milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2018 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (FL).
Issue: Trouble during payment process

Complaint: During the Irma Hurricane, the mortgage company offered me a XXXX month forbearance without explaining clearly that after 90 days, the full amount of the three payments would be due all at once. I have been complaint with all requirements and payments scheduled and I am now in a repayment plan after being denied and no written reason ( I have been reported to the credit report for delinquency in my mortgage )

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 12-06-2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Money was not available when promised

Complaint: I have been using Western Union to send money to friends for years.All of a sudden I have been blackballed from using their services..I am not allowed to send or receive money, I asked why and was told they wanted a photo copy of the persons ID I told them a photo ID was shown at the time of my friend receiving money as well as mine being seen to send money.The transaction was still denied.I was asked for more information which I provided, my place of work, my pay stub, the reason why I was sending money, I was still denied.I never did anything to deserve this. .They have not given me any reasonable or sensible explanation.I only get its their privacy policy.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: Explanation of complaint : I graduated in 2007 and started paying my student loan. 
It was my understanding that my loan would be paid in 10 years and it has been over 10 years and I owe just a couple thousand dollars less than I started with. It states that my repayment is an income based repayment program and I am not sure how that happened. At this rate I will be dead long before it is paid off. I am sure that I have to date paid as much if not more then I owed. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had setup a payment plan in XXXX 2015 to repay back Capital One for a credit card I had. I was told that the balance was over {$1000.00}. XXXX XXXX XXXX started deducting {$35.00} a month from my bank account as agreed. The only thing that bothered me was te amount. My limit with Capital One was {$500.00} so I made a call to Capital one and they too stated the charge off amount was {$500.00}. It states it on all the credit reports as well. I stopped the deductions from my account and requested them to correct the amount to what the real amount was and not the inflated amount that they were trying to have me pay and they stated if I do n't pay the amount that they set up then they would sue me and get a judgment and I would owe XXXX times the amount. You ca n't do this you can only collect hat is owed and no more. They hae taken {$140.00} out of my account which leaves the owed balance to {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Mortgage (Other type of mortgage) with 21ST MORTGAGE CORP. (CA).
Issue: Struggling to pay mortgage

Complaint: I filed XXXX XXXX in Bankruptcy Court ( XXXX )XX/XX/XXXX, with a creditor 's meetingXX/XX/XXXX, which was not attended by XXXX XXXX XXXX or their representative. ( NOTE : Creditor 's meeting has been continued to XX/XX/XXXX ). I requested a loan modification in US Bankruptcy Court XX/XX/XXXX, and wrote a letter dated XX/XX/XXXX documenting my request as no one from XXXX XXXX appeared in court. The bank responded by providing a loss mitigation application to lower the 14 % interest rate, in their letter dated XX/XX/XXXX. I returned the application XX/XX/XXXX, via certified mail ( received XX/XX/XXXX @ XXXX in XXXX , TN ), and that same day the bank secured a Motion for Relief From Stay to be allowed to foreclose on my loan of 8 years. I believe that the bank, 21st Century Mortgage, has participated in Dual Tracking as the application for loss mitigation has not yet been reviewed, while simultaneously securing an  order to overturn the automatic stay in US Bankruptcy Court for the sole purpose to initiate and expedite foreclosure proceedings. I had also contacted the bank XX/XX/XXXX, seeking assistance in this matter. To date, I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
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 have made several disputes over tradelines from the creditor XXXX and submitted sufficient supporting documentation that the tradelines are fraudulent and must be removed immediately. Experian refuses to acknowledge that XXXX is in violation of FCRA regulations. I disputed the tradelines with XXXX and XXXX  and XXXX then reported that the tradelines are fraudulent and agreed to remove them. However, the creditor is reporting to Experian that the debt is valid and Experian is allowing XXXX to continue reporting these fraudulent tradelines. It is Experians job to ensure that fraudulent credit reporting does not impact the consumer. Therefore, Experian failed to perform their duties and is in violation of consumer protection regulations- allowing XXXX to report these tradelines as valid while knowing that XXXX and XXXX have removed all XXXX tradelines from my credit report due to fraud and other reasons stated in the dispute. I last disputed the tradelines on XX/XX/XXXX and Experian assured me that the tradelines would be removed by XX/XX/XXXX ; this is a promise that was made before. I will not allow Experian to continue reporting these tradelines as valid nor allow them to ignore the facts.

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 04-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Prince Parker & Associates (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Months after cancelling phone service I received a bill for unreturned equipment, despite being told directly from an authorized agent at the time of cancellation that I do not have any equipment that requires return. I have made 5 attempts and 5 series of calls over 3 months between the primary debtor and collections them to relay the pertinent information and to get them to communicate. Each attempt is 3-4 calls minimum over an hour at least and forcing me to take time off work, and each time I have been told directly the issue is fixed and that I do not owe anything only to receive another collections attempt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian is reporting a debt from a company XXXX XXXX XXXX and that debt has been paid in full.

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 12/14/2015 about Mortgage (FHA mortgage) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter in the mail from the bank I chose for my first home loan stating that my monthly mortgage payment would need to be increased because there would n't be a sufficient amount to cover all expenses in the escrow account. It went up almost {$200.00} a month. This is after 3 months of payments since we bought the home. Our property tax situation has n't changed so I find it concerning that this happened. Should n't all the calculations have been done by closing to give us a correct monthly figure?

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I asked investigate for wrong accounts on my report. 
Credit bureau just pretend verified without contact creditors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX Dear CFPB Representative, On XX/XX/XXXX, I discovered Creditor, XXXX ( XXXX XXXX Credit Card ), and Experian have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor and Experian re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account Experian XXXX ( XXXX Credit Card ) Item Status : Item latest removal was on XX/XX/XXXX. Latest reporting showing item re-inserted XX/XX/XXXX and after the FCRA period of expiration and with inaccurate information. 
As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 
Sincerely, 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 06/19/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (AZ).
Issue: Unauthorized transactions or other transaction problem

Complaint: In XXXX 2016 I realized that a paypal account had been opened in my name with the information of my bank account. I contacted pay pal and they advised me to contact my bank which I did. XXXX  deposited the amount of XXXX plus all transfer fees and overdrawn monies. About a month later I saw that they had reversed the deposit which again began charging me overdrawn and transfer fees. I contacted Pay Pal on XX/XX/XXXX because they had advised me that they would be sending me a check back in XX/XX/XXXX and I went online to check. It showed a XXXX balance. I asked the supervisor I talked with XXXX ID # XXXX what was going on and he advised me that the funds had been transfer out to someone else and was actually refunded to a XXXX XXXX of XXXX, AZ in two payment of {$360.00} and {$300.00} on the XX/XX/XXXX. I advised them that I did not know this person and that the money was mine, in my name with my information. After much waiting on line and talking to several people I was informed that the account was not mine and that they could do nothing. I then contacted XXXX again and was told that the reason they denied the claim was mainly because Paypal stated that the account was in fact not mine. The money came out of my account and I can give you my bank statement showing that it was from my bank account. To me the fraud was started by someone using my information to open the account and that Pay Pal did not actually verify that it was me. Also how can they send it to someone else after they told me that they could NOT send it back to me. The first pay pal deduction from my bank account was XX/XX/16 for {$4100.00}. I want to know how my money was taken out of a limited account which denied me access and then sent to someone else and why the bank refuses to honor their policy of refunding fraudulent monies to me when I can show them where it was taken out and by whom. I fill that both Paypal and XXXX are at fault in this case and wish it resolved ASAP. There should be some type of recourse that I can do to get my money back. I am a senior citizen on a fixed income and this is a great deal of money to me. XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-04-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX and XXXX XXXX are both included in Barkruptcy Chapter # XXXX. Which was Discharged on XX/XX/XXXX, Case No # XXXX Both accounts should be reported as closed, with XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: The Bank of America has grossly mishandled the POA and POD accountssssss that were set up for my terminally ill mother and continues to operate at the height of incompetence during estate proceedings. They have issued POA checks POA checks drawn from the incorrect joint tenancy accounts, they have issued checks issued checks that could not be used by merchants, they have sent POA check to the checkbooks to the wrong address. In the interim, the POA account could not be accessed not be accessed on line, nor could an ATM card be issued for it. They advised me to try to break into my mother 's on line account by guessing the passwords which I finally was able to do. When she passed away, they denied immediate access to a POD account even though a death certificate was presented and notarized on the grounds that their " policy '' preferred that joint beneficiaries present their claims as the same time, when they are clearly entitled to half a portion each. When informed I was a long term B of A customer, they " relaxed their rules '' even suggesting that I could get some more " preferential treatment. '' They advised that they were not sure when they could send my portion and advised that I should just " look for it '' in the mail. When I finally got them to call the Estate Division, they finally understood the money was immediately payable. 
My sister, upon arriving from her home in XXXX, went through the same hoops with the XXXX branch. they got me on the phone and finally after several hours conceded she should receive the money too. 
My father went to cash out and close the Joint Tenancy account he had with my mother which is now his ( with no questions ) as she had died. 
They proceeded to draft a check from the POA account which should have been frozen, claiming now that the {$5700.00}. joint account was a POA account. They finally corrected it after I spent two hours on the phone with the Estate Division.The breach of their fiduciary duty and the standard of custom, practice and ethics in the industry calls for redress. It is abominable and warrants a class action as many others have grievances as well. 
Three branches are involved. And the problems persisted and would not go away.

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 04/15/2018 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: Personal information incorrect

Complaint: I have contacted Experian 4 times trying to resolve the issues with my personal information and addresses that do NOT belong to me. Under the FAIR CREDIT REPORTING ACT, they did NOT use reasonable procedures to TOTALLY verify the information they are receiving from their clients who FURNISH the information! They are REPORTING INFORMATION THAT does NOT belong to me and REPORTING INACCURATE information.

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 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: These 6 inquiries on my equifax report was removed then reinsterted back without giving me a 5 day notice which is a violation I have reached out to Equifax several times, issue still unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed these accounts from XXXX/XXXX several times on my credit report, it just says : disputed by consumer. 1. I wasn't even in the US when these accounts were opened. 2. I don't know what this company is, I have never heard of it and I certainly never opened any accounts with them. This is completely ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Comenitybank XXXX My identity was part of The XXXX breach. I have contacted XXXX and was alerted that I have a fraud alert and I believe that I may have been impacted by this recent breach. I have several inquiries that I 'm unaware of and believe they have been placed on my account without my consent. The inquiries are going to be attached to this report. This is very disturbing and I have contacted Better Business Bureau, FTC, & I have gone down to the bank to file suit against XXXX and the companies listed on my report. I notice that these inquiries we 're reported to XXXX, XXXX, & XXXX. At this time I am very XXXX off that my information has been leaked and have been used. Now I 'm not sure what to do and do n't trust to many people. It is very stressful to know your personal information is out every where and it 's a shame that we have these issues in a country where security is suppose to be used for things like this. I want it removed within XXXX hours at the latest and I wo n't accept nothing no later.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Billing disputes

Complaint: An incorrect charge came through to my Barclay 's credit card in XXXX XXXX. After going through many different departments to try to rectify the charge Barclay 's has been unable to progress my case further. I have had several phone calls on a minimum of a monthly basis with Barclay Card. 
Most recently I had a manager call me in XXXX XXXX and she agreed this is a strange case and said she would look into it more and help me. It is now XXXX XXXX and the charge is still on my card, gathering interest. Every time I call the company or the company calls me it ends without resolve. The charged happened at a hotel and the hotel has no record of the disputed charge on their side.

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 03/20/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed XXXX several times with the credit bureaus because of the numerous inaccuracies on my reports and the inconsistencies between the XXXX, however, all of the issues still exist as XXXX is unwilling or unable to provide accurate, consistent information which is causing issues with when this item is to be correctly removed as per the law. I have included the way in which the same exact account is reported by XXXX 's to the XXXX different major credit bureaus : Company : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Loan Type : Charge Account Other Charge Account Account Number - XXXX Account Holder : Individual Individual Account Individual Date Opened : XXXX, XXXX XXXX, XXXX XXXX, XXXX Status Date : XXXX, XXXX XXXX, XXXX XXXX, XXXX Condition : Not Updated Closed Closed Last Activity : XXXX, XXXX XXXX, XXXX Not Available Balance : {$0.00} {$0.00} - Status : Charge-off Payment after charge off/collection Account legally paid in full for less than the full balance History : Late 30 Days 0 times 0 times 0 times Late 60 Days 0 times 0 times 0 times Late 90 Plus Days 15 times ( 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 0 times XXXX time ( XXXX XXXX XXXX Worst Delinquency : Bad debt/collection None Reported Collection High Balance : - {$190.00} {$190.00} Terms : - - Revolving REMARKS : Account paid for less than full balance / Paid charge off Settled -- less than full balance Account Paid In Full For Less Than The Full Balance As you can see, XXXX CB they are reporting the last activity as XXXX XXXX, XXXX it 's XXXX XXXX and the last they do n't even report a date at all. Then, in the 90 days + date late, to XXXX CB they report none, another they list XX/XX/XXXX and the other they list all the way from XXXX XXXX through XXXX XXXX. 
This account was sent to a collection agency at some point because I received a letter from them in XXXX XXXX. At the point this account was sent to XXXX XXXX XXXX , XXXX, XXXX was no longer the owner of the account, so their continued reporting of it after they 'd closed it is inaccurate. The date of XXXX, XXXX, is the month I paid this to the collection agency. 
I do not understand why XXXX continues to provide inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am trying to get a copy of my credit report so I can see what is on it every time I put my social security number in I am told that 's not the right number or that I have put the wrong birthday and year please help.

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