milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/20/2015 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have ID Theft on my XXXX credit card # XXXX, was fraudulantly charged XXXX different transactions down in XXXX California, XXXX miles away while I was at work, on the week of XXXX. I filed XXXX fraudulant charge claims through Wells Fargo Bank on XXXX via phone. On XX/XX/XXXX Wells Fargo Bank rejected my claims even though I submitted them Police Report, my proof of at work from my employer. I 've to appeal my case, and now still pending. My complaint is why I was responsible for the XXXX fraudulant charges, and where 's the zero liability coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Mortgage (FHA mortgage) with Fay Servicing, LLC (IL).
Issue: Struggling to pay mortgage

Complaint: I have emailed my clients account manager 5 times with the third party with no response. When I attach it here you say I am not authorized. I have the Fay Servicing third party that is on your website filled out. I will attach it again so please open the attachment. Who or where do I sent this third party authorization to?

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (VA).
Issue: Managing the loan or lease

Complaint: I have a loan with One Main Financial, which I will never do again. When I paid in XX/XX/2016, the amount due said {$200.00}. This is a cause I overpaid in XXXX so my payment due was less than the regular amount. That payment cleared but within a week my account showed a past due amount of almost {$600.00}. I have asked repeatedly for something to be sent in writing explaining this drastic shift. I have received nothing. Suddenly my account shows a returned payment from XX/XX/2016, two months prior. This makes no sense. Further, I have told One Main to cease all calls to my work, as I am not permitted to have them call my work number, and they continue to call. I will receive a call and voicemail on my work number and, within minutes, a call and voicemail to my mobile. Why they keep calling my work number when they have been told to cease, I can not say, but there was a time that they would ONLY call my work number and not my mobile. They have also called my employer 's main number, a number they were NEVER provided, instead of calling my direct line. Since last telling them to cease calling my work number, which was approximately two weeks ago, or less, I have received no less than seventeen to twenty calls and voicemails to my work number. This is not the only time I 've told them to stop contacting my work number, but they are rapidly nearing the end of my rope. I feel that their loans are predatory and that they are now harassing me with their incessant calls, ignoring the information that I have asked be sent to my mailing address, and calling a number that I have told them to STOP calling daily, including Saturdays. This needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have contacted XXXX XXXX several times about missing information and inaccurate credit reporting. I have 3 credit cards - XXXX XXXX, XXXX XXXX, XXXX XXXX. These credit cards are not being reported on my credit reports. The credit cards that are being reported, the balance is incorrect. Each credit card has an estimate balance of {$500.00} each. XXXX XXXX is reporting {$2000.00} balance on each. I want all three credit cards to be reported to all three credit bureaus- XXXX , XXXX and TransUnion immediately and the correct balance owed. This unfair reporting is delaying me from receiving the loans and proper interest rate that I deserve.

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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I put an fraud alert on all  XXXX  credit reporting agencies because I did n't authorize any of the following inquiries. I sent letters to the credit agencies and also the company in which inquiries where pulled from and they still remain on my credit report.             XXXX   :  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX    XXXX    XXXX  BANK  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am a senior who went to XXXX in XXXX GA on XXXX/XXXX/16. My insurance paid their portion and my portion was {$84.00}. I paid the bill in ( 3 ) parts as follows to XXXX GA via money orders from XXXX XXXX : 1 ) XX/XX/<YYYY> {$40.00} ; 2 ) XX/XX/<YYYY> {$20.00} ; 3 ) XX/XX/<YYYY> {$24.00} On XXXX/XXXX/16 I received a transmittal from TransWorld Systems saying that I had a balance of {$24.00}. On XXXX/XXXX/16 I received another notice from TransWorld for {$24.00}. My calls do n't do any good, both to XXXX XXXX or TWS. I am afraid that both entities will report negative information resulting in harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Debt collection (Medical) with AR Resources, Inc. (NY).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Today one of the representatives called me while I was at work and was very rude on the phone. I let him know that the whole situation will have to wait because I 'm at work and he told me it could n't because it affects my credit. After that he started talking over me as I was speaking to him explaining I ca n't continue on trying to figure out this how to fix the situation. Things escalated and I ended up having to hang up on him because he was still rude to me after I explained to him he is not supposed to be talking to anyone like that especially as someone who works in an office. I feel harassed and he was being manipulative and I do n't appreciate that. On top of that I also explain to him about how my medical insurance already paid out what they could and sent an explanation of benefits to the hospital and if he needs to talk to my medical insurance than he should. He wanted me to get them on the phone with him in a 3-way call which I did n't have the time for. He was very rude to me throughout the whole conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been in REPAYE ( or something similar for years ). The last two years, Great Lakes Borrowing service has failed to re-enroll me timely in those programs. This despite me providing all necessary information ahead of any deadline ( this year, it waXXXX XXXX XXXX 2017 ).
This year, on or about XXXX XXXX, 2017, I provided my wife 's changed income as well as notice that she would no longer be employed in XX/XX/XXXX. I did this in order to complete my renewal request. At the request of Great lakes, on or around XXXX XXXX, 2017, I provided more documentation to support my income. They confirmed receipt of this documentation, which I also uploaded to their website. Despite my timely application and submission of documentation as requested, Great Lakes is now telling me over 2600 per month is due ; well beyond what should be due under the REPAYE program ( and significantly higher than the 400 or so dollars i was required to pay last year, when making MORE money. Again, my wife is no longer working AND we are also expecting a child / another dependent ). Great Lakes has caused anxiety and distress due to their poor handling of my debt and debt issue. I would like any and all information regarding recourse available please. May i file suit through the CFPB? NOTE 1 : having to put my loans in forbearance costs me money. and I believe I also lose the forbearance option after so much time. Concerning, if I really needed it.
NOTE 2 : Last year, on or around XX/XX/XXXXor XX/XX/XXXX 2017, the same issue occurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a public record on my credit report that has not been verified correctly. 

The courthouse does not provide or furnish information to credit bureaus. Therefore, the public record needs to be deleted from my credit report 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 10/13/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A number starting with ( XXXX ) XXXX calls me every single day multiple times a day starting from XXXX XXXX until XXXX XXXX  The last four digits of the number are always different. They have called me every single day for the past 8 days in a row. When I answer, nobody speaks. I have sat on the line for 90 seconds just to see if an automated system message would begin but it never has. Its just silence. When I call the numbers back, its always the same voicemail You have reached Trans World.. but nobody ever talks when they call. I feel harassed and a little unsafe as I do not know if this is a scam or not. I have told them multiple times to please stop calling when I answer the phone but Ive never gotten a response and they continue to call. When I XXXX it, trans world comes up as a collection agency and I do have an eviction in collection for {$1400.00} so Im not sure if this is related or a scam. Please help!!! This is getting very aggravating. I cant block the number because the last four digits are always different

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (Medical debt) with Debt Recovery Solutions, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Debt collection (I do not know) with First Data Corporation (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: TeleCheck declined a check written to XXXX XXXX on XXXX XXXX, 2016 there was no reason for decline since my account had the funds necessary for the purchase. They now want be to send them an extra {$25.00} fee. TRS Recovery sent me a letter stating that telecheck has purchased the dishonored electronic fund transfer. They want me to pay with a debit card now. I have not been able to talk to a person but I faxed them my response to this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have paid accounts and I have differed loans that were settled. I also have medical bills that were paid that are still showing on my credit report

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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
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: In a recent dispute XXXX XXXX, Sr. Consumer Relations Specialist from Equifax , said that the following accounts were verified.XXXX XXXX XXXX XXXX regarding accounts XXXX, XXXX, XXXX and XXXX how is this possible? What was your method of verification. Please send me all documents used to verify these inaccurate accounts, I have no record this information. Please delete these account because they reporting inaccurately affecting my creditworthiness. I am the process of trying rent an apartment for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Settlement process and costs

Complaint: I re-financed with XXXX Bank, from Bank of America, on the last day of my 70 day rate lock XXXX/XXXX/15. Bank of America ( former mortgagor ) representative showed up an hour late, without proper documents. I was forced to pay title company an additional {$550.00} because of this. Bank of America had 70 days to locate my documents. Bank of America should be responsible for this cost. I already paid this title company {$3200.00} in fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am behind on my mortgage due to XXXX XXXX XXXX and it 's complications. I have been awarded Social Security XXXX, and have notified my lender of such. I am working with XXXX XXXX XXXX at Bayview Loan Servicing , LLC and he is aware of this. He and I are going to work with Keep Your Home California to modify my loan AS SOON AS XXXX PAYMENTS START XXXX/XXXX/2016. I have repeatedly offered to send XXXX XXXX copies of my Award Letter showing that my payments start on XXXX XXXX, 2016. He has refused, saying that he can only use a bank statement showing my first deposit. In the meantime, Bayview has started foreclosure proceedings through XXXX XXXX. I called XXXX XXXX and he said they were " just doing their due diligence, not to worry ''. In the meantime, I called XXXX XXXX and was told that XXXX XXXX gave me the wrong information. They said XXXX XXXX should talk to his legal department to have them rescind the foreclosure. I called XXXX XXXX and asked him to speak with his legal department and he refused, saying that " Everyone has a story, I ca n't call them on each and every case ''. I again asked to fax him the XXXX paperwork showing my award and first pay date. He flatly refused to accept them. Fortunately, XXXX XXXX has stated that each call is on a recorded line. I also recorded our last conversation on my end, in case his recordings get lost. I am also attaching a letter that I am faxing to XXXX XXXX. They told me they would send it on to Bayview Loan Servicing , LLC

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Payday loan, title loan, or personal loan (Title loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IN).
Issue: Problem with the payoff process at the end of the loan

Complaint: My husband XXXX XXXX XXXX XXXX 2017 after this happened I sent the appropriate documentation to the loan office which is OneMain Financial used to be called Springleaf Financial I was then told that my husband had credit life insurance and then it would cover the remaining balance of the loan and I would be mailed the titles to the vehicles. However when I asked XXXX the branch manager XXXX in XXXX office he said that he could not give me any documentation he was rude to me gave me the run-around and told me I need to get a court order to get documentation all I wanted was to handle my husband 's affairs I feel like they were unprofessional did not answer my questions I would like his account investigated and looked upon because I am doubting the accuracy of the numbers since this this loan was just modified XXXX and I 've been making numerous payments I 've been and I 'm wondering why I can not get his file nor get answers I want to look into and if needed I would like corrective action taken to anyone who has been doing unethical things on behalf of my XXXX husband and if I 'm owed money or it needs to go to an account for a trust that I want it I want to be notified. 
I believe that there is money due back to the benefactor which would be me next to XXXX please look into this matter of the utmost importance.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Debt collection (I do not know) with Conn's, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I HAVE A FURNITURE ACCOUNT WITH CONNS AND THEY ARE CALLING REPEATLY ON MY CELL PHONE AT LEAST10 TIMES A DAY PLUS. THEY DONT WAIT 30 MINUTES IN BETWEEN THE CALLS. IT IS ANNOYING FOR THEM TO CALL THAT MANY TIMES IN AN HOUR. THIS IS A VERY STRESSFUL TIME IN MY LIFE WITH JUST STARTING A NEW JOB. MY PHONE WILL BE IN MY DESK AND EVEN ON VIBRATE YOU CAN STILL HEAR THE VIBRATION OF THE CALL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HCFS Health Care Financial Services, Inc. (KY).
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 recently pulled my credit report and discovered that a collection agency ( XXXX XXXX XXXX ) was reporting against my report and indicating that I had a debt which in fact is not my debt. I contacted  ARs and they informed me that they are were not reporting information on me to XXXX. They claimed that XXXX is wrongly matching their record to me. So i contacted XXXX and they opened a disputed case for me with ARS. XXXX claimed that they only report what ARS submits to them. ARS says that this type of matching mistake by the reporting bureaus is common. The disputed item was removed but now it has reappeared on my report. I find XXXX unwilling to even discuss the possibility that they are matching to me by mistake. they also are not very cooperative when i have called them by phone.

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 05-11-2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experien Refuses to investigate and provide documentation of such for XXXX accounts that are past the date of first deliquency. Information in thier records is inaccurate. I have attached a copy of a previous credit report I obtained from Experien showing that they changed information they had on file. They have carelessly ignored my requests to remove these items. I have attached copies of XXXX accounts.

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 08-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I tried for a few years to lower my student loans.i was in a work accident a year and half ago, I tried getting my payments lowered but I did not have any taxable income because I was getting workers compensation.so I had to do another forbearance..And now I am trying to do a hardship, and I mailed them application and my tax information because I do n't have a computer to print out pay stubs..i tried many attempts in the past to lower my payments with no luck..i complaint to department of education and they wo n't help me.. Since I could not afford the payments and no body will help me then I ca n't pay them..Navient is a scam and dept. Of education does not care.. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Bank account or service (Checking account) with STATE EMPLOYEES CREDIT UNION (CO).
Issue: Deposits and withdrawals

Complaint: Someone stole my check book, wrote themselves multiple checks, forged my signature, and cashed the checks worth {$6000.00}. I filed a police report, printed out the fake checks, and gave them to the bank so they can pay me back the money taken from me. It has been a year and a half, nothing has happened.

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