milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2017 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: Public record information inaccurate

Complaint: This complaint involves   XXXX   XXXX   XXXX   on  XXXX , Partial account number   XXXX   Date opened :  XX/XX/XXXX  Type : Auto Lease. Status ; Discharged thru bankruptcy Chapter  XXXX  Account history Debt included in Chapter  XXXX  Bankruptcy on  XX/XX/XXXX .
This information is inaccurate.
This leased vehicle was kept in my possession until i purchased it and financed it with   XXXX   XXXX   XXXX   XXXX   in  XXXX .. This account is also on my credit report as ;   XXXX   XXXX   XXXX   XXXX  , Phone number   XXXX   partial account number ;  XXXX , date opened XX/XX/XXXX . I just recently traded in the vehicle 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 04-11-2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Deposits and withdrawals

Complaint: I deposit cash to ATM and atm was broken and no reciept to money bank refuse to investigate and return. 
XXXX stole my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: as many americans, my XXXX shopping last minute. so i decided to multi task so i ordered somethings online XXXX XXXX XXXX XXXX. its XXXX XXXX and do you think XXXX will deliver? they promised it be here and its not. so its still my right to get cash given but no exchange pf goods snd or services agreed on. 
no reason to wakd the XXXX XXXX XXXX est on XXXX XXXX am i wromg?

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: XXXX haven't been updating my information ( Credit Score ) since XX/XX/2014.

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 01/27/2018 about Payday loan, title loan, or personal loan (Installment loan) with Rosebud Economic Development Corporation (OH).
Issue: Charged fees or interest you didn't expect

Complaint: I inquired about skipping a payment. I was informed that it was a one time accommodation made to customers and it would have no negative effects on my loan with regard to additional interest and fees. Due to my lack of trust with these companies I still requested that the deferred payment be processed along with the next due because I didn't trust that they would uphold the agreement. I was again told that I had nothing to worry about and the final payment would be debited on XX/XX/2018. Payment was debited as scheduled for {$86.00}. All twelve payments have been made per my bank records. They are stating I owe and additional {$290.00} and asking me how I plan to get my account back in good standing. It is in good standing!

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 02-06-2018 about Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Struggling to pay mortgage

Complaint: NationStar or " Mr.Cooper '' is the service company - Loan # XXXX. At end of the foreclosure process - they sent notice of the Service Member paper work indicating that I was not a service personnel and the next notice I receive is that on XX/XX/XXXX summary judgement was issued. We were waiting for the court date and were not notified so were unable to send our new attorney to request a short sale since we believed we had used up all our legal options. 

Our original attorney since XX/XX/XXXX - XXXX XXXX - had withdraw from being our attorney in mid - XX/XX/XXXX. The bank 's foreclosure attorney had that information since they were in court. 

When I called NationStar aka Mr. Cooper and spoke to customer service last week I was informed that they had gotten statements back back that were sent to Attorney XXXX but had not called me to find out if something had changed. They told me that the foreclosure department does not " talk or communicate '' with the customer service department. They were fully aware of all that had transpired - court date, sheriff 's sale date - so someone had told them this information. One of the agents I spoke to told me that they had called the attorney back in XX/XX/XXXX but had not called since because they had gotten busy with " hurricances and floods ''. I asked to have the issue escalated and spoke to another agent that gave me an email to escalate my concerns to - XXXX. I sent an email this past weekend and have not heard back from anyone. 

We want to be given an opportunity to do a short sale instead of having a foreclosure on my record - they told me to go via XXXX but that they could not guarantee that I would be given time to do the short sale. As you know, there is a lot of paperwork involved in doing a short sale and putting it into XXXX. I know since I am also a XXXX XXXX XXXX who has done XXXX XXXX for my clients since XX/XX/XXXX. 

I would like Mr. Cooper to give me a chance to do the short sale - a minimum of 120 days to list the home, get a buyer and submit the necessary paperwork. 

Just because I was not notified of the final court date and the sales date was escalated some how in one of the largest counties in the state only adds to my curiosity on how they managed to do this. 

My reach number is XXXX - my email is XXXX Any assistance would be appreciated since Mr. Cooper does not seem to want to respond to me at this point. The property is finally at least at market price. My son and his wife have lived in the unit and will also need additional time to leave if the court date can not be stopped for some reason. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Debt collection (Other debt) with M. G. Credit, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On or around XX/XX/XXXX or XX/XX/XXXX I think not percent sure but I went to MG Credit here in my city of XXXX FL and I spoke to a XXXX XXXX male, at a house where when I walked in there were dogs running around so I 'm not sure if they were a business or not.But I saw a new debt on my credit report regarding a gym membership and announced who I was and that I may know about debt but was n't sure.i ask if I can pay for delete and get a letter before I make some kind of payment but he insisted that I pay first then he would give me a letter and delete information.It sounded sketchy so I left.As I walked out of door I also thought to myself that they never sent information in the mail nor validate the debt showing that I 'm obligated to pay MG Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Wells Fargo would n't let me consolidate or reduce monthly payments as per my income. They also defaulted XXXX of my XXXX private loans I had with them despite me making partial payments. On a separate occasion I received email notification that someone tried logging in to my account and that my account had been locked. I was forced to call them to re-open it and when I told them about someone other than me trying to access my account they ignored me. Furthermore, they were harassing me for payments while in school around XXXX of 2015. I was never offered a grace period after graduation in XXXX of 2015 and they ended my in-school forbearance two months before it was scheduled. I understand that I may not receive anything for this but this should never happen to a student regardless of situation.

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 07/16/2015 about Consumer Loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (OK).
Issue: Problems when you are unable to pay

Complaint: I told them I could work out an arrangement with World Acceptance Corporation. They said no. They keep calling my job after they told them no.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Debt collection (Private student loan debt) with SIMM Associates, Inc. (VA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: I have several collection accounts or student loan debt on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX Delaware XXXX. RE : XXXX -On behalf of XXXX XXXX. Please be advised that I 'm disputing these collections due to the fact that we have chosen to work directly with XXXX for lowering payments. I 'm disputing these collections due to the fact does not currently have a a valid license to collect debt in the State of Virginia according to the Virginia department of XXXX XXXX for verification. I am requesting that you delete these accounts from my credit file or provide me physical proof that they are licensed to collect debt in Virginia.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NJ).
Issue: Trouble during payment process

Complaint: in XXXX of 2017 Citi mortgage sent a check to pay my taxes ( they do not escrow them ) while in the tax office to pay them we saw the check and told the tax collector to return the check to Citi, which they did, after a couple days we called Citi and they confirmed that they received the check but since then have continued to escrow taxes to the point where a XXXX is now over XXXX $ after repeated calls to Citi, and every time they confirmed payment, they continue to increase the balance on this loan and will not correct the mistake to the point where they are reporting to the credit agencies and my credit has gone from XXXX to XXXX in 1 month, as of now they are threatening forclourse we have never been late or missed a payment, we are getting no satisfaction and it seems like they just want to take the house, do n't know where or what to do next

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 07/27/2016 about Mortgage (Conventional fixed mortgage) with OPES ADVISORS, INC. (CA).
Issue: Settlement process and costs

Complaint: Hi, We considered we have been misled by Opes Advisors regarding the closing costs of our mortgage. 

Our project was to purchase a home for {>= $1,000,000}, with a loan of {$810000.00} and a down payment of {$200000.00}. 

In our original estimate ( attachment " LoanEstimate.pdf '' ), we have a line of Closing Costs of {$40000.00}, but with also credit lines ( " Seller Credits '' and " Adjustments and Other Credits '' ) for {$17000.00} + {$1300.00}. At the end, our cash to close is {$220000.00}, including the down payment. We were told it was a conservative estimate and we would pay probably less. 

But at the end, when we have signed with the notary, our cash to close was {$220000.00} ( attachment " ClosingStatement.pdf '' ). Without the {$200000.00} down payment, this final costs represents 14 % more than what was planned ( {$24000.00} vs {$21000.00} )! 

What I understand it that they have decreased what the " Closing Costs '' line, but in the same time, the credits lines have been changed into debits : in the latest Closing Disclosures ( attachment " ClosingDisclosures.pdf '' ), the " Seller Credits '' was {$0.00} and " Adjustments and Other Credits '' was {$1200.00} of debit ( compared to {$17000.00} + {$1300.00} of credits ). 

I have discovered the issue some days before signing with the notary, when they have sent the closing disclosures. I 've notified them and they said they would correct the documents, that there was a mistake and everything would be as in the original estimate for the day I should sign. But they did not want to send me anything before. 

Nothing was corrected the day we had to sign. Since we were 3 weeks late ( because they did another huge mistake during the approval, that they have acknowledged ), I was not able to postpone the signing or we would have lost the house. 

Afterwards, I have asked explanations, but they have started to provide confused explanations, with wrong numbers. Then my mortgage advisor has left the company. And now the " Managing Director '' has stopped answering me as soon as I have spot this issue with credits ( it 's been 11 days now I do n't have any answer from them ). 

I have everything on emails, I only attached the last thread ( attachment " last-email.pdf '' ). 

My point is they have probably made me paid some additional costs that they have tried to hide with these false credit lines. 

By the way : the tax property had also been estimated to 1.25 % in our monthly payments. Again they said it was a conservative estimate. But when signing, the notary told us it should be closer to 1.50 %! We will have to pay ~ $ XXXX/year in addition to the " conservative '' estimate. 

So I strongly suspect them to having misled us and made us pay hidden costs. 

Thank you

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MO).
Issue: Problem when making payments

Complaint: The harassing phone calls began, after I took my payment scheudule off of the automatic debit, from my checking account. I still make my payments, in the same fashion, however, I am two weeks behind. 

One Main Financial, at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has continuously called my cell phone, up to 6 or 7 times a day. They have also called my place of business. 

I believe the phone calls are intended to pressure, intimidate, annoy and stress me into getting back on the automatic account debit. 

I have made my payments on time through this method, for over 3 years. 

I refuse to pick up the phone, and continue to make my payments on-line during the month that it is due. 
This is a predatory lending institution that preys on those that are in financial binds.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Deposits and withdrawals

Complaint: I deposited a check that was payable as " cash '' on XXXX XXXX 2015, on the next day the check was put on hold in my account but the founds had already being transferred from the account of the person who wrote the check. As of XXXX XXXX 2015 I contacted the customer service of Bank of America and I was told that the check would not be credited in my account because it was written " cash '' instead of my name on the check, because there was a possibility that the check could be returned for insufficient funds, and that I will have to wait another 5 business day to have the check returned. It does n't make sense since the funds have already being removed from the account of the person who wrote the check. In addition, I spoke with XXXX representatives who were very unwilling to help me and who spoke with me like a machine not providing full answers to my questions.,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have been trying to remove a freeze on my credit report with Experian - to do that, I need a PIN which was supposed to be issued via mail when I placed the freeze - although I never got the PIN in the mail. I tried to use their online tools to either get PIN or remove freeze, and the tools did not work - I tried to upload documents via their website to get PIN or remove freeze - the system came back with an error message, multiple times. I tried to call their XXXX # numerous times and their automated response system did not give the options I needed ( get PIN or un-freeze credit ), nor did it give options to talk to an agent. I called their regional offices/headquarters in US and got the exact same voice response options. I tried messenger and posting on XXXX, but no response for hours and then no help. I finally found an alternative number via a web search that got me through to an agent, that I hope has finally helped me - although he could not do it real time. 

Overall their systems are antiquated, processes poorly designed, and they offer no workable way to get help - this is unacceptable, when they are holding my credit XXXX and I can not proceed with necessary financing. The CFPB should demand better from them ; All other agencies have been easy and straight forward to deal with for removing credit freeze.

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 03/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello, I have a NFCU credit card ending in XXXX and said company has reported to all three credit bureaus 7 ( 30-Day ) late marks. However became very ill wasn't able to work. I accumulated very high medical bills and was unable to maintain internet access to view my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX credit reporting agency is reporting 2 accounts that has been verified to be deleted from my report. I am uploading proof from XXXX credit reporting agency that the results of the investigation is the items were deleted. XXXX should be receiving the same instructions to delete. However they just keep reporting 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 03/16/2017 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (CA).
Issue: Managing the loan or lease

Complaint: I purchased my car in XX/XX/XXXX and set it up on automatic payments. The have taken it out every month and then I actually had a dream that my car was being repossessed and it bothered me since I have never been late. I checked my bank and realized they did n't take a payment out for XX/XX/XXXX and XX/XX/XXXX. I immediately called and paid the 2 months and they informed me that I was 38 days late which will appear on my credit report. When I asked why, they had no answer. It showed I was kicked out of the system for automatic payment. I was never notified. They said they tried to call me on XX/XX/XXXX which makes no sense because I was n't late at that time. The number they had was a completely wrong number. I work really hard on my credit and I do n't think I should be penalized because of their error. I disputed it and received a letter saying that the information reported was correct. I want that 30 days past due off my report. They had no reason and no answers for me. I just got " I do n't know. '' I am attaching a copy of my credit history which they were suppose to send me to no avail. I hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: The loan modification process took entirely too long. The process should have been resolved after 3-4 months upon completion of " trial payments ''. In fact, through no fault of mine, the process took 8 months, from XX/XX/XXXX through XX/XX/XXXX. During this time, late charges continued to accrue and late payments continued to be reported to the credit agencies. The extended length of time caused further debt and a reduction in my credit score. At no time did I request for the process to be stopped, which is what happened half way through the processing of the modification at the discretion of the mortgage servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have my Experian credit report and I notice that experian is providing inaccurate information about my account status and there is some discrepies. I have being applied for credit and when the company pulls from experian credit report, i either been denied credit or have to pay a high security deposit. Whereas when a company pull my credit report from XXXX and XXXX, is were i am always approved. Experian credit bureau is not reporting accurate information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I initially requested a hardship/deferment for my student loans with ECMC. I did n't receive any late notices or requesting information letters from this service provider. Now I am receiving letters of wage garnishments. When I talk to reps on the phone my calls are never documented like they should. I have even reached out to the ombudsman. I have submitted requests to have documents to be re-sent to me, and have not received anything. I have even requested assistance on how to rehab the loan. This collection agency is not helpful at all. I am willing to pay something, but they will not provide the requested information in writing.

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