milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2017 about Student loan (Non-federal student loan) with SLM CORPORATION (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On XX/XX/XXXX I checked my bank account and noticed that Sallie Mae had taken out XXXX of my bank account and they were not authorized to do so. I called them immediately and they told me it was an accident and not on purpose and it would take 3 to 5 days for a refund. It took multiple phone calls on my part to get this problem taken care of and I was treated poorly throughout the entire process. I do n't know how anyone takes out over 2 grand on accident. I ended up getting my refund a week later and was thoroughly stressed throughout the whole situation. I am a hard-working single mom and this was just unacceptable I know people make mistakes but that caused me to not be able to pay bills and pay for other daily essentials. Fast forward to XX/XX/XXXX I check my bank account and I see that Sallie Mae again took out money from my account XXXX. I did not authorize this transaction either and I am completely frustrated with this company for their mistakes that they have made. I am writing to you to inform you of how poorly this company is ( Sallie Mae ) and what customers of them have to deal with on a day to day basis.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/26/2015 about Payday loan () with ACE CASH EXPRESS, INC. (NM).
Issue: Payment to acct not credited

Complaint: On XXXX XXXX, 2015 ACE CASH EXPRESS withdrew the final payment on a loan I had taken out with them with a 6 month repayment plan. The payment went through fine and there were adequate funds to cover it. Two weeks later ACE CASH EXPRESS began calling me non-stop, stating that the payment had been returned by the bank because of insufficient funds. I checked with the bank multiple times and this turned out not to be true- the statements show the payment cleared. When I informed the lender of this they told me I had to prove it and have continued with harassing phone calls and demanding money telling me it had gone to collections. In order to stop the harassment I sent in an extra payment. Please note this lender also provides borrowers with no documentation of their loan, no online account access where you can see how much you have paid and owe and so on. Borrowing from ACE CASH EXPRESS is dangerous for consumers. I have attached my bank statement showing the payment went through successfully on XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Loan modification,collection,foreclosure

Complaint: My home was started in a foreclosure process that was stopped by Wells Fargo Bank. # XXXX. Wells Fargo had been found guilty in The State of California for a loan called pick-a- payment which a ruling by The Department of Justice found unfair to persons who had this type of loan.After agreeing to stop all actions against me and my house being listed and sold by XXXX , XXXX , XXXX continued to damage me to the extent of my not being able to get a loan for a home or equity line with XXXX XXXX.My house was paid off in full and went through XXXX.The closing was on XXXX XXXX. Wells Fargo Bank @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX.Wells Fargo also never advised me of The agreement with The State of California. Now comes XXXX, XXXX, and XXXX giving foreclosure a new name. Attempted foreclosure well attempted is not foreclosed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: my account is in error which is reporting 30 days late for XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Gatestone & Co. International Inc. (GA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I have been contacted by this number on several occasions regarding an XXXX XXXX XXXX bill that I owe. While I know the debt is legitimate and have all intentions of paying it off as soon as I can, I do n't think the caller should have the right to talk to someone so rude and disrespectful like they have been to me. When they call they ask for me by name and want to verify my address, I will ask them for their company name and they will not disclose it. The next time they called they did but did not state who they were or anything. When I asked who I was talking to and what company they were with, the lady got extremely rude with me and very argumentative. The person I talked with was XXXX XXXX. They talk very vague and almost come across as a scam. I will NOT be paying my debt thru them but I will pay it thru XXXX XXXX XXXX which is the original party to whom I am responsible for paying. Their debt collectors [ the rude company ] need to learn to show respect to their callers versus being rude and ugly to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2017 about Mortgage (Conventional home mortgage) with MB FINANCIAL, INC. (GA).
Issue: Struggling to pay mortgage

Complaint: XXXX  XXXX /2017 called to order a short sale package informed the customer service rep that I was actively trying to sell my house with a realtor.
 XXXX / XXXX /2017 called back to ask for another short sale package never received the first one.
 XXXX / XXXX /2017 my realtor and I called in on a conference call because the package received was for a loan modification and I told the CSR that I was unemployed and that we were actively showing the house to sell it. The CSR confirmed that if we sent that package in for a loan modification that the foreclosure would be put on hold to allow us time to process that request in the hopes of securing a buyer.
 XXXX / XXXX /2017 loan modification was faxed over 135 pages completed the checklist of documents requested.
 XXXX / XXXX /2017 we received a full price offer enough to pay my loan in full. My realtor and I called the foreclosure attorney to make sure that the foreclosure had been put on hold and we were told the house sold to a 3rd party at foreclosure on  XXXX / XXXX /2017  XXXX  at the law office told us to contact MB Financial Mortgage and let them know we had a full price offer to pay the mortgage in full. We called and  XXXX  at MB Financial Mortgage verified that the documents for the loan modification were received and they were missing 5 pages so my realtor sent them to her immediately and  XXXX  confirmed she received them.   XXXX   proceeded to inform my realtor that she would ask her supervisor to " Reinstate the loan '' and she would send an updated payoff. She informed my realtor that the reinstatement of the mortgage was APPROVED to continue with the sale of the house! An hour later my Realtor had the purchase and sale agreement executed.
The buyer has proceeded with an inspection {$400.00} and Appraisal {$550.00}.
 XXXX / XXXX /2017 My realtor called MB Financial Mortgage and spoke to 4 different people over the course of 2 hours and was told that they will not reinstate the mortgage she even spoke to a Vice President of the Mortgage Company and he refused to help also. My Realtor 's attorney and the Mortgage Company 's attorney have both confirmed that they have up to 30 days to rescind the 3rd party sale and reinstate this mortgage so we can pay it off in FULL on  XXXX / XXXX /2107.
I am begging you to put this at the top of the list as we are about to lose this buyer. My realtor could face punitive damages for listening to   XXXX   and MB Financial Mortgage promise to reinstate this mortgage. I appreciate your prompt attention regarding this very urgent matter

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 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: Information belongs to someone else

Complaint: My First letter was noterized and sent via certified mail on XX/XX/XXXX and Another letter sent notarized via certified mail XX/XX/XXXX and Please be advised this is my 2nd written request to the credit bureau and reporting agencies and the unverified items remain my credit report violation of federal law. It is understood that under the FCRA They are required to have a copy of the original creditors documentation on file to verify the information is correct and is mine as results to the 1st investigation they stated in writing that they verified these items being reported correctly When I inquired who verified these accounts or how they were verified I was met with extreme condensation and attempts at intimidation The investigation took longer than allowed they have not provided me with a copy any original documentation, signature, or contract nor any results of the second investigation supposedly conducted required under section 609A1A and section 611 5A of the FCRA which requires them to promptly delete all information which can not be verified. now the laws very clear on the civil liability and the remedy available to me for negligent noncompliance also in section 617 if they fail to comply With the statute therein. In attempts to verify some incomplete and inaccurate data on my files they have manipulated my information to match these accounts which I was a direct witness to in and in reply they said they were just doing their job which was quite disconcerting to me knowing that this data is inaccurate and has been proven thus forth.

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 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX  -fraudulent  XXXX   XXXX   XXXX - XXXX -fraudulent  XXXX   XXXX  fraudulent    XXXX   XXXX    XXXX -wrong in formation never late account in forbearance.

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 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I went to XXXX university in XXXX ca. I 've been paying my loan for almost 13-15 years and it 's taking a toll on my financial life and I did not gruaduate from XXXX university. When I decided to go back I was told after 5 years I would have to start over again and that was n't an option for me due to the loans would double now I 'm stuck paying this loan. I 've called navient and tried to at least decrease my payment they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage through Wells Fargo. After several months, I saw an offer from their website saying I could obtain " significant '' savings on interest and cut years off my mortgage by changing from monthly to biweekly payments. I elected to do so, and only months later did I learn that the bank merely holds the first payment and does not apply it until the XXXX payment arrives. I was led to believe that payments had to be applied when received. I sent them an email saying I believed their practice is deceptive at best and predatory at worst. The question is, is it legal for them to do so? Is it legal to do this without proper disclosure? I requested that they retroactively apply my XXXX biweekly payment each month to the mortgage on the dates they are received. They refused. I spoke with an officer at another bank who said doing so is " common practice '' in the loan industry. If so, and if it is legal to do this without disclosure, then please ignore this complaint. If not, then I wish merely to have my payments applied as of the dates received and a new amortization schedule sent to me. Aside from this, I am quite satisfied with my bank. **Please note that on XXXX XXXX, XXXX XXXX sent me a letter fully explaining that the biweekly ( " partial '' ) payments are withdrawn from my bank account and placed into an " unapplied funds account '' until the " full monthly payment '' is received. XXXX sent me a new amortization schedule as well. Further, she said the bank is placing a " XXXX-day hold on any negative credit reporting '' for my account to ensure no " adverse information was sent to the consumer reporting agencies while we researched your concern ''. The wording sounds like a potential threat that the bank could ( if it so chooses XXXX send " adverse information '' to the credit reporting agencies because I sent a " concern '' their way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: for three months TransUnion has not been able to give me credit score

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 10/18/2016 about Bank account or service (Checking account) with CHARLES SCHWAB CORPORATION, THE (FL).
Issue: Using a debit or ATM card

Complaint: Legitimate Real Estate Agent XXXX XXXX XXXX contacts me and says he has a buyer for my XXXX timeshare. He says I have to send a cashiers check or postal money order to XXXX XXXX XXXX, a title company in California to have the title search report done on my timeshare. I send XXXX via Postal Money orders off my debit card to XXXX and as soon as I do this, I get another email from XXXX XXXX saying there is a problem and he needs to send a courier to me to sign the documents in person and then I 'll get my money. When I try and call him or email him, all phones are turned off and XXXX is now off the " Online XXXX '' which I later find out is fraudulent in and of itself and I 'm out my money. I file fraud complaint with Charles Schwab Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: THE XXXX HOSPITAL BILL WAS SETTLED IN XXXX 2015 AND IT IS STILL ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Payday loan () with Thomas & Williams LLC (IL).
Issue: Can't contact lender

Complaint: I received a call from a company, XXXX XXXX, stating that I owed a payday loan that I never took. I did look into one years ago, but the fees were outrageous and I did n't finalize anything. They stated that it was my responsibilty to prove I did n't take it and that the fact that they had my information was enough for them to prove I did. All I have is a phone number for them, XXXX and after searching online, I found that they are doing this to alot of consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (Medical debt) with Suburban Credit Corporation (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Suburban Credit Corporation has inaccurately reported a debt on my credit report. On my initial dispute, I advised them I have NEVER been a patient of XXXX XXXX. However, they REFUSE to close the account. My credit score is damaged because of this FALSE debt. How can I be taken to Collections by XXXX XXXX if I have never been a patient? Also, I am have Health Insurance. Please investigate this irresponsible reporting by XXXX. It damages my Credit Score and they simply are not doing their job such as ACCURATE reporting. Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CIT BANK, NATIONAL ASSOCIATION (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I dont have dates but many companies are running my credit without my permission and adding a lot of inquiries on my account and is messing up my credit

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please help. I am so frustrated that this continues to occur and XXXX indicates they can't help me. They refer me to call Citibank and Citibank tells me they sent my information to the fraud dept. I called three times to XXXX over time and a new rep told me to write Citibank in SD and request deletion of the items on my credit report. I did that in XXXX and still no change. I have two alerts on my credit report that are not mine. 

Both from Citi CBNA, XXXX XXXX XXXX XXXX XXXX SD, business type " na '' and account status/type is " Consumer Disputes after Resolution ''. One on XX/XX/XXXX in the amount of {$2900.00} and one on XX/XX/XXXX in the amount of $ XXXX of these are mine! Someone is trying to use my information and I can't get this off of my report. I ask for your assistance. PLEASE..I have/had outstanding credit for my entire life. I do not want this fraudulent activity reflected on my account.

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 10/13/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other

Complaint: Currently work is going to cut my hours. I work for a general contractor and we didnt expect it to get slow. Nobody does. I called capital one since they are my credit card provider for XXXX accounts and let them know. I basically wanted some type of help. The only program they offered me was for 3 months they would waive my fees, but interest will still accumulate. The only advantage to the program is if I paid my payment late I would not get a late fee, but everything would still be reported to the credit bureau that I was past due and they will still be racking up on all the interest. I then asked to speak to a supervisor whos name was XXXX and his advice basically was let the account go past due and give us a call to see what we can offer you then. I am not sure whether this was legal or not, but it did not make since. I have been a loyal customer to them for 5 years and when I needed help it was basically do not pay, rack up fees and interest, and then we will help you. When I questioned XXXX on the fact he told me let your account go past due and then we will be able to offer you programs I was a little upset. Here I am trying to avoid not making payments, trying to work something out with them, and most importantly let it effect my credit and he did nothing to help nor at least empathize with me. We all struggle of course, but being a loyal customer to them I expected better help. I would have never thought to report capital one and I thought about it last night, but it just did not seem right to me. If I am trying to work something out so they see payments coming in I expected there help back instead of just trying to suck out fees from me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Atlanticus Services Corporation (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I checked my credit score and it said I had a new hard inquiry from XX/XX/XXXX. However, I have not given permission for anyone from this institution to do a hard inquiry into my credit report. I would've contacted them but I have no information into it. I looked them up and don't know any service they provide that I would've even considered giving my permission to. Below is exactly what was in my report. 

" XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. ''

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