milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/19/2015 about Debt collection (Federal student loan) with Navient Solutions, LLC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: General Revenue Corporation has been calling both my cell and work phone numbers repeatedly during working hours despite me telling them that I can not accept calls at or during work. Today they called a colleague with a different phone number than my own, one that has no ties at all to me, and told her to give me a message. This is harassment and totally inappropriate. I am sending them a registered letter so they have the request in writing, but based on the experiences of other consumers, I do not expect this to be honored. I will send a second if needed, but I am not hopeful.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit card () with One Technologies, LP (MD).
Issue: Billing disputes

Complaint: This fraudulent company wrongfully charged my visa card ending in XXXX in the amount of {$39.00} on XXXX/XXXX/15 despite my having already called in 2 days prior to cancel on XXXX/XXXX/15 to cancel the ongoing membership with them before the next billing cycle began. I spoke to " XXXX '' on XXXX/XXXX/15, who went from stating he can help me with my cancellation, then in a desperate effort to keep me from canceling, holding on the phone for XXXX minutes, barely allowing me to speak. After XXXX minutes, XXXX finally told me that he had processed my cancellation request, sent me an email confirmation for the cancellation. Concerned about ongoing fraudulent billing practices and charges to my credit card, XXXX assured me that my card would not be billed any longer. 
I received the cancellation confirmation number : XXXX on XXXX/XXXX/15 indicating my membership had been cancelled. However, when I checked my XXXX XXXX checking account I discovered XXXX/One Technologies, L.P. had charged my XXXX card ending in XXXX in the amount of {$39.00} on XXXX/XXXX/15. Not only had this company billed me for ongoing service after cancellation, but they had the audacity to immediately restrict me from logging in and accessing the account. How dare you cancel my account and continue to bill me and then deny me access after you 've charged me for the whole month. Naturally, I assumed I would still have access to the account until the end of the month, being as though they had charged me already for the month of XXXX, but to my surprise and dismay they had restricted and denied any and all log-in and access to the account. How dare you. You charged me for the whole month, so I still have the right to access. I am disgusted and appalled by this scam company. They seem to take it personal, real personal when you choose to cancel your membership. They encourage, train their reps to aggressively bombard, burden, annoy and hold you up on the phone for upwards of 30 minutes by trying to distract and discourage and ultimately keep you from cancelling the expensive unimpressive, unsatisfactory services in hopes that they could persuade or should I say pressure you to choose XXXX of the for the exact same or similar, more appealing services for free or at a fraction of the cost, price it should have been at in the first place. What ever happened to just simply honoring the consumer 's request. I called you to cancel services. Period. Nothing less. Nothing more. They are hiding behind misleading advertising and false misrepresentations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-09-2015 about Debt collection (Credit card) with Convergent Resources, Inc. (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Convergent Outsourcing sent me a letter stating that they are collecting for Galaxy Asset Purchasing on a XXXX XXXX account I never had. They claim they are willing to settle for XXXX percent.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This was the closest choice to my complaint. I have tried calling the collection agency XXXX ; not ONCE have I every gotten to a representative. EVERY call is answered with " due to high call volumes we are unable to take your call ; please call back ''. This happens even at XXXX.!! I provided a copy of a letter from XXXX XXXX XXXX that this is not my responsibility and payment has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Payday loan, title loan, or personal loan (Payday loan) with SFS, Inc (NC).
Issue: Charged fees or interest you didn't expect

Complaint: XXXX XXXX, 2017 {$600.00}. I applied for a Payday Loan for {$600.00}. I did n't realize the interest rate until afterwards and saw how much I had to pay back. I called to get some clarification and was told my payments go to interest first then principal so I would be paying back a little of {$2000.00} just for the {$600.00} I borrowed. I asked how to avoid this and was told I could n't. I had an emergency when I borrowed the money but I live off of XXXX payments and ca n't afford these high interest payments. Nothing I pay back seems to go to the principal amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/26/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed the account as it was a product of identity theft only for it to be verified repeatedly. This was a lease for an apartment I never lived at.

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 09/28/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Making/receiving payments, sending money

Complaint: Hello, the bank failed to honor a properly funded payment, by the time I realized this I was late on my payment about 20 days, I had to pay late fees and my credit standing with the creditor was affected. The bank now claims that I put a stop payment on the transaction as the reason for not paying it. I have never put a stop payment on anything in over 30 years. I have asked the bank to provide clarification letters for my creditor and my credit file and they refuse. In the last few months I have had several irregularities which never happened in the previous 30 years of the account, somebody please close this bank it has become a nightmare. Many thanks for any help you 'll provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with TD BANK US HOLDING COMPANY (AE).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I are XXXX and we recently had an issue with our mortgage payment. While we had been overpaying our mortgage for the last 2 years, a change in the monthly escrow payment in XX/XX/XXXX resulted in an underpayment situation. While we were paying our mortgage payment each month, we were slightly off ( XXXX-XXXX USD ), and as a result our credit report now reflects two 30 day late payments. To be clear, we sent our mortgage payment each month, but because it was not the right amount TD Bank marked us as late until they received the next month 's payment to apply the additional {$20.00} needed. TD Bank sent notifications of the change in escrow, not to the right address. From talking to two separate TD Bank reps I understand in our account notes it shows a long history of returned mail since XX/XX/2016. Despite this mail being returned TD Bank did not call our telephone numbers on file or email us. Since initiating the dispute I looked at my account online and found I HAD updated our address online, but TD Bank required I send this request in formal writing. I did not see that request in my online account message board. 

In the attached paperwork you will see we requested TD Bank remove the two 30 day late records- based on the mail issue, the fact we were sending in payments on time, just the wrong amount, and our history of timely payments that were in fact over-payments, vice under. We also attached XXXX ( like XXXX ) explaining we are XXXX, which helps to explain why we were n't getting the mail. This is an important issue to us, as our credit scores had been XXXX, and now they have dropped significantly. 

Depite all this paper work TD Bank refused to remove the two 30 day late notices. I believe they should remove these notices as : we had updated our address online, but their system did not reflect same ; we had a positive overpayment history with this mortgage ; and TD Bank made NO EFFORT to contact us via the valid telephone numbers and email addresses online, dispite getting all correspondence returned to them. 
We appreciate your attention in this matter. Please advise if you need any other information from me. Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2017 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (PA).
Issue: Trouble during payment process

Complaint: XX/XX/2018 made a call to our mortgage company Pacific Union Financial regarding the increase in our monthly payment.  There was no communication to my husband and I that the current mortgage payment would be increased nor were we provide a letter with the option to either pay off the escrow shortage or roll into the current mortgage payment.   Pacific Union rolled in to the monthly payment which increased the monthly payment by $XXXX,  not a big deal however an explanation as to why would be appreciated.We reached out the lender to find out why the escrow shortage and why there was no communication. The two individuals we spoke to were not engaged in our issue nor did they seem the least bit concerned regarding our fustration.  The customer service was very poor and I felt like my husband and I were bothering them by even calling. When we made our XXXX payment Pacific Union referenced they were pending XXXX payment due to the increase. There was NO communication to this until I received my XXXX statement for XXXX payment.   When I called to speak to the Pacific Union I referenced we wanted to pay the shortage. They indicated it would be $XXXX which we paid so our credit was not affect as both my husband and I have excellent credit.  My concern is not one individual we spoke to at Pacific Union could explain why my escrow was short besides the fact my taxes for my property increased.  I did not receive any letter referencing any increase and when I followed up with my tax collector for our property it was indicated the taxes did not increase by $XXXX.   My complaint is I do not understand why our escrow would be short by $1,000 plus dollars when my monthly payment reflects escrow payment of roughly $600.  I want an explanation of the difference.  The issue is not the increase of the payment the issue is the lack of communication for the difference.   I asked to speak to a manager but was told the manager was unavailable to speak to me.  I am asking for a breakdown of the escrow to understand why the difference in the $XXXX.  I have read other complaints regarding Pacific Union and there seems to be a few regarding the lack of customer service as well as escrow account concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NISSAN MOTOR ACCEPTANCE CORPORATION (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I purchased a XXXX XXXX XXXX off the lot. During the purchase I was guaranteed that XXXX  would lower my interest rate after 6 consecutive months of on time payments. 3 years later and nothing. I 've called and got the run around. Gone to the dealership and they say I have to call. The bigger issue is a late payment they reported about 2 years ago that was their fault because my bank said they did n't pull the payment out. I 've asked to have it removed since it was n't late and the money was there as well as my branch manager confirming how the transactions always occur monthly. It 's not fair to continue to carry a negative that does n't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: I enrolled in a Citibank checking account in XXXX 2016 using a promotional code that offered me XXXX XXXX XXXX miles upon opening a certain type of checking account and completing specific spending and payment requirements. Over the last 5 months, I have completed the requirements in the specified time period and have also received multiple confirmations from Citibank that I was both eligible for the promotion and that I would receive the promotional airline miles. 

The miles were confirmed to be credited to my XXXX XXXX account within 10 days of my statement ending in XX/XX/XXXX. When I reached out to Citibank this week to ensure delivery of these miles, they disputed by eligibility and said I would not receive the miles as promised. 

I have attached several pieces of correspondence with Citibank confirming I was eligible and would receive the promotional miles. 

Given I was told by Citibank that I was eligible and would receive these miles, I feel that Citibank is engaging in dishonest and misleading business practices that should not be allowed. 

I would greatly appreciate the CFPB 's help in resolving this matter with Citibank. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2017 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company has failed to send out notices or contact me. I have reached out multiple times. I 've sent emails, which get sent back. This company has a credit card that was opened long ago. I 'm not even sure it should be on my credit at this point. This company is horrible and does n't communicate. They have no desire to help the situation. I 've contact them many times.

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 01-10-2017 about Student loan (Federal student loan servicing) with Lincoln Educational Services Corporation (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I got a misunderstanding of my lone, when I was singing up to go school, i think they did n't explain the student lone well. I was unemployed at the time when I first started school. I was paying {$230.00} per month, did n't know that it was XXXX different types of loans I had to pay back, not until I graduate. After I finish school they did n't even get a job as they promises, so I when back to my old job, but I only could pay for a while until this is it, am not making as much money. I thought I was mislead in that lone transaction. Am a XXXX XXXX XXXX man with responsibilities.what good paying job could they get me to pay back the lone, when the course is only for couples of months, there 's so much to learn in automotive industry, am not a well educated. So I could n't get into any step program with any of those top end dealer company. For a person with out any mechanical background it 's hard to learn most things, hands on in XXXX months. Am not in any situation right now to pay back the lone.from i graduate school i do n't do anything auto mechanic work, i do n't remember mostly nothing that I have learned. Am hardly can survive, credit shot, need help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: Dates are approximate. 

When the news reports came out saying that Equifax had known that personal consumer information had been leaked from their system, I went to the website to try and understand how I could protect myself. The website was confusing. I started the process but was still confused, so I tried to call them. 

After being hung up multiple times, I gave up. The next day, approximately XX/XX/XXXX, I called them again. After two or three calls, I got through and spoke with someone. That person said I had to use the website. I asked to speak to a supervisor, and was put on hold and hung up on. I called back, and spoke to a representative who told me I had to use the website. I asked to speak to a supervisor, and was put on hold and spoke to a supervisor who said they were only an answering service and could not help me. They said I had to contact Equifax. 

On XX/XX/XXXX, I spent a great deal of time trying to call Equifax. I tried every number I could find. All I found was voice mails and automated systems. 

On XX/XX/XXXX, I went back to the Equifax system and discovered that my information had been leaked. I tried to contact Equifax by phone. After going through many menus, their automated system told me their automated system was unavailable, and they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: U
nder the new law effective XXXX XXXX, 2017 any public record data must include Name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports with XXXX, Transunion, and XXXX.
The Bankruptcy identification number is : XXXX US Bankruptcy Court XXXX, Georgia 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 05-03-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX Account 1. The Activity Designator Is NA - And should be PAID and CLOSED 2. The Pay History is inaccurate, and was updated when the Activity Designator was set to NA - and space filled through that month. 
3. There is a Payment XX/XX/XXXX, because THE Activity Designator was changed - on this date. It is Wholly Inaccurate.. 
XXXX. The Pay History during the actual time this account was open - is missing. XX/XX/XXXX though XX/XX/XXXX. 

Please verify the account, correct the Pay History and correct the Activity Designator - OR Delete this inaccurate, and then incomplete Tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Payday loan, title loan, or personal loan (Payday loan) with BlueChip Financial (CA).
Issue: Charged fees or interest you didn't expect

Complaint: XXXX is a tribal lender that is not a legal lender to date they have been paid XXXX on a XXXX dollar loan. And are demanding another XXXX which I do n't have. I am in chapter XXXX bankruptcy and this loan should be paid in full with the money I have paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have notified XXXX XXXX XXXX that they are inaccurately reporting that I was late XXXX and XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Loan modification,collection,foreclosure

Complaint: failure to provide continuity of contact in a timely manner. on several occasions over the past couple of weeks both via e-mail and telephone I have asked Ocwen to contact me regarding questions I had about their loan modification offer. to date they have failed to contact me regarding.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have XXXX now asked for the method of verification that Equifax is using to report public records. I 've filed XXXX dispute through CFPB ( XXXX ), and Equifax stated that " Equifax reviewed the complaint, its records and initiated a reinvestigation. *Equifax did not receive any additional communications from the consumer during the review of the complaint. " I am getting tired of wasting my time. I have the right to know how the are verifying information. They have had XXXX opportunities to provide me with that information. XXXX times they have failed to do so. Per Per FCRA Section 611 ( a ) ( 6 ) and ( 7 ), I have a right to be told. I 've checked with XXXX Courts, and the Courts are not giving them this information.

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 EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: In XXXX, I sent a letter to Equifax asking them to investigate mistakes on my credit report. Its been almost two months since I sent in my letter. I 've even sent follow-up letters to them, and they still have n't responded.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TX).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I received a letter from XXXX On XXXX XXXX 2017 for a XXXX XXXX with XXXX XXXX which i never applied for so someone is using my info to get credit cards under my name so concerned about my identity and personal info bieng used.

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