milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2015 about Debt collection (Federal student loan) with Navient Solutions, LLC. (KS).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The company General Revenue Corporation has been contacting family members and friends of mine but not me directly. They have left account information, along with phone number but no company name every time or it is someone that XXXX is not their primary language calling. I have been in contact with the company as well as Navient and both representatives have told me that this matter is no longer being handled by this company. I have gone as far as emailing them to cease and desist calling other parties that have nothing to do with the matter that they need to contact Navient as I have and get it straightened out that this is with another collection agency and the matter is being handled. It is not fair that the company did not inform their XXXX # that this is no longer a matter for them to be collecting on. Plus I know that you can not leave account numbers on an answering machine of another party. You are only allowed to leave your name, company name and phone number when trying to reach the party in question. Information is being left with family members and friends after being told to cease and desist. Want them to get their records corrected and remove all of my information from their systems. I never gave them my friends or family phone numbers either so not sure how they are getting them. I believe they are using skip tracing tactics to get the phone numbers of potential relatives.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Credit card () with WELLS FARGO & COMPANY (CO).
Issue: Credit line increase/decrease

Complaint: Wells Fargo Credit Card issued me a credit card i believe back in XX/XX/XXXX. I have been using that card recently. I have a XXXX credit limit. Recently I was unable to use the credit card for a purchase and contacted the number on the back of the card. When I spoke to the representative at Wells Fargo Credit Card he said that They extended me credit this past month because I am a valued customer who makes their monthly payment on time and overtime. So because I am a " valued '' customer they gave me more money then my contractual {$5000.00}. they did this without warning me or notifying me what was happening. Now they claim that I have until XX/XX/XXXX to pay the overlimit fee and my monthly payment of {$100.00} This amount comes to {$880.00}. I do not understand why they extended me credit when I did ; t ask for it. I expect that if I go over my limit I am going to be declined at the register. Why was I not declined and or notified and why am I being punished now by having to pay the whole amount back within a month. I do n't care if they think I am a good customer or not, should n't it be my decision if I want more credit? Where are my rights? Am I XXXX by Wells Fargo? Please help! Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Loan servicing, payments, escrow account

Complaint: We are trying to drop the PMI off our loan and had an appraisal done showing our property value at {$160000.00}. Our loan balance is {$120000.00}. Making our LTV 76 %. When we requested through Bank of America to drop our PMI, they refused saying we needed to be at 75 % LTV instead of the 80 % we feel we are entitled to under the Homeowner 's Protection Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Consumer Loan (Vehicle loan) with DriveTime (VA).
Issue: Problems when you are unable to pay

Complaint: I have an auto loan with XXXX. The vehicle I have discovered is only worth about XXXX however the loan is out for XXXX. This is due to thr high interest rate and overstated price at the time of purchase. I fell behind on payments. XXXX called me numerous times. At times over XXXX times a day. I did eventually make payments but also was told by Drivetime that they would defer my late payments to help me out. A few weeks later, XXXX repossessed my car. There are exhorbitant fees charged equal to entire car payments. Buying. Car from XXXX is not like buying a car from other places. It is a bad deal and impossible to improve your credit from.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (WA).
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: I had disputed charge with my bank Citi. They sent me the following : Thank you for contacting Citi ( R ) Cards. This letter is in response to your inquiry about the transaction described below made with card number XXXX : Date Amount Description XX/XX/2017 {$5000.00} XXXX XXXX XXXX XXXXXXXX WA Due to the amount of time that has passed since this charge was first billed to your account, we are no longer able to assist you in this matter. We previously issued a conditional credit to your account for the amount in question pending the outcome of our investigation. Now that the investigation is complete, we have rebilled your account for this charge along with any related fees and interest charges. All adjustments will appear on your statement within 2 billing periods.

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 09/27/2016 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX has embezzled our homeowners insurance draft of {$24000.00} that was paid to us by our insurance company for storm damage. We have fixed 90 % of damage with our own funds and the bank has sent inspectors 3 times and has still not released our funds and are playing with our money and emotions for the last two years. Trying to get them to release our funds has not worked and in the meantime they have " sold '' the mortgage loan servicing to Rushmore Loan Management Services and they repeated the above process and not returning phone calls or communicating by mail or email. 
This money is being illegally held by the mortgage servicer as it does not belong to them and was specifically for home repair that we had to complete before the bank would release the money. The bank requested detailed invoices and releases of liens from the repair companies that fixed the damage that we paid for. They also sent out inspectors at different times and have not released our funds since the last two years. The fair resolution is that they immediately release the {$24000.00} and pay the costs and interests on this amount. Thanks. 
Please help protect the consumers!

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Account was paid and closed, but continues to appear as a negative on all XXXX major reporting agencies. Even after all items were disputed, all items still remain which continues to damage my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: I have a loan with XXXX XXXX XXXX XXXX and it has been charged off for sometime now however they keep re-aging the account and this practice is illegal. I filed a dispute with Equifax and all they did was verify that the account belonged to me. That was not what I was disputing. So I would like the account deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had receive a credit report on XXXX XXXX, 2016 report # XXXX. I tried to use contact information at experian.com/disputes to dispute XXXX claims. It would not let me dispute these on this site. XXXX were XXXX XXXX for student loans. These loans were sold to XXXX and are in good standing. XXXX is XXXX for a car that was supposed to be included in a banruptsy 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 non-monetary relief
Consumer complaint received 11/22/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone in the State of Utah has obtained my personal information. They were even working with my social security number. There were numerous collection accounts showing on my credit report. I have been successful in removing several but not all. These accounts are not mine and I do n't understand why the credit bureau is refusing to remove them. Please advise as to how i can have these removed as they are seriously affecting my life. Im trying to move into a home and this is causing a huge problem. I could potentially be homeless with my XXXX children. 
thank you!

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 10/16/2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I believe that Shellpoint Mortgage Company has violated a code of ethics. They have collected overpayment from my mortgage payments and can not provide a specific answer as to where the funds have gone and why my balance remained the same despite catching up my payments. Also, they charged a fee of {$350.00} for a loan modification application which was not even reviewed due to supposed missing pieces of information. At no point was I made aware that there was a fee for applying for a modification. If I need loan assistance it seems underhanded to charge an excessive fee on top of what is already owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Filed a dispute of a credit card to TU in XX/XX/2016 for the amount they were reporting since it wasnt correct. Instead of correcting the amount, they completely deleted the credit card from my credit report. Every other credit bureau is reporting this card and I have called TU repeatedly to fix this and they wont. I have called the Credit card and they are still reporting my card usage to TU but TU refuses to add it back to my account. Since this has happened I have been not able to move forward in getting a home because they have severely damaged my credit score. They will not fix this, please help.

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 01/23/2018 about Debt collection (Other debt) with TrueAccord Corp. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I was notified that a debt from XXXX XXXX XXXX was transferred to a 3rd party source, TrueAccord on my behalf. I contacted TrueAccord on XX/XX/XXXX and spoke with an agent, XXXX ( Agent ID XXXX ) in which she confirmed all information and debt was being handled by TrueAccord. I was a settlement in the amount of XXXX and agreed to pay amount stated by next business day. Agent confirmed settlement amount would be sent to my email for payment and confirmation of payment would be sent via email from TrueAccord to myself immediately. I was informed that TrueAccord system would be updated with payment immediately as well and debt would be sent to original creditor within 72 hours. I received email confirmation as such as well. I did explain to them that I was in the process of purchasing home and would to need have letter or email stating balance was settled and at {$0.00} balance. XXXX informed me that TrueAccord does not report to any credit bureaus ; only reports to original creditor of any updates. I paid XXXX online with TrueAccord website on behalf of XXXX XXXX XXXX. When I spoke with XXXX XXXX XXXX on Tuesday XX/XX/XXXX I was informed then only that I would have to wait 60 days to have a letter that shows balance was paid and settled as {$0.00}. This was not communicated to me from TrueAccord nor XXXX XXXX XXXX in which is delaying my mortgage loan. My family was displaced due to Hurricane Harvey in XXXX XXXX and am currently being stressed to the capacity due to this is the only delay we have because of XXXX XXXX XXXX  and TrueAccord. This is bad business practice and immorally just wrong. I spoke with XXXX, Supervisor at XXXX XXXX XXXX and was sent a letter only stating account was not cleared. Per the mortgage loan processor, I explained to CFS the letter would have to state balance was cleared at XXXX prior to receiving inaccurate information from XXXX. I have requested to speak with the CFO/COO at XXXX XXXX XXXX and to no avail. Please help. The XXXX has also been deducted and cleared on my bank 's end as well for payment. This is outrageous and I will not stop until there is a sensible resolution and a letter is submitted to myself and husband that debt is resolved, settled, and no monies are owed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax still has an error listed on my report, I disputed and no one ever even contacted the creditor. I called XXXX and the payment was deferred the due date. This account was never past due and Equifax has it listed past due.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Federal student loan) with Total Card, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Paid debt in full, and debt collection company is refusing to return phone calls or write a letter to my school ( University XXXX ) so that I can have my transcripts released to a school that I am transferring to next month.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: the lender was sent our QWR on XXXX/XXXX/16 which has never been responded to by the lender - the lender is in violation of the clients right to counsel and our right as counsel to obtain the needed info to properly assist this client in obtaining assistance with the lender

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 10/19/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (NJ).
Issue: Managing, opening, or closing account

Complaint: I have not been able to access my accounts since XXXX XXXX, 2015. I call Rushcard 's customer service line and not only is the wait over two hours but once you reach a representative, they hang up on you. I spoke to the representative on XXXX XXXX. I was told that since I can not transfer money from XXXX account to the other, I can request new replacement cards. Not only ca n't I access my money but I was told that I will be charged {$34.00} per card. I was promised that my cards will be delivered to me no later than Monday, XXXX XXXX ( XXXX delivery ). I contacted Fed-Ex and there is no record of any package being sent to me. Not only did Rushcard lie about sending me new cards so that I can access my money but they also lied about sending it via FedEx after I was on the phone with different supervisors for three hours. My cell phone got disconnected, my lights got shutoff and I have had to resort to friends and family for help with gas and groceries for me and my XXXX daughters. This has created an enormous financial hardship. I was not able to pay for my daughters ' childcare s I have missed days of work. Not only am I unable to access my money but I 'm losing money in the process. Something needs to be done against Rushcard and I am looking into filing a lawsuit for my pain and suffering! Please help! I am a single mother who works XXXX jobs to make ends meet and that is still not enough. Someone needs to give me answers since Rushcard continues to hang up on me after hours of being on hold.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-08-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (AL).
Issue: Application, originator, mortgage broker

Complaint: This is a dispute regarding claim XXXX. I received a XXXX package on XXXX/XXXX/XXXX, duplicate of XXXX package. Still no explanations. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX my property taxes were assessed as a business instead of a residential property. It was a {$400.00} or more increase. XX/XX/XXXX, I paid XXXX in taxes. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX my property was assessed as residential, this is when my PMI insurance went up. In XX/XX/XXXX my PMI was prepaid XXXX according to my HUD statement. XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX ( up XXXX ), XX/XX/XXXX I paid XXXX ( up XXXX ), in XX/XX/XXXX, XXXX ( up XXXX more dollars ). XX/XX/XXXX, XXXX. XX/XX/XXXX, XXXX. When my property taxes go down my PMI insurance goes up. This type of fluctuation deserves an explanation. I also have not received and explanation of the escrow shortages. Wells Fargo owned the property when I purchased it, it was over appraised at XXXX so FHA would insure it. My mortgage was executed@XXXX, in which it 's only worth. The property never had a clear title. The loan was not within FHA downpayment assistance guidelines. Wells Fargo did n't disclose the lien, but tried to hide their identify by transferring it threw XXXX XXXX XXXX. The lien was very apparent, but the property was continuously sold. My property have be reappraised and reassessed, sold, allegedly transferred, but never assessed, until five years later, which not executed by me. Enough is enough. You ca n't get my money and not give me and explanation on what Is going on with my loan. Still waiting on answers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Debt collection (I do not know) with ARC Management Group, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am receiving continuous calls from XXXX. I do not answer because I do n't recognize the number. It is a Georgia phone number. I only know what it is from researching it on the Internet. I want this number to STOP calling me.

Company response to consumer: Closed
Consumer complaint received 09/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (WA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Called Citicards ( Citibank ) to close out an unused account that is in good standing with a {$0.00} balance. I did not have a phone number that they could verify so they would not let me close the account. I have a cell phone only that they could not verify. They suggested I give them a number of a relative with a landline so they can send me a verification code. I provided my SSN and all of the proper security questions but they said I needed to have a verified phone number. I do not have anyone to call to have a verified phone number. All I want to do is close the account. I called two different times and spoke to supervisors but they told me until I get a verified number, there is nothing they can do. Very frustrated and need some help.

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 06/28/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax and XXXX are reporting a false Judgement lien from like New Jersey that is not in any way personaly related to me and I ca n't seem to get Equifax and XXXX to remove it from my reports. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Credit card () with CITIBANK, N.A. (CT).
Issue: Transaction issue

Complaint: I have all my credit cards on Auto Pay. XXXX including a car payment. Citibank credit card na of South Dakota now processes Home Depot Credit. I have been getting late fees and put into collection because Citi transactions with the bank have failed. Money is in the bank but they seem not able to access it. I do n't no they ca n't access it on my Citi cardI have never had an auto pay fail, what is the point if you ca n't trust them. I 've explained this to Citi so many times but the reps just want to keep updating auto pay. 
I wrote them a letter. An never heard back. 
I must have gotten a call every Sunday for the last four months. 
I am now sending them a demand letter. ( copy attached ) A demand letter needs an address but my SState says I can give to a teller? What! 
Also, Citi should make the address for registered agent clearly available. If they do n't want to talk to you. You should at least have the right to serve them. Citibank na ( South Dakota ) The branch of Citi that manages credit cards. Do they have a registered agent? 

I want Citi to clean up my relation with Home DepotI want Citi to clean up the all late fees on Citi Card and Home DepotI want to compensation for my credit being damaged, calls which were so misinformed they talked about my old bank'I wanted to compensation for negligence and advertence of the issue so late charges would mount. 
Customer service having conflicting or no data about current information. 
Customer service armed with only half truths causing conflict. 
Citi to pay a fine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation