milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/13/2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (OH).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: On XX/XX/XXXX i submitted a agreed payoff amount to Wells Fargo Dealer Services in order to finalize and payoff a auto loan. At this time time i was told that that once payment was received it would take three days for the title to be electronically released since I was in a state that kept title electronically ( Ohio ). I called back on XX/XX/XXXX and was told that it was still being processed and it might be released that afternoon ( they had my money though ). I called back Mon and it still had not been released but it was processed as paid off on XX/XX/XXXX. I continued to ask for someone to speak to in regards to it being released and was told there was no one else to talk to. I called back Tuesday morning and then was told it was still being reviewed and they had 7-10 working days to process the procedure. I stated that someone told me that they had processed it already as paid on XX/XX/XXXX why cant it be electronically released? They said that was not true and they still had time to review the payoff. I stated you have my money and have had it for over a week what is there to be reviewed this is the settlement that was agreed upon already. I met my part of the agreement and my title should be released when I met my part of it. This delay is causing me problems of something that I paid for as agreed upon. Wells Fargo has accepted my payment but has not released my title in the timely manner as payment has been processed. When the funds cleared the title should have been released. There is no review process upon a already agreed upon settlement. WHAT IS THE REVIEW PROCESS! A DELAY IN INTEREST BEARING BANK PRACTICES.

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 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: my wallet was stolen. someone tried to open several credit cards in my name.

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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MT).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I never completed a Chapter XXXX bankruptcy ; and there 's no reason it should even be on my credit report. I was told this would never show because I never actually paid anyone anything ; and never filed this to begin with. This should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Checking or savings account (Savings account) with DISCOVER BANK (DE).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I received a solicitation to open a new account at Discoverbank. The solicitation was offered as a result of my family 's ties to the XXXX XXXX XXXX XXXX XXXX ) It 's my recollection that I received the offer in early/mid XXXX to open an account. I submitted the application in mid/late XXXX. In return for opening the account and meeting three criteria, Discoverbank promised to deposit a {$50.00} " bonus ''. The three criteria were : ( 1 ) insert offer code = XXXX on the initial application, ( 2 ) make a deposit of {$500.00} or more and ( 3 ) keep account open and in good standing for 60 days. I confirmed with Discoverbank representatives on several calls that the conditions were met, including a call that occurred on X/X/17 ( date > 60 days since initial application completed ).
The representatives were professional. However, over a series of calls, representatives tried to appease me by saying the {$50.00} bonus would likely be received at any time - but they didnt know. It was just a guess on their part. On XX/XX/XXXX, the representative submitted a " dispute '' on my behalf, which I assumed initiatied a series of processes which would cause some " backoffice '' personnel to research the reason my {$50.00} wasnt deposited. Despite 3-4 calls over the next 3 weeks, including a final call on XX/XX/XXXX, no bonus has been deposited. I selected the final call to be XX/XX/XXXX since Discover committed to completing their research within three weeks of the initial dispute n XX/XX/XXXX. In summary, I 've come to realize that the promise to deposit {$50.00} may not actually happen. The representatives promise to call me back but their failure to do so indicates to me that they dont have answers and dont want to ( or ca n't explain ) why the {$50.00} has not been deposited. I have deceived. The offer succeeded in getting me to open an account but did not deliver on its promises to submit the bonus payment. I do not feel like I have any recourse to get my money since I 've invested several attempts to resolve the situation ... ... and I failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I finished XXXX school in 2008, straight after XXXX, right into the recession. 

I had a 2 year forbearance, and then did 4 years or so of income based repayment. The IBR barely covered the interest on my loans, but I had been told by XXXX XXXX XXXX ( XXXX XXXX at that time and XXXX ) that as long as I was in IBR I would qualify for Public Service Loan Forgiveness. I called multiple times for information and was *never* told my loans needed to be consolidated for that to happen. 

I also talked to government officials, who did not relay that information to me. And the resources online, at that time, were very unclear about how the process would work. 

I was failed at every step of the way by government, and especially by the student loan companies. 

I should now be on my way to loan forgiveness, but because of either ignorance or willful misinformation, I am not. 

I found out about 3-4 years ago the payments I made had n't qualified because my loans were n't consolidated. By the that time, with my new salary, my loans would be paid off under a standard 10 year plan anyway, so there was no point in going for PSLF. 

In addition to that major issue, XXXX XXXX applied late fees and incorrect payments numerous times to my accounts. They also did n't process my requests for forbearance or income based repayment in a timely manner and I had to follow up multiples of times.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Deposits and withdrawals

Complaint: A thief stole almost {$10000.00} from our checking account at Citibank by impersonating my wife with a fake ID and cashing XXXX forged checks against our balance at XXXX different branches in late XXXX / early XXXX of this year. Citibank notified us about the fraud, so we went to a local branch where we signed an affidavit stating we were n't involved in this scheme and provided all the information required for Citibank to process this claim. The branch manager, with whom we met for about two hours that day, told us Citibank would credit the stolen funds in a matter of days. It 's now been almost a month since then and Citibank has n't restored the money to our account. Now they 're saying their investigation could take up to 90 days because of the nature of the fraud, with no ETA on when or even if we 're going to get our money back. We think it 's wrong that Citibank is withholding this money, which we need, when the only reason why it 's missing is due to their lax and negligent security safeguards and practices. For example, apparently Citibank made no effort to verify that information on the fake ID used by the thief, such as my wife 's date of birth, was correct. Citibank also instantly cashed the XXXX forged checks which apparently were checks from closed or non-existent businesses whose accounts either never existed or were no longer open. Citibank did n't bother to verify if these checks the thief presented to the tellers were valid and legitimate before handing over almost {$10000.00} in cash from our account to a criminal. In addition, Citibank should have flagged these transactions as suspect the moment the thief tried to pull them off because we 've had this checking account for almost 20 years, and we never conducted such a transaction, namely showing up with XXXX checks issued to us by XXXX third parties, and cashing them right then and there. We want Citibank to acknowledge its failure in protecting our money from this criminal and credit the stolen funds to our account immediately.

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 10-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I sent out a certified letter to XXXX and they responded with the attached letter that they are not reporting my account to any of the bureaus. Please remove this account as per the attached letter.

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 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX reported a failure to pay on my auto loan in XXXX of 2016 even though I have made payments continuously made payments throughout my bankruptcy case and up to the present. They have also reported my account as closed when it is still open and I am still paying the note every month. I do understand that reporting is stopped once the account is taken into bankruptcy, however XXXX is still receiving regular payments from me so I should get something for that.

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 02-04-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: mrc receivables too me to court over a debt. The agreement when I paid the debt was that it be removed from my credit report. This was in XXXX 2009. I paid the debt owed. Upon checking my credit report this debt is still on my report. I have called several times and sent several letters requesting this be taken off of my credit report. Mrc states they are not reporting to the credit bureaus which is correct. They have reported to our district court and will not provide me or the courts the documentation to remove this from my credit file. I have made all attempts at resolving this and they will not respond or tell me something is in the mail and I never receive it. This debt is also more than 7 years old from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Money transfer, virtual currency, or money service (Virtual currency) with TD BANK US HOLDING COMPANY (NY).
Issue: Other service problem

Complaint: Saturday XX/XX/XXXX and Sunday XX/XX/XXXX trying to link my TD Bank Account to my XXXX XXXX cyber currency account and perform a test sell. The cyber currency needs to be liquid to be viable.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased a home XX/XX/XXXX. It went into foreclosure XX/XX/XXXX. The home was originally purchased with cities residential. The the loan was sold to homeward. The eventually ocwen. At one point I had all XXXX loans showing on my credit with out the " transferred '' note\status. Through multiple disputes with XXXX and allow time to take place, XXXX of the XXXX loans were removed. The only loan that remains is ocwen. Ocwen is still reporting I think this is incorrect because of the time/duration that has passed since the loan inception from when the property was purchased XX/XX/XXXX Or When the last payment was made XX/XX/XXXX or when ocwen took over which was XX/XX/XXXX. All of these durations exceed 7 years. Ocwen is reporting to Equifax correct information and even though I keep disputing and keep trying to resolve with ocwen. No progress is being made. My credit has dropped significantly in the last 60 days and I believe it is due to ocwen. Please help me. The home is already sold so the amount due is incorrect as well. The address to the property is XXXX XXXX XXXX XXXX PA

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX, 2016 To whom it may concern 1. I attest that I am the author of all verbiage within this complaint. On my XXXX and Equifax reports I have accounts in collection, XXXX on Equifax and XXXX on XXXX. 

2. This complaint is based on XXXX, XXXX, and Consumer Reporting Resource Guide reporting standards, and specifically how EQuifax and XXXX are reporting this data within my report. 

3. XXXX XXXX XXXX and XXXX XXXX XXXX are debt collectors, file standards, and laws, prohibit XXXX to report debt collection efforts as Credit Grantor Tradelines, as they can not extend credit to me, or any other individual. 

4. XXXX file Specifications, indicate that they can ONLY report a COLLECTION/RC/Factoring Account Type, that is either in a PAID or Unpaid Collection pay status. 
Account Type Codes XXXX -- Collection Agency/Attorney XXXX -- Returned Check XXXX -- Factoring Company Account ( includes Debt Purchasers ) 5. All other report attributes are intended to be used by Credit Grantors, who enter into a contract for payments and then to report such payment history. 

6. XXXX, is designated as a " Open/Installment/Revolving '' ACCOUNT TYPE and can not be as this data is not expected to be sent by a debt collector on this industry standard file, and is in fact reporting as a Factoring Account and is included in my XXXX. 

7. XXXX and XXXX accounts have a PAY Status of past due, and can not according to XXXX - as this data is not expected to be sent by a debt collector on this industry standard file. I have never been late with XXXX nor XXXX 8. XXXX account on EQ is reporting a creditor classification of " RETAIL '' and can not, as this data is not expected to be sent by a debt collector on this industry standard file 8. XXXX account on EQ has a pay history, and can not - as this data is not expected to be sent by a debt collector on this industry standard file. I have never paid them anything nor ever agreed to. 

9. XXXX account is Medical and should be labeled as such. 

I request that these erroneous accounts be deleted from my reports and not reinserted as they have been damaging to me in monetary ways. I have been denied acredit due to these accounts showing as open/late, when in fact if they were showing as collections on both EQ and XXXX as per their sample reports show I would not have such a low score. 

I will be forwarding this complaint to EQ, XXXX, XXXX CFPB and to the involved Collection agencies as these procedures are illegal under the FCPA and FDRA. 

THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: TransUnion has not corrected the records as per my request in # 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 06-11-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing , LLC misappropriated my payment from Monthly Bi-Weekly Administration which was recorded on my credit score with XXXX as delinquent. I have called them numerous times to remedy this with no luck. I have a letter from them stateing that it was all taken care of but it still appeared on my credit score. They have even sent me a Notice of Assignment, Sale or Transfer of my mortgage Loan. They admitted that they were at fault but it still is n't fixed

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Vehicle loan or lease (Loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: In XX/XX/XXXX USAA restricted my online access to all my accounts including my auto loan. At the time I was signed up for online billing, however after my online access was restricted I requested physical statements be sent to me immediately, as my auto loan was auto paid from my usaa checking account which USAA subsequently closed. I was told by agents of USAA they would send me the statements over 12 different times. However, as of XX/XX/XXXX over two months later I have yet to receive a single statement. Furthermore, I am unable to access the statements online, thus have no documentation showing what I owe, where and when to send the payment. Most recently I spoke with XXXX from the CEO 's office who informed me I would not be charged a late fee, and nothing negative would be reported as long as it did not go 30 days past due. The loan is already 15 days past due and I still have not received any statements. Even if the statement were to be sent out today there would be no grace period between when I receive the bill and when it is due as required by the fair billing practices act. For some reason USAA has refused to provide me with billing statements for this auto loan, and has refused to allow me access to it online. Furthermore, I get calls every day at XXXX XXXX now telling me it is past due and needs to be paid immediately as it 's past due. Yet they are unable to send a statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/26/2018 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 made a purchase at XXXX in XXXX, GA in XX/XX/2017. The store clerk persuaded me to apply for a XXXX card to get a special discount on my purchase. After a few weeks I realized, I hadn't received the card or bill, so I called XXXX and discovered they had the city of XXXX for my address. The receipt for my purchase however had the correct city of XXXX, GA for my address, so I have no clue why my card application was processed with an incorrect address. Anyway, XXXX corrected the problem, refunded all penalties and interest, and I immediately paid the bill in full. When I asked about the impact on my credit report, XXXX assured me it would be cleared up after 30 days. At this point, only Transunion is refusing to cooperate. My credit score from TU is 100 points lower because of this payment which was originally reported as late. I have tried to dispute this transaction with TU, but they keep over-ruling my objection because the information is technically accurate. The space TU has allocated on their dispute site wont let me enter this much detail, but this is clearly the creditors mistake and TU is failing to investigate the matter properly. This payment should not be affecting my credit rating as it has nothing to do with my ability or willingness to pay my obligations promptly

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 01/27/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I submitted a dispute several times to Equifax in regards to XXXX Mall account appearing on my credit report incorrectly. There are two accounts listed around XX/XX/2016 I started disputing the two accounts because they were reporting inaccurately. I submitted dispute after dispute with records to match my dispute from the said creditor. Equifax finally updated one account and left the other still reporting inaccurately. I received a letter today again stating the information was verified as being reported correctly when in fact it is not. They are in violation. I sold the vehicle back to the dealer XX/XX/2016 the balance was zeroed out on the account. Still it is being reported as if I own the vehicle and not making timely payments. I have sent certified letters to both the creditor to update the info and to Equifax to delete the incorrect info and stop furnishing it. It is ruining my credit and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Someone opened an account in my maiden name with my social security number in 2005. 
I am now getting collection calls in reference to this account. This account does not appear on my credit record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: tax lien from XXXX county has wrong address and phone number. its impossible to verify the debt as valid. the phone number reporting on file is a phishing number and the address on file is invalid. had a proper investigation been excuted, the phone number on file for XXXX county courthouse and address would have presented a red flag to the credit bureau as it did with XXXX and 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 non-monetary relief
Consumer complaint received 11-05-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX has updated the records as PAID IN FULL no charge off or any collection. NO settlement at all. i cant understand why they are not changing the records on the report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief