milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2016 about Student loan (Federal student loan servicing) with TRANSWORLD SYSTEMS INC (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Background : This complaint is a follow-on to case number XXXX ( the " Original Case '' ) because I received an auto-generated response on that complaint that more information was needed, but the CFPB customer service at XXXX was unable to assist me on XXXX XXXX because the Original Case did not give consent for CFPB to release my personal contact information. Your phone representative asked me to resubmit the case with consent to publish my personal information, as I am now doing. 
* * * Complaint : XXXX processed a consolidation loan for me in XXXX XXXX, 2016, that repaid and consolidated XXXX prior direct loans : XXXX with XXXX and XXXX with University Accounting Service ( on behalf of my university ) ( " UAS '' ). In the repayment process, due to passage of time and intervening payments I made on my UAS loan during the consolidation process, XXXX ended up overpaying my UAS loan by {$520.00} ; UAS says they issued a refund in that exact overpayment amount to XXXX on XXXX XXXX, 2016, but XXXX claims not to have received the refund. Despite my requests to UAS via phone call ( in XXXX ) and the UAS website ( XXXX XXXX ), XXXX has not provided any proof that the refund was issued or further information about the refund so XXXX can research what happened. 

I have worked with UAS and XXXX to resolve the issue, but their customer service departments have been unable or unwilling to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CT).
Issue: Managing the loan or lease

Complaint: I obtained a Vehicle loan from West Lake Financial Services for about {$4800.00}. I had the vehicle in my passion for about 28 days. I was involved in a XXXX in which my insurance company deemed was a total loss. Insurance company only paid about {$4400.00} as they determined that was actual value. I had GAP insurance with West Lake Financial and was told it would cover the rest of the loan which it did. On or about XXXX XXXX, 2016 I made a call to Westlake Financial to inquire what my Balance was. I was told over the phone that I had a XXXX balance. For whatever reason West Lake reported a {$71.00} Charge OFF on my credit report. West Lake never notified me I owed them this money therefore denying me any opportunity to make the needed payment. This Charge Off caused a drastic drop of my Credit Score. It went so low that my main Credit line thru XXXX was closed. I lost my {$10000.00} credit line!

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (TX).
Issue: Application, originator, mortgage broker

Complaint: I made a mistake and asked for a refinance on my condo. I got a prompt reply by phone and began the process. After agreeing on rates, 15 years fixed. I was asked to fill out a form which I had to print and send back. Before I could print the form I received a request for copies of paper documents. I now realize that this could go on for ever. I have sent Ameri-save an email canceling the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Payday loan) with NAM National Arbitration and Mediation (KS).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: A man named XXXX said that he was a legal courier for XXXX and XXXX XXXX and he was going to attempt to deliver legal papers to my door and place of employment he left me a number to call to stop this effort XXXX when I called that number I spoke to a man name was undisclosed he had the last XXXX of my social security number he did not read me the mini Miranda when I asked him if the call was recorded he said we do not record our calls mop also informed me that I am not being sued and his company 's name is ADR processing I told him that I will not be paying this debt because I have not had any contact via mail and to many scam agencies out there

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ID THEFT HIPPA, CRA INACCURATE INFORMATION AFFIDAVIT OF FACT

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: transunion is still reporting inaccurate information for XXXX XXXX XXXX # XXXX. this account needs to be removed. I have the account ledger from the bank who states they have notified transunion about the inaccurate information and still transunion has not updated my account. I have also provided transunion with documentation showing this account needs to be removed.

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 01/18/2018 about Vehicle loan or lease (Lease) with VW Credit (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I sent two money orders to XXXX XXXX. The first money order was for {$250.00} and the second was for {$490.00}. I inadvertently made one of the money orders payable to myself ( {$490.00} XXXX. As soon as I caught the mistake I contacted XXXX regarding the issue. It was at that time they informed they use robots in their payment centers to process checks. I was informed my check would either be cashed, sent back or destroyed by the robot. The check was processed. XXXX contacted the Federal Reserves to have the funds reversed but it will not be be sent back to me. I was told the funds would return to XXXX XXXX XXXX money order ). I have contacted XXXX XXXX and they outsource their customer service department outside of the XXXX. So communication has been horrible with XXXX XXXX. XXXX should have send the monies back to me. Now I 'm out of {$490.00} which was my payment amount to XXXX. I have spoken to multiple individuals regarding this situation. I do n't sense the urgency to resolve this issue either.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XX/XX/XXXX, I filed a complaint against Synchrony XXXX because I could not get them to initiate a fraud investigation in regards to a WalMart account that was fraudulently opened in my name. The previous  complaint # was XXXX. 

Synchrony XXXX responded to that complaint, and said that they would initiate the fraud investigation, and they would respond back to me within 30 days. Over 60 days have passed now, and I have not heard anything from Synchrony XXXX about the fraud investigation results. Additionally, they are still reporting the account 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 non-monetary relief
Consumer complaint received 09/20/2016 about Student loan (Federal student loan servicing) with EQUIFAX, INC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I consolidated my student loan in XXXX 2013.Original balance was, ( {$75000.00} ) + ( {$120000.00} ) = ( {$200000.00} ). This included all loans. EQUIFAX has decided to report incorrect information. They list ( {$14000.00} ) pass due and, ( ( {$42000.00} ) pass due. These loans were included in the consolidation. They need to be fined, and restore my credit score to reflect that.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I received a Green Tree Servicing letter stating that my home equity account was forgiven as part of the XXXX XXXX XXXX XXXX settlement. On page XXXX of the letter the last paragraph states, " we will report to the major credit bureaus that your account was paid and closed. '' The forgiveness has been processed. However I have spoken to Green Tree Servicing several times because they will not provide a letter that it has processed and they are saying they will not report that language to the credit agencies. They stated it in black and white on their own letter I didnt negotiate this language and now they need to honor what they stated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2016 about Mortgage (Home equity loan or line of credit) with PHH Mortgage Services Corporation (NJ).
Issue: Application, originator, mortgage broker

Complaint: The PHH mortgage company always does deceptive things that go against the CFPB rules and regulations. They lie to buyers trying to refi and/or get a mortgage that doctors notes are required when they say they are on XXXX, they deny loans to women when they find out that they are on maternity leave from their job, they lead borrowers to use their title company ( which they own XXXX % of the title company ) without telling borrowers that they get a kickback on people using the title company, they have loan processors giving borrowers rates when the processor are not licensed to do so and they have non XXXX speaking non licensed customer service reps who mess up the escrows on accounts so that after the first year when the escrow is messed up they foreclose on your home.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Credit decision / Underwriting

Complaint: This Complaint is against OCWEN, Loan Servicing, LLC for failure to foreclose on a residence property. 
I vacated the residence in Virginia in 2009. Originally, XXXX XXXX XXXX had the loan but then it was conveyed or sold to OCWEN, LLCDue to a divorce in 2009, I was required to pay {$2700.00} per month to my ex-wife. I could no longer pay my mortgage payment. For the past 6 years I have attempted to short-sale ( 3 times ), then for the past 3 years have attempted to utilize services related to Deed-In Leiu of Foreclosure to no avail. All theses liquidation attempts were made through Ocwen services. 
Impact to my life : I am a homeless veteran that can not obtain credit or use my VA home loan to re-start my life because OCWEN is showing that I have an active loan on my credit report. Bottom line : Ocwen will Not foreclose on property.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (I do not know) with Hunter Warfield, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: About 18 month 's ago i had find out that i have been a victim of identity theft and some one unknown to me had used my personal information to get credit cards, loans and other things. At that time i had filed a FTC report and Also filled a police report and every thing was removed from my credit report including the collection account from HUNTER WARFIELD. Few months ago after hearing about XXXX data breach i decided to purchase another copy of my credit report and i find out that i been a victim a gain also noticed the account that was removed from my credit report its back on my credit report. I had to go through the same thing Dispute the accounts again and it was removed and i just checked my credit report it is back on my report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Other

Complaint: American Express enrolled me into an opt-in " Pay over time '' program without my consent, and did not notify me. As a result, I was charged interest when I submitted payment for what I thought was my statement balance, but was in fact the minimum amount due under the program. 
When I reviewed my next account statement, I noted an interest charge and considered it a mistake on my part for not paying off the full balance. I submitted a payment to cover the full statement balance so that I would no longer be charged interest. 
My current statement now shows another interest charge. I called American Express on XXXX XXXX XXXX and their customer service representative ( XXXX ) advised that even though I had submitted payment in full for my statement balance, the company was going to continue to charge me interest for the previous charges. In effect, these charges are perpetual -- paying off my full balance would only cover the interest calculated for the reported balance, but interest continues to accrue after the statement is delivered and even after they receive payment. The lag between theses systems ensures there 's always a balance due. 
During my call American Express was able to immediately locate the XXXX XXXX XXXX email with their " Pay over time '' offer, but they can not locate any record of my having enrolled because they do n't keep records from that far back. They said they would remove me from the program, but they have not sent me any notification they have actually done it. They are continuing to charge me interest resulting from their having enrolled me in a program without my consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of America Ltd. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX XXXX, I received a collection letter from Collection Bureau of America referencing a past due XXXX XXXX account in the amount of {$350.00}. The letter listed a service address in a city in which I had never lived ( XXXX, CA ), At the time I had been XXXX for 19 months and had not had a XXXX XXXX account since XX/XX/XXXX. I had never heard from XXXX XXXX prior to this, so this was clearly an administrative error or someone else 's account with the same name. I immediately disputed the letter in writing in a letter dated XX/XX/XXXX. In the letter, I pointed out that this was not my debt, explained how it could not be my debt, and requested that they provide me 1 ) the amount of the original debt ; 2 ) the name and address of the creditor to whom the debt is owed ; 3 ) verification of any judgment ; 4 ) proof that they are licensed to collect debt in California, and 5 ) proof of the last payment on the account. 
I received a second collection notice dated XX/XX/XXXX repeating the initial threat of collection, presumably prior to their receiving my letter of dispute. I then received a third letter dated XX/XX/XXXX acknowledging my dispute. At no point did the collection agency provide items XXXX, XXXX, or XXXX as I had requested, and I never heard from them again. 
On a recent XXXX credit report, I noticed that this collection was listed as negative information. It appears that Collections Bureau of America ignored my dispute and proceeded to post this erroneous information to the credit reporting agencies, damaging my credit rating despite the evidence that this was never my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Other debt) with Gurstel Law Firm, P.C. (MN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I owed an amount of {$950.00} to XXXX XXXX. This account was opened in 2015. This bank was closed, and my delinquent account was sold. I am being sued by a law office that I was never in contact with. The bank is no longer in business and I do not have a contract with this law firm. They are suing me for the amount above. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: I requested mortgage assistance from Wells Fargo and was denied for home retention options. I was told my options to avoid foreclosure were deed in lieu in foreclosure or to list my home for short sale. Opting to short sale my home was the most difficult decision to make but we made it. With a broken heart we did list the home and sent everything Wells Fargo needed to start the short sale process. Calls to confirm receipt of the documents we sent were made and Wells Fargo confirmed the documents were received and were being reviewed. Now that I call to check status on the short sale process I am being told the sale date is active and will be taking place as reviewing my request to short sale was received too late. I asked why was I not informed of this on XXXX XXXX, 2016 when I called to check status on the request? Instead I was told the documents were received and were being reviewed. Never the less the representative was very rude and told me they are moving forward with the sale date. I told the representative what options are they providing me with to avoid foreclosure and the representative very mockingly answered " NONE ''. I told the representative I am in California, and here it is a requirement that ALL lenders provide an alternative to avoid foreclosure. The representative again told me I have no options and asked if she had addressed all my concerns. I asked to speak with a supervisor and of course the call was terminated. I called back to speak with a Supervisor and would get transferred to the Home Preservation and of course as usual I get the voicemail. This entire matter has been difficult God is my witness we tried and tried to make ends meet and have accepted the reality, which is we can not afford our home which is why we decided to to proceed with the short sale process. I am very very very sadden with the treatment and inaccurate information and the acts of bad faith Wells Fargo. I have asked for a postponement as there is a buyer and I will be penalized and will be required to pay the buyer for the cancellation of the process, which is money I do NOT have.

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 09/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I took a conventional interest-only 5-year ARM mortgage from Countrywide Financial which was later acquired by Bank of America on XX/XX/XXXX. Countrywide 's mortgage system has a serious system glitch. When I make principle payments more than once a month, their mortgage system consistently miscalculates interest as it ignores the principal payment. They promised to hold off interest accrual until they have fixed this system error. However, instead of resolving this error, Bank of America sold my mortgage to XXXX. Unfortunately, this issue has never been resolved. Nevertheless, we paid the full principle balance on XX/XX/XXXX. We just learned that the dispute with BofA significantly damaged our credit scores. 
Can you ask Bank of America to repair my credit score?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The issue is that I did not receive proper documentation. I had no idea that this bill had gone to collections until I logged into XXXX and looked at my score drop from the XXXX to below. I never even recieved this bill before it went to collections. Once I found out what the bill was for, I paid it immediately online. It has been removed from my XXXX report/score but not my XXXX. My Fico credit score has dropped significantly because of this and I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (AL).
Issue: Fraud or scam

Complaint: In  XXXX  I financed a motorcycle through  Harley Davidson Finance.  In  XXXX  the loan was paid in full, however my loan was a charge off account. This has caused me to be denied credit for the last 2 years, because of their report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 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: Old information reappears or never goes away

Complaint: According to XXXX XXXX XXXX several accounts dated past seven years still remain on my credit reports. This matter is creating stress in my life and preventing employment. I have disputed the accounts and requested for removal but the credit agencies have not removed the old and closed accounts. In addition to that the creditor have submitted false information ( open dates ) on my 3 credit reports.

Company response to consumer: Closed with explanation