milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (UT).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: I`ve applied for a " Secured Card '' Credit Card service With the Wellsfargo Bank on XX/XX/XXXX ; It was explained to me by the banker on this occasion that this card will receive as a transfer from my checking account a amount of {$300.00} in 3 to 5 businesses day after I receive the card, but actually this happened the other way around, yesterday XX/XX/XXXX, the Bank charged me the {$300.00} already, I went to my mail box to check if the card has arrived and instead I got a letter from them telling me my information was still being verified, I called them and went to the branch to talk to the banker and I was told twice I got it wrong and that the process is charge first then send the card later, now, because they did that My account reached {$0.00} Today and I was left with nothing ; I asked them to cancel the card then and give my money back and I was told that this process would take 15 business day to reimburse me ; they also fail in confirming that the card was send, they only told me I " Should be good '' meaning I should receive the card in 5 Business Days because the money was already taken from me ; so long history short : they offered me a credit card charged me before I had it, won`t give back my money and I was left with a " Should be good '' answer.

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 05-05-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (CT).
Issue: Problems caused by my funds being low

Complaint: A stop payment was placed on an item from XXXX in the amount of XXXX today, the item is currently pending out of the account as of today, XX/XX/XXXX. This item is a charge from XXXX for insurance on a car rental, the reservation is from yesterday, XX/XX/XXXX. XXXX, the car rental company, charged additional insurance at time of vehicle pickup. Their rep failed to see insurance was purchased prior. I spoke with an XXXX rep earlier this evening named XXXX, she was able to refund it but there is a stop payment fee in the amount of XXXX charged by TD Bank. I need this refunded

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/21/2018 about Debt collection (Other debt) with Social Finance, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX turnedmy account over to XXXX. I settled my account with XXXX  for XXXX on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: My Tranunion score was showing a XXXX on XX/XX/XXXX. On XX/XX/XXXX I received 3 alerts from XXXX XXXX, XXXX   XXXX, XXXX XXXX and XXXX XXXX XXXX from XXXX  that monitors all 3 credit bureau.. One of my TransUnion alert was an increase of XXXX on a XXXX XXXX credit card, another alert said I was added to an authorized user with a XXXX credit limit, and the other said I had a TranUnion decrease on my credit score.. After reviewing my TransUnion credit report I noticed a drop from XXXX to XXXX so I then looked at my XXXX  and XXXX reports and both of them was increased by a few points for the XXXX increased credit card and the XXXX credit card authorization on my account.. XX/XX/XXXX I called XXXX and ask them why did my fall scrore drop dramatically instead of going up because everything that was posted on XX/XX/XXXX was positive and the representative couldve give me an answe ... I been working trying to get my credit scrore decent enough to where I wouldnt be in bondage and have to suffer an high interest rate considering the credit bureaus determine pretty much our futures bye having control of our credit scores.. if these credit bureaus can keep our scores low enough to where they can profit than they will.. I worked hard to get my score at XXXX and every month I pay my bills on time and my score slowing increases by 2-3 points every month until now.. this is the second time Tranunion has deceived me from my credit score raising.. and it wasnt nothing I could do about it but work twice as hard to get it back up and then it happens again ...

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 02/28/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My student loans ( like several others I 've talked with ) have been an absolute nightmare with XXXX XXXX ( Navient ). I was led to believe I was getting a loan with deferment and no payments while in school, and since I was desperate and needed something to finish my last year XXXX. Lo an behold, they started calling me excessively, sometimes even 5 times a day asking for money I was told I would not owe, and as a result I 've never really been able to catch up ( although I do make payments when I can ). They have been unwilling to work with me on a plan to get my payments back on track 3 times that I have tried, and as a result the excessive call continue. They usually call from XXXX of XXXX numbers, and would usually leave voicemails until my inbox was full.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: A severe violation of the FDCRA law has occurred, particularly FCRA 611 Procedure in case of disputed accuracy ( 15U.s.C. 1681i ) Requirements relating to reinsertion of previously deleted material. Because I have been a victim of fraud, I have credit monitoring services for Transunion, XXXX and XXXX to keep me abreast of any changes to my reports. On XX/XX/2017 I received notices that from XXXX and Transunion both that they had deleted an collection account from my report, XXXX, I went to verify and sure enough it was deleted. However, when I went back to check it was reinserted on XX/XX/2017. The law states that a consumer reporting agency shall provide to a consumer in writing no later than 5 days after the reinsertion date. To date, I have received no such notice. This is a complete violation as I have not been notified and when I called the Special Handling Department and spoke with a US Agent, they said that it was nothing they could do unless I disputed it. However according to the law they FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THAT IS NOT TRUE. 
I am desperately seeking your help to get the XXXX account removed from my Transunion credit report because they violated the law and re-inserted 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 04/27/2017 about Debt collection (Other debt) with Diversified Adjustment Service, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have received numerous phone calls from a debt collector nam e Diversified Adjustment ev ery day in reference to a debt they say I owe to  XXXX . They want my checking accounts numbers or debit account numbers over the phone in order to satisfy this debt I said to have information written to me so I can send this payment owed with a checking account. Again I do not kno w Diversified Adj ustments and the constantly call. I tried to send a email but the email server said they do not exist. The number they use is  XXXX   (   XXXX   )   XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Debt collection (Medical debt) with EQUIFAX, INC. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: pursuant to FCRA they did not provide a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) ... ( A consumer contract with my signature on it ) in under section 611 ( 5 ) ( A ) of the FCRA- you are required to ... properly delete all information which can not be verified The law is very clear as to be civil liability and the remedies available to me for negligent non-compliance

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am having a difficult time paying my student loans, through Navient, so I put in for a income driven payment plan, and the result was I had to pay {$0.00} last year for my loans, but the interest would still accumulate but I could make interest payments if I wanted to. I am doing this off of the top of my head, so XX/XX/XXXX when that year ended, I had to send in my income tax papers, and I will say here, I made {$24000.00} XX/XX/XXXX, so they based my payments from that. So they expect me to make payments of {$69.00} a month, let me tell you this, I am a XXXX year old widow, who has electric heat as a heat source, works part time at {$13.00} an hour as a XXXX, I drive a vehicle that is 17 years old and I also had to pay {$56.00} a month for that stupid Obama care insurance that I did not use. 
First I get a notice that I have a payment due of {$240.00} on XX/XX/XXXX, got paperwork in for the income driven then they modified the payment, and also changed the date of XX/XX/XXXX. 
Is there any way your agency can help me? 
Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Using a debit or ATM card

Complaint: I HAD SEVERAL ISSUES WITH MY CHECKING ACCOUNT SOMETIMES I WOULD NOT COMPLAIN I LIKED MY BRANCH IN BKLYN. A FEW TIMES COMPLAINTS OF MISUSE OF MY ACCT WERE NOT SEEN AS SUCH AND I WAS DENIED MONIES THAT I DID NOT SPEND I AM A XXXX XXXX LIVE DAY TO DAY WORKED XXXX YEARS IN ANOTHER BANK PERSON. ALL MY BILLS MY PENSION MY INSURANCE PAYMENTS AND OTHER THINGS CAME OUT AUTOMATICALLY. A PHONE CALL OR LETTER OR AN EXPLANATION OF THE ACTION THAT TOOK PLACE WOULD AVE ALLOWED ME TO GET SOMEONE TO HELP ME REARRANGE MY FINANCIAL SITUATION. I WENT INTO MY ACCT ONLINE AND CALLED VA. TO BE TOLD THAT MY ACCOUNTS WERE CLOSED. I TODAY AM MAKING PHONE CALLS STILL, I HAVE CHECKS I CAN NOT SEE XX/XX/XXXX OR XX/XX/XXXX STATEMENTS I WAITED XXXX DAYS FOR MY MONEY TO ARRIVE TO ME IN XXXX, I RECEIVED XXXX DOLLARS LAST YEAR I PUT IT IN YOUR BANK PROBLEMSAROSE SHOULD I PAY XXXX FOR ITEMS I DID NOT BUY? XXXX DOLLARS FOR SNEAKERS FROM XXXX? EVEN MY BRANCH COULD NOT GIVE ME ANSWERS. MAYBE YOU CAN THIS WAS A TERRIBLE ORDEAL I FELL XXXX FROM IT AND I WOULD LIKE AN ANSWER, I SHOULD BE COMPENSATED I SHOULD BE ALLOWED TO CONTINUE TO HAVE AN ACCOUNT. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I have been slightly overpaying on my SLS mortgage ( just a few dollars a month ) since it was sold from XXXX to SLS. For quite sometime SLS could not give me access to my account online ( I filed an official complaint with them last month, to which they finally " fixed it '' ). But now when I can see my transaction history, instead of crediting my " extra principal '' to pay down my loan, they have been allocating these extra payments to " late fee '' -- not at all reducing my principal. I am sending them a complaint as well, but they are horribly non-responsive and I believe this could be a systemic issue given it appears to be done automatically all the time.

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 03/25/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I was checking my credit report and I realized there is a collection in my history about an student loan and a " Judgment '' which was disputed long time ago and was removed from my credit report by XXXX XXXX and XX/XX/XXXX but Equifax. I have contact Equifax several times and explained to them my reasons, but they keep showing these XXXX wrong info in my credit report which cause me huge financial burden and problem.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Settlement process and costs

Complaint: I have a mortgage with Caliber Home Loans ( Account XXXX ). This Bank and prior banks are changing from Bank to Bank my account. I would appreciate if you help me to send to XXXX Bank. In XXXX Bank I have my checking account and is easier for me to pay my loans. I want to consolidate all my loans here. 
I also need your help to review my account in this Bank ( Caliber Home Loans ) because they are charging escrow amount that I am not agreed. 
Thanks XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Mortgage (Conventional home mortgage) with FIRST AMERICAN FINANCIAL CORPORATION (NV).
Issue: Closing on a mortgage

Complaint: THIS IS NOT A DUPLICATE COMPLAINT! XXXX XXXX XXXX RAISED ADDITIONAL QUESTIONS! XXXX XXXX XXXX stated in CFPB complaint # XXXX that First American responded to each of XXXX XXXX 's several complaints. The facts are : this complaint asked the following questions. Is n't it a fact that all original mortgage documents are suppose to be sent to the lender by XXXX, XXXX or USPS with tracking. I further asked ; is n't it a company policy of First American to maintain accurate records. Now ; per your written response date XX/XX/XXXX, you failed to answer all of our questions. 1st ; is First American aware of 18 U.S Code 1001,  false statement? Yes or No! 2nd ; is it safe to assume that when a company sends a title transmittal ( cover letter ) the letter will state in the transmittal letter every document that is being sent? Yes or No! 3rd ; did XXXX XXXX XXXX state in the title transmittal that First American enclosed the original Deed of Trust with the Policy of Title Insurance? Yes or NO! 4th ; is it safe to assume that since the original Deed of Trust was not mentioned in the Title Transmittal, the original Deed of Trust was never sent with the title transmittal? Yes or NO! 5th ; Is n't it a fact that all original mortgage documents are suppose to be sent to the lender by XXXX, XXXX or USPS with tracking. Yes or NO! 6th ; is n't it a company policy of First American to maintain accurate records. Yes or NO! 7th, where ( what location ) within the closing instructions reflect that the lender, XXXX XXXX XXXX stated to send the original Deed of Trust with the policy of Title Insurance as you stated in a previous CFPB complaint? Please answer our additional questions. Be informed that your answers provided will be used for court purposes!

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (Credit card) with Nations Recovery Center (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX, XXXX, XXXX contacted my place of employment on XXXX, they then called my cell phone, there were no calls to me prior to that date. When I spoke to representative, I advised him to not contact me at work nor to call my cell phone. The individual proceeded to threaten with garnishing my wages, etc. was extremely aggressive and rude to both myself and my co-worker. When I spoke with his XXXX, he was also advised on XX/XX/2017 not to contact my place of employment or my cell phone, they were provided with an email address to utilize as a point of contact. However, they 've failed to do so and called today at approximately XXXX. Seeing that both calls were recorded, and they were advised pair the Fair Debt Collections act that when asked to cease communication via telephone, they are to comply..of which they are not ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/24/2017 about Debt collection (Medical debt) with GLA Collection Company, Inc. (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company does not have a contract with me. This is not a valid debt. NO CONTRACT. This is a violation o  f HIPAA as well as the Fair Credit Reporting Act.
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from GLA Collections.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA   authorization.     Please provide breakdown of fees including any collection costs and medical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.       XXXX   XXXX    XXXX   XXXX  needs to send this information to me for review, accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an a ttempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.      Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.     Dates :  XXXX  amount {$140.00}  XXXX  amount {$240.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I tried to dispute several credit inquiries with the XXXX major credit bureaus. They informed me I must contact the source of the inquire to dispute. I sent a certified letter to each creditor at they address they chose to list on their inquire. I explained I do not recall applying for credit at their place of business, I explained however if they found I was in remiss to send any and all supporting documents to me so I could review. I did not receive a response from XXXX of the creditors listed. I provided all credit bureaus with a copy of the letter I sent to the creditors and the page showing they signed for said letter, which reflected their thirty days had transpired to respond. The credit agencies are still refusing to delete, I did everything I am required to do by law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Payday loan debt) with Alliance Group & Associates LLC (TX).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I received a call from this collection agency on XXXX/XXXX/XXXX concerning my debt with XXXX XXXX XXXX. The debt totaled {$1400.00}. I made a down payment on XXXX/XXXX/XXXX of {$140.00} and have been making payments of {$86.00} until this month when I stopped. Reason I stopped I called them a couple of weeks ago and asked for early payoff and they would not even discuss it. When the arrangement to make payments was made the contact person coerced me into making the arrangements by threatening me saying, '' You had better not miss a payment ''. I took this as a threat to take legal action if I missed a payment. According to the attached state of Texas statue this is totally against the statue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I graduated in 2010 and could not find a job in my field right away and could not afford the payments with XXXX, then my loans were transferred to Navient. With Navient I got a new billing system and a new website and they put me at I wanted to make payments but was told I could just go into forbearances until I was able to pay the amounts. I wanted to make payments but simply could n't afford the rates they wanted so I went into forbearance multiple times. I recently had a discussion with a co worked who has student loans through Navient and she had the same complaints I did and expressed the same feeling of never being able to pay them off. I am finally at a job where I am getting a steady income and now I am paying as much as I can. I then had an issue where the company I work for could not pay me on time so I wanted to make a payment but was n't sure when it would withdraw. The lady I spoke to recommended a short forbearance and mentioned that the principle would go up. still. This is the first time I can ever recollect being informed of this. I then got to looking and noticed that yes even though I am paying $ XXXX a month my overall balance is only going down maybe {$4.00} a month. If I had known before that my principle would still go up I would have found another way to pay ( like I wanted too ) instead of going into forbearance so many times like they recommended. I work XXXX hours a week and want to pay my debt off but it seems impossible at this point and I do not understand why a company would work against people who are trying their hardest to pay their loans off.

Company response to consumer: Closed with explanation