milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-04-2015 about Debt collection (Credit card) with The Bureaus, Inc. (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: i acquired the debt in a divorce and filed bankruptcy chapter XXXX.the debt is from 2009 and in the state of Louisiana statue of limitations is XXXX years which makes this a time-barred debt.bureaus investment group, llc.XXXX no XXXX did n't send in a claim to the u.s. bankruptcy courts and has filed a suite against my ex.i have read up on certain laws and found that they have violated the fdcpa by attempting to sue for a time-barred debt as well as not complying to the Louisiana statue of limitations and have put them selves in contempt of court as pursuant to the u.s. bankruptcy automatic stay.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX I filed for bankruptcy, in XXXX I successfully renegotiated my mortgage so to not lose my house. The renegotiated mortgage after a seven year period reverted to the original terms. Taking my interest rate to 6.5 % on my first and 5.14 % on my second, effectively almost doubling my mortgage payments. I have contacted Wells Fargo on a number of occasions to try and do something about the interest rate and payments and am continually told I do not qualify for any program. I have now used up any and all savings making these payments, I submitted all the documentation I thought WF needed because they say due to the bankruptcy they can not request anything from me and again am told I do not qualify for any program and they refuse to tell me why

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 10/16/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage just got sold to another servicing company as of XXXX/XXXX/2016, the first letter I received stated this fact and said for the transfer should be complete in sixty days, that during this time no service fees or late charges would be assessed. I had to reset my ACH with my bank and the new ACH would start on XXXX/XXXX/16, after that date I would make XX/XX/XXXX payment directly. What a nightmare, I have received twelve letters and six phone calls as of today XXXX/XXXX/16. The latest being my payment would go up from {$400.00} per month to {$450.00} due to them being able to keep a two month reserve in the escrow account. 
I am retired, was on XXXX, now on social security with a fixed income and coming up with this added payment will be dificult. By my understanding I have until XXXX/XXXX/16 to have my ACH set up and the XXXX payment made without all this harrassment with letters and phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit card () with CITIBANK, N.A. (IA).
Issue: Late fee

Complaint: I applied for a Citi Double Points credit card earlier this year. I understood that I had set up autopay with my bank account, as I do with every credit card. A couple months later I received an email stating that my " late fees '' had been waived. I called Citi, explained the situation to XXXX different representatives, and understood that my autopay was successfully set up. Last week, I tried to use my card and the card was denied. I checked my statements and discovered that Citi had charged me XXXX separate late fees -- WITH NO NOTICE -- and apparently opted to suspend my card with no notice as well. The representative on their chat interface refused to refund my fees and threatened that I needed to make a payment as soon as possible. 
To be clear : Citi did not send me a letter, or an email, or a text or called me to inform me of any issues with my account. The only correspondence I received were emails saying, simply, " your monthly statement is available online ''. If they had bothered to contact me in any way to say they had n't received payment, I of course would have responded immediately to rectify the situation. Instead, they simply charged a fee, then another fee, then suspended my card. I will contact an attorney friend the week to seek clarification on whether this conduct on Citi 's part is illegal or merely unethical but regardless, a consumer should absolutely have the right to know if there is a problem with his account, and given an opportunity to address the situation, before fees are secretly charged against him. This smacks of a revenue-generating strategy and is undeniably a shady practice unbecoming a national 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 monetary relief
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hello : Here is a concise summary of what has occurred. From XX/XX/XXXX to XX/XX/XXXX I took out three student loans ( Stafford, XXXX and Perkins ) in the amount of {$25000.00}. In XX/XX/XXXXthey were consolidated into one XXXX XXXX loan. In XXXX of XXXX I was diagnosed with XXXX. My doctor suggested that I get my personal matters in order as I would not be alive much longer. I had approximately {$20000.00} in personal debt and my student loans. So as to not leave my parents with this debt I declared personal bankruptcy. I was told by the judge that I could not include my student loans in a personal bankruptcy and would need to work something out with XXXX XXXX. After a number of conversations and completing an application including my Doctor 's signature and diagnosis, I was given a complete and total deferment of my student loans due to a permanent XXXX. I was grateful for this option. Almost 20 years later I began to receive collection notices about these student loans from various collection agencies. They were super aggressive and unforgiving. Unfortunately, I did not save any paperwork regarding these loans and their deferment. In fact, I did not keep any personal effects after my diagnosis. I was not planning on needing anything as I was given just months to live. I contested these loan collection efforts as these loans were Permanently Deferred in XXXX. My credit report suddenly had negative remarks and I am now limited financially. Loan Summary : 1 ) XXXX XXXX XXXX XXXX XXXX, Stafford Loan, {$14000.00} disbursed XXXX & XXXX 2 ) XXXX XXXX XXXX, XXXX, {$8200.00} XXXX XXXX & XXXX & XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, Perkins Loan, {$2500.00} disbursed at various times. On XX/XX/XXXX I completed an application to consolidate these loans under XXXX XXXX. Thank you for your attention to this matter.

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 05/15/2017 about Debt collection (I do not know) with Vengroff Williams, Inc (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX   XXXX  failed to record a tool rental return. They have now billed me an amount, far in excess of the tool in question, and handed that debt to a collection agency without contacting me and despite my repeated calls and emails to  XXXX   XXXX .   I am now being harassed in writing by  Vengroff Williams Inc .     I should be removed from this list and not contacted again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I submitted an extra payment to Navient with explicit written instructions. The payment was supposed to be applied to only XXXX of my XXXX loans. It also was supposed to be strictly used for principal only. Navient ignored my specific instructions and split the payment between my XXXX loans. It also applied a portion of the payment to interest fees when the loan was up to date in payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: First, I attempted to register with XXXX so I could monitor my credit but I was unable to successfully register due to " incorrect information '' error. Later, I attempted to get my credit reports from annualcreditreport.com. This too was unsuccessful and I fear that the credit bureaus may have my information wrong. 
Attached are documents regarding my identification. 
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 11/29/2017 about Student loan (Private student loan) with DISCOVER BANK (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Called Discover Student Loans XXXX/XXXX/XXXX to cancel automatic payments, because I could not cancel automatic payments nor change the payment withdrawal date using their online system. Was assured by the customer service rep that the automatic payments had been stopped. 

Was charged a payment on XXXX/XXXX/XXXX, called Discover Student Loans that same morning. They said they had " no record '' of my call, " no notes. '' I assured them I had the call history in my own phone. They assured me that my automatic payments had now been canceled. This payment coming out of my bank account was unexpected, and it caused my bank account to overdraft. On top of the negative balance, I am now responsible to my bank for an overdraft fee. 

Also asked about my forbearance options and representative said she would have to transfer me to another department, which I did not have time for.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 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: XXXX XXXX is listing an incorrect account on my credit reports and refuse to send any validating information to prove the information they are reporting. I have requested details of the account summary, details of the interest rate and how they reach the balance on my credit report, and also validation that this is my debt. They have failed to send me validating information, but continues to report on my credit reports. I have also complained that the payment history is reporting inaccurate as well, but Transunion and XXXX XXXX continues to report inaccuracies on my credit reports.

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 02-03-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide documents that their company has on file to verify the accounts that I have disputed. Being that they have gone past the 30 day mark, and have not been verified these accounts, under 611 ( 5 ) ( A ) FCRA they are required to " Promptly delete all information which can not be verified '' that I have disputed. Please resolve this issue as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dear Consumer Finance I am writing a final statement to inform you that I do n't believe I 'm treated fairly. My case with XXXX seems to get thrown out everytime without anyone taking a close look at it. I need a supervisor at both CFPB and XXXX to look over this case along with the account. It is a fraudulent error account on my credit report. I am only left to file a lawsuit against XXXX, TransUnion, & XXXX. This is a situation that has been ongoing for a couple years and it seems to get over looked. If no one looks after this case, I am left to file a lawsuit against the two bureaus along with XXXX. This is not a threat, i am fed up and wo n't allow a fraudulent error to remain on my credit report that is n't mine. This case has been looked over and someone needs to take a very close look at it and not allow it to be over looked this time around. If no one looks over this case correctly I will post all the credit bureaus and XXXX on public record if this gets over looked and a positive resolution is n't correct on my credit file. Please investigate this case closely. I sent in certified letters to XXXX, XXXX , & TransUnion to review this case and I asked for any documents from each credit bureaus along with XXXX and no one sent me any documents bearing my name or signature. It is very frustrating and embarrassing and comes with great pain to be going through a situation where a fraudulent error is torchuring my life and credit.

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 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: First I am a Identity Theft Victim. Not just a plain victim. My profile was stolen and IRS is working on this to help get a new social security number. 
XXXX XXXX stated they sent info., to you to be checked. I did not authorize that. You should have looked for the authorization. But, you should have immediately known I was a Identity Theft Victim. Then you come out and give them some bogus score number, after I have had my car financed with XXXX XXXX and have a perfect account. This seems to be a pattern where the finance co. can approve the loan but charge a higher interest rate. My loan with XXXX today is at XXXX XXXX 
I can see from the multiple complaints that this is going to turn into a mass litigation lawsuit! 
I tried to get my credit report from you and have not received it. I just called you again, but will not call anymore. I am requesting a full investigation of your company, to include employees-where and how you obtain your information-length of time in business and the number of complaints filed against 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 05/15/2017 about Mortgage (Conventional home mortgage) with PENTAGON FEDERAL CREDIT UNION (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was prequalified for a mortgage iao $  XXXX  with   Pen Fed Credit Union   on  XXXX / XXXX / 17  I then submitted all my financial documents, and was " Approved '' to purchase a home iao $  XXXX .     After getting the inspection, appraisal, title, insurance I was told the  UW made a mistake and denied.       Multiple Pen Fed e mployees advised me both verbally and in writing that a n UW  had reviewed the file and there were no issues.     I can understand this issue not being addressed during the Pre-qualification stage, however I submitted ALL m y Income & Asset d oc 's to PenFed on  XXXX , it too k 2  weeks to determine the loan did not qualify??     In addition, Title work, Inspections, Appraisal,  Home Owners Insurance have all been completed ... we   were set to close  XXXX . Not to mention my lease expires this month, so  I may  be potentially homeless ... .hopefully my landlord did not lease my apartment.     I can certainly understand guidelines, policies and procedures. However, the # 1 question I have is, why are we just now having this conversation?? The typical mortgage transaction should take roughly 30 days or less in a perfect world ... surely your underwriting staff is not waiting until da y 14 to  rev iew Income? ? There definitely was no delay on my end, I had all doc 's uploaded usually w ith in 24hrs .     After bein g a PenFed m ember for  9yrs I certa inly did not expect that this would be my experience, especially considering this bein g one of  the most important financial decisions of my life. I was misinformed and miseducated the entire process.

