milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/30/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Deposits and withdrawals

Complaint: I 've banked at ( Regions Bank ) for almost 14 years and I have been overlooking some questionable practices until today. I call, talked to a Bank Rep to " Stop and Payment '' on two ACH 's that was being brought to my checking account a week later. Regions got the fees that same day I requested the service. I allowed enough time to stop the payments but on the following XXXX, the payments was not stopped. I call Regions and the Rep was nasty ( attitude wise ), so I requested to speak with a supervisior. The supervisor refunded my fees but the payments went through and made my account overdrawn. I was told by the supervisor that the Rep did not complete the paperwork to have payments stop. XXXX! Anyway, Regions has inconvienced me right before XXXX weekend. As soon as Im able, I will be Banking elsewhere.

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 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Good Afternoon , Re : Barclaycard    XXXX   XXXX    XXXX   XXXX , DE,  XXXX  Act # ending in  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL,  XXXX  The account information reporting on all credit reports, is incorrect. My name is  XXXX   XXXX , and my sons name is  XXXX   XXXX   XXXX . Barclaycard has been reporting this account incorrectly. I 'm  XXXX   XXXX  not  XXXX   XXXX   XXXX . I have requested they delete this account from my credit report, and for the past year, I 've had no success. They keep replying with letters, advising information is correct. I kindly ask you to please help me remove this erroneous information off my credit reports, since this has now begun to affect me.     I thank you in advance, for all your help resolving this matter.      Kind  Regards,  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 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GU).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I respectfully request the XXXX XXXX to order and approve my application for reconsideration. please see attachment for complaint submitted for references and score references. Thank you for your cooperation and understanding. Sincerely yours, 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 02/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CO).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I tried to open a chase ink card for myself. It was opened however, when I activated the card they shut it down cause they needed more information. When I sent the information in I never heard back from the department. I called multiple times and they never got back to me. I think they are trying to avoid giving me the bonus points as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (Mortgage debt) with FCI Lender Services Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: FCI Lender Services , Inc constantly threatens to foreclose on my property. XXXX XXXX XXXX owns the second deed of trust on my property and has hired FCI Lender Services , Inc. I tried to do a loan modification with XXXX XXXX XXXX but was unsuccessful because they keep moving the loan to different services. I tried unsuccessfully with the past services to do a loan modification. On XX/XX/XXXX through the US Bankruptcy Court case # XXXX, I was discharged of my debts under Chapter XXXX ( including the second deed of trust ) under section 727 of title 11 US Code ( the Bankruptcy Code ). On XX/XX/XXXX, FCI Lender Services sent me a  letter " to help you avoid foreclosure ''. To " avoid foreclosure proceedings '' I must pay {$42000.00} by XX/XX/XXXX. On  XX/XX/XXXX, I received a priority Mail Express slip from the USPS from this debt collector. This is just two examples of the many threatening letters I receive from them. At the end of the letters it states, " if you have received a bankruptcy discharge, this letter is for informational purposes only and it is not an attempt to collect a debt ''. The letters are very threatening compared to the other debt collectors XXXX XXXX XXXX has used in the past.

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 05/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a XXXX XXXX XXXX XXXX account that was opened in XX/XX/XXXX and paid in full and closed in XXXX XX/XX/XXXX. This account has always been paid on time. I viewed my Trans Union Credit Report and this account has some negative remarks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by SYNCB/CARE CREDIT XXXX XXXX XXXX XXXX, XXXX FL XXXX, on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: the credit agency Experian, XXXX and XXXX are reporting a Federal Tax Lien in XXXX County showing a balance of {$33000.00}. This Tax Lien is included in our ChapterXXXX XXXX bankruptcy and has been discharged. It is not showing in discharged in bankruptcy with a zero balance.

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 08-12-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (MD).
Issue: Fraud or scam

