milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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: this company is reporting fraudulantly, this account is being reported as late months when they had not even bought my loan from prior company. XXXX bought loan XXXX 2016. also, there was a three month payment arrangement was fullfilled account never late and they are still reporting 30 days late. they 've rejected payments, sent back auto pays, since there employees seem incompetent to apply payments properly and on 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 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The billing on this account has changed various amounts of times. The rates have changed. My identity was stolen. The College has not tried to resolve the issue they are just assuming I am completely responsible for the value and it is harshly affecting my reputation and credit score. I am unable to purchase certain items or obtain decent credit due to falsifying reports given by the Company. Per the law the companies are not abiding by the FCRA and verified any of the accounts but have " updated '' them on several occasions.

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 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I sent transunion the proper signed documentation acknowledging there are several inquiries on my report not authorized as well as my social and drivers license. I asked for proper documentation proving I authorized these inquiries as I had not given permission. In response, they ignored my complaint/dispute/request and sent a copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/XXXX I received a notification from XXXX XXXX XXXX XXXX stating that they were attempting to collect a debt on the behalf of XXXX XXXX in the amount of {$180.00} and that they would be willing to settle the account for {$170.00}. I found this letter to be alarming because I received a notice from XXXX stating that the same amount was due. 

This issue stemmed from this summer when I was supposed to have service installed at my new residence. Prior to the scheduled installation at the new residence, I cancelled the appointment with XXXX but XXXX failed to cancel the appointment and prematurely disconnected my service at my old address. As a result, I awoke to no television, internet, or phone service. It took XXXX hours to remedy the issue and as a result, they had to create a new account in order to restore my service. I was told that my prior account would be merged with this new account number for billing and statement purposes which clearly is n't the case. 

Ironically, I receive monthly statements for my active service and I pay my bill monthly. Until XX/XX/XXXX I  never received any notification from XXXX XXXX stating that there was an outstanding bill on the previous account and that failure to submit payment would result in collection actions being taken against me. I knew nothing of this debt. While I have no issue of paying this debt, I need XXXX to remove this from collections since it was an error on their part. I take my credit very seriously and this collection will hurt my credit score and has the potential of staying on my report. 

On XX/XX/XXXX I contacted XXXX and explained the situation to XXXX, id # XXXX who later transferred me to a woman who later transferred me to XXXX who refused to give his id #. I spoke withe supervisor, XXXX XXXX and I advised him of the collection notice and the fact that I was not pleased with XXXX. This is because I have an active account with a triple bundle package that I pay every month. Until Saturday, I never received a notice regarding an outstanding bill on my previous residence. I explained that I was under the impression the bill from my previous residence and my current bill were supposed to be merged. He stated that was not I explained my concern for my credit rating and I was told that this account with Convergent was an in-house collection agency and would not bear adversely on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Transunion has reports my address, phone numbers, and name incorrectly as well as my student loans status, medial bills reporting incorrectly. This has significantly affected my approval for credit.

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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: When I lost my job, I contacted Navient to ask for a forbearance and was told that there were no options available to me. I graduated from XXXX in XXXX. Unfortunately, I had requested a forbearance when I did not XXXX on the first attempt and had requested a forbearance again when unemployed in XXXX. According to Navient, I exceeded available forbearances and they would pursue collections against my co-signor who is now retired and on limited income.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (TN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I HAVE A PRIVATE LOAN FROM A XXXX I ATTENDED, MY MOM WHO IS NOW RETIRED AND NO INCOME WAS THE CO SIGNER. I AM NOW WORKING ON MY CREDIT AND WAS FORWARDED TO A LAWYER WITH NO PAYMENT OPTIONS. SECOND I DO N'T EVEN HAVE A JOB IN THE FIELD I STUDIED. NEED MORE EXPERIENCE THAN DIPLOMA ACHIEVED

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Debt collection (Credit card) with Atlanticus Services Corporation (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this debt to the creditor who purchased it in XXXX XXXX the judgment is marked satisfied. when I called to tell them they acted like they did n't know what I was talking about. I mailed them the paperwork stating the account has been paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03-12-2017 about Debt collection (Medical) with CMRE Financial Services, Inc. (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: To start off with I checked my credit report and got a notice of collections saying I owe {$730.00} to CMRE financial services which contains medical bills but I was XXXX for over XXXX at the date of the collection. My medical is completely covered by XXXX XXXX and I go to a on base facility. I 'm not paying for a bill that I never incurred let alone never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Debt collection (I do not know) with CCS Financial Services, Inc. (OK).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: XXXX. I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. I never get any knowledge of this account be put in collection from the company before getting treated calls.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (NY).
Issue: Account opening, closing, or management

Complaint: Following information has been submitted XXXX : Contributor : SUNTRUST BANKContribute Reference # XXXXAccount # XXXX Date XX/XX/XXXXContribution Reason : Transaction ( or attempting to transact ) with an account in an unauthorized or prohibited manner. 


I have never attempted to transact with an account in an unauthorized or prohibited manner. Such FALSE statement on file is prohibiting me from doing business from other banks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/31/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: In early XX/XX/XXXX, Bank of America suspended my Home Equity Line of Credit. After a couple of weeks trying to find anyone who had any clue what was going on, I was finally told " it 's being closed because you use it as a transactional account ''. I explained that reason was nonsensical, and that my loan contract provides specific reasons why the account can be closed. I read each reason, and was told each of them do not apply. The response was simply that Bank of America can do whatever they want, and since the decision was made they do not have to justify it. I insisted on speaking to a supervisor, and was promised a callback from a XXXX. I never received any calls. 

I submitted a CFPB complaint in XX/XX/XXXX about this matter. After " looking into it '', it was simply reiterated that they 're closing it because it was " not used as intended ''. I explained there is no specified intended use, and closing it is a breech of contract. I was then told that they havent closed my account, just suspended it, thus there is no breech of contract. I then had to point out that my contract has reasons why the account can be suspended, in addition to reasons it can be terminated, and it was becoming obvious that no one at BofA had actually read the contract to which they are bound. At which point the representative became non-responsive, only repeating that the reasons do not matter and BofA can do whatever they want with no need to justify it. I again requested a supervisor to deal with this blantant non-responsive response, and was promised a callback within XXXX hours. No call was received, and all further attempts to followup has resulted in my voicemails being ignored. 

At the advice of the CFPB Ombudsman, I am resubmitting this complaint in the expectation a new XXXX Representative will treat it seriously and actually research the complaint, and address the issues involved.

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 04-12-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was on a payment plan that was dependent on me making my monthly payments on time. If I missed even XXXX payment, my payment plan would no longer be valid and I would have to pay about 5 times as much per month, which obviously I can not afford. I was set up on automatic payments so that I would never miss a payment. However, every XXXX4 months, my auto payment suddenly would n't go through and I would contact the lender Immediatly and they would tell me since I was late on my payment, my plan was no longer valid, and as a result they tacked on so many penalty fees. I would then beg and plea and get back on the payment plan, but they would never waive the penalty fees. My loan has basically more than doubled because of these penalty fees that were not my fault. I am currently out of work, trying to get XXXX, and I have a newborn. My husband is self employed and we live paycheck to paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo Bank violated our Constitutional Rights , Consumer Rights , Civil Rights , Economic Rights, as well as our very own Human Rights. 

We were going through financial hardship, we requested a refinance. The refinance would have solved our entire financial hardship, as we paid our loans down by making additional payments, the interest rate was low as well as the loan to value ratio was perfect. Instead, Wells Fargo Bank gave us hard time, did not apply payments as The Courts ordered Wells Fargo to pay the expenses and apply the rents toward our promissory notes, Wells Fargo referred all the tenants back to us for repair, maintenance and all aspects of management issues. 

Yesterday, I received an invoice from XXXX requesting a payment. Please see attached Invoice along with an e-mail from XXXX XXXX. Wells Fargo Bank is hoping to deceive us again, in paying those expenses as they have deceived us in the past, and led us to believe that by us paying the expenses, we will obtain a clear title in our names for our properties in a very short time. Therefore, we borrowed hundreds of thousands of dollars to pay for those expenses, to discover later on, that Wells Fargo Bank sold our notes to a client of a tenant in the Wells Fargo Bank Building. Also please see attached COURT ORDER directing Wells Fargo to pay the expenses and apply our monies to our promissory notes which Wells Fargo have violated and did not even apply our monies to the SBA note. 

Also please see attached supporting documents of some of the expenses paid on behalf of Wells Fargo as well as documents supporting our effort to get alternative financing, paying for title search, closing cost, etc. Whereas Wells Fargo Bank/loan servicer did not provide us with an accurate loan balances. Instead the loan servicer provided us with inflated figures that exceeded the loans by XXXX dollars without applying our credits. I have also attached a copy of some of the rent Wells Fargo admitted to collecting. Please note that there is much more rent was collected by Wells Fargo. 

Now in our XXXX, after we put all what we have earned to pay down our obligations, to secure future for our family ; Wells Fargo Bank robbed us of life itself, robbed us of everything we earned, robbed our investments and continue to robbing us of the dividends on our investments, an ongoing crime that need to be stopped, by Wells Fargo returning all our properties back to us, with free and with clear title.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed XXXX negative accounts on my credit profile which was reporting incorrectly. This has to be the worst company and customer service I have ever dealt with in my life. I have provided everything required to remove a negative on my credit and even the company I disputed had responded and all I have gotten is the run around and no one actually willing to help get it cleared up all they tell me is it can take 90 days to remove which is not as per FCRA GUIDELINES. My Report Confirmation number is XXXX. I disputed inaccurate information with EQUIFAX and even went as far as to send them documents on XXXX separate occasion to validate my claim here is the certified mail receipt number : XXXX & XXXX, I sent the documents to prove that the information was incorrect. However Equifax totally ignored my request and did not update & delete the incorrect information, which was being reported on my Equifax consumer report. The accounts were XXXX Account number ends in XXXX, which was paid in Full, and the account was never late. The letter was sent into Equifax who did nothing on the request to report the correct information. The Second account is From Child Support No account number but reporting a Collection & Amount for which I have no responsibility. I also made sure to provide the letter from the agency to Equifax who again did not delete the incorrect information since the account did in fact not belong to me. When this company supposedly investigated the information, the results were that the creditor verified the information reported. I contacted the creditor and was informed that Equifax has been notified of the correction but had not updated. My consumer profile to reflect the proper changes. I will also be submitting a complaint to the Consumer 's Financial Bureau and will be forwarding the same documents to them, which was a payment in full receipt and a letter from the child support stating that the account should be deleted from my consumer profile. Something needs to be done to make sure that Equifax is reporting account information and updating in a timely matter. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX Debt Collector : SELECT PORTFOLIO SERVICING INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ATTN : LEGAL DEPARMENT cc : Federal Trade Commission XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX Re : Acct No. Select Portfolio Servicing Acc # XXXX XXXX XXXX  XXXX AS TRUSTEE ( XXXX XXXX XXXX ) Acc # XXXX XXXX XXXX XXXX XXXX XXXX MIN # XXXX Note Date : XX/XX/XXXX NOTICE OF VERIFICATION DEBT or MORTGAGE DEBT PAID This letter is a formal request under Fair Debt Collection Practices Act ( FDCPA ) to XXXX XXXX XXXX AS TRUSTEE to disclose the following information regarding the loan account # XXXX : 1. Identify XXXX XXXX XXXX TRUSTEE headquarter and agents 2. Default date of Mortgage 3. Proof that the Statute of Limitations has not expired Your office failed to disclosed information of this debt validation letter since XX/XX/XXXX. This account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect or foreclose on the said Mortgage must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt/mortgage against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Email : XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I referred a family member to AmEx but did not receive the referral bonus when that person opened a new American Express credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have noticed this Factoring Company named XXXX XXXX XXXX is reporting derogatory remarks on my credit report and I have never had any accounts with them or any accounts with Capital one for this amount of monies I have had a capital one card years ago and it was paid in full so I 'm really curious as too how this company is trying to get money from me and I never had any account owing this amount of money, the payment history is showing I have failed to pay and I do n't know what I 'm paying and why and who these people are, I would like to address this immediately and get this negative remarks removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (I do not know) with ECMC Group, Inc. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are sending harassing phone calls practically daily and do not leave a message. I have on idea who they are or what they want.

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 05/24/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Struggling to pay mortgage

Complaint: according to the U.S. treasury guidelines. under the imminent default criteria I believe my brother who is a military veteran deserves to keep his home. under the US treasury guidelines he should be eligible for a   modification based on his  XXXX . He went through marital issues and a divorce in  XXXX  and  XXXX  causing him to struggle with excessive expenses, he struggled from  XXXX  and was hospitalized multiple times. He Is a  XXXX  patient and has to be   XXXX    XXXX  times a week. He was admitted into the hospital on  XXXX  and  XXXX , currently in hospital.   He has been hospitalized multiple times due to  XXXX   XXXX  and issues that may have resulted from being in the military. He depends on medical equipment for support to walk and to get around. he is only  XXXX  yrs of age and struggles like an elderly individual.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Consumer Loan (Installment loan) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Problems when you are unable to pay

Complaint: When I 'm unable to pay and set up a payment plan navy fed would lock my account and then not honor the payment plan date we would agree on and take more then what was due to be paid and withdraw it 1 or 2 days earlier causing me to get even more behind and frustrated that I ca n't make my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation