milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2018 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: XXXX XXXX XXXX placed a collection on my XXXX, XXXX credit report and Transunion credit report on XXXX XXXX, 2017 stating that I owe a balance of {$3900.00} I never signed a contract with this company to agree to pay any debit 's owed. Therefor I am not responsible for any debits owed to this company

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 04/20/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I wanted to set up automatic payments for my mortgage. I faxed the request and checked with the lender a XXXX later. I was told it had not been received, XXXX days later I got a letter from my mortgage company stating that the request had been received but the voided check had not. I sent a voided check and a new automatic payment request. When the next payment was not taken out of my account, I again called the lender and again was told that they had not received a request for automatic payments. XXXX more time, after receiving a letter that they had the voided check, but not the authorization form, I sent both. When I was again told by customer service that they had n't received the form and voided check, I gave up and mailed a check. The day the check cleared ( XXXX XXXX, 2015, ) I got a letter from the mortgage company stating that the automatic payment of {$1300.00} would start on XXXX XXXX, 2015. I called the mortgage company on XXXX/XXXX/15 and told them to stop the XXXX/XXXX/15 payment as they had already cashed the check. That same day I placed a stop payment on the {$1200.00} at my bank. On XXXX/XXXX/15 the mortgage company withdrew {$1000.00}?? After a faxed request and numerous phone calls the funds have not returned. The customer service department has refused to provide access to a supervisor, once transferring me to " the person who handles your account '' after I told her to transfer me to a supervisor. The person who transferred the telephone call identified herself as " XXXX '' and refused to provide me with a phone number at their corporate offices.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 non-monetary relief
Consumer complaint received 07-03-2017 about Debt collection (Other debt) with AFNI INC. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX I received a lettter for a bill through a collection agency from XXXX XXXX XXXX in the amount that I do not owe. I called the representative from the agency on XX/XX/XXXX to dispute the charges. However, I did not get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have several months of negative reporting for Acct # XXXX from XX/XX/XXXX, which is showing " pays as agreed '' however, it's showing delinquent for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During these time my loan was actually in Deferment/Forbearance status. So this credit reporting is inaccurate and should not be negative on my credit report. I DO NOT want my loans to be removed because of the age of the account, which I need on my credit report for history. 

This same complaint was made in XX/XX/XXXX. Complaint ID # XXXX. Navient responded with, the late/delinquencies were removed for XX/XX/XXXX and XX/XX/XXXX. Also, I spoke with a Navient advocate in XX/XX/XXXX and she also removed the delinquency from XX/XX/XXXX. Now as of XX/XX/XXXX, the delinquency from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX is now back on my current Equifax report which caused my score to drop. So very frustrating!!!! 

I called XXXX XXXX customer service number twice and they saw that it was corrected last year. The Navient customer service dept stated, they will have someone call me. I am still waiting. Also, why do I have to keep going through this same thing again. Stressful and depressing.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: I received two calls this morning between  XXXX  and  XXXX    XXXX   XXXX   from this company for a  XXXX   XXXX . We share the same last name, but we have no idea who this person is. This phone number is listed in  XXXX . It has been our phone number for more than 20 years. This call woke me up. Scared me because the only reason that someone would call me at that time is if something was wrong with a family member and thereby forced me to get out of bed to answer the phone. These people had no reason to contact me. I 'm frankly tired of all of these companies and their robo calls calling my home and interrupting my day!

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 04/25/2015 about Payday loan () with Big Picture Loans, LLC (KY).
Issue: Received a loan I didn't apply for

Complaint: I had a XXXX and all of sudden I notice my bank account was being credited {$350.00} a mth. and I did n't what for. Did even realize this unitl this month they had been taking out this money since XXXX which I had the XXXX before XXXX and could n't even use a computer. I call my bank this morning and they give a telephone no. that is n't that companies no. I do go and line and try to call Castle Payday loans ca n't talk to anyone. They have taken out {$1700.00} out of my account. I 'm elder and do n't deserve this. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (NC).
Issue: Managing the loan or lease

Complaint: I took out a personal loan with Wells Fargo Bank using a cash savings acct. as collateral. I have had nothing but problems with WF in several of my XXXX accounts with them to the point of ready to close all of them. I went to pay off the personal loan today and encountered MULTIPLE problems from the teller all the way to their corporate HQ. From the SENIOR teller not being able to give me a payoff amount but taking what showed as balance to directing me to call a call center then refering me to a personal banker who could not help either which had to call a loan officer to figure out how to get a payoff so I had to pay a XXXX check after being told I paid off the loan snd then when I inquired as to when my savings acct which was the collateral was going to be released so I could remove my $ XXXX from it, I was told it would not be available for 10 business days. The loan was paid off in cash and when I made individual payments that amount was not released but rather they continue to hold the entire amount of the initial loan amount even though the loan was paid down XXXX. There is no reason a bank as big as WF should be allowed to keep me from my money for an additional 10 days AFTER I pay the loan off in cash. They have no more worry or chance of loss with the loan paid but yet they claim it takes 10 days to release the money even with the loan paid. I can understand if the loan was backed with a car or house or something with a title to release etc but this was cash. They pay only .01 % interest so it keeps me from immediately moving my money so they can continue to use it practically free of charge when they now have no legal claim over it. This should be against the law when cash is repaid in cash and not requiring a title be returned or any other paperwork. WF is quick to charge and collect fees from customers for their benefit but when a consumer has paid what is owed to them, they should not be allowed to continue to hold the consumer 's money for ten days which I was told was business days so why do they need to keep cash collateral for basically two calendar weeks?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing statement

Complaint: Synchrony Bank services my Amazon.com Prime Store Card. The primary feature of this credit card is you get a 5 % statement credit when you use the card. I have not gotten the credit, although the amount of it shows up on the statement. I have complained 2 times to Synchrony Bank and they have n't resolved this issue. The statement I receive clearly sets forth and promotes the 5 % cash back benefit, but it is not actually implemented. I have alerted Amazon about the bad service from its co-branded bank credit card but they send me back to the bank. This is fraud if intentional. I am certain most people do not monitor this closely as it is generally a small amount of money, but I am also sure people get this card for this benefit which they are n't actually receiving ( if others are similarly mistreated ).

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 06/23/2017 about Student loan (Federal student loan servicing) with Utah System of Higher Education (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I am a XXXX XXXX at the XXXX XXXX XXXX XXXX  ( XXXX ). I have a Direct Consolidation Loan that is serviced by XXXX XXXX XXXX XXXX. My employer, the XXXX, has a student loan repayment program ( SLRP ). As part of the annual application process for its SLRP, the XXXX gives me a loan data verification form that I am required to forward to XXXX, so that XXXX can confirm certain details about my student loan. This XXXX form, together with the XXXX XXXX cover letter, asks XXXX to return the completed forms directly to the XXXX, either by mail, email, or fax. I submitted this XXXX form to XXXX  on XX/XX/XXXX, using their " File Upload '' feature on my account portal. Three weeks later, XXXX still has not supplied this information to the XXXX. I have contacted XXXX  multiple times, both by email and over the phone, and they keep telling me that it can take them 30 business days or longer to process such a request. I do not believe it is acceptable for XXXX to take so long to process such a simple request for information. In fact, last year, in XX/XX/XXXX, XXXX faxed the completed form to the XXXX the very next day after I submitted the request to XXXX. They are now either incapable of providing a minimum level of customer service to the borrowers whose loans they service, or they are deliberately trying to impede my ability to accelerate repayment of my loan through the XXXX XXXX SLRP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Debt collection (Medical debt) with Io, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I was XXXX from XXXX XXXX until XXXX XXXX. During that time, a relative used my personal information to obtain credit, goods and services in my name. There have been car loans, bank accounts and not so successful attempts to get a mortgage. I have been pretty successful in providing documentation to creditors and debt collectors listed on my credit bureaus and subsequently having the negative information removed. Except the following two companies. Receivables Management Systems Account Number : XXXX This company is collecting for XXXX XXXX, a express medical facility. I have been able to provide significant information that proves that this debt was not incurred by me. I provided all of my records from the XXXX XXXX XXXX here in Maryland which lists the date I began my XXXX to the day that I was released. Since XXXX, I have left voice messages for a supervisor named XXXX, who never seems to be available when I call him. I have had better luck speaking with a representative named XXXX XXXX, but even then she is limited in what information she can provide. When I last spoke with her on XXXX XXXX, she told me that the agency was waiting to find out from XXXX XXXX if I was serviced there as an XXXX - which I certainly would not be. I left another message for XXXX XXXX yesterday, after waiting a full two weeks and I still have not heard anything back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I have had a very difficult time with OCWEN. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Ocwen always seemed to lose my paperwork, which I constantly had to re-fax. I also had a very difficult time understanding the overseas representatives. They have recently declined me and now I have a sale date of XXXX/XXXX/17, which my representative told me it was on " HOLD ''. Ocwen completely lied to me. My wife and I are XXXX, and XXXX years old. This system Ocwen has put us through was very confusing and difficult. I feel like Ocwen was not honest with us regarding how to avoid foreclosure. We are now in a very serious situation. We are very scared, and do not want to be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Using a debit or ATM card

Complaint: Back in XXXX 2014 I either lost or someone stole my Debit card. A fraudulent check was deposited to my account through the ATM and funds removed ... I had maybe {$3.00} or {$4.00} dollars in account when I went to use it I was told my transaction was declined so I went on line to check balance and saw a transaction for food ( which I did not buy ) but also there was a pending deposit for I think it was {$2500.00} or {$2900.00}. The next day I went to the bank and informed them. I asked them if they could cancel the card and issue me a new one. They said no problem, we did that, they said I would get a new card in the mail and did I want a temporary card. Since I was n't expecting my XXXX check for at least another two weeks I said I would wait till new card came in. I kept calling them about reversing the charge for my {$3.00} or {$4.00} which when they finally did I was told they were closing the account and choosing not to open me a new one. At that time I did not pursue it cause I was dealing with a XXXX in the family, and I just transferred my XXXX direct deposit to my other bank account. I never got anything in the mail as far as I recall. Recently I opened a business account and deposited checks made out to the company and when I went to make payroll I found out that they had put a freeze on the account. I did n't know I could n't do business with them or that they were holding me accountable for what happened back in XX/XX/XXXX. I lost the company contract because I could not make payroll .... I do n't know what to do or how to fix this problem. I 'm XXXX it 's not too many companies that are going to give me a chance like this again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-01-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed incorrect information on my report. They did an investigation. They sent me back a response saying that the information was verified. I sent a request asking fro all information they received to verify the account and I got no response from them. Also after filing my report with you my credit score dropped XXXX points I found this to be very confusing. Noting changed and a drastic drop because I 'm trying to protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I 've been repaying on my student loan for over ten years now, it 's been transferred from one vendor to the next. However, it started with XXXX, which is now Navient. I heard about the lawsuit, and have been persuaed into going into forberance on mulitple occassions.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit card or prepaid card (General-purpose prepaid card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: CapitalOne credit card is refusing to close my account. I closed it by phone with them on XX/XX/XXXX. I did everything I was told to do in order to pay the account in full at that time. I continue to get billed. They continue to add more and more charges. They have blocked my efforts to contact them via email. I mailed them letters to stop.

After my last attempt to resolve this with the Co, I received a letter asking that I " call '' to solve my problem. However, knowing that a phone call got me nowhere in XX/XX/XXXX I wrote this letter in response : XX/XX/XXXX Capital One : This correspondence is In reply to your letter dated XX/XX/XXXX, that I received on XX/XX/XXXX I have enclosed a copy for your reference.

I decline to " call '', as you have requested. I am in process of pursuing complaints against you with consumer protection agencies which protect my rights.

I can see no reason that a phone call to you would make any difference at this point. All contact I am having with you is by email, hard copy mail and through these agencies.

This allows me to have a record of your practices No phone call would afford me any advantage.

If you do not wish to do the right thing as regards my original complaint. I fully expect no phone call between us would change that.

I demand you close this account. Retract any and all charges you have placed on the account after the closed dateXX/XX/XXXX, and honor the information I was given by your customer service representative on the phone on the above date, when I was given the balance to be paid in full at close of this account.

I am not letting this matter go. I will fight you on this until I get the resolution I deserve.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-02-2017 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Deposits and withdrawals

Complaint: Citizens Bank had a promotion that of you opened a new business account by XX/XX/XXXX with {$2000.00}, you would get a {$300.00} bonus by XX/XX/XXXX. I have not received the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Mortgage (FHA mortgage) with Fay Servicing, LLC (CO).
Issue: Settlement process and costs

Complaint: I purchased a home in XXXX and in XXXX I was having issues paying my mortgage due to an injury and they set me up on a trial modification program. I made the three months payments and was waiting to hear from them on what the next step was. In the meantime, I decided to sell my home. I received a statement of account from XXXX indicating that I owed {$150000.00} on XXXX XXXX, XXXX. I sold my home on XXXX XXXX, XXXX. The end of XXXX the loan was acquired by Fay Servicing. Myself and the title company handling the closing of my sale had issues getting a payoff from Fay Serviving and on the morning of the closing they finally sent over a payoff of {$200000.00} ( without an explanation as to why the amount was so high. I had no choice but to continue with the sale and closing. I had already rented an apartment and moved and the new buyers were moving into the home that day. I have tired to obtain a a statement of account to explain the difference of {$47000.00} from Fay Servicing and I have never received anything. I am told that it will be sent to me. I have even received letters from them saying that I am behind on my mortgage and they can assist me. This loan was paid off in XXXX, XXXX. I need some assistance in getting this money refunded to me. I recently learned about CFPB and was hoping you can help me with getting the money refunded. I am not able to afford an attorney to file a lawsuit against them.

Company response to consumer: Closed with explanation