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 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: XXXX handed all my data over to an unknown third- party ( hackers ) ... .the want me to enroll in some monitoring service but what safeguards to that being compromised? What I want is access to my CREDIT SCORE 24/7 ... if hackers get it for free I want it for free to ... that info belongs to me and they will still make money selling that info to others -- -but it is me -- -my info ... .I was never asked if I wanted them to collect share or sell it ....

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 02/14/2018 about Debt collection (Other debt) with CRA Collections, Inc (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Unable to pay

Company response to consumer: Untimely response
Consumer complaint received 08-05-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted my mortgage loan servicing company, informing them that my XX/XX/XXXX payment would be late. I explained to them I would be making the payment, which is due on XX/XX/XXXX, on-line, on or before XXXX XXXX, to which they replied ok, that they would note this in my file. On XXXX XXXX, 2015 I went online and made a payment to my mortgage loan servicer Seterus XXXX for {$1600.00}. via XXXX XXXX XXXX. XXXX days later, on XXXX XXXX, 2015 & unbeknownst to me, the servicer of our loan, Seterus Inc, made an " unauthorized '' ACH withdrawal from my checking account for {$1600.00}. This placed my checking account in the severe negative and has cost me over {$200.00} in overdraft fees. When I contacted them they stated they had a recorded message stating that I had authorized the withdrawal, which is absolutely false. I simply called them out of courtesy to inform them that XX/XX/XXXX 's payment would be late. When asked for a copy of the audio tape to verify, they then changed their story, stating there was no actual audio tape just a transcript that was entered into the computer. I then asked for a copy of the transcript and I was told no. They then requested I send them written notification from my bank that the ACH would not be denied or returned plus copies of my bank statements showing all overdraft fees accrued. I have faxed these documents to them however, when I contact them for a resolution, they continue to argue that I had authorized the ACH, which is completely false.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: The numbers on my loan do not add up, and I have contacted the Fedloan Servicing Ombudsman and made multiple attempts to work with FedLoan Servicing Directly. 

For example one of my loans states the following. 
Original Balance : {$22000.00} Unpaid Interest : {$1900.00} Current Balance : {$27000.00} ( The balance based on the Original Balance and Unpaid Interest should be {$24000.00} not {$27000.00}. ( Where did this additional {$3000.00} charge come from? ) There are numerous unexplained charges like this. Approximately a year ago my balance was {$150000.00} then it went to {$180000.00} without any actual explanation. 

All this documentation is attached to the complaint. 
I have made all monthly payments, and will continue to do so, but I do not understand how FedLoan Servicing, is racking up phantom charges and interest. I fully intend to pay what is owed, and what I borrowed for school, but there is currently about {$40000.00} of unexplained charges, which interest is being applied to. 

I would appreciate any help CFPB could provide me to ensure that these balances are correct. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: Hello, I am a customer at Wells Fargo Bank. I have a checking and savings account. I opted out of overdraft services and I recently incurred fees because my bank made XXXX overdraft payments without my consent. My balance is now a negative XXXX dollars. 


Since I opted out of overdraft services these charges should have been declines. 


The XXXX payment made were on XXXX XXXX, 2015 to XXXX in the amount of XXXX dollars and to XXXX XXXX in the amount of XXXX dollars. 

The Wells Fargo website states that even if I do not have overdraft services that they will pay an item creating an overdraft or return the item as unpaid. 

I have an issue with a bank that can arbitrarily decide to pay and item without my consent at their sole discretion. I find this arbitrary and capricious and a predatory banking practice. How many customers have to incur these types of fees? 


The new banking laws were enacted to protect consumers and I have the right to opt in or out for overdraft services. I do not want my bank to decide for me. 



If there are insufficient funds in my account and a fee is incurred then that is my responsibility for not managing my account properly. I do not have to accept a service that I opted out of to pay the original overdraft to the bank and then overdraft services fees. I believe that this is an unfair business and predatory tactic used the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation