milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/24/2015 about Student loan (Non-federal student loan) with Allied Interstate LLC (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I called to file a complaint against a debt collector for XXXX XXXX Bank and received a email requesting additional information. I tried calling and got a message I was unable to leave a message. Can someone respond to this email. Thank you. 

XXXX XXXX XXXX, 2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Merchants Credit Bureau, Inc. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Merchants credit bureau XXXX Georgia is re-aging an account.changing the dofd to several years later..this account has been in collections over 7 years..after contacting them directly they denied..each cra has different dates for removal..experian has it listed to be removed XX/XX/XXXX and XXXX shows they reported dofd XX/XX/XXXX..collection agency stated it will remain on there till XX/XX/XXXX.. This from a fire utility company who in XX/XX/XXXX quit billing consumers themselves and starting in XXXX fire fees began being collected with county tax.also after contacting the CA by balance changed by XXXX on my credit reports probably because they had to send some proof of the account and the one they provided conveniently has no year showing but a balance XXXX less than they had been reporting.I explained that my account was sent to collections in XX/XX/XXXX and they claimed it was a different account but impossible ..I 've only lived in one place in the district the entire period..attached will be my XXXX showing the account being older than reported and XXXX being as if a newer account also a paid tax bill from XX/XX/XXXX showing fire was included in taxes beginning that year. I can furnish more if needed

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Debt collection (I do not know) with Credit Protection Association, L.P. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have no idea which company represent never received a bill from previous company just find out when I pull up my credit that I have a debt of {$310.00} with a collection Agency without knowing the name of the previous company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2017 about Payday loan, title loan, or personal loan (Installment loan) with REGIONAL MANAGEMENT CORPORATION (NC).
Issue: Problem when making payments

Complaint: Company calls excessively, calls others not listed on loan ( listed as " references '' ), charges usury level interest, filed loan application using fraudulent information ( claimed assets that are non-existent ).

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: Deposited check on XX/XX/XXXX and 10 days later, check was n't cleared. Called bank to inquire as a " fraud hold '' was noted on my account and I was told very nicely that the funds would be credited to my account. The representative could did not however, adequately explain why the clearing process was excessively long. Upon checking my bank account online, I noticed that a " pending hold '' memo was on my account. I 'm not sure if this means the funds were provisionally cleared or actually cleared. My complaint is that the time duration of the check clearing process in the modern era is excessive and should be modernized via existing technology.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XX/XX/2015 I reported to the credit bureaus ( XXXX and TransUnion ) that I did not authorize XXXX., to run my credit with any banking institution for credit on a new vehicle. I gave XXXX permission to run my credit and I told them if their financial institution could not finance me then I do n't want the vehicle. I was informed by my sales Representative XXXX. that my credit would not be sent to other financial institutions. But I found out later that was a lie, when I pulled my credit report it had four inquiries ( XXXX, XXXX XXXX, XXXX Bank and XXXX ) I did not give permission to run my credit. I wrote XXXX and they did not respond to my request for them to contact the financial institutions and have them to remove those inquiries of my credit report. These inquiries are hurting my credit and me and my husband have put off building a home due to these inquiries. I have given them more than enough time to remove these inquiries and they have not. I am attaching a copy of a signed receipt from XXXX where they did receive my letter to have these banking institutions to remove these inquiries.

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 02/21/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (OR).
Issue: Loan modification,collection,foreclosure

Complaint: We are writing to dispute the following information on our current credit report. The item in dispute was a refinance of our home mortgage, referred to as a Home Affordable Modification Program ( " HAMP '' ) and Home Affordable Alternative Program ( " HAFA '' ) with Ocwen Loan Servicing, LCC in XXXX, 2016. We are requesting that the item be removed to restore our credit rating and to correct the information. When we requested the loan modification we were specifically instructed by Ocwen Loan Servicing, LCC to suspend our payments while the refinance was in process. We were never offered counseling or informed that suspending our payments during the refinance process would have such a adverse effect on our credit report. Therefore we are specifically requesting that the " Serious Delinquency " ( very late payment ) item be removed from our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: We purchased a car XXXX. We noticed that our payments were not being reported to credit bureaus. Therefore, we have been subjected to a financial hardship. We have sent numerous docs that the agency has asked for and they keep losing it. They refuse to report payments but accept payments with no hassles.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Student loan (Non-federal student loan) with Schachter Portnoy, L.L.C. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Case number : XXXX This is a follow-up to the previous complaint against XXXX XXXX XXXX and Schachter and Portnoy ( the collection attorneys ). I was in touch with my son, XXXX, the original signer of this loan and the one who was paying this loan through XXXX for many years. He called XXXX XXXX XXXX of the Firm of Schachter and Portnoy and left a voice mail and never received a call back. He attempted on several occasions to reach out to XXXX XXXX but to no avail. This is his loan and he is willing to pay it back, but the creditor needs to be in touch with him, not me. I have provided everyone with his phone number and address and he called and left his phone number for XXXX XXXX to reach out to him and he received no return call. It would be appreciated if this matter would be resolved immediately. 
Very truly yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Incorrect information on your report

Complaint: We live in XXXX, TX near XXXX  and was our house was flooded during hurricane Harvey. Our mortgage was through XXXX XXXX XXXX. They granted us a 3 month forbearance which would of been up in XX/XX/XXXX '. During our forbearance in the beginning of XX/XX/XXXX ' they sold our loan to Freedom Mortgage. I contacted Freedom to discuss the forbearance which they were aware of. We sold our house and paid the loan off in full on XX/XX/XXXX. In XX/XX/XXXX' we received a letter from our credit protection agency stating Freedom Mortgage filed a 60 day late payment to both my and my wifes credit. We contacted Freedom and the person we spoke with told us that the report shouldn't of been made and they would take it off. 30 days later we received a letter from Freedom stating that the filing was correct. We contacted Freedom Mortgage again and they again stated that the filing was incorrect. We are trying to get financed for a pool and this negative reporting has wrongly lowered our credit score over 50 points. They keep telling us that they will correct but have taken too long to do 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 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Someone put me down as a co signer on a fraudulent car loan and this company refuses to fix it no matter what I send in. I have sent a police report, documents and a ftc identity theft report yet this fraudulent account is still on my credit report fraudulently blemishing my record and I was n't given a chance to send all the information in within the first 30 days before it was reported to my credit due to all mailings going to an address I am not associated with that went to the fraudster. So I could n't dispute the fraudulent nature of this account. Which in turn causes me to miss other accounts that were fraudulently opened after that such a XXXX car insurance, a light bill, cable and an apartment after that point of first compromise. If this step does not resolve my issues I am taking legal actions regarding this unauthorized account. I should n't have to be thrown between 3 different departments when I call trying to get this removed, lied to and not provided the fraudulent application that was put in. It was not provided within 30 days of my original request for it and still have nothing on my end to try and pin point who may have done this.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I closed my account with XXXX years ago and I never heard anything about it, now out of no where I find out that some company " Enhanced Recovery Corporation '' is reporting a debt and affecting my credit. 

It is not correct and I will not pay for services I did not receive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-06-2017 about Credit card () with AMERICAN EXPRESS COMPANY (LA).
Issue: Billing disputes

Complaint: American Express has charged me {$180.00} for one day of allegedly being late on my payment and a {$27.00} late fee. I was not late on the payment. The payment was postmarked XX/XX/2017 the due date is XX/XX/XXXX, they say they received it on XX/XX/XXXX. This is nothing but pure greed. I have spent tens of thousands of dollars with American Express and pay my bill in full every month and never have been late. What a way to treat a good customer. Oh, and do n't send me their policies and interest rate dirty math, got all that from their drone reps who can only recite what they are spoon feed. This needs to be looked at by someone who understands customer service that can actually do the right thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.

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 09/14/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: wellsfargo bank made a cash advance to my checking account in XXXX of 2015, then they locked my account from me until XXXX of 2015 when I finally was able to get into my account when I noticed that they had made a {$10000.00} cash advance to my checking account which had a lot of interest charges applied to it. the bank said I would have to pay it all back before they would refund any money. I had to take money from another bank to pay back what I did not ask for ...

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 monetary relief
Consumer complaint received 12-02-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Account opening, closing, or management

Complaint: In XXXX 2015 I went to Wells Fargo Bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX ). I deposited my payroll check as usual. It was not until I went to a local store to make a purchase that I was told my debit card was declined. I called the customer service line for Wells Fargo to inquire about the issue and was told it would take 3-5 business days to resolve and was told my funds were deposited and withdrawn on the same day. It is important to note that I did not make a withdraw request only a deposit. This was on a Saturday which left me without any money until the next week. Well on XXXX/XXXX/15 I again went to the same Wells Fargo bank to deposit my payroll check and again the transaction made by teller was that of a deposit and withdraw again leaving me without access to my money. I am not sure why this continues to happen. I have called the customer department and spoke with XXXX XXXX but again was told it would take 3-5 business days to research problem. I also spoke with XXXX Customer Service Manager and was told she could not speak to me over the phone due to confidentiality, and suggested I come into the branch. This is not acceptable to me as I would need to take time off work which would cause hardship. I feel like I have no other recourse than to file a complaint. I have been a loyal customer for over 20 years. 

