milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2018 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (AL).
Issue: Trouble during payment process

Complaint: 1 ) TAXES FOR XX/XX/XXXXWERE NOT PAYED! 
2 ) AMOUNTS WITHIN LOAN ARE IN DISPUTE! NEED COMPLETE SERVICE FILE!!! 
3 ) LAST MORTGAGE STATEMENT PRIOR TO THE ONE I RECEIVED FOR THE MONTH OF XX/XX/XXXX, WAS DATED XX/XX/XXXX, NOW I HAVE WRONGFUL LATE CHARGES ADDED TO MY ACCOUNT. FAY DID NOT PROVIDE MORTGAGE STATEMENT FOR XX/XX/XXXX, XX/XX/XXXX, NOR XX/XX/XXXX. BLATANT THEFT AND VIOLATIONS CONTINUE!!! SEE ALL OF MY PREVIOUS COMPLAINTS. 
4 ) PAYOFF REQUEST DID NOT MATCH TOTALS WITHIN LOAN. 
5 ) XXXX FROM XXXX AND FAY DID NOT MATCH TOTALS PAYED ( ONCE AGAIN )!!

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been making student loan repayments to XXXX XXXX for approximately 4 years. I was under the impression that the program/plan that I enrolled in was for those employed in XXXX XXXX jobs. This program was to forgive one 's remaining debt if on-time payments were made over a 10 year agreed term. Each year, I have been required to complete a re-application for the income-based repayment plan. When my re-submission was reviewed for upcoming 2018, I was informed that I was denied. After a number of phone calls yielding little to no information over the course of three months, I was told that I never completed a " employer certification form '' and that the years of monthly repayment may not have been valid toward the plan thus, not making my loans " forgivable '' after 10 years of participating in a program that I thought I was a part of. I was never made aware of the form that needed to be completed by my employers ( I 've been employed in XXXX XXXX XXXX XXXX XXXX during my loan repayments ) until this week. Now, I am expected to make payments for approximately {$600.00} a month verses the {$220.00} that I have been making. This is just completely unreasonable and XXXX has done nothing to assist me. To make things worst, they are giving my wife an even more difficult time with her loans. The expectation of our family paying roughly {$1400.00} a month for student loans for the remainder of my working years is completely unfair and irrational. I have found that a lot of people across the nation have had similar problems with XXXX XXXX. There has to be a better way. I have paid thousands of dollars toward this debt only to see minor dents made in the large sum that is still owed. The interest just seems to keep me in a position of never making in progress -- I 'll be paying on this until I die. This is just crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OH).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I am complaining because CITIbank is not allowing its credit card holders to view their statements online. Over a two week plus period, I have been clicking on view statements through a pdf or otherwise, and the bank continually notes that its system is temporarily not working. In the meantime they send me all types of emails with special offers, etc. Today, XXXX sent me two emails which said I should click on them to view a statement ; instead I received the same message I have been getting for some time that their system is temporarily down. I do not receive this same type of fraudulent service from other banks. Your agency should contact the bank which is clearly keeping information about interest rates and prior charges from customers. Thank you.

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 12/14/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a hard inquiry from XXXX. and havent been in contact with them to get anything it says XXXX this is not accurate idenity theft at its best they should ask security questions before giving out my personal information to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 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: XXXX XXXX reported that I had a history of payments 31-60 days. This was an auto loan I took out for my ex-husband XXXX. I always made timely payments. During our separation/divorce period he took over payments and should have the title and paid it off. If my credit is showing late payments due to XXXX XXXX XXXX, I need to know about this and see if I can do anything about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/24/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The account XXXX, account # XXXX does not belong to me. They have not provided Experian verified documentation to ensure it is me.

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 02-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (RI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have received repeated calls from " TransWorld Systems at XXXX and XXXX regarding a debt owed to a local public college. 

Every time, I inform the person calling that they are contacting me on my cell phone at an inappropriate time. I have asked every time for them to cease and desist calling me, and to send me correspondence via the mail confirming who they are, information about the debt, etc. 

They outright refuse to do so and continue to call me - and speak rudely and unprofessionally over the phone. Even after I explain that I have instructed them multiple times to stop communicating with me over the phone and send me correspondence to my address, they continue to try to ask questions over the phone. 

This company, TransWorld Systems, should be fined and ordered to end these practices immediately. 

Companies that harass consumers and use unfair or illegal practices to collect a debt should be forced to compensate the aggrieved consumer in the amount of the debt they are attempting to collect as a penalty and deterrent against this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently viewed my credit report and noticed that this company has report that I owe them a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: A short sale was commenced on my property with SPS ( Select Portfolio Servicing ). On XXXX XXXX, 2015, ON XXXX XXXX, the bank come back with a counter for the amount of {$270000.00} because the XXXX came back for this amount I tell her that is ridicules because this property is in bad condition. Also, the principal balance + extra charge is {$210000.00} was ridicules because the bank request a height offer them the payoff for this account. 
. 
My hardship is due to a financial hardship being that I 'm currently unemployed and do n't received unemployment benefits. I just have a baby so I now have XXXX kids to take care of. I has very difficult to live this way. I have made every attempt to salvage my home. I ask that you help to resolve our situation. The bank reviewed my file for a short sale and give to us an " Approval letter on XXXX/XXXX/15 we received the 1st Approval for a XXXX Short sale with the same offer of {$220000.00} then they give XXXX extension, but we can closing the property for a Problems with our bankruptcy and then the bank request submit again the file on XXXX/XXXX/15 because they can not give an XXXX extension on the Approval letter. 

Now the bank Request a higher Counter offer for the amount of $ XXXX.This property is in bed condition, please see attached Home inspection need a lot of repairs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (I do not know) with ROC Asset Solutions, LLC (NV).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: On Monday, XX/XX/XXXX 2017 and man by the name of XXXX XXXX called multiple acquaintances and family members of mine, leaving them voicemails with claims that he was calling to resolve " Allegations made against me ''. When he was able to reach one friend of mine, XXXX XXXX, XXXX XXXX identified himself as an attorney. When I called XXXX XXXX to find out why he was harassing my friends and family, he gave false amounts owed and originated on a business loan taken from XXXX Additionally, he gave multiple indications they would be filing a lawsuit against me and indicated different timelines. This individual and company is harassing both myself and my friends & family and is falsely identifying themselves as attorneys and leaving derogatory voicemails indicating that I am facing some sort of legal allegations. His voicemails were ambiguous as to lead one to believe I was facing some sort of criminal allegations. They unnecessarily concerned my friends and family.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My XXXX XXXX XXXX XXXX credit card was lost/stolen and some of the charges and transactions are fraudulent and unauthorized charges/transactions on my XXXX XXXX XXXX XXXX credit card account : 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 11/26/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I received a permanent loan modification on XX/XX/2016 from Bayview Loan Servicing LLC. I made all the trial payments according to the requirements and signed a new loan contract with Bayview which detailed all the financial requirements of the new loan. All financials were provided and detailed and made available. I have been making on going on-time payments since that time. However, I recently received a statement requiring me to pay {$390.00} for a " Rec. Corp. Advance. '' I inquired about this fee and the agent said it was a bill that was due prior to the loan modification. Why was this not included, then, in my loan and made known to me then? I do not believe this bill is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX I paid off a motorcycle with XXXX XXXX a third party agency for Capital 1. The information has yet to reflect on my credit report as closed and paid in full and the title still has a lien. Items that XXXX XXXX said they would take care of with Capital 1. Now over 45 days have passed and I can not connect with anyone for a resolution. This is now preventing me from closing on my new home. Per the information below I am requesting a resolution as balance paid in full on my credit report and the title cleared just as XXXX  promonised. Capital 1 XXXX XXXX Department : Please note that my is name is XXXX XXXX and this is in reference to account number # XXXX for my XXXXXXXX XXXX XXXX XXXX # XXXX  There have been a variety of issues with this account beginning with appropriate information on auto drafts not being deduction never been mailed, lack of notification of past due balance, and there was never an attempt to require the motorcycle. It only became apparent to me when a credit report was run two years ago for a home loan. When I became aware I began making payments to XXXX XXXX and XXXX XXXX XXXX XXXX, under account # XXXX. Since XXXX of XXXX I attempted to get into contact with someone at XXXX XXXX to pay off the balance on this account. It took over three months to get in touch with someone there after I was given the run around day after day. On XXXX XXXX per the arrangement made with XXXX XXXX I paid off the vehicle for {$1700.00}. I was provided the attached letter as proof of payment. I was also advised that Capital 1 would be notified, the title would be cleared, and my credit report would update to show a zero balance paid in full. On XXXX/XXXX/XXXX I attempted to obtain an updated title as I am selling the motorcycle. I was advised that there was still a lien on it from Capital 1. On XXXX/XXXX/XXXX I was notified by my mortgage specialist that they are unable to move forward with the closing on my home as my credit report still reflects a past due balance owed in collections to Capital 1. I am very frustrated as this entire situation has been a nightmare. I have attempted to get into contact with XXXX XXXX and have been repeatedly sent voicemails. A receptionist there advised me it was not their issue that it was now that of Capital 1. This is holding up my cash on hand for my home as well as my closing and it is unacceptable. I expect this issue to be escalated and resolved ; the title should be cleared and the item should reflect paid in full on my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 'm writing to you about dispute the following information that the XXXX XXXX XXXX, AZ. provided to the credit reporting companies. The information is incorrect. I do n't have a tax lien against me. Here is a copy from my credit report showing that I have a tax lien against me, and showing on my credit report. I 'm requesting that they remove from my credit report companies such as TransUnion, XXXX, and others now. I have information supporting my position. My credit score drop more that XXXX points for this error.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (KS).
Issue: Taking out the loan or lease