Complaint: XX/XX/XXXX XXXX XXXX XXXX wired XXXX to a fraudulent account set up at the Wells Fargo Bank. XXXX believed they wiring the money to a Boat supplier they had done business with for over 40 years. The owner of the Wells fargo account had sent emails to our bookkeeper over a period of months establishing themselves as a representative of XXXX XXXX XXXX and instructed us to wire this payoff amount on a new boat to fraudulent Wells fargo account. XX/XX/XXXX Wells Fargo contacts XXXX XXXX that the received a wire on intended for them to the fraudulent account. XXXX XXXX contacted us and we instructed our Bank in MD to contact Wells Fargo to request a reversal of the funds. 1st request XX/XX/XXXX XXXX 2nd request XX/XX/XXXX XXXX 3rd request XX/XX/XXXX XXXX 4th request XX/XX/XXXX XXXX. XX/XX/XXXX XXXX Wells Fargo finally acknowledges receipt of inquiry and they will respond in due course. XX/XX/XXXX Wells fargo we are unable to to comply with request and requests indemnity form from XXXX Bank XXXX Bank fills request immediately. XX/XX/XXXX XXXX Bank only receives XXXX of the funds. XX/XX/XXXX, after repeated phone calls and emails by XXXX and XXXX XXXX XXXX ( owners of XXXX XXXX XXXX ) with no response. Wells Fargo again requests indemnity form from XXXX XXXX because XXXX XXXX accepted a Wells Fargo Cashier Check in the amount of {$28000.00}. XX/XX/XXXX Wells Fargo sends letter to XXXX XXXX that funds in the amount of XXXX were recovered from XXXX XXXX account. Wells Fargo did not in anyway do their due diligence on the fraudulent account. In addition Wells Fargo let critical hours and days and weeks go by before responding or making any attempt to retrieve the funds they knew were in a completely fraudulent account. We are a small family business and these funds are crucial and meaningful to the operation of our business. Wells Fargo failed at all to respond to us and treated the stolen money in their account as meaningless to them. Contact XXXX XXXX XXXX XXXX XXXX XXXX or XXXXXXXXXXXX

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 12-07-2017 about Debt collection (I do not know) with The CBE Group, Inc. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: CBE Group just reported to my credit a week ago and I have no idea what it is for. I never got a notice and I have tried to call them at least 20 times and no matter what option I push the recording just loops back. I can not reach anyone to even try to see what this is for. This is a violation because they should send a 30 day write to dispute notice for one, they ca n't just put something on my credit because they want to. Plus my name is common and I have had multiple mixed files in the past due to that. 
They put it on your credit then you can not ever reach them. How are they even allowed to do this!

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: there were XXXX previously inquires on my Transunion credit report that were removed and in checking my credit report after a couple or weeks I notice that the inquires were restored back on my credit report. I did not receive the 5 day notice which is a FCRA violation. I would like them to be removed.

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 03/29/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I make a modest income and it 's not enough to cover my mortgage and student loans. XXXX private loan already is in charged off status. Navient continuously sent me notifications that I had options if I called them. But when i did the only option i had was to pay my bill normally.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (MD).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/2015, Rushcard scheduled system maintenance that would not allow me to access my funds or making any transactions between XXXX and XXXX. At approximately XXXX on XXXX/XXXX/2015, I was notified that the system updates were delayed but ATM transactions could be done. Since then I have not been able to access the funds in my account and have not received notification of the direct deposit I was supposed to receive today on XXXX/XXXX/2015. I have contacted customer service by phone at least 5 times. Two of those five times a representative told me that the issue would be resolved on the evening of XXXX/XXXX/2015. I have also contacted the company 's XXXX and XXXX, along with XXXX of other customers, to try to get answers. This is unfair and unacceptable, especially when I have a child to feed and bills to pay. Rushcard is seriously messing with the livelihood of its customers right now. I have gone over XXXX hours without being able to access my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Closing/Cancelling account

Complaint: I recently was approved for American Express Credit Card for my business. I received it and activated the card but when i attempted to use it, it kept declining. I contacted Amex as to what is going on and they stated it was due to my " Personal Account '' which i have never had with amex. I kept asking them to verify the information on the account and come to find out Amex has linked my twin brothers delinquent account XXXX XXXX to my account. Yes we are brothers but i 'm not responsible for his debts. I asked them how this could have happened and they could n't explain to me anything other than stating that it was my account, i told them no it 's not my account. I had asked them to confirm the address, social and my business phone number. They claimed this issue to delink the accounts is on the " vice presidents desk '' to have the accounts delinked and that would take 48 hours which was 2 weeks ago. I kept on calling to get this resolved but it has not been resolved. I just want them to delink my account from my brothers account, he is a grow XXXX year old man and is responsible for his debts and i should not have to be punished for someone else debts. I want to make sure this is not being reported to my credit and i want this fixed asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I started repayment of my XXXX student loans in XXXX. In XXXX the loans were taken over by XXXX XXXX, in XXXX by XXXX, in XXXX by XXXX, in XXXX by XXXX XXXX, in XXXX by XXXX XXXX, then in XXXX by Navient. Given that the loans totaled a little over {$24000.00} It seamed to me that the balance was not going down as fast as it should be so I called customer service. I asked for the history of my loans from start of repayment to present day. They stated they do not have access to that data and they could only give me Navient payments. I had done a little research and found that Navient was the same company as XXXX XXXX and that they changed their name with the SEC. I told customer service that they should have access to all the XXXX XXXX records as well but they stated they did not. I asked for a manager and was denied. I have just finished recreating my payment history via old check registers and I found a {$2000.00} discrepancy in my favor. I had planned on creating a letter this weekend with all my documentation to send to their legal department. I was figuring on having to build a case against them. I saw the article today on the FED 's law suit against Navient and decided this would be a helpful avenue to help me deal with them. I would like to check more than 1 box below but your site only allows 1.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Debt collection (Medical) with North Idaho Credit Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had medical at the time and just did n't have my card with me. They should have billed my insurance instead they billed me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (IL).
Issue: Making/receiving payments, sending money

Complaint: My mother, the owner of an IRA at Synchrony Bank passed away on XXXX XXXX, XXXX. As the executor of the estate of my mother, I contacted Synchrony Bank on XXXX XXXX, XXXX and informed the representative of her passing. The representative indicated that a copy of the death certificate would be required to cancel the Required Minimum Distribution ( " RMD '' ). I explained that the death certificate had not been finalized and stressed that a RMD should not legally be made to a deceased person. The representative checked with their supervisor and confirmed that they would be able to put a stop on all future RMDs without having a copy of the death certificate. 

On XXXX XXXX, XXXX, I mailed via certified mail an original death certificate, a copy of the will and a copy of my driver 's license. Synchrony Bank received this package on XXXX XXXX, XXXX pursuant to the tracking information received from the United States Post Office. 

On XXXX XXXX, XXXX, Synchrony Bank distributed an RMD in the amount of {$1100.00} into the savings account referenced above. On XXXX XXXX, XXXX, Synchrony Bank issued me a cashier 's check in the amount of {$600.00}. The check represented my beneficial portion of the balance of the savings account. This check was issued in error. It must be voided and the funds returned to the IRA account of my deceased mother. Failure to do so will cause this amount to be classified as an IRA distribution for me. This will result in a taxable event and financial harm to me as beneficiary of the IRA. 

Dealing with Synchrony Bank during this difficult time has been XXXX of the most horrible experiences of my life. The incompetence at this institution and their inability to update their system properly to avoid mishaps is staggering. Since XXXX XXXX, XXXX, I have contacted Synchrony Bank by phone 10 times to resolve several issues. I have sent in multiple documents only to be told on several occasions that they did not receive them. Synchrony Bank has refused to work with me directly to manage the creation of the inherited IRA accounts for my siblings, even though I am the executor of the estate. I have had to micro-manage their staff to ensure that they follow through on the promises they have made over the phone. 

All of this communication has taken place yet my mother 's accounts are still not resolved and errors continue to be made by Synchrony Bank. The amount of time required to resolve these issues has been unacceptable and extremely stressful. I can only assume that they have no interest in resolving matters quickly since it will mean the loss of a significant amount of money from their institution. Purposeful delay to retain account balances under the guise of incompetence is still unethical.

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 10/14/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NE).
Issue: Incorrect information on your report

Complaint: On XX/XX/XXXX I had a conference call with XXXX from XXXX XXXX XXXX and OCWEN. XXXX wanted to verify my loan with OCWEN and asked why they are no longer reporting to the credit bureaus. OCWEN said they were and it just had not updated. 

On XX/XX/XXXX I had another conference call with XXXX from XXXX XXXX XXXX and OCWEN. XXXX again wanted to verify my loan and wanted to know why OCWEN had not updated it on my credit report. 

On XX/XX/XXXX I called OCWEN again and spoke with Escalation Manager, XXXX XXXXagent ID # XXXX. I explained to XXXX that I had telephoned XXXX, XXXX and XXXX and none of them have an account from OCWEN. XXXX said she would have her Research Department look into it and follow up with me the following day. 

On XX/XX/XXXX I called OCWEN Ombudsman office and spoke with XXXX XXXX who told me to give XXXX the opportunity to call me back by XX/XX/XXXX. 

On XX/XX/XXXX I called XXXX again several times with no return phone call. I spoke with another Escalation Manager who said the research department investigated and they are reporting to the credit bureaus. I again called the credit bureaus who still did not have an account from OCWEN. 

On XX/XX/XXXX I called OCWEN 's Ombudsman 's office back and spoke with XXXX. XXXX asked me to email him a copy of credit reports to XXXX. I emailed this information immediately at XXXX hours. 

On XX/XX/XXXX I called XXXX back and he said he had just received the information and uploaded the information into their system. I asked XXXX for a timeframe when someone would review and get back to me and he said it could take up to a week. He would call when he knew something. 

It is nearly two months since my initial phone call to OCWEN about why they are no longer reporting my mortgage loan on my credit report. There has been no resolution and no sense of urgency on OCWEN 's behalf to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Credit card () with NAVY FEDERAL CREDIT UNION (DC).
Issue: Other

Complaint: I had a secured credit card with Navy Federal Credit Union ( NFCU ). I asked to close the account and use my security deposit to pay the account. NFCU did not use my security deposit to pay off the account. The account became delinquent without my knowledge. When I found out about this NFCU made me pay more money and did not remove the delinquent account from my credit file as they promised to do prior to me paying them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief