milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I successfully disputed inaccurate derogatory information reported on my credit report by Transunion. The account was reported by Transunion as deleted deleted on XXXX/XXXX/XXXX. The report was electronic and I have retained a screenshot of the report of deletion. 

At a later date, the disputed account was reinserted by Transunion, with an altered closed date of XXXX/XXXX/XXXX, after six years of inactivity and with no change in status. The original reported closed date was XXXX/XXXX/XXXX, six years earlier. 

I called Transunion to dispute the reinserted account on XXXX/XXXX/XXXX, the date of discovery. I had been regularly checking my credit report and the reinserted information did not appear until this past month apparently, at an unknown date. 

I spoke with XXXX representatives of Transunion who indicated ( 1 ) no letter notifying me of reinsertion was sent to me and ( 2 ) Transunion has a policy of not notifying persons of reinsertions of accounts. The Fair Credit Reporting Act requires a credit reporting to notify a person of a reinsertion of a previously deleted account within five ( 5 ) days of the rejnsertion. In this case at least five ( 5 ) days have passed, and no notice has been sent or received. 

Transunion has indicated that they will not delete the reinserted information if the creditor claims it is accurate, even if the information contained in the report is inconsistent with the previous report of the account. Transunion has additionally stated they have and will continue to violate the FCRA. I wish to have the reinserted account deleted, and to receive a letter admitting wrongdoing and confirming that the account will not be reinserted in the future.

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 01/18/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: On Wed, XXXX XXXX, I was notified by Wells Fargo Bank that my checking account balance was zero. I went on-line and saw that there was an error with Wells Fargo online Bill Pay system. Wells Fargo had paid one of my bills TWICE -- and the amount in question happened to be huge -- over {$6000.00}. Wells Fargo pulled money from my savings account to cover this " overdraft. '' I called Wells Fargo Customer service and was placed on hold for OVER ONE HOUR due to " high call volume. '' I hung up and tried customer service in Spanish ( 7-minute wait ) .. I was informed that there was a systemic computer glitch and many customers had the same problem. Wells Fargo had no idea when the money would be returned -- hopefully in the next few days. I was advised to monitor my account, not use my ATM card, and not write checks. Thankfully, I have no pending automatic payments. But what happens to customers whose checks will bounce, whose mortgage payments will not be made due to lack of funds? I would like Wells Fargo to return the money that it wrongfully removed from my account. But I also want Wells Fargo to contact affected customers, explain the problem, and offer an apology. This is a systemic problem. It calls for a systemic solution. Instead of putting the onus on individual customers to contact the bank ( and to wait for an hour to talk to a live customer service representative ), Wells Fargo should take the initiative and explain the problem to customers. I am filing this complaint to alert regulators to this problem because it is a systemic problem that requires regulatory oversight. I hope that the immediate problem will be resolved in the next day or two, but someone needs to figure out what happened ( what caused the computer glitch ) and help Wells Fargo develop a protocol for contacting customers ASAP when problems arise. This is the kind of incident that shakes consumer confidence in the banking industry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Notice of federal tax Lien is on my public record and it should have been remove since XXXX/XXXX/2014. All credit agency 's XXXX XXXX Equifax and XXXX still show it on my creditreport I want it off now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (TX).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: On XXXX XXXX2017 someone used my name and social security number, to open an account with Comenity Bank/Wayfair card. credit limit {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have submitted requests for these collections to come off my accounts because they are not mine and additionally, according to their secretary of state website, are not licensed and bonded to collect these debts XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1200.00}

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 09/18/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (NC).
Issue: Trouble during payment process

Complaint: My mortgage is serviced by LoanCare and from the beginning it has been an absolute nightmare. Our monthly payment should have been around {$1800.00} however our first payment and every one thereafter for 3 years was {$1700.00} according to the statements they sent us. I inquired about it and was told that was the correct amount due, {$1700.00}. SO that is what we paid, every month, on time for 3 years. Now all of a sudden our payment has jumped to over {$2000.00} because they realized they were not charging us PMI as they should have been all of this time. We have continued to pay our {$1700.00} because we were not notified of the change. Now our loan is in default and we are getting warning letters. I do not feel that because loancare screwed up for 3 years that is now our fault. I do n't mind paying the new payment amount of {$1800.00} going forward but I should not be responsible for their error for the past 3 years and be made to catch up immediately. Futhermore, they are no longer posting our payments. I made my XX/XX/XXXX payment and it cleared my checking account, they cashed the check but they will not apply it to the loan! Now my credit is affected poorly. A quick XXXX search of loancare will provide you with numerous other customers in my same situation.

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 01/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I mistakenly selected a private student loan from Navient while trying to apply for a Federal student loan because Navient mingled the private loan with Federal student loans. I made payments for years, and suddenly Navient increased my monthly payment amount to more than double. They actually had lied to me that they would decrease my interest and payment in the near future and that they would apply all the money I paid to defer the loan, in the past, to my principal. 
Unable to make the increased payment, I called Navient to negotiate. I have a recording of the call. A Navient agent categorically refused to negotiate and demanded instead that I pay the entire balance of the loan, even though I had not defaulted. When I told her that I do n't have the money, she asked me to transfer the entire balance of the loan to my credit card. She claimed, erroneously, that I have a credit card that I can use to transfer the balance and suggested that I do that because there is no other solution for me. The agent then threatened that Navient will destroy my credit rating as well as that of my wife, who co-signed for the loan. When I suggested that bankruptcy could be an option for me, she laughed and told me that Navient will not go to bankruptcy court with me. She further threatened that Navient will harass both my wife and me with phone calls until we pay the entire balance of the loan. 
Because I have a XXXX, I was very concerned about the potential XXXX that such telephone harassment could cause to my health. I therefore pleaded with her not to harass us with phone calls, and even threatened to file a lawsuit if they go ahead with the threat. I immediately requested, in writing, that Navient should only contact us by email and postal mail as they had done previously. Navient, however, proceeded with its threat and started calling us, as many as ten calls some days. I requested multiple times, in writing, that they should stop calling, but they refused to stop. I even sent my XXXX XXXX, showing that I have a XXXX, and informed them that I have had to seek XXXX for XXXX stemming from their harassment. Navient still refused to stop calling. I was under such stress that a part of my body started to swell, which will later turnout to be XXXX. I am convinced that my XXXX is likely caused by the XXXX that Navient caused. 
Navient only stopped calling when I found an attorney who called them and told them that he will file a TCPA suit. 
I have the recording of my phone conversation with Navient and I would like to submit it as evidence in your lawsuit against Navient. I would also like to appear as a witness if you can find me useful. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i filed a dispute with equifax to remove my unauthorized inquiries, was told contect the creditor. This was credity inquiries i did not authorize and want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This group keeps calling me, wo n't say what it is about except that they are from Pioneer Credit Recovery. They call every day at very odd hours. They leave a number, that when called back just puts you on hold for ever ( I made attempts ). I am on the Do-not-call list and the only outstanding debts I have are student loans, federal, that are in repayment at XXXX. My credit score is in good shape, and their consistent calls to me are abusive. I do n't know how to make them stop.

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 03/17/2016 about Credit card () with CITIBANK, N.A. (CT).
Issue: Payoff process

Complaint: Sears Credit Card has changed the way to access online statements. You now need to have an active credit card to create an account. They closed my account two years ago when I was unemployed, even though I paid them on time every month. Now I can not access my balance or schedule payments because I can not access my account online. I have to wait for them to send me a monthly statement in the mail ( and they do n't even provide a mailing envelope anymore! ). I feel this is an underhanded attempt to get people to mail in payments late so that they can collect more late fees off account holders who no longer shop with their credit cards.

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 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have been disputing several items on my report numerous times. Every time they come back they tell me that the information is accurate but they show me no proof. The tax liens on my report they will not remove and the other charges when I have told them that it is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I setup an income based repayment plan in XXXX. 2017 reducing my monthly payments from {$540.00} to {$120.00}. This made paying my student loans more convenient based on my earnings. 

Three months later, i find that the payments i have been making on this account has only been going to interest payments. I called XXXX and they informed me that the monthly payments always get applied to interest payments first. I graduated with a degree in XXXX XXXX XXXX and i work with amortization and interest capitalization schedules on a daily basis. I have an in depth understanding of how loans work and i am displeased with the deceptive practices by XXXX. 

My issue with XXXX is that they did not provide adequate information to the consumer of the loan when offering to lower their monthly payments. Their pitch to the customer is that you can qualify for reduced income based repayment plans and it will reduce the financial burden of your student loans. I was only provided with the reduced payment amount and nothing else. I was not given any information on how the payments would affect my loan nor was i given an amortization schedule for the new loan payments. 

Customers who qualify for reduced loan payments would gladly choose to have somewhat higher payment amounts if they find out that the reduced payment amount would not be affecting the balance on the loan. Essentially, the income based repayment is just a way for the loan company to make more money in the form of interest payments while the consumer gets no real debt relief. Once the loan gets recapitalized, the customer goes back to square one with respect to the balance of the loan. 

I am a firm believer in personal responsibility and for consumers taking responsibility for their decisions. However, this practice is deceitful and is harmful to student loan borrowers who are already saddled with large amounts of debt. Customers should be provided with new loan terms whenever adjustments are made to existing loans in order for them to make better decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Customer service / Customer relations

Complaint: I reported fraudulent charges from XXXX on my Capital One XXXX on about XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a letter signed by " XXXX '' stating he had found " no indication of fraud. '' The same day, I called Capital One to attempt to speak with him, and was greeted by someone who would only identify himself as " XXXX '' agent ID XXXX. I asked to be transferred to " XXXX XXXX, '' and " XXXX '' told me he was unable. I asked to speak to a manager, and he refused, assuring me he was a manager. I reworded my request to ask to speak to his supervisor. He asked why, and I reminded him it was because I wished to speak to " XXXX XXXX '' He again asked why and I asked if he already forgot my reason, and if he was refusing to transfer me to his supervisor. He told me that I have to act professionally or he was going to hang up on me. He finally egregiously refused to connect me to his supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In XX/XX/XXXX I filed a Chapt XXXX which was dismissed by the courts in XX/XX/XXXX due to a legal issue. I have worked with all XXXX credit agencies and both XXXX and XXXX have reviewed the Federal dismissal notice attached and have deleted this item except Equifax. This is causing me and my family hardship as it is affecting XXXX my son 's student loans that I am trying to help with and also blocking me from being able to choose other avenues to help them with furthering there future educational needs and costs. I was told by more than one Equifax agent that if I purchased Equifax services, then that would help me delete this negative item. The other XXXX credit agencies removed the negative item without asking for any additional payment or service. Why do I have to pay Equifax to remove something that is hurting the future of my family 's education? If they are doing this to me, I ask the CFPB to investigate how many other consumers they are trying to do this to. I am prepared to ask for a Congressional investigation if necessary and also have contacted Senator XXXX office on this subject. I am hopeful this can be resolved without involving other government agencies. The U.S government took exceptional steps to help consumers get back on their feet after the recession of XX/XX/XXXX- Example- Dodd/Frank. This action by Equifax stands in total opposition to what our regulatory commission have been working so hard to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On the XX/XX/XXXX ocurre 3 transactions that drop my balance from XXXX to XXXX dollars the transactions are as describe : Description : CHECKCARD XXXX XXXX XXXX XXXX CA XXXX CKCD XXXX XXXX CHECKCARD XXXX XXXX XXXX XXXX CA  XXXX CKCD XXXX XXXX XXXX XXXX XXXX # XXXX PURCHASE XXXX XXXX XXXX NY XXXX XXXX XXXX after this 3 transactions come in 2 transactions come as processing, and i spoke with XXXX XXXX Supervisor on the Floor Customer  Service Small Business , she claim those transaction where processing on the XXXX and effectively at that moment i did have balance but she also claim the transactions were process next day when my balance was negative because two new transactions come in. effectively two transactions come in but right after my balance was XXXX XXXX showing in the application. i am disputing those 3 overdraw fews that where originate for charges process on XXXX for the XXXX Transaction, another one on the XXXX for the apple, and the XXXX for XXXX was originated on the XXXX as XXXX confirm over the phone but where fully process on XXXX just when two other transaction come in and they charge me overdraft for transactions originated on the XXXX and XXXX. I spoke with XXXX XXXX who claimed those charges are valid to be exact she say are absolutely valid and she cant do anything about

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 11/22/2016 about Debt collection (Credit card) with Gurstel Law Firm, P.C. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Hello, I am writing in regards to a civil judgment from a company called Gurstel Chargo. They are a bad debt buyer and purchased a debt from a charged off account with XXXX XXXX Bank. I owed just over {$1000.00} and went to court to dispute it due to the hardship it would cause, but the deadline had passed and I lost, so my checks have been garnished for the past 9 months. I calculated the amount owed compared to the amt taken from my paystubs and I show that it should be paid in full. Yesterday, I received a letter stating that a company called XXXX XXXX was going to start garnishing me for the exact same account. I had only XXXX XXXX XXXX Bank account. I sent an email to Gurstel Chargo 's attorney and requested the balance and the amount owed and explained that XXXX XXXX was trying to garnish me again for the entire amount, ( which I know has been paid in full ). They will not respond to me. I checked my annual credit reports and sure enough, it shows the XXXX XXXX account was sold to another party and then sold again. I have paid this is full yet am being charged again for the entire amount I just paid off. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Medical) with Louisiana Recovery Services Inc. (MO).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: The original debt holder had 60 days to properly file this claim with my insurance. Prior to receiving services I was advised the cost outside of co-pay would be covered by my insurance. These services were only accepted because of the information provided by companies authorized personal.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: My home loan was through CitiMortgage, Inc. My homeowners insurance was through XXXX , Mo , expiring XXXX. XXXX XXXX did not renew my policy and did not notify me of the non renewal. CitiMortgage purchased force-placed insurance on the structure only, not the contents but did not notify me of this. My house burned down on XXXX XXXX, 2015. I called my insurance company and was informed I had no insurance. I called CitiMortgage and was told it was notified by my insurance company of the non-renewal and had acquired force-placed insurance, but did not notify me as required by XXXX. I received compensation for the loss of the structure but there was no coverage for the contents. My attorney wrote a letter to CitiMortgage and we have heard nothing. I have calculated my loss that was not covered. XXXX XXXX XXXX XXXX and CitiMortgage should be responsible for this loss. After my house burned down on XXXX XXXX, 2015 I called CitiMortgage. This is when they told me my homeowners insurance had lapsed. They sent me a letter telling me about the force-placed insurance on the same day and I am attaching it to this complaint.

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 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (ID).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX sold my loan to XXXX who sold to Rushmore. BK was filed w/ XXXX so should never have sold. XXXX is reporting it as a foreclosure and not bankruptcy status ( see attachments ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation