milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: This is a continuation of the problem with SLS, unable to point to any facts to claim that I am a month behind in my payments. I have provided bank transaction codes to prove my monthly payments were all made, including payments made to cover the difference in payments that were short due to payment amount changes. 
In their most recent letter to me, they claimed I did not pay the XX/XX/2016 payment. 
Online, tonight, I received a new message from SLS and amazingly, it states that they NOW claim I did not make the XX/XX/2016 payment. I have wasted many hours providing proof of payment and they keep changing their story. Once again, here is the proof that I certainly paid the XX/XX/2016 payment. It was short ( because I did not know that the amount had changed ) but after speaking with a representative at SLS I sent another check on XX/XX/XXXX to cover the difference. I attached records to illustrate. 

What do I have to do to get SLS to update my account to reflect my payments for which I HAVE PROOF of payment?

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 10-02-2015 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (UT).
Issue: Account opening, closing, or management

Complaint: I applied for an Ally checking account and savings account. I ws granted XXXX. a total of {$20.00} was transferred to those accounts out of my checking account I have had for a while. Then Ally blocked my accounts with them and told them I have to prove to them who I say I am. I called and emailed them several times. Finally I was told they performed a credit check and it did n't go through. During the application process I was never told my credit would be checked by Ally Bank. Also if the credit check did n't go through why did they transfer my money to their accounts? They should n't have done that. The application process should have been stalled until this was settled. I also told them I froze my credit report because I was a victim of identity theft a few years ago. I told them they need to return my money and close my Ally Bank accounts. Instead they refused and if was after this they sent me a signature card which I signed and returned and they keep sending me emails but they refuse to unlock my account, they refuse to return my money and they refuse to close my Ally accounts. They never received my permission to perform a credit check and never said during the application process they would do so. Since the credit check did n't go through they should never have approved me for accounts with them and never should have transferred the money. They have committed petty theft ( stole and refused to return {$20.00} XXXX and they have committed banking fraud and illegally tried to access my credit report without permission. I want my money back and the ally accounts closed. If Ally Bank still refuses to return the money I want criminal charges pressed against the fraudulent company for petty theft and banking fraud. 
They keep sending me emails and mail so obviously they know I 'm not a fraud. Ally Bank is the fraud. They have sent me a checkbook and a banking card. I have n't used any of the checks and I have n't activated the banking card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been in review for a modification and I have not yet to speak to the point of contact assigned to the case. I have called her numerous times to check status on the modification and to see if further documents are needed. They have asked me for documentation and they have all been provided. They other agents ask me for supplemental stips on a piece meal basis. Now today, another agent is stating that I did not provide a XXXX. I informed her ask reflected on my pay check stubs from the XXXX, I DO NOT receive a XXXX only paystubs. The agent and not the point of contact informed me that even though I do n't receive a XXXX and receive paystubs, I need to still have written them a letter reflecting the fact that I dont receive a XXXX. So therefore, they are stating I did NOT provide documentation to them in a timely manner. The point of contact has never stated this to me and now they are no onger reflecting I am in active review because I didnt informed them I do not not receive a XXXX when clearly they know because they have my paystubs! This is a travesty of justice and is slap in the face of every American. They are not playing by the rules and setting me up for failure.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (I do not know) with Navient Solutions, LLC. (MA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company named general revenue service contacted both my mother and husband in regards to a alleged debt that is owed. They would not tell either of them what the call was in regards to and what their company did. I myself contacted them after to find out why they were calling and they could not give me an answer. I spoke to a representative who proceeded to yell at me when I told him not to contact any third party other than myself or my attorney. I then proceeded to ask what the call was in regards to and he could not tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit card () with AMERICAN EXPRESS COMPANY (MA).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (TX).
Issue: Fraud or scam

Complaint: On XXXX XXXX, XXXX, I sent a wire from my XXXX Bank account for XXXX to XXXX XXXX XXXX. According to the wire instructions, it was to go to a Wells Fargo bank in XXXX XXXX. The wire ended up going to XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. What I learned on XXXX XXXX was that XXXX XXXX XXXX never received the wire. It appears the email correspondence had been compromised by someone else. XXXX XXXX XXXX called the FBI and started an internal investigation. XXXX also called Wells Fargo because XXXX DOES NOT have ANY accounts with Wells Fargo. Wells Fargo confirmed the account that received the money was not in the name of XXXX XXXX XXXX nor any of its officers. Wells Fargo refused to return my money despite this being an apparent violation of anti money laundering laws passed after XXXX. My wire should have been rejected by Wells Fargo as the name of the wire did not match with any name on the receiving account. I called XXXX who closed one investigation but currently has a global investigation open through my local branch manager. I contact XXXX and XXXX in XXXX XXXX who wrote a demand of payment to the Wells Fargo branch in XXXX with no response. I also filed a complaint with the OCC, and the Texas Banking Commission, and IC3. I have a police report and an open investigation with the XXXX County Sheriff 's office. Wells Fargo will not talk to me because I am not the account owner. XXXX XXXX XXXX is willing to share their findings with any federal investigator. Here is the account information of the transfer I was sent. 
Wells Fargo XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account Number : XXXX Routing Number : XXXX Swift : XXXX Here is the transaction number. 



