milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX, Experian, and XXXX are reporting an unverifiable bankruptcy on my credit report in the amount of {$0.00}. Every time I call XXXX, Experian, and XXXX to dispute the bankruptcy they always tell me that they verified it through the courts. I went to the louisiana bankruptcy courts to see if that was true and they insured me that it was not true. The louisiana bankruptcy clerk informed me that the courts do not verify nor validate any information to the credit bureaus. She also prepared a letter to send out to me so I could have it in writing. When I called XXXX and Experian to inform them about the incorrect information they told me. They said they verified it through pacer so I emailed pacer to see if they verified anything and pacer also respond to my email stating that they do not verify anything, I will attach the email to this complaint. After getting the email and calling the XXXX to follow up with the bankruptcy dispute the guy who answered my phone call was foreign so I couldnt understand him so I asked for the u.s special handling department. A supervisor in the u.s department took my call and told me she couldnt tell me exactly how it was verified. I informed her that she was violating the FCRA laws by keeping that information from me. She then told me they may have verified it through XXXX so after talking to her I emailed XXXX to ask them how do they verify bankruptcies. They said they verified them through the courts, i then emailed XXXX back and informed them that I had spoken to the courts and they do not verify bankruptcies. When XXXX emailed me back they did not respond directly to the message they had me to call them. Upon calling XXXX and explaining why I got in touch with them they told me that was incorrect information and that they do not have the right to verify bankruptcies. XXXX, XXXX, and Experian have constantly lied to me about the bankruptcies and gave me false information about verifying the unverifiable bankruptcy. XXXX, XXXX, and Experian are in direct violations of the fcra. XXXX, XXXX, and Experian is reporting the unverifiable bankruptcy through hearsay of some sort and that is also a violation. Experian, XXXX and XXXX can not continue to violate my rights.

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 02/24/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Balance transfer

Complaint: I received a credit card solicitation from Bank of America in the mail to transfer high interest CC debt onto a Bank of America CC offering 0 % interest for two years with a 3 % balance transfer fee. I filled out the provided application in the BOA website that I was directed to in the solicitation and entered all the information asked for along with the {$8000.00} dollar amount of credit I needed to pay off the high interest card. I was expecting to be either approved for that whole $ XXXX amount or disapproved entirely. I immediately received an approval but for only XXXX % of the amount of the balance transfer I was asking to be credited. I was going to close the other high interest rate card if I was approved to eliminate the number of CC 's I have to better my Credit Score so that I could consolidate existing CC debt in a low interest personal or heloc loan. Instead, now I have an unwanted CC that I paid {$75.00} for, ( 3 % of balance ) which lowered my credit score XXXX to XXXX points. There was no disclosure to warn me that if I applied and was n't approved for the entire requested amount that I would be approved and given a CC for a lesser amount. This is a bait and switch unfair practice and I would like to know what my options are to rectify the damage that was done to my credit score.

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 09/20/2017 about Mortgage (Other type of mortgage) with Shellpoint Partners, LLC (OH).
Issue: Closing on a mortgage

Complaint: Last year on XX/XX/XXXX. My husband XXXX XXXX. We had a XXXX loan with mortgage insurance. I Called XXXX XXXX/XXXX ( spelling ) and informed them. First of all they only record calls they want. I explained that my husband passed suddenly. They would n't speak to me because my name was n't on the loan. Last I looked Calif. was a 50-50 state. When I finally was able to speak with someone they wanted the death certificate. It had n't even been published yet! We were not behind. But I did send them a copy and they signed for it. I was then told I had 3 days to vacate my house or they would send the sheriff to put me out. I got so XXXX I ended up in the hospital with XXXX XXXX. i told them I would need at least 3 months. So as not to become homeless or a bag lady, I sold everything and purchased a substandard home in another state. They told me not to worry about owing on the house because nothing was in my name. Then every month for a year plus they sent me bill after bill while saying they did n't have to talk to me or offer me squat on saving my house there. They said the house was foreclosed on and sold in XX/XX/XXXX at auction. Then Shellpoint mortgage opened an escrow in my XXXX husbands name and has started sending me bills! I called them twice. How illegal is it to open accounts in a XXXX persons name and then harass the widow each month by sending them a bill to their XXXX husband? Each month it rips open the wound of losing my husband. I want them to stop, my health is not great. Their should not be any accounts opened in his name period by any predator, sham companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Late fee

Complaint: complaint about my Macy 's store start rewards card : There is no way I can connect with a person to talk about my dispute on late fee. the statement lists a phone number for customer service but it kept taking me back to start menu, after the message : all our customer service rep are helping other customers ... .. ''. I called again with a toll free number and it does not give a customer service option. I went to their website and a chat screen popped up thinking I can not figure out how to purchase. The person on chat said you have to wait till next billing cycle to talk to someone. I can not tell who this " someone '' is. when I asked send me the link to chat option so I can call to discuss my billing issue for late payment by one day, she said : " there is none ''. so I asked how do I find you again as you seemed to be the only one I can talk to and she said just click away and a window will appear but no option to find me. It sounds like scam to not allow customers to call to a person so they end up having late fees and finance charge. major credit cards are good to loyal customers and I am Macy 's customers for 10 years and can not talk to a real person. what is going on and what are my rights?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/22/2017 about Debt collection (Medical debt) with Stallings Financial Group, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by  Stallings Financial Group o n Friday,   XXXX   XXXX    2017 at  my place of employment concerning a claim that I owed {$180.00} to   XXXX   XXXX   XXXX   XXXX   XXXX  . I spoke with  XXXX   XXXX  and explained to her that the debt had been paid previously. She stated I would have to have the practice contact her and confirm this. The practice was closed for lunch when I contacted them so I logged onto their patient portal and made the request. This payment had been made on Monday,   XXXX   XXXX    2017 by  means of my  XXXX   XXXX  for which the payment information had been dropped off in-person at the practice.     This amount had gone overdue due to the practice sending the invoice to the wrong mailing address. They had the correct mailing address but did not use it. I had not been informed of the debt until the current resident at my old address had provided me with some pieces of mail that they had received for me.     I contacted  XXXX   XXXX  by  telephone  a second time on Friday,   XXXX   XXXX    2017 an d told her that I had a copy of the   XXXX   XXXX   statement showing the payment had been made a full month earlier. I asked how I could email this to her and was told to email the scanned copy to   XXXX  , include the Item number and that they would take it from there.     On Saturday,   XXXX   XXXX    2017, I r eceived a letter from  Stallings Financial Group  demanding payment for this same debt. On Monday,   XXXX   XXXX    2017 I co ntacted  Stallings Financial Group  and again spoke with  XXXX   XXXX . She stated that they had not received the email and to resend it. I told her that I wanted a fax number to send the information to as emailing this information had not been effective previously. I called her back 2 hours later and she stated she had received the fax and that it was being " reviewed '' by her manager. I asked when I would receive a call back or when I should call them back to confirm that the issue was closed. She informed me that I should " give it a week ''.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Mortgage (VA mortgage) with PLANET HOME LENDING, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My Husband and I have been paying and trying to become current with the back Mortgage that we owe to try to become current and every time we start to get close to paying it down to pay it off, PLANET HOME LENDING refuses to except any more money.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit card () with PAYPAL HOLDINGS INC. (WA).
Issue: Other

Complaint: According to the terms of my paypal credit and the most recent statement my payment should be {$25.00} however paypal claims it is {$120.00} after 7 hours on the phone they refuse to correct this obvious mistake. The minimum payment is {$25.00} not {$120.00}. They also refused to allow my to dispute a charge of {$390.00}. Many calls were placed to paypal and paypal credit in regards to an item that was delivered broken and useless. First the claimed that the time limit was 45 days when the written invoice stated 180 days. After many calls disputing this fact finally they agreed to a refund, but that was not true and many months later now state that it is past the 180 days so nothing can be done but every effort was made to dispute the charges immediately upon arrival of the product in bad condition. They state that it is not possible to communicate with anyone beyond customer service and that there is nothing customer service can do. It is very troubling when a company and take XXXX of dollars from you in fractions of a second but any effort to correct a mistake or protect the consumer from fraud can only be done slowly over many months and in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Late fee

Complaint: I used my Bank Of America CC last XXXX for paying my tax bill. I did the check that gave me 0 % interest, I proceeded to go on line and setup and automatic bill paying. from there I do not know what went wrong, whether I put the wrong date in or the system did. So the bill is due on the XXXX of each month XXXX XXXX and my scheduled payment goes in on the XXXX. I have never seen a notice come to me either by email or by US mail that I was considered late. They continued to charge me a late fee of {$37.00}. ea month until today XXXX/XXXX/XXXX as I received my email indicating my bill is due the XXXX. So I went in and reviewed it, it looked like my auto pay was on, then I looked at the pdf of the monthly statement : late fee XXXX payment XXXX. So I called the number on my statement explained not sure why this was setup this way and please credit back the late fee 's that have totaled {$330.00}. I escolated it to a manager as the person could not assist, he only credited one month. I asked why is it that I have never been notified I was late on a payment, he pretty much said it was my responsibility to pay on time..I am not happy that Bof A has taken no steps to contact me since LAST year on this, ,I 'm not sure what to do now to get my late fee 's credited back. 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 monetary relief
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: s XXXX equity line is not reporting that in XX/XX/XXXX or XX/XX/XXXX that I was late. was ' never late in the month of XX/XX/XXXX please make entire year today correct with no lates!

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Terrible experience with F ed LoanServicing.  I am in the PSLF program. When I submitted my first ECF, my loans were switched from  XXXX  to FedLoan. I received no credit for past qualifying payments for PSLF that were amde while being serviced by  XXXX . I called a few times and finally someone was able to " help '' me.   They said my account files needed to be thoroughly reviewed, and that I would learn of the results of the review  in 12 weeks. It has been more than 12 weeks and no one is able to say anything other than : File is still being reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/15 my house got damaged because of very strong winds. Per " XXXX XXXX '' insurance the damage included the roof, ceiling of the living room, etc., in total amount of {$11000.00}. They quickly sent the check and instructed to contact our Loan company ( Seneca Mortgage Servicing ) for loss draft. Ever since XXXX/XXXX/15 I called them around XXXX times, faxed and mailed out all the documentation they requested, however ; even though I have spoken to different representatives at different times, it appeared that they were just reading a ready script, repeating the same thing over and over ( " please, allow us 7-10 business days '' ). It is worth to mention that even after 40 business days they still have n't done anything. So, I requested to speak to a supervisor, who XXXX XXXX XXXX XXXX called back on XXXX/XXXX/15 and left a voice mail on my phone stating that within 3-4 business days the " whole thing will be done and you will have the check '' ). I was shocked when after 7 business days of waiting I called back and the next representative told me the same script " please, allow us 7-10 business days ''. This is a mortgage company that is suppose to make sure that consumer 's house does n't go to foreclosure, instead, because of their careless attitude I literally live without a roof, the damage of my house gets worst and worst, since within 3 month there have been more winds and rain. Neighter the representatives, nor the supervisor care that my family 's health and well being is under a big question mark. 
I would like to request your assistance in getting my insurance check ASAP since it became impossible to do business with Seneca Mortgaging Services. 
Thank youXXXX XXXX

Company response to consumer: Closed
Consumer complaint received 11/22/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX payment was made of {$3500.00} .. then they done a payment correction of {$3500.00} on XX/XX/XXXX..they added {$3500.00} to my balance,, I called they told me they would correct this.. then again they did a payment correction of {$3500.00},, when they did the correction they added {$7000.00} to my account .. i called 4 times they told me my XXXX went to another account i have no other account?? with interest charges and other fees my balance went from {$3200.00} in XX/XX/XXXX to {$1100.00} in XX/XX/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 explanation
Consumer complaint received 06-06-2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (TX).
Issue: Trouble during payment process

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  advised that my loan servicing was transferred  to PNC M ortgage. My notice advised that I had 15 days before having to make payments to another servicer. To put this in context, I was about to go on a 60 day trip overseas and could have completely missed this letter. The amount of time given was completely inadequate and I could have lost my home to foreclosure or at the least been charged a slew of fees and had my credit damaged. This is completely unacceptable. Given that my loan is for 30 years, nothing should move as fast as this. 3 months should be the minimum amount of notice of a transfer. Auto-draft payments should transfer, and there should me much more notifications than a simple letter in the mail that can easily be lost.     Additionally, I called the company today (  XXXX / XXXX / 17  ) and am unable to make my regular payment. They advised that my loan was " being processed '' I would not be penalized. I however, have no written guarantee or protection.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Debt collection (Other debt) with SYNCHRONY FINANCIAL (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have made several phone calls to XXXX XXXX XXXX XXXX XXXX as well as submitted a Better Business Bureau dispute on XX/XX/XXXX in regards to XXXX alleged debts ( XXXX and XXXX XXXX from Synchrony Bank ). Neither Synchrony Bank nor XXXX XXXX XXXX XXXX XXXX have yet to provide me with any validation of any alleged debt owed as well as the fact that I do not have any contract with this third party debt collector. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX responded to my BBB complaint stating that they would be removing the tradelines from my credit report. As of this day, XXXX XXXX XXXX XXXX has not provided me any validation of proof and also not honored the outcome of my BBB complaint in which they responded. When I spoke to them in regards to the response, they stated that they did not write anything. I have disputed with all three credit bureaus and they are sending back correspondence that XXXX XXXX keeps reporting the alleged debt as verified. That can not be possible as they have not even sent me verification or validation as the assumed consumer on these accounts. I am at a standstill because the credit bureaus are not willing to update my reports to reflect accurate information as well as XXXX XXXX is not upholding the law in regards to providing legitimate proof of any alleged debt and ensuring that I am the correct owner of the alleged account. I have been rudely spoken to XXXX XXXX XXXX XXXX as well as XXXX, XXXX, and XXXX representative and told that valid proof does not have to be sent to me. Although, this is my right as a consumer to have valid proof of any alleged debt against me. I have documented proof from the BBB in regards to XXXX XXXX not being able to properly verify the account that I have sent to both XXXX XXXX and all three credit bureaus. Each company is placing the blame on the other and it is negatively impacting my credit. I want these accounts removed from all three credit bureaus ( XXXX, XXXX, and XXXX ) and pursuit of collections ceased.

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 04/29/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm in a high interest only loan with Bank of America and I am in the process of refinancing. When we called for a payoff they had late fees and inspection fees and a random fee of XXXX . I have sent in all bank statements to prove none of the fees are correct. XXXX XXXX said if I could get here my bank statements faxed to her she would take care of it by XXXX on XXXX/XXXX/2016 as I needed the payoff to close on my refinance. That never happened and I never received a return phone call as she promised and she will not answer my phone calls, So every time I call I get a different person who ca n't help and have put over 50 hours on the phone with them. My refi did n't happen and still has n't happened due to them not resolving this issue. They also reported me 30 days late for XXXX claiming I did n't pay XXXX. So now that is affecting me from being able to refi. I produced a letter asking that to be removed. In the meantime it 's causing a hardship to be held in the loan. This loan has increased and I can not afford it.

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 03/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My HOA in Virginia changed management companies, and my payments were never credited to my account, so the HOA said it would file a lien against the property. In effect, it filed a collection that became a default judgment. I hired an attorney to set this aside ; she failed to do so, even when I paid all the payments they said I owe. The HOA attorney actually filed a removal of the lien. My attorney did nothing. ( I dispute that I owed the total, but I was more concerned with my credit report so paid even when in effect I XXXX the HOA. ) To date, this " judgment '' is still on my credit report, even though it should have been removed. I 'm attaching the " removal of judgment lien. '' My question now is whether I have to hire another attorney to set aside this default judgment and have this stain removed from my credit report, or will this " removal of judgment lien '' suffice? No one is answering my queries on the matter. I even disputed this with Transunion but they did not allow uploading of info so it 'll likely go nowhere. Thank you for whatever help you can offer.

Company response to consumer: Closed with explanation