milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This complaint in in regard to another complaint I have open. This is how these credit bureaus try to slight people but this is fraud!!! This morning I received an email FROM XXXX stating that my address has been updated with them and to call the number on the back of my card if I did n't authorize this. I DID NOT AUTHORIZE THIS. I DO NOT HAVE A CARD OR ACCOUNT WITH THEM. THESE CREDIT BUREAUS are trying to use the address I provided them to update this account on my credit profile to claim this is me that opened this account WHEN IT WAS NOT ME. This is fraudulent! I do n't even know what address they placed on this XXXX account.

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 08/28/2015 about Debt collection (I do not know) with Solidus Group LLC. (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Delaware Solutions, XXXX XXXX is contacting my place of employment, my relatives and stating there is a federal case against me regarding me being a " habitual offender '' of a debt case, is sharing the last digits of my ss # to my employer and relatives. They have left messages threatening to send me a summons to appear in court where I will be required to pay and if not, they will put me in jail for the maximum sentence for fraud. 
They will not send any information regarding the debt over but claim I owe over {$2000.00} in bank fees and for the original debt. They are claiming it is a payday loan which I have not taken out. I tried to explain that my identity was stolen a few years ago and since then I have been getting these calls. She claimed that if I do not pay, I will be arrested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/14/2016 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I have been making additional principal payments on my mortgage. I send XXXX separate checks each month, because I do n't trust them. I noticed on my statement that instead of crediting me {$300.00}, they credited {$290.00}. I called them and asked about it. They noticed it on the previous month as well. They refused to accept copies of bank statements and insisted that I go to my bank and get check copies, front and back. I am sure they hoped I would just drop it. I am sure they are during this to many, if not all of their customers, which could total into XXXX dollars over time, which is why I am continuing to pursue this.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (AK).
Issue: Managing the loan or lease

Complaint: XXXX and Wells Fargo repeatedly attempted to charge late fees and service fees. The loan was supposed to be XXXX percent interest over two years. The account was setup to pay the monthly payment on auto-pay, which worked for a time and then stopped working even though funds were available. They attempted to charge my account the full amount due along with late fees. All late fees were reversed, but this happened multiple times after I was assured it was fixed. Now the account is closed and I am no longer allowed to schedule repeating payments. I have paid the off the balance of the account and no longer owe them but feel that the entire scheme was designed to steal extra money and they should be held accountable.

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 08/14/2017 about Debt collection (Credit card debt) with Admin Recovery, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The company is trying to collect on a debt that does not belong to them, they are also sending me harassment letters. I also do n't have an account with them, nor have I signed a contract with them

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 06/15/2017 about Debt collection (Other debt) with JH Portfolio Debt Equities, LLC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I sent  JH Portfolio  several certified letters asking them to validate this debt after continuing to pursuing collection activity, failing to report this item as disputed to credit bureaus and claiming to be the purchase of this debt! I will sue in court and will be rewarded $  1000/violation  plus damages. I have n't received any documents/statements or anything from  JH Portfolio.  When I sent certified letter I had correct address also when I called I updated my address.    JH Portfolio  is reporting an account to the credit bureaus that was paid to the original credit. I paid this account out to  XXXX   XXXX  on  XXXX   XXXX ,   XXXX  .   I spoke to  XXXX  from  JH Portfolio  and she said the balance was {$580.00} but I paid/renewed this account in order to get another loan., which  XXXX   XXXX   said  they sold to  JH Portfolio (  see attached ).   I 'm going to sue JH Portfolio and  XXXX   XXXX  for violated the laws under FCRP/FDCPA!!!

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 04-04-2017 about Credit card () with SYNCHRONY FINANCIAL (WI).
Issue: Billing disputes

Complaint: I had a {$25.00} minimum payment due on my Walmart Card and paid {$30.00} online on XXXX XXXX, 2017. I had no idea that Synchrony Bank would hold the payment until XXXX/XXXX/17. When they applied the payment, it overdrew my bank account. Knowing that I already paid it, I contacted the bank who then did not authorize what I thought was a double payment. Subsequently, I contacted Synchrony who accused me of 'scheduling ', not paying on the account. They assessed me with late fees, etc. on XXXX/XXXX/17 I paid {$30.00} ( for XXXX 2017 ) and then received a notice from Synchrony that I owed them another {$41.00} for XXXX. I called them and even though they agreed to adjust the late fee, they refused to adjust the minimum payment due by the XXXX of XXXX. In addition to that the customer service rep hung up on me when I was in mid-sentence. I had to call back and go through the automated process all over again. In speaking with a manager, I was told that absolutely nothing could be done to adjust the {$41.00} due. Since my billing cycle closes on the XXXX of each month, my XXXX payment of {$30.00} on the XXXX should count.