Wire To Wire From Wire Amount Wire Date Transaction Number XXXX XXXX XXXX ( ... XXXX ) PREMIER PLUS CKG ( ... ) {$50000.00} ( USD ) XXXX/XXXX/XXXX 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 03-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: This complaint is about Citi Group credit cards. Their customer service number is XXXX. I use their website to monitor and pay my charge amounts IN FULL ; almost immediately after charging and before the due date. I check their website to verify the total owed prior to paying it. In XXXX, I paid the full and complete amount which they had posted on their website for my account. However, the NEXT month they billed me {$2.00} finance charge. I dispute that I owe this finance charge. I tried to contact them via their website and got nowhere. I tried to call and waited in excess of 30 minutes on hold before I hung up in frustration. They do not communicate except to send a message via their website that the fee is correct.

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 02/13/2018 about Mortgage (VA mortgage) with LoanCare, LLC (PA).
Issue: Trouble during payment process

Complaint: My school taxes have not been paid and have went to collections. Multiple charges have been added for late fees and collections. I have called since XX/XX/XXXX with no resolve.

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 02/15/2016 about Debt collection (Federal student loan) with Progressive Financial Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My student loan was sold to progressive financial due to default on a student loan. I have made attempts to rectify this debt but was told to pay more. Progressive financial has a history of illegal practices with multiple complaints.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Problems caused by my funds being low

Complaint: Scottrade refuses to remove known-to-be-fraudulent information submitted to my IRS file. 
I would like Scottrade to remove the fraudulent information submitted to the IRS file. Everything on or after XXXX XXXX, 2013, should be removed. Scottrade is in possession of a police report that supports this request.

Company response to consumer: Closed
Consumer complaint received 06/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Home at XXXX View XXXX XXXX CA XXXX has not been foreclosed on by Chase Bank after homeowner walked away in XXXX of 2015. Assesmmnts are behind and no title transfer or maintenance to property.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I sent a money order for {$50.00} to XXXX Medical Center. I spoke to a representative by phone informing the money order number because they sent another statement that did not reflect the change in balance. They then sent it to collections when I sent a letter advising that I have already sent a money order and it was cashed and they are not reflecting the change in balance due. It states that I owe {$80.00} still. I did not file a police report yet but I am going to. The Money order was cashed Janurary XXXX 2016 it had my patient ref # and the business name listed on it. I 'm only disputing the {$50.00} I know I owe them {$30.00}. After XXXX and having my car flooded Im still playing catch up for expected and unexpected bills. I cant afford to pay something I 've already paid when I can be paying something I actually do owe.

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 08-09-2015 about Credit card () with WELLS FARGO & COMPANY (NC).
Issue: Payoff process

Complaint: I took out a credit card through Wells Fargo to purchase furniture at XXXX XXXX. I was lead to believe that the payment schedule set up in the store would satisfy the payoff requirements to take advantage of the no interest loan over 12/18 months. This was not correct and when the balance was due I could n't afford the balloon payment and was charged back interest at a rate of 28 %. If I had known that the payment schedule set up for this loan was insufficient, I would have purchased less. In fact, I tried to purchase less and the XXXX XXXX employee said he restructured the loan so that i would only be paying XXXX a month. He assured me that this payment schedule would satisfy the no interest loan requirements. This has put me in a very difficult situation and I feel that I was seriously mislead by the individual at XXXX XXXX. I have contacted both XXXX XXXX and Wells Fargo and they have told me they are unwilling to help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I began trying to modify my mortgage in 2010. During this time CitiMortgage has repeatedly asked me for the same information over and over. I submit the information they request always within the deadlines that they provide however they take so long to review that then they need new updated financials etc. It 's a vicious circle that I have been in for over XXXX years! 
This year I was told over the phone that I qualified for a modification but I have yet to be given my three month trial period or sent the modification package. Instead I am told they are continuing to review my file. All I have asked for is a reduction in the interest rate to the market rate. That alone will make my payments affordable. 
I was not behind on any payments when I originally approached CitiMortgage asking for assistance. I was proactive and tried to prevent myself falling behind. However the financial crisis continued and I eventually did have to miss payments during this ordeal. I have continued making payments when I can however Citi applies these payments only to the interest due thereby increasing the principal amount due. I have asked for them to properly credit my payments and they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have attempted to contact the collection agency and the company that is claiming I owe this debt. I have even attempted to resolve this with the credit bureaus. XXXX XXXX XXXX XXXX XXXX is claiming that they evicted me from my apartment in XXXX 2013. They even filed an eviction against me and is being reported on XXXX XXXX. I have supplied them with proof ( my lease ) that I was not a resident of this apartment at the time they filed the eviction. I had moved out almost 3 months prior to this. I submitted proof of my notice to vacate, the email response to my notice, and a rental history verification where they acknowledged I turned in my notice. The proof they keep submitting is a auto generated bill statement where they applied charges that were not mine ( the base rent does n't match the base rent included on my signed lease ), including legal fees, and charges for damages. They claim the proof of these damages is a move-out condition sheet which the apartment number/address is missing, the resident 's name is missing, and the lease start date is incorrect. XXXX XXXX did submit my signed lease. A portion of it anyways and the lease does not match their so called supporting documents. This has cause me to loose out on being able to rent elsewhere and damaging to my credit. This has being ongoing trying to get this matter resolved. My next step will be legal actions.

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 09/29/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by Midland Credit Management in XX/XX/XXXX on an account that gone into collections. I was told by the rep that once this debt was paid, it would be reported to the Credit Bureaus for DELETION! I made arrangements and paid this debt XX/XX/2016. It is now going on XX/XX/XXXX, and this collection is still showing on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-03-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: It is several accounts that are incorrect, XXXX XXXX XXXX XXXX ( XXXX XXXX online XXXX ), XXXX ( XXXX ) SERVICES, XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( XXXX,, XXXX XXXX, ( XXXX XXXX XXXX XXXX ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-02-2015 about Debt collection (Federal student loan) with IMMEDIATE RECOVERY GROUP, INC (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They 've called a few times to explain my options for repaying student loans within the same week. I 've explained my work schedule and that I 'm in the habit of doing research on companies I 've never dealt with before paying them any sum. Agreed to call them back Wednesday afternoon ( after work ). The follow up was to contact me at work to further push the issue while I was at work on Wednesday.

Company response to consumer: Untimely response
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XXXX16 at XXXX I spoke with XXXX at XXXX XXXX XXXX XXXX . We reached a settlement agreement and he promised my debt will be deleted from my report after payment. Auth # XXXX for payment. The account is still on my credit report as a negative item.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I contacted the credit card company on 3 separate occasions regarding a charge on my card for XXXX XXXX which should have been a credit. The company refused to remove the charges or did an investigation. The reps were rude. The last person spoke to was a male claiming to be XXXX. I requested a supervisor. He kept me on hold for 15 mins. After returning to the call informed that no supervisor was available. He could set up a call for a retutn call in the next 42-76 hrs. Totally unaccountable. Violation of my consumer tight

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 02/28/2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is a Lien indicated on my credit report. Case/Docket # XXXX NEW JERSEY {$22000.00} Date filed XX/XX/2015. There should be additional information listed indicating that there is a formal payment plan in place and I am paying as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: A few years ago I had issues with Chase, my mortgage company. I came home to a sheriff sale paper on my door. I called Chase only to find out I was XXXX payments behind! That blew my mind. I went on my bank account because I had electronic withdrawal directly to Chase, and I found my payments were sent to Chase. So I called the bank and they said the payments are marked as paid! {$10000.00} paid but Chase claimed they never received anything. And then I noticed payments had stopped being withdrawn after that. Im was not one to check my account all the time. Never received one late notice or a phone call stating I was even one payment behind. I had to get a lawyer for a modification in order to keep my house, which I had received after a long go around with Chase. Only to find out I got nailed with a {$43000.00} penalty because of the late fees, interest, etc. which would have to be paid if I were to sell my house or pay it off, on top of paying off my mortgage payments. I had struggled since then to get back on my feet. This is why I am looking for help a few years later. Nobody can tell me what happened to the {$10000.00} they " never '' received that started this nightmare in the first place. I have my bank statements stating it was paid to Chase, but my lawyer was just worried about the re modification and not helping with all the money I paid that someone received and was never accounted for. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Talked with a XXXX representative in XX/XX/XXXX about the mark " Bankruptcy Dismissed '' that is continuing to be reported on my TransUnion Credit Report after 10 years. The XXXX rep. assured me at that time the matter would be investigated and removed. In XX/XX/XXXX I received a latter from XXXX dated XX/XX/XXXX stating " We asked the four major credit reporting agencies ( XXXX, XXXX, XXXX and TransUnion ) to remove the reference to Chapter 13 bankruptcy on your credit profile. '' However, TransUnion has failed to comply. I have certainly spoken with both a TransUnion Rep. and XXXX rep. on XX/XX/XXXX about this matter. XXXX instructed me to take this matter up with TransUnion and TransUnion has instructed me to take this up with 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