milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/XXXX SYNCB C/O XXXX XXXX XXXX XXXX, FL XXXX. Phone number XXXX. This company has any hard Inquiry on my credit report. I never heard of the company. I called XX/XX/XXXX and spoke with XXXX. He couldn't pull up any information on the account. He tried by using my full name, social, birthday, address, phone number. He was not able to find anything in the system. I would like for this to be removed from my report please.

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 01-09-2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (WA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XXXX XXXX, 2017, I noticed XXXX unauthorized charges on my checking account as follows : {$50.00} at XXXX {$110.00} at XXXX XXXX {$110.00} at XXXX Shoes I did not recognize any of these charges and immediately contacted my bank and requested my card to be blocked and replaced. My bank indicated they would investigate the charges. 

At some point between XX/XX/XXXX-XX/XX/XXXX the charge of {$110.00} disappeared ( or " fell off '' ). 

At my request, my bank issued a provisional credit of {$160.00} to cover the {$50.00} XXXX charge and ( erroneously ), the {$110.00} XXXX XXXX charge. At the time, I did not notice that they credited me for the charge that had fallen off ( {$110.00} ), rather than the one that stayed ( {$110.00} ). 

I received a reply from my bank this morning stating that they had concluded in their investigation that they determined the XXXX charge was valid and the {$50.00} provisional credit would be reversed. They also stated that the XXXX XXXX charge of {$110.00} had fallen off, so that credit would also be reversed. There was no mention of the {$110.00} charge that remains on my account. I do not know if this charge was investigated or not. 

My bank is XXXX XXXX ( XXXX ) XXXX www.simple.com The length of time this entire investigation took as well as the mistakes made by simple are very concerning and could be costly to me if not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/2015 I issued an XXXX eCheck to Wachovia/Wells Fargo Bank in XXXX VA for the sum of {$170.00} to be deposited in account # XXXX. On XXXX/XXXX/2015 the Wachovia/Wells Fargo Bank in XXXX VA deposited the check into account # XXXX XXXX. Clearly and admitted by numerous Wells Fargo employees, that this was a mistake, they have refused every effort to rectify the matter. Wells Fargo has said the {$170.00} has been removed from the incorrect account but they have no mechanism or procedure in place to put it in the right account or return it to the issuing bank ( XXXX ). They offered no recourse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: A couple years ago my Husband went from XXXX a year to XXXX a year we fell behind on our mortgage. I n the middle of the Modification XXXX sole us out to Select Portfolio Servicing. So we started another Modidication. We are 24 months deliquant. We just got another Mod and went from3.5 % to 4.5 % our payments went up and we ca n't afford them. We are up side down about XXXX our loan went from XXXX to XXXX I just do n't know where to turn

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have requested from Rushmore Loan Management Services since XX/XX/XXXX to provide the county with information that my mortgage has been transferred to them. Have been trying to have this account paid off and transferred to local bank.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern, I recently refinanced my mortgage loan through XXXX XXXX, an affiliate of OCWEN Loan Servicing. When the loan matured in XX/XX/XXXX, I made my payment accordingly and sent the payment by check via mail. A few weeks later, i received a check in the amount of {$580.00}, which is less than my monthly mortgage payment. This check was titled " Escrow over payment '' and since i had just refinanced my loan, and essentially the old loan was paid off, this did not seem out of the ordinary to receive a check for any additional money that may have been in the account. 

As time went on, I received my monthly mortgage bill for XX/XX/XXXX, and the bill stated I had a past due amount that was never paid. So as any concerned homeowner would do, I got on the phone to try and figure out where the issue was. 

After a very short phone conversation with XXXX, ID # XXXX, he assured me this was a minor problem that stemmed from the new bill and my payment " crossing in the mail '', I was current in payment and a new mortgage bill would be sent out and there was nothing I should worry about. 

In the mean time, I was being reported to the credit bureaus as being delinquent for payment. 

A few days after speaking with XXXX my wife convinced me to call back and I reached and individual, XXXX, who realized there was a big problem. After a 2 hour phone dispute, it was determined that OCWEN has records of receiving my mortgage payment on XX/XX/2015, BUT HAD NEVER CREATED MY NEWLY REFINANCED MORTGAGE LOAN ACCOUNT UNTIL XX/XX/2015. So when i sent my payment in for the month on XX/XX/XXXX, it was rejected ( and split into XXXX sums-for whatever reason- ) and sent back to me under the title " Escrow Over Payment ''. 

I was reported to the credit bureaus for being delinquent for 38 days, and this now shows on my report!! 

When i was on the phone resolving this issue, I was told I needed to make a double payment at that time, so I would not be delinquent for ANOTHER consecutive month! 
I had to make these payments on XX/XX/XXXX, right before XXXX! 

On top of making a DOUBLE mortgage payment 2 weeks before XXXX FOR SOMETHING I WAS NOT AT FAULT FOR, I also now have a poor credit report following me around! 

OCWEN LOAN SERVICING NEEDS TO BE REVIEWED! 

XXXX XXXX XXXX, Ohio

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (Medical) with Automated Accounts Management Services (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to send me collection letters and keep trying to collect on a debt that is not mine. I was covered under my parents insurance so i have no idea where they keep coming up with information even after i 've tried to dispute directly with them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did n't protect my private data enough to prevent hackers from stealing my personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Wells Fargo is trying to cause problems with accurate transfer frim my savings to checking account. The reason b eing they would not give my  XXXX   year old a seperate acct possibly be a teen account to have her direct deposit checks. I am ok with that but if I transfer money her account to mines Wells Fargo will not pu t the money in my account or they will take money out. The purpose is to confuse our account so I will pay overdraft fees. In my checking alone dealing with debiting my account to pay bill they are using her account last  XXXX  and my account last  XXXX  to confuse the  XXXX . Also my daughter they place overdraft protectuon on my our account without my permission. Giving her a debit card . Wells far go caused my waterbill to not be paid in a timely fashiion. I am  XXXX  and on a fix income which they know for years. Every Adult know this is a serious problem they are being malicious I hope your office take this with respect and stop this matter ASAP. This is another scam to recamp their lost. Since  XXXX   XXXX , 2017-current they have change several of my date of transaction . Wells fargo will not let us see our full account including the cash amount so we will not see our tr anaction nor will they allow us to dispute transaction on line and will not let us see the full site to get our account summary.

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 11-02-2016 about Mortgage (VA mortgage) with Ditech Financial LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Have contacted Ditech for escrow refund ( home has been sold ) three times. No email replies to online request. This company never replies to any customer requests. I have to go out of my way to contact them for anything needed. The company lacks any type of customer concern.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax used my credit reporting history negligently, and let my information get leaked. Then, on top of this, they tried to get me to sign up for one year free credit protection, if I forfeit my rights to class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX Navient failed to help me prevent my charges from increasing and they failed to inform me of changes that occurred on my account even though I am on the IBR plan. Those changes on my account caused the monthly payment to increase to more than {$1600.00} month. They then took that amount and somehow compounded interest on it for two months. They said they had to do that supposedly because the income had to be verified again. So they took that and said it was going to be about {$7800.00} charge that would be added to my total amount of student loans. They have done this type of thing to me for years. They constantly fail to provide any help. They have structured their entire system to confuse, distort and take advantage of people. Navient employees harm innocent people 's credit. They permanently cause stress and suffering for people who are just trying to survive, including veterans. They charge those who have student loans extreme high costs and manipulate people so they can charge more and constant increase loan balances to benefit only Navient. Navient should have to pay back all of the money they have taken from student loan holders, including compensating the victims for the pain, suffering, duress, stress and other negative impacts they have needlessly caused against innocent people.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Account opening, closing, or management

Complaint: I have a modest savings account and rent a safety deposit box with Bank of America in XXXX WA XXXX. I received a letter on XXXX XXXX, 2015 stating my account was being closed. I called BoA customer service for information but was told a reason was not required. They stated my account would be closed XXXX XXXX and I would receive my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (Medical) with Pioneer Capital Solutions Inc (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this debt off months ago to company that was handelinf the collection. It is no longer an open account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Prepaid card (Government benefit payment card) with Comerica (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: DirectExpress gave SSI funds to a car rental company ( XXXX ) vs having the funds available for use, living expenses. I did not have knowledge of any dispute or outstanding debt I supposedly had with any merchant. The first cpl times I called in I was told XXXX had a dispute with me. None of it made sense to me. I had leased a car for 3 days in XXXX, but now they are keeping my SSI monies in the negative initially For - {$3900.00} and keeping my checks to pay off this negative amount. Which would be another 6 months of me negative XXXX balance. Due to their mishandling of my Monies -i am now homeless and suffered a XXXX. I am more then slipping thru the cracks, I have slipped - I 'm all the way down. I need someone to advocate for the funds that I 'm legally entitled to as well as the fact that my benefits are federally protected. Ever since I 've contacted them on XX/XX/2016 they have played games with me. The first dispute they never sent me any information on. They always pretended they were going to send me the dispute packet until their 45 days of investigation had ended, then I received a denial letter. So I wrote a complaint to the Treasury dept. The next thing I know I get a phone call from a man named XXXX at the email address : XXXX. He 's lead me to believe he was acting on my behalf, opening another dispute and asking to jump thru another hoop. I 'm writing to ur agency to ask that u would on my behalf give them a swift kick in the but. XXXX has done the same thing, left me hanging onto hope that this matter would be remediated and he was working on my behalf wherein he 's done the same protocol. Having me hang on and be hopeful and then close and dismiss my dispute. He knowhat SSI funds are federally protected and that I 'm doing every imaginable thing to survive this major set back. XXXX and DirectExpress know they could come at my Dispute from a number of directions yet they choose not to. I was so happy to find ur organization, and some of the cases uve worn in the courts. If any agency could be helpful to my situation. And the sooner the better. Allow me to thank u now for any all work u do on my behalf. Sincerely, XXXX pH : XXXX DirectExpress Tracking ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX -- XXXX XXXX XXXX BANK XXXX {$590.00} i have paid this account off in full please remove this from my credit report as XXXX said it would

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with First Data Corporation (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I signed up at XXXX XXXX for a credit card processing machine. The sales person told me I could try it out and see how it worked for me. I returned the machine to him 2 weeks later stating it was too bulky and the monthly fees were too high for the amount I processed. He took back the machine within the 30 days and I was under the impression this was closed and done. I went to check my credit and see a charge for $ XXXX from First Data and when I called to dispute they said he never closed the account or ended the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: XXXX, XXXX XXXX, and Experian continues to allow XXXX XXXX also known as XXXX XXXX XXXX XXXX to continue to keep a medical bill on my credit after it was paid to XXXX XXXX XXXX. ( XXXX ). The original company failed to Bill my secondary insurance. Straight XXXX. Please see attached proof I had XXXX XXXX, XXXX XXXX, and Experian has also failed to prove to me how they are verifying the following account. XXXX XXXX has also failed to send validation of this bill to me. Which is a violation of the FCRA. Please see attached information from previous complaints from the Better Business Bureau, where XXXX XXXX from XXXX XXXX admitted they received a phone call from my primary insurance XXXX, stating that the was sending additional payment. A check in the amount of {$1000.00} with Mail to XXXX XXXX XXXX XXXX, XXXX. BUT THIS BILL IS STILL UNPAID ON MY CREDIT, again this is A VOLATION OF THE FCRA. The FCRA also prohibits any account staying on the credit file if there'sreason to believe the item is being reported in accurately.. Please Please Read All of the following attached information. I 've been trying to fix this issue with XXXX XXXX. This was a hospital/doctors office billing insurance billing error and should 've never made it to my credit file..

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 05/27/2016 about Bank account or service (Checking account) with PNC Bank N.A. (SC).
Issue: Deposits and withdrawals

Complaint: PNC Bank mistakenly withdrew over XXXX from my account on a check that was not mine, nor did it have my account number on the check. I am closing on a house and moving today. I called the bank several times this morning and was told the money can not go back into my account for 24 hours. Well this is unacceptable. I needed the money put back into my account swap and explained what was going on. They said sorry, that 's their policy. When I ask to speak to someone else, I was told there is nobody else for me to speak to regarding this issue ( this was customer service telling me ). So now I am scrambling trying to get money together for closing this afternoon and not sure if I will be able to get that much together. They have left me with XXXX money for something they did wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Late fee

Complaint: Synchrony Bank did not honor its commitment to issue credit for a ONE_DAY late fee of {$25.00} in XXXX 2015. The promised credit was deducted from the payment and Synchrony charged an additional late fee and continues to charge additional late fees. I do not acknowledge the late fees and have tried, in good faith, on several occasions to get Synchrony to credit them off XXXX now {$240.00} XXXX. They refuse to do anything but bully me with their canned responses, incompetent personnel and it 's " my-way-or-no-way '' attitude. 
I have continued to make my regular monthly payment on my Sam 's card and will do so. 
I like to shop at Sam 's, but am denied this experience because Synchrony Bank 's " system '' is designed to strangle trade for their client 's customers!! 
I intend to inform Sam 's Club Investor 's Committee of this situation also. 
I realize to Sam 's and Synchrony this is a very trivial matter, but to me it 's a biggie, morally and economically. 
Any help from the CFPB is deeply appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have recently noticed in the past couple of days that credit inquiry 's for credit cards have been tried to apply from in California, as well as they hit my bank account for {$5.00} for a purchase from a XXXX XXXX XXXX app from California as well and has put my account into the negative. I use to have a lot of inquiry 's and withdraws from my bank accounts a lot and had to have my accounts monitored. for theft activity and it looks like they are doing it again, and I have to stop them because XXXX is right around the corner and I ca n't afford to lose my money again.

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 05-02-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: EXPERIAN has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Please be advised that EXPERIAN HAS NOT under Section 611 ( 5 ) ( A ) of the FCRA - EXPERIAN are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. EXPERIAN is unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from 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