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 01-12-2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX items on my credit report that I had nothing to do with : XXXX, XXXX. 
I only owe XXXX hospital bill from : XXXX XXXX I 've attached my current license and XXXX additional forms of identity verification ( birth certificate, social security card )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (ME).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX I sent a check with the payment stub to XXXX XXXX in XXXX Fl. This amount ( {$78.00} ) was the full amount due on my XXXX store card. On XX/XX/XXXX I received a letter from XXXX XXXX stating they received the payment stub but no check. I looked at my check register and checkbook. The check was made out and dated XX/XX/XXXX. I then went to the web page of my bank and looked up the status of the check in question. The site had a copy of the check front and the back. The back of the check was endorsed and funds paid. I called XXXX XXXX and spoke to the customer service rep. He continued to insist that the check was not sent. I told him that the bank has a copy of the cashed check. He told me to go to my bank and fax them the copy, he gave me the fax number. On XX/XX/XXXX I went to the bank and had the teller fax the info. On XX/XX/XXXX I once again called customer service and spoke to XXXX. He said that no fax had been received and that I owed the full amount today. He insisted that I pay him over the phone. He would not discuss the fact that the bank has a copy of the cashed check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: It 's tried to apply countless times for a income driven payment plan but never am given that option after being told I am eligible, instead it only allows me to do a forbearance or a deferment. And I am recieving endless calls a day from the loan company or forgiveness programs asking for personal information over the phone.. saying my loans are in a income driven plan but it 's not reflecting that on the website

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Credit card debt) with Crown Asset Management, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was informed by   XXXX   XXXX   XXXX   that my alleged account with them was sold to Crown Asset Management even though   XXXX   XXXX   XXXX   claim against was dismissed in court. I have called and left several voice mails with Crown Asset Management to discuss this matter and no one answers the phone or returns my calls. Crown Asset Management does not have a working website to contact them via the internet either. I would like any intended actions against me or my credit by Crown Asset Management to be ceased immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (VA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Over the last few years Navient has not been willing to help me reduce my payments so that I able to keep up with payments to avoid negative reporting on my credit. They would send letters saying call and call me several times a day telling me that they would help with lowering my payments and discuss repayment options and when I would call they would tell me that my monthly payments could n't be lowered. Since 2012 XXXX XXXX/Navient has asked me to pay almost {$900.00} per month, {$730.00} for the private loan and {$130.00} for the federal loan, which is absolutely impossible to pay based on my income and the need to have money to pay for a place to lay my head and eat. I called last Thursday to let them know that I would be in school full time and they told me to send proof from the school, this was the most help I have received in years from Navient, however, that still does n't lower my payment and I will be in the same situation when the semester is over. It has been simply impossible to even try to catch up based on the payment amount requested therefore continuing to damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit card () with CITIBANK, N.A. (OK).
Issue: Balance transfer

Complaint: To Whom It May Concern : I have been a customer of Citi Bank since 2012 and have always paid my balance in full each month except for when I have a 0 % balance transfer offer. I was recently surprised to see various interest charges on my account. I now understand that since the balance was technically not paid in " full '' ( due to the 0 % balance transfer amount ) my account accrued interest on standard purchases. 

I feel this behavior is a UDAAP violation. The 0 % balance transfer is not beneficial to the consumer if Citi Bank just allocates the interest to standard purchases each month. The proper information about the balance transfer was not disclosed and XXXX different customer service representatives gave me conflicting information. 

Accordingly, I plan to pay off the entire balance including the balance transfer immediately. I would like the balance transfer fees ( XXXX XXXX in the amount of {$210.00} ) credited to my account. 

Best,

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 05/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: ALREADY ENTERED INTO A PAYMENT AGREEMENT hello, My name is XXXX XXXX and I am writing because I was recently made aware that you have submitted my name and address to the CRA 's in regards to a debit of : {$140.00}. I recently, about a month ago, contacted your company in regards to not having this item listed on my credit reports, and entered into an agreement to pay off the debt within 6 months with my credit card. Your company has since lied to me about this not being reported. I DEMAND that this entry be stricken from all the CRA records IMMEDIATELY or you can CANCEL the payment arrangement. If any payments hit my credit card, and you have not requested your trade-line removed from all XXXX agencies, I will report the payment as fraud! THIS IS NOTICE TO REMOVE THE TRADE-LINES OR CANCEL ANY AND ALL PAYMENT ARRANGEMENTS!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen did an escrow analysis and decided to increase escrow payment {$38.00} per month, payment increase notification was not received so next month payment ( {$1400.00} ) was sent out and received and NOT applied to mortgage, it was kept in an ocwen suspense account after they took their fees. Loan was then reported as 30+ late for 4 of the next 6 months, causing a large drop in credit score. Additionally, another department in Ocwen was prompted to check the property since the payment was not reported as paid, had an adjuster visit the property for inspection. Adjuster went to the wrong property, took pictures of the wrong house and reported the property vacant. Ocwen received this report, without looking and noticing that the mortgage payments continued to be paid, reported the property vacant to homeowners insurance and requested the policy be cancelled. Policy was cancelled and property was put at risk being uninsured for several months - meanwhile Ocwen continued to receive monthly mortgage payments from homeowner ( no payments were ever missed nor were any payments ever late ) This is even evidenced on Ocwen 's site. Homeowner finally became aware of the issue when Ocwen sent a letter informing that a new insurance policy was needed for the property. Now homeowner had to buy a " non-preferred '' policy as there was a lapse ( without any notification ) and has collateral damage with an approximate XXXX point drop in credit score which negatively impacts the ability to refinance the home, etc. On top of all of this, the Ocwen escrow appraiser did another analysis and found the escrow account to have a {$1000.00} overage just XXXX months after this all started and sent a refund check - clearly stating that the starting event for this entire issue was A MISTAKE. Homeowner has had hours and hours of frustrating calls and sent several letters to Ocwen and Ocwen 's ombudsman office who have failed to repair any of the consequences - they sent a letter to the XXXX bureaus stating that the account was in fact never late in payments but that does n't NOT restore the credit score or repair the financial damage. They continue to send letters stating they are " reviewing the problem ''. They have no incentive to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Other service problem

Complaint: I have signed up for a service through  XXXX  that basically is pay day in advance service. My bank does not update my current bank account t balance in a timely manner. As of right now, even though the  XXXX  dollars owed to  XXXX  have already been debited, Activehours do n't get timely updates about me getting paid and my current balance ... which is hendering me and my services.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: td bank in XXXX XXXX florida, i have an antique auction and need access to cash for purchases, and usually in a hurry, they will NOT let me cash a check over several thousand without 24 hour notice, is this allowed that i cannot get access to my own MONEY$$

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Debt collection (Other debt) with United Resource Systems, Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company Already sent me a letter promising in a green that they had no legal grounds to charge me for a collection on a missed appointment with no paperwork signed and simply just bought the debt with the assumption of guilt. It is important that the XXXX enforce the laws against such shady places that were promised to remove it from my credit and never do.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred from XXXX Mortgage company to Loan Care in XXXX 2016. I was not given the new loan number from Loan care until after XXXX XXXX, therefore I paid the first payment to them via electronic check from my bank XXXX XXXX XXXX with my old mortagage number. I started getting calls from Loan care that my payment was delinquent. I called the customer service rep at Loancare who told me they will look into it and get back to me. I never heard back from them, only call was from loancare telling me I was delinquent on my payment. Finally, in XXXX I asked for a request to look into it, once again did n't receive any calls/letter about it, called two weeks later and they told me to send them a copy of my bank statement showing the payment was made. I faxed that information and did n't hear from them. Called back another two weeks later and they told me that they never got my bank statement ( I have a fax showing it was sent to the right number and faxed to them ) and that they could n't help me. I went on their website and uploaded a scanned copy of the bank statement and fax confirmation and obtained a ticket number. I called again a week later and they told me they do n't have that information available, and wo n't be able to help me and I can not speak to anyone in the CONSUMER solutions department, who may have that information. I am getting called every day from debt collection about this " late '' payment, which Loancare wo n't look into, wo n't resolve and wo n't help me figure out the issue.

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 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Experian, XXXX and XXXX have continued to report information on my credit report, even though information has been sent to the agency that shows that judgement and ownership of accounts have been dismissed by a court. Additionally, all three credit bureaus have found ways to deter consumers from appropriately disputing items on their website. 1. I have attempted to file a dispute on their website for accounts with XXXX, XXXX XXXX and XXXX XXXX XXXX. 2. When utilizing the online site for each credit bureau they presumably give you access to your " free credit report '' to dispute the charges. After going through the ropes of filling out the information which primarily is listed as not having any knowledge of the account and that I would like the credit bureaus to investigate and have each of these companies to adhere to the Fair Credit Reporting Act and verify all information, including but not limited to the open date the last payment date and a signature card or paperwork that would verify me as the account holder. 3 Once I completed this process, each reporting agency then funnels you to a section of their site where you MUST attach supporting documentation. In my case there is no supporting documentation because I have never known of these accounts let alone have any reasonable documentation that would assist in their investigation. 4. If a consumer is asking for a debt to be verified with specific documentation which would prove ownership, why would the bureaus requiere documents with this request. If I have no knowledge of an account and was never notified again, why would i have something to upload. 5. Therefore, the credit bureas would not let me submit the dispute and moreover they have prevented me from accessing the site again to file the dispute with a report number ( which was never generated ), since the site recognizes that I have already pulled my report and does not allow me to dispute my issues utilizing this service. 6. Attached you will also find documentation as it relates to a judgement listed on my Experian, XXXX and XXXX credit report from XXXX XXXX County Court on behalf of XXXX XXXX. I have confirmed through XXXX via the CFPB data base that this information should not be reported and I want this along with all negative information that can not be verified to be removed immediately. 7. Additionally, I have also included information from The XXXX XXXX County Court where the Navient account collection has been dismissed due to lack of proof of ownership.

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