milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Transunion had a computer glitch that caused inquiries to be deleted. Transunion later added them back onto my credit report without giving me legal required written notice 5 days prior to them re-adding them. I have contacted Transunion in good faith to ask them to delete the inquiries that they had illegally re-added. On X/XX/2017 around XXXX XXXX I spoke with a Transunion rep name XXXX and later that day around XXXX XXXX spoke with a XXXX to advise them that I checked my credit report and found unauthorized inquiries on it. Both reps declined to remove inquiries off my credit report. I advised both reps that these inquiries has had a financial hardship on my life because it lowered my credit score that made it harder for me to purchase a home. I told them that they were violating my rights, but I was told by the rep XXXX that this was Transunion 's problem and it does n't matter. I 'm asking the CFPB to help me stop Transunion from continuing to victimize me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am not aware of this account that is on my report for an illegal eviction since the locks were changed before the eviction court proceedings took place and while the original notice was still in play.

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 05/25/2017 about Checking or savings account (Other banking product or service) with JPMORGAN CHASE & CO. (MI).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Chase Bank Owes me {$290.00} for services not rendered from a vendor after promptly closing my account early  XXXX  with out notice. I recently received notice as of today via email that an account reversal of {$130.00} took place when I no longer have this account by the bank 's request and the bank wants to charge me back funds when in fact I have not had returns. I also had to spend extra money due to the shut down o n the road, a nd Chase Bank refuses to compensate me for the huge disruption with out even having a debit card to use while traveling.   Now the bank want to charge me for a claim that was not valid. I received a letter with no description. I do not want Chase Bank to email me, or to contact me at all other than mailing me of what is due to me which is {$290.00}. My account have been closed since  XXXX  upon the banks request. I find this unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Good day, I applied for home mortgage at Wells Fargo bank and had a so bad experience. I came to the branch at XXXX XXXX, Florida at first time in middle of XXXX 2017. I was honest and told to consultant XXXX XXXX XXXX XXXX that I 'm single mom, my average salary is XXXX $ per month, I do n't have a long working history in the USA and I need to use first home buyer program from XXXX county for down payment. He was polite and nice, so he sent my application for pre-approve and I 've been pre-approved. When I found a house, my consultant suddenly realized that I do n't have 2 years experience in the USA, but in few days he said that I should be ok. We started process. I signed documents with the seller and paid XXXX $ deposit, paid XXXX $ for house inspection, signed documents in the bank and started to wait decision. For couple of weeks I did n't hear from anybody, so I started text to mortgage consultant and realtor XXXX XXXX XXXX XXXX nobody answered. Finally XXXX ( mortgage consultant ) picked up phone on Monday,XX/XX/XXXX. He told me that he is going to have answer for me in couple of hours from the XXXX county assistance program. ( Note : Seller knew that everything is cancelled at this moment because he got phone call from realtor almost one week earlier. So, while I tried to find information everybody knew already that everything is cancelled, but nobody told me truth, just ignored me ). XXXX did n't call me that day and next day, he did n't pick up phone. I emailed him on Wednesday XX/XX/XXXX and got answer : " Hi XXXX, Unfortunately we are not able to provide XXXX county assistance now. We have to get re-approval again because the one we have expired ''. So, how does it come consultant did n't know they ca n't provide XXXX county assistance? I spent time, money, refused to get new job because of mortgage process for nothing. If he saw that I 'm not qualify for mortgage due to not enough experience, small salary or other why did n't he tell me truth at first? Why I got answer after wasted time and money? He is consultant and his job to help.
Finally, in almost two months of waiting I do n't have official decision from the bank or XXXX county assistance program, I have just consultant 's " unfortunately, we ca n't ... ''. Due to this situation I lost a good house at good and safe location as well. Please, do investigation and give me answer on this situation. <P/>Thank you and have a good day. <P/>Kind regards, 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 12-07-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Deposits and withdrawals

Complaint: Wells Fargo has placed a 10 day hold on a deposit, causing {$140.00} in over drawn fees. The Check has cleared the sending bank, but Wells Fargo will not honor the check and will only refund a quarter of the fees. They are telling me that it is not a bank error that they have not collected the money yet from the sending bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The Receivable Management Services Corporation (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Receivable Management is reporting an auto insurance debt on my credit report from XXXX XXXX. I do not owe any outstanding debt to XXXX. I currently have a policy with XXXX. They would not have given me the new policy if i had an outstanding debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Shopping for a loan or lease

Complaint: XX/XX/2015- SANTANDER CONSUMER- I Co-signed for a truck for XXXX XXXX XXXX When the saleman came to my house to show me the truck XXXX XXXX had picked out, ,I told him " I will NOT Cosign Anything unless it had the " life Insurance '' added on it -- so if something would happen to me or XXXX `` That truck '' will be paid for. He told me " No Problem '' he 'll add it in the contract. ( I have a witness that was here the entire day ). When he ( saleman & sales lady ) came back with the contract I asked him " Where is the Life insurance '' on the contract -- He pointed to it & said " you requested it '' so " there it is '' ( I have a witness to this fact ) because they were standing right beside me when he pointed to it. So i Co-signed the contract. Day 's later i sat down and read that contract " Word for WORD ''. ( Which i still have ). After reading the contract i was SHOCKED to see that I WAS LIED TO!! He NEVER added any " life Insurance '' on the contract. He LIED to me Just to get me to sign " His Big commission '' check off that truck!! When i called the dealership to complain about " how i was Lied to '' I was given the run-around!! I was Ripped off & lied to!! After i told XXXX XXXX " what WAS N'T '' in the contract after requesting it to be added ( But was n't ). He decided to turn that truck back in to the dealership after just having it for just 2 week 's. When i called the dealership to inform them that XXXX XXXX will be bringing the truck back " I was talked to VERY Nasty from a lady that work 's there '' & she told me " He CA N'T bring that truck BACK, If he does I 'm going to mark it as Re-po truck!! I told her Anyone has 30 day 's to keep it or take back any car they get ( like the lemon law ) She said " Very NASTY '', " Do n't Matter '' You bring it back That 's what will be marked on that truck. She 's the only one from that dealership that actually told the TRUTH!! I 've been looking into this matter to get it removed/taken down ( credit level/score ) on my report, which is a XXXX. There is alot of companies out here ( fee 's are VERY High ) & i can not afford any of them. I was told how to get my free report and how i can dispute it. In my opinion, This was just Fraud from the saleman from him lieing to me just to get me to sign that bottom line. My company that was here that day told me they would be glad to write a statement to the fact of " What that saleman told me '' about adding the Insurance on the contract. PLEASE HELP ME, PLEASE!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I borrowed student loan money in the XXXX 's, to the sum of XXXX or less. I paid these loan for years and in XXXX, I filed bankruptcy and my loans disappered. I called and asked where my loan statements were and thay said " I did not have any active student loan accounts ''. I fought with this issue for years, because I knew I was close to being finished paying. Well fast forward 30 years and I owe XXXX and the issue was never resolved. I need help [ desperately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: The agent was very rude and unprofessional also unwilling to listen to me took control of the whole conversation and hung the phone up while I was still talking, also I asked to speak to his supervisor and all that happened was he used a different name but was the same individual the agent name is " XXXX "

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MO).
Issue: Struggling to pay mortgage

Complaint: I am over 12 months behind on my mortgage. I have tried calling, emailing, leaving messages ... no one will return my calls or email. ( Ditech financial is the company ). Literally the 2-3 times I have actually gotten to talk to someone they have been rude and no help. One lady even laughed at me while I was on with her because I was so far behind. I bought this home new in XX/XX/XXXX, I have raised my kids here and I owe less than $ XXXX on it and I am going to loose my home because they refuse to work with me. The couple time I spoke with someone they told me that if I could not pay the WHOLE pastdue balance dont bother sending anything at all because they would still foreclose!!?? Really??? who says that!!!! You can go here and read their review and you will find that 95 % of their customers are being treated the same as I am. XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Debt collection (Credit card) with Dynamic Recovery Solutions, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I 've received repeated phone calls from Dymamic Recovery Solutions regarding a debt I owed over XXXX years ago when I was married and going under a different name. All phone messages indicated that if I did n't call them, I would be served with papers either at my place of employment or at my place of residence. 

This time-barred debt has since appeared on my credit report with an account open date of XX/XX/XXXX ; I did not open any new credit under my current name or under my former married name at that time. This account was originally opened under my married last name ; however, I have not gone by that name nor have I opened any credit accounts in that name since prior to my divorce in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/24/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Settlement process and costs

Complaint: I cannot close my short sale without the Assignment of Mortgage from this lender after short sale has been approved on XX/XX/2015. Me, my realtor and law firm company called Green Tree Servicing and left several messages requesting this to be done but nobody is helping us. My bayer is telling that they will walk away from the house if don't close by XX/XX/2015.....Not sure what to do !

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2016 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Unsolicited issuance of credit card

Complaint: Synchrony Bank has issued a credit card that resulted in hard inquiry into my credit record and subsequent reduction in my credit score, without my prior permission or authorization. I have never requested a new card and would have refused to have it issued had I known in advance. However no one ever asked. The Synchrony Bank just went ahead and did this on their own volition. 

The card does n't provide an option for the activation, nor does it provide a valid contact number. The number listed can not be reached, this bank is not XXXX member, and there is no way to contact them. Furthermore, I have never received any terms of using this card. 

Bottom line, I want this card canceled, I vigorously object to have my credit checked without my permission, and I do n't want to ever have this card, period!!!! I am very disappointed, I have worked hard to get my credit score to over XXXX and now it has taken a dip, thanks to the Synchrony bank. I deeply dislike this kind of practices. I DO N'T WANT TO EVER HAVE ANYTHING TO DO WITH THIS INSTITUTION!!!

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 09-01-2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: On XXXX/XXXX/15 I authorized Macys ( Department Stores National Bank ) to pay my account from my checking account on XXXX/XXXX/15. A letter from was sent to me confirming that this was authorized and would be done. It turns out that the Department Stores National Bank has been updating its system ( did not advise the customers ) and never processed my payment. They accused me of not paying my bill and assessed a late fee against my account. They refuse to reverse the charge even after I provided them with the confirmation # received at time of my processing and letter from them acknowledging I scheduled a payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In   XX/XX/XXXX , it is  alleged b y Fedloan that I m ade a late payment on my student loans. Whether this is true or not is the matter at hand. What I 'm filing a complaint about today is that after Fedloan reported this to the credit bureaus, it shows up as  XXXX  delinquent accounts since my student loan was in  XXXX  installments. But this is misleading and inaccurate for the following reasons.  <P/> When  Fedloan sent  me emails they said, " my account is ready to be paid. '' Note, it did not say accounts, plural. When I mailed in a check each month, it was paid with  one che ck. When I paid the loan off in full in   XX/XX/XXXX  , I made  one paym ent with  one check to satisfy the remainder of the loan. I made one late payment, it should be reported as such. A prospective employer, landlo rd, mortgage provider view me as someone who made  XXXX  late payments. But I 'm not. Fact.  <P/> I tried contac ting Fedloan and the credit bureaus but they ignore me. It is very difficult to get a hold of someone from the credit bureaus. This misleading and inaccurate info on my credit report has hurt me financially. What was once a viable next step in my life of purchasing a hom e has become a nightmare that likely wo n't happen until all these negative remarks are off my account in the year  XX/XX/XXXX . I 've been told by landlords my  credit score is too low . When I applied for a personal loan, the interest rate was 32.5 %! Is that even legal?  <P/> Update : I got an email from a crimina l investigator w ith some organization. I was so excited that someone might be investigating criminal charges again st Fedloan, I   told all my friend s. One said be  careful, figure out who is contacting you. I googled it and found this organization is actuall y Fedloan! Why would Fedloan send a CRIMINAL investigator to contact me without saying they are from Fedloan? More misleading and shady behavior from a corrupt organization. Is there goal to scare and intimidate me? In the last email from this investigator he says, " we will consider your case closed if you do n't contact us. '' Hahahaha! This is far from closed Fedloan.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Student loan (Non-federal student loan) with DISCOVER BANK (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I overpaid Discover Student Loan Services ( {$2000.00} ) and have been getting the run around trying to get a refund. It 's been over 70 days since I gave them notification ( e-mail and I have a solid paper trail ) and I continually get " the check is in the mail ''. Any suggestions?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ECMC Group, Inc. ().
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was contacted in XX/XX/XXXX to file taxes for XX/XX/XXXX. It was my error thought I completed on line. Filed with the Indiana Dept of Revenue ; no written response. Called, got hung up on, left messages no return calls, sent return in again, still no written XXXX from Internal Revenue Service, called again, was told putting hold on account, that did not happen. Got levy on personal bank account, rude people at both the Indiana XXXX, and Premier Credit. Not once contacted by Premier Credit, Indiana XXXX new dispute with amount owed. Claimed I did not send in XXXX and XXXX ; which I did both times. Basically, harassed by both

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other

Complaint: Chase denied credit card application by mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have Navient for a servicer. In XX/XX/2016 I contacted them to apply for the Non-Profit Loan forgiveness program. I was told I did not qualify for the RePAYE program ( income driven ) to pay the loan down within the 10 year non profit forgiveness program, when in fact I was eligible and qualified. A year has passed now and if I want to get on the program my payment will now be considerably larger and I have lost 1.5 of the 10 years of qualified non profit employment. I even went to studentloans.gov where it stated I was eligible bur Navient refused.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get frequents calls from collection agency asking to paid a bill that I do n't have any idea about it. I do n't have any record or bills about this company. I am not keeping answering calls from this collection agency who tried to scared me and intimidate me on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call my cell at least twice a day and my home line at least twoce a day as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My son has several student loans thru Navient ( formerly XXXX XXXX ) which I am a co-signer on several of his loans. I have paid on these loans for years b/c I always wanted to be able to pay for my kids education and in previous years he could n't afford to pay. We have been in a rate reduction plan the past couple of years with them and we have never missed a payment. This plan has to be approved each year. Since last year my sons salary has increased slightly by about {$10000.00}, but so has his expenses with a mortgage, car payment, and XXXX child XXXX XXXX ). My payments were {$520.00} per month. In renewing for this year Navient is asking him to pay {$980.00} month. His income did not double, his family is larger, his wife 's hours have been reduced. And they will not come off this rate per month or try to work with us. I feel like they do n't want you to pay them back sometimes. We have always paid and I 'm trying to pay them now and they do n't care. Seems odd that it would be this difficult to make payment arrangements when more student loans are being defaulted on everyday, more than ever before. Wish I had other options. We are a struggling XXXX family trying to do the right thing.

Company response to consumer: Closed with explanation