milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I disputed this line of credit with Citi Bank debt XX/XX/2016 with the credit bureaus. I never got it removed from my report even though my ex-husband opened the account, not me.

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 08/25/2017 about Mortgage (Conventional home mortgage) with PENTAGON FEDERAL CREDIT UNION (WA).
Issue: Trouble during payment process

Complaint: I have a home mortgage loan with PenFed Credit Union for my residence in Washington State. Upon signing for my loan, I choose to received my monthly statement/bill by US mail ( declining electronic only option ). Back in XXXX of this year, PenFed stopped sending me my monthly statement/bill. I initially noticed that I did not receive a statement and called PenFed in order to get the balance, inform I still want the monthly statement by US mail, and to pay by phone for that month ( XXXX ) since I did not receive the bill. I had given my bank account information for that payment, but it turns out they had a record of the call but lost the transaction. I received a notice later in XXXX that my account was past due. I called several times to identify and straighten out the problem. Eventually the payment issue was corrected but they indicated they now change $ XXXX from my savings going forward in order to continue to receive my monthly bill/statement by US mail. Given that I singed-up for the mortgage with paper option I do n't think they should be charging me a fee every month in order for me to receive my bill. Can your agency please help me work with PenFed to go back to sending me the monthly statement/bill by US mail without deducting $ XXXX fee?

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 11-11-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Problems caused by my funds being low

Complaint: Why are we still allowing banks to allow charges to go through when our balance is XXXX? And then charge up to five times in the same day overdraft fees? This is a predatory practice by Wells Fargo. The online balance does n't update, they play a shell game with your charges to cause you to fall below your actual balance. Now I find they can cash post dated checks. If it 's my bank, my account, why am I the only one out of control? Anyone who wants my money gets it and I am forced to take a loan? Banks are syphining money from the working poor and they treat us like we do n't matter! I was charged {$120.00} for a total of {$80.00} worth of charges? Loan sharks do n't charge more tha. The loan??? Protect the consumer and REGULATE THE BANKS!!!!!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I entered into a trial modification agreement with  Ocwen  Mortgage and accepted the 3 monthly payment option from them. The initial payments were due   XXXX   XXXX  2017   ,   XXXX   XXXX    2017  and   XXXX   XXXX    2017. Although I  have made all of the initial payments timely and before the due and ahead of the schedule, these payments are not reflected on any of my credit reports with  XXXX ,  XXXX  or  XXXX . These payments have not been applied to my account properly and for referenced due dates as listed above. The payments are in a suspended status. This negative action taken by ocwen is negatively affecting my  credit score a nd potentially keeping my score from being higher.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Managing the loan or lease

Complaint: At XX/XX/XXXX, I had a buyer for our RV and because Bank of America failed to keep track of the title, I lost the sale despite the willingness of the potential buyers to wait over three week. Bank of America continues to have me as a loan customer, the buyers are on their way to XXXX and I have no recourse for a set of errors that are still unresolved. Because I lost the sale, I continue to pay approximately {$500.00} per month for the loan payment, insurance, rental space at a sales lot and printing brochures. The later into the summer, the less likely to find a buyer especially at the price that was agreed to in XXXX. 

Bank of America said that they would make every effort to obtain a replacement title for the RV but when I checked with NC DMV they indicated to me on XXXX XXXX that there was no additional requests for a replacement title. The only request was in XXXX 2015 which was the first time Bank of America indicated to me that they could not locate the title. That first replacement title was mailed to Bank of America in XXXX, XXXX where it was later sent to their repository in XXXX. XXXX DMV said that this second request for a replacements, even if processed, takes four to six weeks to complete. 

Key errors were first the lack of awareness two years ago on the part of Bank of America that they had never received the XXXX title for the RV. NC DMV said that it was returned to DMV. Second, when this was discovered and Bank of America had the replacement title in XXXX, the sending of that title to XXXX resulted in the loss of the title. 

Because a title was still not in hand, I asked XXXX XXXX XXXX on XXXX XXXX, through a XXXX XXXX XXXX a Customer Advocate from Bank America, to please contact the buyers and see if they would still like to complete the deal. They had already waited over three weeks and I had nothing I could say to encourage them to stay and complete this deal. XXXX XXXX called them and was told that evening that they could not wait any longer and that they had purchased a different RV. This was the evening of XXXX XXXX. XXXX XXXX called me and notified me that the sellers had purchased a different RV. That was over three weeks from the day the buyers agreed to buy my RV. My sale was lost. 

As of XXXX XXXX, 2015, there is no word of Bank of America obtaining a replacement title for my RV. I have no subsequent offers to buy my RV. I am continuing to make monthly payments to Bank of America by direct payment, also continuing to pay insurance and monthly rent of a space for displaying the RV at a local used vehicle sales lot.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Debt collection (Medical) with Harris & Harris, Ltd. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never went to this hospital never been there never receiveda letter from this collection agency

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On  XXXX   XXXX   XXXX  my credit report was pulled and In reviewing my report, I noticed the following error :   XXXX   XXXX   XXXX     #  XXXX  This item is incorrect because The account has been in Charged Off status since  XXXX / XXXX / XXXX  ; And should be reported as such.     Also since the account was charged off the 24+ 90 day lates which are reporting in the system is incorrect and should instead be 0 times 90 days.     On  XXXX   XXXX ,  XXXX  I called   XXXX   XXXX   XXXX     and spoke with  XXXX  she transferred me to the credit analyst dept.  XXXX   XXXX . He said the account was charged off on  XXXX / XXXX / XXXX  and that they had not been reporting any  90+  day lates to the credit bureaus. I requested a letter from   XXXX   XXXX   XXXX     stating this.     On  XXXX  I received a statement from   XXXX   XXXX   XXXX   and it was a actual account statement from  XXXX   XXXX . Showing {$0.00} Balance.     I called   XXXX   XXXX   XXXX     again today and spoke with  XXXX  who then transferred me to Charge off department  XXXX   XXXX  she she very mis informed and I ask to speak with a manager. She transferred me over to  XXXX   XXXX   XXXX . I went over my concerns that the account is showing a Charge off but still showing  90+  day lates. He said he would send a letter out to me. At this point I do n't have much confidence in   XXXX   XXXX   XXXX   or their support staff.     I am hoping you can help me resolve and address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: the information on my credit score is all over XXXX years old i got hurt at work in around XX/XX/XXXX and tried to go back to work in XX/XX/XXXX but could not now i am trying to go back to work again and this credit score will not let me do any thing i have to work for myself because my injury makes me very unreliable why does n't workmens comp take care of me why do i have to have social security pay me not even near what i was making this country does not take care of its working men when they get hurt on the job i worked hard all my life i was getting ready to retire now i am homeless and have nothing

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX  and  XXXX   XXXX  sold off a portion of my student loans during my loan consolidation process. This has resulted in approximately  XXXX  third of my student debt being " non-consolidated '' and thus not eligible for th e Public Service Loan   Forgiveness ( PSLF ) p rogram until I was notified of the problem in  XXXX  once I moved to a different loan servicer.     I submitted the appropriate paperwork to consolidate all of my student debt together after I graduated in  XXXX . I spent many hours on the phone with  XXXX   XXXX  and had to repeatedly submit documents even though I had already complied with the consolidation and Income Based Repayment requests. During the consolidation process a third of my debt  XXXX  approximately {$80000.0 0} ) w as sold without my knowledge to  XXXX . As a result of the sale, my loans were mishandled and this amount was not consolidated with the rest of my debt.     The result was that approximately two thirds of my debt was properly consolidated and eligible for the PSLF program, while the remainder remained unconsolidated and ineligible. Because I was making a single payment as part of the IBR program, and was certifying my employment as part of the PSLF program for the eligible loans, I had no way of understanding that this unconsolidated debt was not eligible for forgiveness. I was never notified of this problem but instead was repeatedly reassured that I would ultimately be eligible for the PSLF program.     I learned about the problem once I moved to FedLoan and for the first time received a very clear understanding of the consolidation process and the PSLF elibigibility requirements through a series of customer service phone calls. Following these calls, I re-consolidated the remaining debt in  XXXX . I now have approximately {$110000.00} in debt that will be eligible for forgiveness in  XXXX  but should be eligible in  XXXX  along with the rest of my debt.     I am requesting to have this later-consolidated debt back-dated so that the payments made since  XXXX  become eligible for the PSLF. I would also like to have this complaint formally included in the records of  XXXX   XXXX ,  XXXX , Fed Loan, the Consumer Financial Protection Bureau, and the ongoing litigation around these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Payday loan () with Big Picture Loans, LLC (MD).
Issue: Charged fees or interest I didn't expect

Complaint: I applied online for a payday loan on XX/XX/2016 with Big Picture Loans : bigpictureloans.com ( aka Red Rock Lending, Castle Payday which I found out after the fact ). Their address is XXXX, XXXX, MI XXXX.The loan was for {$400.00} with a finance charge of {$200.00} which I agreed to, feeling it was a little high, but I needed the money and I thought it was a one-time fee. I had no idea that this loan was going to cost me over {$2000.00} to pay off until after I signed off on it, otherwise I would never have agreed to such a ripoff. Please tell me this ca n't be legal. I was told by one of Big Picture Loans employees that they were under tribal law and were not governed by regular laws of the States. I agreed and signed the loan, which was deposited into my account on XX/XX/2016. I found out later, when emailed the remaining paperwork showing apr, and scheduled payments, that the total finance charge is {$1900.00} and the total payments would be {$2300.00} ON A {$400.00} LOAN!!. is this not loan sharking? Usury? The APR is XXXX %. I called and questioned it and was told that I was exactly right in my understanding of the charges. Please, please can you help me with this scam? I did receive the {$400.00} loan which I should be responsible for, and the first payment of {$200.00} was made on XX/XX/2016, but the remaining amount is something I did not expect or would have agreed to pay for. I am a XXXX year old woman whose income is very low and I am very upset about this situation. Please let me here from you soon. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Halsted Financial Services, LLC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been the victim of identity fraud and a collection agency by the name of Halsted Financial Services, LLC ( tel : XXXX, web url : halstedfinancial.com ) who has been informed of this and knows that I have filed a police report, put a freeze at all three credit bureaus, and also filed a report with XXXX is still calling multiple times everyday. I also have record of them calling several times after XXXX and this is especially difficult because I suffer from a XXXX and have trouble sleeping. The latest call just came about five minutes ago waking me as I had difficulty sleeping last night and they hung up and when I called the number given by my caller ID the individual that answered said that it was an automated system that made the call which is an absolute lie as there was no automated system start up upon answering, simple someone hanging up in my opinion. This has now been going on for one month with a total number of calls above XXXX. They have caused me a great deal of time, grief and suffering and they need to be reprimanded for this ; also my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Loan servicing, payments, escrow account

Complaint: We are a XXXX and did a large water loss for our customer. They have all the money from the insurance company along with there work sheet. They also have my worksheet from the repairs we did. The home was inspected and passed. The work with us is 100 % complete. The insurance company issued the hold back to the Nationstar Mortgage. We are owed {$59000.00} We received a call on XXXX that all the paperwork is turned in. Today I have been on the phone with Nationstar for over and hour and they have n't released our funds. Everytime we call someone different says we need something else. The paperwork that Nationstar sent us is all filled out complete, we have copies of it. They need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Express Recovery Services, Inc. (UT).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: While at work I my name was announced on the company 's PA system loud, that Express Recovery Agent was looking for me and transfer me the call. He identified himself as XXXX XXXX from Express Recovery and he was going to garnish my wages if I did not pay him immediately. He 's tone of voice along with his threatning statement was very blunt and intimidating. I asked for a settlement and he refused and Again made the comment to garnish my pay check and even file a lien on my property.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 12-07-2017 about Debt collection (I do not know) with Convergent Resources, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I

n XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I disputed two items in collections on my credit report. After review, the CRA ( XXXX ) deleted the items from my credit report. Fast forward to approx XX/XX/XXXX ; I notice that my credit score has dropped precipitously, so I go to investigate, and much to my dismay, I find that " XXXX XXXX '' has somehow managed to park this deleted item on my credit report with absolutely no notification. The CA also re-aged the debt, stating that the " date opened '' was in XX/XX/XXXX. This is severely impacting my ability to move forward with plans to purchase a house,
and seems criminal in nature.

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 03/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: We have tried repeatedly to get Navient to transfer our stafford student loans to XXXX because both my husband and I work for XXXX and would qualify for public service loan forgiveness, but each time we apply they deny us saying we did n't file the right paperwork or ignore us altogether. We have applied 3 times and twice they did n't even respond.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was victim of identity theft. Some accounts were opened, and managed without my authorization. XXXX, acct # XXXX. I have already submitted an identity theft affidavit, signed and notarized by me, as well as police report, and other supporting documentation, validating my claim. Equifax has chosen to violated section 605, as well as 611 of the FCRA, by not complying with my request. I did n't incur these charges, nor did I opened any of these accounts. I should n't have to pay for any of these. My credit is ruined due to some individual that has no remorse, and any ethics. I am now paying for this sins.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Checking or savings account (Savings account) with JPMORGAN CHASE & CO. (GA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: 0n XX/XX/XXXX I try to use my debt card and the charge was declined {$21.00} My balance in my Chase Checking Account {$3900.00}. My balance in my savings account is {$54000.00}. I went to the bank location on XXXX XXXX XXXX I went to deposit a check I received from services rendered I am self employed. The teller stamp back of the check with FOR Deposit Chase Bank Bank and then teller received an error message on my account. My account was restricted. A Manager ( XXXX XXXX XXXXXXXX ) said it had to be some type of error since I have been a great customer for many years Never had low balance or NSF Checks. The Manager and I called customer service after being on the telephone and hold for 20 minutes all they would tell us the account was on Restriction Still did not know at that time Chase was closing my accounts. Manager told me to call them back when I had more time and not at the bank.So I called Chase Customer Service XXXX I was told Chase had closed my account. I called back customer service and wanted a specific when and how could I get my money since the the money to my name and Mortgage is due, Car Payment and Insurance. I escalated to a supervisor in Fraud Department XXXX and after him reading scripts for 15 minutes I requested to be escalated again to higher manager I spoke with XXXX. I was told a notice would go out in next 10 days and account had been closed or restricted since XX/XX/XXXX. They were closing my accounts and after the 10 days then they would mail me my funds in my account. Remember my balance is over $ XXXX all the money I have and no money to run my business or pay bills. I can withdraw no monies. All my bill set up on automatic payment for 1st of month would not go out and none of my bills would be paid even though they are still holding all my monies. Another bank is going to hold my check for another 10 days due to size of checks and they have to clear So I can not run my business for 20 days without funds. They transferred to XXXX in Executive Office which I never heard back from XXXX XXXX # XXXX. I was given no notice or reason why this is happening I have been an excellent customer for year with high balances Never had a NSF or Overdraft. XXXX explained to be they would never give me a reason for closing the account and they are not required

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Problems when you are unable to pay

Complaint: Dear Sir ( s ), I had a car through wells fargo and was paying the loan. I got unemployed. They repossed my car after 3 months. I went to XXXX XXXX to get it from the auction. I was back in there grace. I got in a car accident and had medical bills. This time they ask is the car repaired the auto insurance ( full coverage XXXX ) repaired it good as new. Then they said sorry have to talk to the repo department no answer. Reposed the car after fully fix. XXXX stuck me with a bill of XXXX. Without consultation. Filed complaint with credit bureaus they just put customer disagrees. But car had less than a XXXX left on pay off? So they just took the creditors word didnt investigate. Did't check worth of car after full repair etc. And stuck me with a bill. As usual just side with who they work for credit companies instead of at least compiling proof of damages or allowing me to see such. So thay turned a great profit resold the car got someone else a new payoff on a fully fix up car and charge me.

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