. I reminded her that I had asked not to be called over 15 days ago and again on Friday because of their dialer practices interfering with my business and I felt I was harassed. She blew that off and said well do n't call in. I want to point in I only called after the calls became excessive and again when I received a call after asking not to be called again.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: As a co-signor, I am authorized on my son 's account. We had XXXX Private Student Loans with XXXX XXXX. XXXX loans were combined as a Group on XXXX invoice and we always sent XXXX payment that was pro-rated between the loans. But after the loans were transferred to Navient, NO PAYMENT made in 2015 has ever been posted properly. 

I called Navient in XXXX and again in XXXX to ask that the account be fixed, but nothing ever happened. So in XXXX 2015, I wrote a letter with very detailed Excel spreadsheet attached showing how payments Were vs.Should Have Been applied. 

Instead of correcting the mess, Navient replied that our accounts are in XXXX Standing and that if we suspect that payments have n't been applied appropriately, then please contact them!!!! It 's insanity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2018 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (NC).
Issue: Trouble during payment process

Complaint: Round Point Servicing Company has now admitted that they deliberately sent too early of a payment to my home insurance company and that it was the insurance department 's error on their behalf. This was after last years error of claiming my insurance policy number changed ( which this year they claim it never did ) and the year prior having an error of how their company was listed in the insurance side that they couldn't manage to call the insurer until I was on a 3 way call with all parties. Now Round Point has managed to over draft my escrow account by paying for the premium twice, rather then doing, as promised over the phone by representative XXXX, paying the difference between the already sent payment and the current premium. So now to fix their XXXX up they want me to come down to their office, take time out of my schedule, and pay the difference to them. Do they want me to pick up their kids from daycare while I am on the way? When a company or individual screws up, they take responsibility and fix it, they don't make the customer fix the problem over and over and over again. You are a servicing company, you provide a service, if you don't do this then there is no point in your existence. Round Point will not fix Round Point 's XXXX up not me. They will have to put for effort ( this means work ) to fix this, I will not. I am done doing your work. I will continue to file complaints until your error is fixed by you Round Point.

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 02/16/2017 about Mortgage (Conventional fixed mortgage) with PROVIDENT FUNDING ASSOCIATES (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage company failed to pay our property taxes out of our funded escrow account on time, which has resulted in a penalty and interest charge. The county tax assessor has also issued a Notice of Intent to Issue a FIFA on our property. We have contacted our mortgage company on several occasions to remedy this situation, but they have not been responsive to date.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: TransUnion Credit reporting agency has defamed my name and credit by posting unofficial residential addresses and 14 year old addresses on my credit report. I have asked TransUnion to remove those addresses and its response was to further denigrate my credit history. As a result of TransUnion 's failure to represent my personal information, I 've had lost out on job bids, had to get a cosigner to rent apartments and become XXXX with other XXXX thoughts. I 'm seeking financial reward in this matter. This is a discriminatory personal intention to ruin me financially with false reports. Inaccurate reports with data over ten years old.

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 11/18/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MO).
Issue: Account opening, closing, or management

Complaint: Hi, I opened a Citibank credit card early this year at the same time as my husband. We XXXX have Citibank XXXX XXXX credit cards and received and offer that if we open a checking account and did certain things ( e.g. pay bills with the checking account ) that we would receive XXXX XXXX XXXX miles. I completed these actions and then they said that the offer was n't found on my account. My husband completed the actions on his account and got the XXXX airline miles. They opened an investigation and after a long time said they would n't give me the miles. Meanwhile they were charging me $ XXXX/month because I did n't have {$50000.00} in the account. They refunded some but not all of the fees but refused to give me the miles so I closed 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 non-monetary relief
Consumer complaint received 07-11-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CO).
Issue: Late fee

Complaint: My payment due date fell on Sunday, XXXX XXXX. As you know, XXXX XXXX is a holiday. My full payment of {$34.00} was received XXXX XXXX and I was charged a {$27.00} late fee. I told the rep that I believed the Credit Card Act required that American Express accept my payment without a late fee within one business day of the due date. The rep told me that there is no such act. I sent them this " The Credit Card Accountability Responsibility and Disclosure Act of 2009 or Credit CARD Act of 2009 is a federal statute passed by the United States Congress and signed by President Barack Obama on XXXX XXXX, 2009. The Credit CARD Act details when credit card issuers have to accept payments. If your due date falls on a holiday or weekend, your credit card issuer has to accept the payment without charging you any penalty as long as the payment is received the following business day by XXXX ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/16/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Problems when you are unable to pay

Complaint: I 'm trying to get a refinance on my car loan. I 've had it for 2 years, and they wo n't lower the payment. They keep sending me threatening letters and wo n't help me. I need my vehicle and have been struggling with the high payment. I need to get in lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Due the the fact that in the above choices I have to choose from in the above box. My choice is not represented well so I had to pick one because my situation is based on the legal right to operate in the State of Texas as a debt collector and IC System Inc. does n't have the right to collect debt in the State of Texas. I am going to provide you with the Creditors Validation Letter I sent to them, I am going to provide to you the research from the State of Texas Debt Collectors Website to prove they are illegally trying to collect a debt. Finally, I am going to provide the certified mail document showing when they received the Creditor Validation Letter. 
This is a XXXX Account that never got service by XXXX because at the times of XX/XX/2012 and XX/XX/2012 they was not any service in my area for XXXX. What I am saying is they did n't offer service in my area so they closed the account out but still tried to bill me for an area they did n't service.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion has been reporting XXXX XXXX XXXX for 5 years, has been investigated more than 10 times and verified false, fraudulent, incorrect and incomplete information many times. 
THIS ACCOUNT FURNISHER has violated the spirit and the letter of the law in the 2009 Credit Card XXXX dollars was paid in XXXX checks to open the account ( violates statute by excessive XXXX. XXXX illegal internet access charge was made ( violates statute ) XXXX late fees are excessive ( violates statute ) .the information on the credit report is based on activities that include the illegal charges so the balance is inflated.there is no dofd on the report, the amt of last pymt is not listed, the scheduled payment is not listed ( used to determine excessive late fees ). 
I have attached all account history and legal reference in the form of the statute, the CFPB official guide, the Federal Reserve commentary on the ACT.all violations also violate FCRA and FDCPA on the part of Transunion and XXXX AND THE FURNISHER ARE NOW FINANCIALLY LIABLE REGARDLESS OF DELETION OR FUTURE ACTION ... ... FOR KNOWINGLY VIOLATING FCRA, FDCPA AND 2009 CREDIT CARD ACT, A JURY AWARD COULD BE SIGNIFICANT.

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 05/31/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (UT).
Issue: Account opening, closing, or management

Complaint: Wells Fargo is allowing someone named XXXX XXXX, whom I do not know and to whom I have not given permission, to use my telephone number for some type of Wells Fargo service. Wells Fargo has called my telephone number on multiple occasions, despite my repeated demands that they cease and desist from doing so.

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 04-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (ID).
Issue: Settlement process and costs

Complaint: My home in XXXX Idaho is scheduled for a trustee 's sale on XXXX XXXX, 2015. Theloan is predatory and it has been sold XXXX times, even though I have submitted all thenecessary documents for a modification multiple times. I can prove suitable income andcheating on the part of the lenders. I have a law firm representing me vs. Nationstar. XXXX XXXX 
XXXX XXXX of XXXX XXXX stated that Nationstar agreed to cancel the sale, but to date, Nationstar has not agreed to that in writing.

Company response to consumer: Closed with explanation