milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have sent 3 certified letters to XXXX, experian, and XXXX  regarding the status of my XXXX XXXX XXXX. The account is marked closed when it should be reporting open and the account is reporting delinquent when the company deleted the delinquencies and also credited the account for {$280.00}, the correct amouth that should be reporting is {$510.00} not XXXX. XXXX, experian, and XXXX  is reporting inaccurate information regarding this account. This is a violation of the FCRA law.

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
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, XXXX XXXX tried to have a credit item removed that was re-aged by XXXX XXXX XXXX XXXX. I showed proof that XXXX had cut off approximately seven-years of payment history. The fact that I modified the original loan does not lock out the pre-existing payment history. The Federal Trade Commission has through several mandates to stop credit bureau subscribers such as XXXX XXXX XXXX XXXX XXXX from re-aging of credit trade lines. The facts are as follows : Original mortgage taken from XXXX XXXX XXXX XXXX XXXX with account # XXXX Original mortgage transferred for servicing XXXX XXXX with same account number Loan transferred to XXXX XXXX XXXX XXXX XXXX XXXX with same account number Loan modified XXXX XXXX, and a new account number was assigned # XXXX Loan continuation of payment history must be applied to loan number XXXX from loan number XXXX The fact that XXXX XXXX XXXX XXXX has XXXX XXXX XXXX XXXX of payment history on the new account number is a re-aging process where the trade line timeline is illegally XXXX should have been XXXX XXXX, as the original first late payment shows on file number XXXX XXXX XXXX. 
I request a full and complete reinvestigation by Experian on this matter, as XXXX XXXX XXXX, XXXX has avoided the subscriber agreement with a credit reporting agency. Therefore, since the complaint against XXXX was not rectified, I must file an FCRA violation complaint to remedy the matter. 
The XXXX XXXX XXXX, XXXX account # XXXX must be deleted permanently!!!

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 04/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been trying to understand the terms of my student loans from graduate school. The loan originated with XXXX. It was purchased by another bank, then XXXX XXXX and now Navient. When I looked at my account, the interest rate remains the same but now the end date is XX/XX/2032. I attempted to call the XXXX XXXX XXXX and before that this morning I called Navient directly. For both calls I was unable to reach a manager and was informed the agent is offshore in the XXXX. No one can tell me the details of my service loan and it has been purchased many times.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
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: Voluntarily offered collection company {$500.00} to settle acct. Accepted. Stated would remove from credit hx. Remained on credit report as paid in settlement. Disputed XX/XX/XXXX as I was expecting acct to be deleted from my credit report. Scheduled to be removed 7 years after original loss, report would expire off my credit hx in XX/XX/XXXX. By requesting removal of report, Experian updated, as below, and now my report will show as bad collections ( Paid in settlement ) until XX/XX/XXXX. That 's what you get for trying to resolve the situation. 

Status : Paid in settlement. 

Status Details : This account is scheduled to continue on record until XX/XX/XXXX. 
This item was updated from our processing of your dispute in XX/XX/XXXX.

Date Opened : XX/XX/XXXX Reported Since : XX/XX/XXXX Date of Status : XX/XX/XXXX Last Reported : 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 03-07-2018 about Money transfer, virtual currency, or money service (International money transfer) with WELLS FARGO & COMPANY (OK).
Issue: Fraud or scam

Complaint: OnXX/XX/XXXX, I received an email to my company email address from our XXXX vendor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) changing their wire instructions to Wells Fargo bank , account # XXXX. Two wires were sent out : first onXX/XX/XXXX in the amount of {$34000.00} and second on XX/XX/XXXXin the amount of {$40000.00}. Both wires were for the beneficiary of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I was informed by XXXX XXXX that the wires had not been received. Then on XX/XX/XXXX, I was also informed by XXXX XXXX that their email system had been hacked. On XX/XX/XXXX, my bank files two wire transfer service request forms to return the funds due to the fraudulent account. The only response ( received XX/XX/XXXX ) received back from Wells Fargo so far is that there are no funds in the account to return.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have reached out by cerified mail and have even made phone calls to get these unauthorized inquries removed from my account. Yet they still have not removed the following inquries : XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, 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 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 not sufficiently protect my records, and as a result they allowed a breach of their system that resulted in my private financial records entering the public domain

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX has been trying to collect a debt for over {$1400.00} for cell phone service that I am not responsible for. I have contacted them on many occasions to explain that this is a fraudulent account and have requested that it be cleared and removed from my credit report.I do not know the origin or the phone numbers associated with this account.I currently have an account with them that was opened AFTER this debt was incurred.They refuse to remove this debt as being my responsibility.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Hello to whom this may concern, My name is XXXX XXXX and on XXXX XXXX 2015 I received a letter from Bank Of America stating that they were forgiving my second mortgage debt. I ' am currently in the middle of a refinance transaction and am trying to get the forgiven lien from my property title. I have contacted Bank of America several times now trying to additional information for the title company but I have ben told that they might take any where between 30 to 90 days. This effects my current transaction and locked interest rate. If I do not get anything from them soon I might be subjected to new interest rate pricing or not qualify at all. What I would like is for Bank of America to provide me with a letter to satisfy the lien and have it removed from my title. 
Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Payday loan () with GVA Holdings, LLC (NJ).
Issue: Charged fees or interest I didn't expect

