milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This debt was included in a Chapter XXXX BK XXXX filing. This has been addressed by the CFPB previously and the collection agency stated they would stop all collections and remove debt from my credit report. This debt has now been added back to by credit report and the collection calls has returned.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 02-01-2018 about Mortgage (VA mortgage) with LoanCare, LLC (FL).
Issue: Trouble during payment process

Complaint: I did a modification with loan care XX/XX/XXXX which cleared any past due balance with this company, during this time i was in bankruptcy. in XX/XX/XXXX the bankruptcy trustee sent loan care a check for {$18000.00} this was done in error the trustee was unaware the modification was in place when he sent loan care my money, Bankruptcy did not end in XX/XX/XXXX it was extended to XX/XX/XXXX XX/XX/XXXX loan care informed me they would send the check back to the Trustee this never happened, when the bankruptcy ended in XX/XX/XXXX I was waiting for the trustee to send the check to my attorney, this is when I found out loan care never sent it back. this company stole the money and did not apply any of it to my account, loan care is saying i have not made a payment since XX/XX/XXXX and i am now XXXX XXXX in the neg and they are going to start foreclosure proceedings they are refusing to take any payments unless paid in full, they talked really nasty to me, long wait time on phone, they told me they were not giving it back, my car is about to be repoed and my attorney has not been paid loan care stole my bankruptcy funds that came from my veterans XXXX check and forcing me in to foreclosure again also charging me over a thousand in interest when they have had my check since XX/XX/XXXX the are giving me the run around.

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 02/14/2017 about Credit card () with BARCLAYS BANK DELAWARE (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I submitted a list of unauthorized charges to Barclays bank. They did an exhaustive review and I have a recorded conversation that revealed they reviewed the charges and agreed that the charges were unauthorized. They further sent a letter saying the same that the charges were unauthorized. Late in the game, some adjustor named XXXX stepped in and decided out of the blue that all of the charges were legit and reversed all the credits a previous adjustor found unauthorized after that previous adjustor reviewed for months ( XXXX reviewed for 72 hours ). Over the phone XXXX said it was because of the fact that the charges were XXXX charges and that on my XXXX profile there 's a photo of my wife and I in XXXX ... .Well yes, XXXX that is accurate. 18-24 months before the unauthorized charges took place, i proposed to my wife in XXXX ( I did n't know that was illegal or that deemed someone allowed to use my credit for unauthorized use at their leisure after the fact and I foot the bill ). There is a clear time stamp on this photo in XXXX which I willingly faxed to XXXX. I, also to show XXXX I was n't in XXXX when the charges took place, faxed him a copy of a doctor 's report for my ongoing XXXX case that clearly shows I had a doctor 's visit in XXXX when charges took place in 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 01/25/2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: Citi credit card named " My Best Buy ''. I have been a customer with a meticulous payment history for over 10 years contacted me to try to collect a payment they felt was past due. I provided the electronic payment information from my bank to them to prove they had been paid weeks ago. They refuse to acknowledge payment and have tacked on interest and late fees. I have made countless efforts to resolve and have asked for a Supervisor to call me, to no avail. I contacted my bank and they confirmed that Citi was indeed paid and have also sent proof to them. Still, they will not acknowledge it. I have spent several days and countless hours trying to get them to do the right thing and they refuse to fix the problem, or to allow me to speak with a Supervisor.

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 02-03-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: We secured an assumed loan in XXXX XXXX through Greentree Lending Services and have made payments ever since. The loan was to be fully amortized through XXXX XXXX. Greentree has since been absorbed by Ditech Financial. Ditech claims the loan matured in XXXX of XXXX and they have been calling on the phone at least weekly saying we are past due and need to submit the balance. We have continued make the monthly payment and have only 7 payments left. We have submitted the original paperwork to Ditech, but they have failed to respond. Just more calls every few days. Some have said just continue to make payments, others demanded the loan in full. I have asked over and over again to have someone call about the note, but no one has, only their collections department. We feel they are abusing us and that they are about to turn derogatory information into the credit bureau. We need to get this fixed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2017 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: Information belongs to someone else

Complaint: In 2014 my wallet was stolen with all my identity inside i went to XXXX police department and filed a report then had to go to social security office and also report it and they told me that if anything comes on my credit after that date it would not go on my credit and i had been fighting this with all 3 credit agencies and they have been ignoring me please help me and remove this from my credit. here is the number XXXX the company is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Synchrony Bank repeatedly calls multiple times a day, sometimes about every two hours between their allotted harassing time. They always use a masked telephone number, presumably so I ca n't block whatever number they are calling from. Since my cell phone is also my work phone, their repeated calling disrupts my everyday work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2015 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage servicing company is trying to trick me out to assess NSF fee inspite of receving the mortgage payment for the month. There were XXXX mortgage payments made in the month of XXXX 2015 my mistake in e-bill payment. Mortage company was notified about issue immediately about it. Customer service rep at Mortgage company informed me that XXXX payment will not be cleared and not to worry. But after a week Mortgage company sent me letter with NSF fee. I have contacted that mortgage payment was already paid for the Month of XXXX 2015 asked to remove the NSF fee. But Mortgage company is is not removing the NSF fee. I would like CFPB to help me in removing NSF fee and alert consumers of the unfair trade practice of the Mortgage Servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Dovenmuehle Mortgage, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: As part of an buildings insurance claim I received a check from my insurers made payable to myself and my mortgage servicer ( Dovenmuehle Mortgage of XXXX XXXX, XXXX XXXX, IL ) for {$25000.00}. I endorsed and forwarded this to my mortgage company as instructed by overnight fedex on XXXX/XXXX/15. I then had an inspection of my property completed which showed the work was XXXX % completed. I was then told I would receive my money, which did not ahppen.. Still no check was forthcoming so I called and was told I would now need another inspection which was completed and I was then told my contractor must sign a lein waver which he did. Then they sent me my {$25000.00} in form of a check made out to myself and my contractor. No bank would accept the check and I asked them to re issue the check in just my name as they had an inspection showing the work was completed and they had a lien waver from the contractor so they knew he would not place a lien impacting their colateral. I was then told I needed to provide a letter from the contractor saying the bill was paid in full and he was not owed any more money. I then provided this to the mortgage company who said I need to return the original check to them before they would reissue the check, I asked them to just stop the original check, they refused as it would cost them money. I sent the check overnight by fedex and they received it on XXXX/XXXX/15. Here we are on XXXX/XXXX/15 and still nothing has been received. My belief is that this is a delaying tactic to hold onto funds as long as possible to maintain liquidity and earn interest at the borrowers expense. Luckily this was not a claim at my principal residense, and that I had the funds to get the work done or I shuidder to think what would have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This company keeps re-aging these two accounts on my credit report and every time they keep re-aging these charged off accounts it drops my score. They are doing it on purpose to drop it which is causing me harm and emotional stress and is against the Fair Credit Report Act. Here is the company below along with orginal creditor info and the two accounts. PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX org creditor XXXX XXXX {$1100.00} PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX org creditor XXXX XXXX XXXX XXXX  {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Consumer Loan (Installment loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Taking out the loan or lease

Complaint: I BANK FINANCED A CAR AT A CAR LOT CAR HAD PAPER TAGS PAPER TAGS EXPIRED SO I WENT BACK TO LOT TO GET PLATES TO FIND CAR LOT HAD GONE OUT OF BUSINESS THE NEW OWNERS GAVE ME OLD OWNERS NUMBER I CALLED HIM HE TOLD ME TO CONTACT BANK AND THEY WOULD GET ME PLATES WHEN I CONTACTED BANK THEY HAD NO IDEA LOT HAD GONE OUT OF BUSINESS AND STATED THEY WOULD OBTAIN TITLE AND PLATES FOR ME THAT WAS XXXX 2016 AND STILL AS OF TODAY I DO NOT HAVE TAGS FOR THE CAR SO I CANT DRIVE THE CAR OF PURCHASED XXXX/XXXX/16 BECAUSE THE BANK CAME BACK AND STATED THE CAR LOT NEVER COMPLETED THE TRANSFER OF TITLE FROM THE PREVIOUS PLACE THEY HAD GOTTEN THE CAR FROM SO THEY SOLD ME A CAR THEY DID NOT HAVE POSSESSION OF. IVE BEEN CATCHING THE BUS XXXX AND PAYING FRIENDS AND FAMILY TO TAKE ME HERE AND THERE AND BACK AND FORTH TO WORK MY CHILDREN HAVE BEEN LATE FOR SCHOOL ON NUMEROUS OCCASIONS AND ME AT WORK HOWEVER IM STILL MAINTAINING INSURANCE ON THE

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: when I try to get my credit report I 'm asked security questions like what bank do I have my car loan through and what bank is my mortgage through when I answer none above it says I have answered questions incorrectly when I do n't understand why when I do n't have a car loan nor do I have a mortgage and I have never lived in the states these loans are. So it want allow me to see my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent a letter to Experian letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Experian has not removed the accounts and have sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus. The information that has been reported has been due to identity theft and has already been investigated however, Experian is neglecting to delete these items from 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 07-06-2015 about Money transfers (Domestic (US) money transfer) with Google Compare Credit Cards Inc. (CT).
Issue: Other transaction issues

Complaint: A funds transfer in the amount of XXXX was made from my checking account ending in XXXX to Google Wallet account, canceled within a minute. However, the funds were still taken out of XXXX Bank account, causing an overdraft. A fee in the amount of XXXX is charged for for this, the item was paid. XXXX Bank will not refund this as it is not their error. The email address associated with Google Wallet is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Mortgage (FHA mortgage) with Selene Finance LP (IL).
Issue: Loan modification,collection,foreclosure

Complaint: The issue that I am having with Selene Fiance is unprofessional service and avoidance of reviewing my updated documents that were requested of me to send for a modification that would enable me to keep my home. I am working with a HUD approved agency and I have signed a completed package and dated with all information requested three times. The first XXXX was rejected and I filed an appeal with additional income included which was rejected for insufficient income and I complained to my counselor and Selene. My counselor spoke with Selene Finance and they acknowledged that it was an oversight on their part for not including the additional income. The application was resubmitted. Once this was done they did not reply for over 60 days and when called for status checks I was under review then I was told that the old letter that was sent to me for the previous submission was my outcome. The fact is ; they did not consider the XXXX application that I sent them. This has caused me to become further and further behind on my mortgage payments and my unpaid balance is rising so that it could become impossible for me to keep my home of 14+ years. I received the XXXX request XX/XX/XXXX to send several items again that were already sent. This is a repeat of the mortgage disaster that began XX/XX/XXXX where mortgage companies disrespected the home owner. I am appealing to the CFPB because this has got to stop, these institutions need to be held accountable and pay for their mistakes and not charge the consumer all the cost. I should have a FHA modification and if they have caused me to have more months then I qualify for they should be removed and any additional charges that I may receive. I am retired and on XXXX and my uncle lives with me permanently. I am writing to let others know that they are not alone with the mistreatment that we homeowners are experiencing from these servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I received late fees/charges on 30 days in XX/XX/XXXX and in XX/XX/XXXX.

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. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Enclosed evidence of errors in Credit report. Wrong information regarding XXXX XXXX mortgage report, per enclosed 4 pages of evidence ; 1 ) XXXX XXXX action following a late payment dispute, was to refund to my husband and l, 100 % ONE HUNDRED PERCENT, of all late charges, XXXX refunded to us over {$4900.00}. 2 ) At no time during this dispute did XXXX XXXX apply late charges in 2016. 3 ) XXXX actions prove the dispute existed .At that XXXX were guilty of wrongful actions against their customers, which is part of the public record. . 4 ) The Credit Agency, in wrongfully showing late charges that were refunded to us, seriously harms us. We cant get a new mortgage, which is depleting our savings. Current cost to us is very substantial, over 100.000.00 And growing by the day. 5 ) In refusing to alter the record, the Credit Agency unfairly negates our right to dispute XXXX XXXX Mortgage Banks unfair 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 02-07-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NJ).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: In XX/XX/XXXX, XXXX XXXX introduced a new rewards program for their cardholders which allowed you to accumulate points ( by purchases ) that ultimately earn 5 % cash back. The details of the program state that once your spending level reached {$1200.00}, the customer is able to begin the accumulation and move to platinum status. My account accumulated over {$2000.00} but my status never moved to platinum, nor did I receive the benefits of the 5 % cash back. I contacted XXXX 's several times between XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX to advise them of the error. Each time I was told that my account would be reviewed and asked to wait. Initially, they did nothing. After the holiday season, they updated my account status to reflect the platinum level, after I brought their system error to their attention. However, to date, I have not received the benefit of the cash back reward. I exceeded the required limit by XXXX. Ultimately, XXXX XXXX owes me approximately {$40.00} in cash back rewards. On XX/XX/XXXX, I received a new card in the mail with a notification that I am a platinum level customer, 3 months after the fact. I feel that they are simply avoiding admitting to their error. This is a dishonest practice. I am a consumer!! They accept my payment each month with no problem. I expect reciprocation with respect to the way that I am treated as a consumer. I have advised them that I have screen shots from each time that I contacted them, supporting my claim. They would not provide me with an email to send them to. Hopefully, you can assist me. 

My name, address and account # are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX, NJ 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 04-05-2017 about Bank account or service (Other bank product/service) with UBS BANK USA (CA).
Issue: Deposits and withdrawals

Complaint: As a former employee of XXXX, I participated in an employee stock purchase program managed through UBS. After leaving XXXX I continued to hold my XXXX shares with UBS and managed dividend stock purchases and disbursements through their website. I held a " paperless '' account with UBS for 11 years, receiving statements and notifications via email. Today I logged into my UBS account to execute a sale/disbursement but was not able to make the transaction and was instructed to contact UBS. I called UBS and was told that my XXXX account had been transferred to a " wealth management '' account but I could not transact shares through that account. In order to complete my stock sale, I had to pay a {$75.00} annual fee for the wealth management account I was never notified of and a {$70.00} fee to sell the stock! My complaint is UBS making this account change without prior notice. Had UBS notified me prior to these changes, I could have liquidated my account and paid no {$75.00} annual fee and no {$70.00} transaction fee. This is robbery on the part of UBS.

Company response to consumer: Closed
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: On XXXX XXXX, 2017 I completed the TransUnion Disclosure Request Form, filling out each line request : Name, SSN, Current Address, Previous Address, Other Names Used, Date of Birth, Then under the Proof of Current Address I sent copies of : Driver 's License & current Utility Bill, Then under Proof of Social Security Number I sent a copy of : Social Security Card, Then under Proof of Date of Birth I sent a copy of : California Birth Certificate. I copied each of these for my records, sent the envelope Certified Mail Return Receipt Requested. On XXXX XXXX, 2017 I received a return letter with the following statement : Re : Proof of Address Unacceptable - Reason # 3 = One or more of the documents provided was not a qualifying document. I have re-evaluated all the copies of the documents that were submitted and all fulfill the requirements as requested. I feel that I feel that this Credit Reporting Agency is not providing me with my request for a free annual report due to the fact that the company is requiring to get a payment before the company will sent the report and is in violation of the Fair Credit Reporting Act.

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