milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Regions bank located at XXXX XXXX XXXX XXXX XXXX florida closed my account unjustly, the account was deposited 2 checks and i made the account good again with 2 deposits of XXXX, regions swiped XXXX plus XXXX and run me all over town and lied to me numerous times to retrieve XXXX dollar balance and closed the account without notice, after i was liet to numerous times and went all over town playing the run-around-game, when i asked XXXX XXXX for the original contract back as its my property when the account is closed, she said she lost it, and i asked also for the two bad checks back she lost them also, ok folks well youre being investigated now, and all ATM transactions, debit card purchases and the nice blue ink signatures of mine that you sold will all be found very soon now and there will be TROUBLE, you people think youre so slick dont ya, you not allowed to sell my signature without my consent, and youre not allowed to collect all the interest on the securities either, because it is due to me with a 3 year period i can claim the interest you XXXX ME OUT OF, plus all the charges of fraud and theft coming your way,

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 07/22/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax continues to delete accounts from XXXX XXXX XXXX just to re-insert them into my credit file. They do this at least once a month. I have disputed the information over and over about this issue but they refuse to gix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Problems when you are unable to pay

Complaint: I have told Ally Financial to stop calling me at least twice in writing, which there website automatically sends me a copy of from them. They continue to call over and over and now are calling my relatives. I just want them to stop harrassing me.

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 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Got an email from XXXX XXXX with XXXX rewards, saying " my application has been received ''. The inquiry showed up on my XXXX XXXX as a hard inquiry from XX/XX/XXXX.I did not apply for this credit card. I contacted Barclays bank today XX/XX/XXXX spoke to XXXX. she check their database with my social and name, said it was the only way to check. said there was no application. Told me to contact the credit bureau that it was the only way to resolve the issue. XXXX XXXX says I can use you to try to resolve. I have worked very hard on my credit, and I am concerned that my personal information is out there somewhere. Please help me clear this up.

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 02-04-2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold from LoanCare to XXXX over a year ago now, my payment for XXXX 2015 was sent to LoanCare, but was never forwarded or returned to me. I have called both XXXX and LoanCare for resolution and they continually give me the run around, I have multiple tickets in with LoanCare regarding my payment and have been told the issue is closed and resolved every time I call to check. They have yet to actually resolve the issue and I have called multiple times and sent them documents multiple times without resolution to the issue. On the flip side, XXXX is charging me late fees monthly for a missing payment that I technically never missed, I originally called them when the issue first came up and they told me they would take care of it, I called them multiple times over the ensuing months and they kept saying they were taking care of it only to find out later from an employee at XXXX that the truth is they would never do anything about it. Essentially LoanCare and/or XXXX is holding my payment and is not applying it to my mortgage and neither is calling me regarding my complaints filed with them, every time I call either my complaints are closed without contacting me or giving me any resolution or without fixing my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: A few months ago I filed a complaint on XXXX because they were reporting an old card that was lost or stolen inaccurately. XXXX was reporting late payments on my credit every month for three years. You all helped me and XXXX corrected the error. Now out of nowhere, XXXX just report a 30 day late payment on my credit for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Here we go again with the same problem. I have had no interaction with XXXX since they corrected the error on my credit file. Now they are at it again. DEFAMING MY CHARACTER AND REPORTING ERRONEOUS INFORMATION ON MY CREDIT PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Credit card () with AMERICAN EXPRESS COMPANY (DC).
Issue: Other fee

Complaint: Because of an error on American Express ' end, I occurred a fees totaling a XXXX dollars on a banking account I was in the process of occurring. On XXXX XXXX, I spoke with XXXX XXXX who was the first person who promised to refund the fees as soon as soon as I provided documentation. Because of the hassle I had already been through, I too recorded the phone conversation and would be happy to provide that. Once I provided documentation, I never heard from anyone. After calling in and being passed around, I spoke with a supervisor named XXXX XXXX. He told I could " consider it done '' and he would contact me again within 24-48 hours. That too never happened. I called tonight, was once again passed around to various departments, and was told that XXXX XXXX was not in the office and they were n't sure why he had n't contact me but they were unable to do anything. The supervisor I spoke with tonight said he should be contacting me tomorrow. I told them I was filing a complaint tonight as this issue has gone on for too long. I 've literally spent 4+ hours being passed around with no results.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Interstate LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX I transferred responsibility of my XXXX account out of my name and paid all monthly / cancellation charges that were accrued as follows. 
On XXXX XXXX I paid sprint in the amount of XXXX and my total due balance at the moment was XXXX for the next payment due to phone cancelation. On XXXX XXXX I paid a total of {$320.00} in cash at a XXXX store to bring my balance to {$0.00}. At this point the account was closed and I have no longer done business with or used sprint services. 

After all this I received a letter postmarked XXXX XXXX, 2015 stating i was in collections for the amount of {$73.00} with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2016 about Mortgage (Conventional fixed mortgage) with Midwest Loan Services, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX people just called me from XXXX. In talking with them I asked if they were recording the conversation ; they said they were. I told them that they had not informed me about that. They seem to think that when they initiate the call they are somehow not responsible to tell the consumer they are recording it. It appears they may have done this at least once back in XXXX, as this person just told me. This all relates to my previous complaint against them : 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 01/20/2017 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have a Mortgage Loan serviced by " Selene Finance ''. I tried for about XXXX Years to get a HAMP Loan Modification. The Loan changed hands of Servicers but my application was declined multiple times. 
I was so frustrated with the process that finally I applied for a Short Sale in XXXX XXXX. This process went on for over a year .In fact the Buyer Offered more than a full offer but they declined the Offer. The Loan outstanding is about $ XXXX. The Buyer progressively increased the offer and his final ALL CASH Offer was $ XXXX. But demanding $ XXXX, Selene Finance declined the Offer, strangely Now, they have scheduled an Auction of my Property on XXXX XXXX, XXXX. I am left with no option but to re-instate the Loan or lose my house in Auction. I got their re-instatement quote of {$220000.00}, only yesterday, although I have been following up through my XXXX XXXX for about a month now. 
I am working very hard to arrange this sum. As it is a very large sum of money, I request your good selves to arrange to postpone the Auction by 1 more month, so that I can arrange this money.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion deleted XXXX Mortgage account # XXXX and XXXX account # XXXX then placed them back on 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
Consumer complaint received 08-11-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I both have made several calls to Wells Fargo trying to get this matter resolved in a respectful manner, especially considering that they 're at fault. It was brought to our attention from our mortgage broker that Wells Fargo incorrectly reported information that has severely impacted our credit score. Not once in the past 8 years of owning this home have we been late nor missed a payment, as our record will prove. It was during the mortgage process that it was brought to our attention that Wells Fargo reported a 30 day late on our credit report back in XXXX. We were speechless and immediately tried to understand how and what happened. For eight years, we 've never had a problem. After numerous dead ends and roadblocks, our issue was escalated to their executive customer service department. This is where our communications with the supervisor, ( I 'll leave unnamed ) began. Upon further research, they were able to identify the issue. This mortgage is for a vacation home that we have. Our statements have always been mailed to our primary address. During this time, we moved and we updated our new mailing address on the back of a statement. This is typical procedure for updating your records. As it turns out, someone at Wells Fargo incorrectly inputted the address change and that is what caused all of this. We never received our statements as a result of this clerical error on the part of Wells Fargo. They were off by one number updating our new address. The supervisor then stated that she would escalate the case. She called us at the XX/XX/XXXX to tell us that they were still evaluating the case but to this day we have yet to hear back from her or anyone else. I 'm now unable to get a hold of her when I call. We are now unable to refinance our home due to their mistake which they acknowledged and admitted to. Wells Fargo is now the only negative we have on our reports in the last 20 years. I have proof of my statements with one being the incorrect address and after they corrected their mistake, one with the correct address. Any help would be beyond greatly appreciated as this has really had quite an impact on our lives. Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Struggling to pay mortgage

Complaint: I missed two payments Sent them in to get caught up, received a letter stating that the loan company -Chase bank, informed via a letter that they had miscalculated my loan and that I needed to pay {$3600.00} I called the contact and was told that they found this error and that I needed to pay XXXX I informed them that I had been garnished for the previous 11 months paying {$930.00} for 10 months. They did n't care and suggested I make two paymnents of {$1800.00}, I advised them that if I could n't paid XXXX I would n't be able to pay XXXX either. I asked if I could add it to the loan they said no. Previously I had been on a loan modification, and except for those two missed payments I had been consistent. A month later I received a letter from a law firm stating that they were representing chase in recouping the XXXX. I then applied for keep your home California -they stated I made too much money for assistance, I responded with I did n't want them to make my payments to see if there was some sort of debt forgiveness. My loan has now been referred to a debt collection XXXX is their name. The original amount has now ballooned to XXXX. I do n't understand how a nationwide leader in the banking industry can shake people down when THE BANK made the mistake. My understanding is that chase is currently involved in numerous case courts due to these unwholesome and greedy actions that Chase had taken. Any help, direction or sources would be deeply appreciated. Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received call from debt collector stating that an attempt to collect a debt. I politely required an invoice to be mailed to my house with instructions on how to pay. She declined and stated that the acts they get people do n't even know they have them and that she had no further details to offer me. I have not stayed at that apartment she stated in over 5 yrs and that I had no problem paying the money if I truly owed them by providing proof of what the debt was for? She stated I was " staling ''. Which if the representative stated that most debt they have people do n't even know they have it, how can people pay something they do n't even know that they 're suppose to pay?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (I do not know) with National Account Services, Inc. (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: long time ago I have opened bank acc in XXXX bank, this is not my transaction or order, somebody use my card info for take money from my acc after I do closed this acc with no more use and my interest, now I see this collection in my cred report - I make dispute, but bank no responde me nothing,XXXX bank no ha have good service for customers! I want pay this collection, against this is not my transaction

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased a property approximately 16 years ago. Alien that existed prior to my purchase exist up to today. I have tried getting help with this issue and no one returns my calls or responds to my documents.

Company response to consumer: Closed
Consumer complaint received 06/27/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Credit decision / Underwriting

Complaint: Wells Fargo has a ***derogatory remark on my Credit Report***. I went through a bankruptcy that was discharged in 2014. MY HOUSE was NOT included in the bankruptcy! I have not missed a mortgage payment in 11 + years since I bought the house. This is stopping me from applying for a re-finance or another house purchase since I am looking to downsize. That remark needs to come off from Wells Fargo!!! Help me please ... .Thank you, XXXX XXXX XXXX ************None of those options below apply to me, not sure what to check off*****

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 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: An account by XXXX XXXX XXXX is showing on my credit report. I never authorized or entered into any contract with this company. The company has failed to verify or show proof of any contract.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have filed a total of XXXX disputes with this credit reporting agency. The XXXX other credit reporting agencies HAVE corrected or removed errors. The third ignores my disputes as well as proof I have sent them of their errors on my credit report!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2016 about Credit card () with PAYPAL HOLDINGS INC. (IL).
Issue: Unsolicited issuance of credit card

Complaint: XXXX PayPal ran an unauthorized hard credit check in XXXX 2015. It was listed on my credit report. I never gave consent or inquired about a credit line/credit card with PayPal. This is now on my credit report for 2 years and affects credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Using a debit or ATM card

Complaint: I made a purchase with my debit card and the retailer processed it but claimed it never collected, so I was instructed to cancel my order and re-order. I did so and my money was not refunded. I disputed the transaction with SunTrust and provided all the documentation from the retailer showing the transaction, the cancellation, and the details of the amount ( {$720.00} ). This dispute was placed on XX/XX/XXXX and every time I inquire about the status, I get a canned response that they are " still looking into it. '' It 's been almost 3 months, I 'm a single working mother and need that money back. Suntrust has refused to provide any details about their " Investigation ''. XXXX XXXX, the retailer, has offered to do a conference call with Suntrust, but I was told that is " not procedure ''. Not only should the " investigation '' have been completely black and white, I should be provided with specific and factual updates as to their " investigation. ''

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 07/13/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company is reporting an incorrect status on my credit report. This account was obtained by Portfolio Recovery Associates XX/XX/XXXX and has since been reporting as an open and revolving account, even though it is a collection account. This company is updating my as a charge off on credit report every month making it appear that I am getting a new charge off/ late status on my credit report every month. After paying the company my debt owed in XX/XX/XXXX the company again updated the account as a closed charge off, and left a years worth of late payments on my credit file. I have tried to ommunicate this error with the company directly multiple times, and the company only ever says they are reporting correctly, and that is is the credit bureaus faul, which is incorrect. A collections company should not be reporting a charge off status as they were not the ones who extended the credit to begin with, and they should ot be reporting as a revolving account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due    XXXX  /2016  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/13/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated phone call in the span  of 3 wee ks. First call was made on  XXXX   XXXX  followed by the days of  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX  and  XXXX . I explained the situation and mention that I would call when I 'm financially ready to make payments. But the representative was very rude and stated that they will call me every 3 days. I told him I do not need to be called every 3 days. I am aware of the bill. They constantly call me and are very rude.

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