Complaint: I had a loan with Prestige Finance on my automobile. In XXXX XXXX I refinanced that automobile with XXXX XXXX to bring my interest rate down. I have made numerous calls to Prestige to please close my account because it looks like I have XXXX auto loans on my credit report, when I only have the XXXX. XXXX XXXX paid XXXX XXXX the total amount of the loan on XXXX XXXX, XXXX. Prestige has agreed that the loan is paid in full and that they will close the account. This was told to me in XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX and in XXXX XXXX, XXXX, that they were sorry and would take care of the matter immediately. It still has not been done. The account at Prestige Finance was XXXX. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: When my mortgage payments started my loan was sold XXXX and set up for payments with servicing company Wells Fargo. On setup of my payments I chose to have weekly payments for my mortgage for the benefit of paying off the loan earlier..as much as 7 years early ( knowing this from before ) based on a 30 year fixed loan. 

Soon I found out that I am not receiving full benefits of paying off weekly as servicing company is not applying my weekly payments against the principal immediately, instead they hold on to funds and wait until XXXX of every month and then apply it or waits for the 4th payment ( XXXX of the XXXX mentioned ). Therefore, hundreds of dollars every month in interest I pay extra. In this scenario of weekly payments I only receive XXXX of the XXXX benefits that weekly payments should give. 

Knowing how exactly mortgage works and that mortgage interested is compounded daily basis, this " inconvenience how servicer deals with my payments " is costing me NOT paying off my mortgage extra 2 years earlier and close to $ 50k in extra payments during the life the loan. 

I complained about this to Wells Fargo, but their response was simple as " That 's how we operate '' with no further explanation which leads me to initiate this complaint with CFPB.

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 09/26/2017 about Money transfer, virtual currency, or money service (International money transfer) with Trans-Fast Remittance LLC (NC).
Issue: Money was not available when promised

Complaint: Date the transaction was initiated was on XX/XX/XXXX. The transfer amount is XXXX USD. 
After the transaction was complete, I received a mail from transfast mentioning that the amount will be transferred safe, secure and quickly and estimate delivery date is XX/XX/XXXX. 

There is neither a mail communication not a phone call from transfast on my transaction. 
Request you to please take this up as critical priority as they need to mention the reason for cancellation as I sent the money to XXXX which was needed for emergency purposes. My family in XXXX had to suffer due to unavailability of funds. We all had to suffer mental tension due to this and the purpose was not served too. 

My amount has not been reversed till I called transfast team to check on my transaction status.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Have compliant to Equifax that the name XXXX XXXX XXXX appearing on the file is fraud and should be removed. There is also a account under the name XXXX XXXX that is fruad and they have sent me letters reflecting they have request the Equifax should remove this from my file but they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Debt collection (Medical) with Overton, Russell, Doerr and Donovan, LLP (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Contacted 'law offices ' and could not get proper balance when requested. Also having paid on this debt for over 1 year have never received quarterly accounting of the debt while the consumer makes payments. 

Unsure what is currently owed and lawfirm has told me I must keep paying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On all 3 credit bureaus a 120 day late report is on there last reported XX/XX/XXXX through XXXX. One bureau said last reported XX/XX/XXXX. The acct number only reveals ***XXXX. I was given number to XXXX  and through all departments they do not have any information associated with my social security number.

I am unsure if this is an old account or if its fraud but i am unfamiliar with any accounts through XXXX.

Please help!

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 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2018, XXXX XXXX has notified me that a hard inquiry has appeared on my account, which was not approved by me. I believe someone must have gotten my Social Security Number from the XXXX  hack and is trying to get a phone in my name. I have tried to contact XXXX XXXX XXXX to get the inquiry removed but keep running into brick walls -- website not allowing me to progress and confusing questions XXXX XXXX XXXX keeps asking me that do not help me resolve my issue. 

I didn't know what else to try so I went ahead and froze all my credit reports on XXXX, Transunion, and XXXX ; however, I don't think the Transunion freeze worked correctly because it keeps giving me an error that it can't confirm my identity. It is odd how XXXX and XXXX have found my files without any trouble but Transunion has not. 

I have not worked yet, so I have no employment history, credit score, or credit card accounts with any bank. I only have two accounts in my name that I opened myself for attending college.

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 06/15/2017 about Student loan (Federal student loan servicing) with TRANSWORLD SYSTEMS INC (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX   XXXX  reached out to me to attend their   XXXX   XXXX   program. I expressed to them that I have   XXXX   and would not be able to secure employment. They assured me that would not be a problem and that I should begin the  program. I completed the program in 2013. I have not been able to secure certification nor gain employment in the area in which I trained because of my  XXXX . I was made aware that the federal government shut the  school down and offered forgiveness to previous students due to misrepresentation and fraudulent programs and guaranteed employment.   To date, I have not been able to address the issue and have not been able to receive forgiveness for my loans that I have been paying on.

Company response to consumer: Closed with explanation