Please advise,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-11-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I applied for income based repayment in XXXX 2016. My Fed Loans has continually put off processing the application. I have called them multiple times a month for the last few months and it still has n't been processed. They keep saying that if I a pay a {$4.00} bill it will get processed. At first the bill did not come for a couple of months despite calling repeatedly and asking about it. Now I have paid the {$4.00} bill twice and still my loans have not been processed to income based repayment. Fed Loan Servicing keeps putting my loans in forbearance allowing interest to accumulate at an astronomical rate. My wife 's applied at the same time in XXXX had her loans processed in 2 weeks by XXXX XXXX XXXX. No matter how many times I call and they promise it will go through nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (I do not know) with Northeast Collection Bureau (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Keep calling my phone and job threaten with legal action also arrest

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TD BANK US HOLDING COMPANY (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have already submitted earlier today a complaint ( # XXXX & # XXXX ) regarding XXXX XXXX XXXX. I wanted to make sure to include the other company in which he spoke of TD Bank, however, did not release an amount. Initially he stated that the total sum included both companies XXXX and TD Bank, but when sending information per my request, it listed XXXX only for the full amount. I was misled by them verbally, and nothing has been sent regarding TD Bank in which he mentioned. I 'm believing that he intentionally withheld information so he can do a second judgment in which he will continue to harass me. I 'm not denying owing either company, however, I am disputing the amount of XXXX and I have no idea of the amount he will be claiming from TD Bank. I 'm attaching more supportive documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXransUnion Consumer Solutions XXXX XXXX, XXXX XXXX XXXX I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XXXX in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. My correct name is XXXX XXXX NOT XXXX XXXX XXXX THOSE ACCOUNT DOES NOT BELONG TO ME I NEED THEM REMOVED OF MY CREDIT PROFILE If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$10000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. XXXX, XXXX SOC SECXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: on  XXXX   XXXX  an inquiry was done and I did not request an inquiry by said company. per the credit reporting agency I was told to contact the company which I did when I found inquiry was on my report. I faxed a letter to request deletion of inquiry which they responded with inquiry would be deleted by credit bureau. I then reached out to credit bureau and requested to have inquiry removed and offered to fax in and they told me there was no need to fax in document but it would be removed and inquiry is still showing on my report. I would like my report to be updated with removal. The inquiry is showing up on my Equifax report. I also contacted  XXXX  concerning a inquiry  for   XXXX   XXXX   that  was not mine and requested to have removed due to its not mine and its about to fall off in  XXXX , I contacted company as well which stated since I was not aware they could not give me a letter as the other creditor had. they told me to contact the credit agency. the   XXXX   XXXX   inquiry is due to fall off  XXXX / XXXX /  XXXX  . also   XXXX   XXXX   is showing twice and should only be showing once. I requested for that to be corrected and was told that was not able to be corrected. I only applied for credit with company and the  XXXX  inquiry is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have a Private student loan with UAS ( University Accounting service, LLC ), that before it was XXXX. I called them today to talk about XXXX XXXX for Borrowers who attended XXXX Colleges between XXXX. They said that the Loan services is XXXX and they are not on the program of forgiveness, the only thing that they allowed to offer was Forbearance, paying {$20.00} a month but interest still accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Re : Seterus Serviing and modification Request. 
Seterus keeps asking for payment on a loan that was transferred to them for servicing. Representatives indicated that there was a modification in place for XXXX $ $ but has not produced any documents to confirm payment amount. When pressed I was told of a payment and received documentation by fax for another homeowner 's property in PA with a different payment amount. I filed a modification request over two months ago with all documentation requested provided and confirmed received. The the bank keeps calling to ask if I intend to keep the property. Documents have been submitted which they acknowledge receiving but no modification trial has been offered. To date I have received a payment statement but no modification documents verifying this. 
Thank you.

Company response to consumer: Closed with explanation