Complaint: I ca n't pay, too high interest.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (IL).
Issue: Settlement process and costs

Complaint: I am furious of the way US Bank has handle my XXXX of credit. I was asked to provide prove from US Bank offering a settlement. I provided a letter stating US Bank was willing to settle with me if I pay them {$19000.00}. After I when to a US Bank branch and deposit the {$19000.00} US Bank is denying me my settlement documents. Agent XXXX disclose to me there is no record of the document I presented. This is a huge problem because I deposit US Bank the amount they were requesting to settle. This is prove US Bank is practicing fraudulent and deceptive practices in order to deny me any assistance. Please help me US Bank does not wan to help me. I have explain numerous times I do not have any funds available, the money I gave US Bank was from a severance packet my husband receive from a work injury. Since then he has not work I am the only source of income.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (OH).
Issue: Loan servicing, payments, escrow account

Complaint: We have not received our disbursement check from Roundpoint Mortgage Servicing Corporation. The loan officer at XXXX ( who did the financing ) confirmed the loan was paid off on XX/XX/2016, the {$2100.00} was disbursed to us on XX/XX/2016. He was quick to get back to me. I contacted Roundpoint online thru my account and their secure message center. They have not responded. I have logged another request to them today asking why they have not gotten back to me. I also spoke to them on XX/XX/2016 inquiring about the delay. The representative told me to wait another week. It is now 16 days later since the disbursement and we have not received " the check in the mail ''.

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 07-02-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo has repeatedly charged me overdraft fees of {$35.00} on charges instead of declining them. When I inquired about the charges, the representative told me that I had signed up for overdraft protection. The only overdraft protection I ever signed up for was when I had my checking and savings accounts linked, and if my checking was short then they 'd transfer it from my savings. I did not sign up to be charged this amount for not having enough funds for as little as a {$5.00} charge. 

They are also not allowing charges to post when they are incurred. For example, I had a charge for my child 's tuition and XXXX bill come through on my account, and saw them posted. The next day the charges were gone and the money was back in my account. Then a couple of days later, the charges were there again. This type of back and forth can make someone think there is more money in their account than there actually is. I recently had a charge on XXXX/XXXX/16 and it did n't come through to my account until XXXX/XXXX/16. By that time, my account was overdrawn and that {$20.00} charge ballooned into {$55.00} ( with their {$35.00} fee added ). This has happened to other people that I have spoken to also that have accounts at Wells Fargo.

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 03/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NV).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: On XX/XX/2018 I contacted customer service at XXXX XXXX to inquire about lowering the interest rate & changing the payment due date. I wanted the due date for each month to be on the XX/XX/XXXX of each month instead of the XX/XX/XXXX of each month. They refused to cooperated with me. They closed my account because of delinquent payments, but I had complied with their request to pay back payments to get current. 
The bank DID NOT contact me by phone, email, or letter that they were doing this.

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 10-05-2015 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (PR).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Nationwide Recovery systems reported to my XXXX Report a debt for which I never received a statement or collection letter. I Paid my bill today XXXX. XXXX agreed that it should have never be sent to collections because Nationwide reported all mail returned. I paid and XXXX told me that Nationwide should take that collection out of XXXX and/or any other Credit reporting company within the next 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Mortgage (FHA mortgage) with Seterus, Inc. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: SETERUS is the WORST customer service in history of the world. In the dozen of times I have contacted them only twice have they been helpful and address my issues. Mostly they just hang up on me like the last XXXX XXXX on XX/XX/XXXX. In XX/XX/XXXX they falsely claimed I missed a payment and the information is on my credit report falsely since then. They keep lying and pushing out the action incentive that was due XX/XX/XXXX. They are clueless and go out of their way to mislead and delay addressing my concern.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/21/2017 about Debt collection (Other debt) with Professional Debt Mediation, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX/XXXX/XXXX {$3300.00} /was going to settle for {$1500.00} installments via money order. 

On date shown above, i called Professional Debt Mediation based in XXXX, Florida to try to make a settlement to take care of the balance and it was a XXXX XXXX  employee got fiesty with me because i told him instead of me paying via Debit/Credit Card or my bank account, that I was going to send a money order instead due to past hiccups on my bank.The gentleman started to be irate with me and saying i cant pay with a Money Order but theres a Law stating they cant regulate how I can pay.Then he proceeded to state that if I dont pay with other forms than it will be just sitting on my credit.So right before i got off the phone I asked him if call was recorded and he said it was so in the future theres evidence of the phone call.They did this to me back in XXXX but i wasnt aware of my rights then.They Also called my job in the past when i asked them multiple times not to and they kept doing it until they finally stopped

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 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Unfortunately, I had a financial crisis in 2016 which led to a vehicle repossession. Since that time, the finance company has continued to report that my loan is active and past due, despite the fact that they repossessed the vehicle nearly two years ago. Despite the fact that the account is closed, and no payments have been made since 2016, this finance company continues to report the account as active and past due.

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 01/25/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: I tried to deposit check into account on XX/XX/XXXX ... ATM stated hold til XX/XX/2018. Upon waiting for check to clear BOA stated they were closing my bank account without notice I inquired as to why their response was my check was fraudulent and could n't be verified bank check was issued from XXXX XXXX XXXXXXXX in which XXXX XXXX XXXX XXXX XXXX gave me the check. I was able to call to verify check thru XXXX XXXX XXXXXXXX. After back n forth calls with BOA they still have n't told me what happens to my money NIR have they stated when I was to receive me funds. I 've lost a lot of gas patience bills are backed up and I dont know what to do.

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 01/30/2017 about Credit card () with CITIBANK, N.A. (IL).
Issue: Billing disputes

Complaint: I rented a car from XXXX XX/XX/2016XXXX did not provide a working rental vehicle and refused to swap out the vehicle in an equitable manner. I have executive elite status with XXXX and complained to the manager onsite and the corporate office. To date I have not received any remedy. I filed a dispute with Citibank and they reversed the dispute stating that they needed me to return a signed copy of the dispute. However I never received a document from Citibank to sign. I want the {$120.00} charge from XXXX reversed for failure to provide a working rental vehicle and failure to honor another vehicle in its place.

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 03-09-2018 about Debt collection (Auto debt) with SYNCHRONY FINANCIAL (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I purchased a boat almost a year ago. My due date is on the XXXX, and I have made my payments every month - no exception. My last payment was made on the XX/XX/XXXX and should have satisfied the XX/XX/XXXX payment. Unfortunately, and unbeknownst to me, the billing cycle closed on that day and it was counted in the previous cycle and therefore did not satisfy the XX/XX/XXXX payment. When an associate called to advise that my payment was " late, I was taken by surprise. We had this situation in XX/XX/XXXX of last year because I made a payment on the XXXX. They advised to make payments after the XXXX. They stated that the closing date varies, but that I would be fine if I made the payment after the XXXX. This is what I have done!!! Now we have talked to three associates and they are refusing to correct the posting to the following day so that it will satisfy the XX/XX/XXXX payment. They have given no explanation as to why they wouldnt do it just that they have done it once and ABSOLUTELY will not do it again. Moving the posting date of that payment doesnt negatively impact anyone except for me Synchrony collects interest on the balance of the loan for one extra day at a higher balance. This unwillingness to repost this payment is unfair and deceptive. They know that the payment I made was intended to satisfy the XX/XX/XXXX payment, as they received the XX/XX/XXXX payment on XX/XX/XXXX.

When I asked to speak with a manager, they advised that it would take 3-5 business days to speak with a manager! I MAKE A PAYMENT EVERY MONTH - they should not be attempting to collect the XX/XX/XXXX payment when the payment they received onXX/XX/XXXX was to satisfy the XX/XX/XXXXpayment. They did not correctly inform me of the closing date, and this is their error and miscommunication. Their error could result in negative credit reporting ... this is not fair!! I have made a payment every month!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Other financial service (Debt settlement) with USA Credit Solutions, Inc (CA).
Issue: Disclosures

Complaint: Contract is misleading advising you can get a refund after your terms and also within 10 days of signing a contract. Within the 10 days you will not make a payment till 1 month later so how is that a refund? Since I signed a term contract which I had paid in full and still nothing was clear within my debt. This company also advise they keep 51 % of my money and only pay off the debt with 49 % which does not make sense at all. This company is not coming clean when i ask them questions and when they answer it does not make sense at all. 

*CUSTOMER SERVICES NOT GOOD *CONTRACT DOES NOT ADVISE WHAT THEY SAY *COMPLAINT TO THE MANAGER AND THEY HE ADVISE HE IS THE OWNER?? 
*CONTRACT IS MISLEADING *MANGER YELLS BACK AT ME WHEN I AM ADVISING THEM ABOUT THERE SERVICES AND WANTS TO KEEP MY MONEY FOR NO WORK DONE *AT THIS POINT I THINK THIS COMPANY IS A FRAUD/SCAM *CALLED THE OFFICE I SIGNED UP WITH, CAN NOT ASSIST THAT I WILL NEED TO CONTACT HEADQUARTERS * CAN NOT PROVIDE PROOF WORK WAS DONE

Company response to consumer: Closed with explanation