milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/30/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: RE : Case number : XXXX XXXX incorrectly reported me as delinquent to Experian ( EX ). EX dropped my credit rating from XXXX to XXXX. This revised rating now appears as my credit score used by XXXX XXXX ( XXXX ), my bank and with whom I have lines of credit. This is information was posted on my last XXXX statement. I contacted XXXX and they told me they used EX. I used EX 's website to review my account ( XXXX? ), noticed the erroneous report ( a repeat of a wrong filling by XXXX in 2015, which was resolved and recorded in CFPB ). I disputed the charge on line and have no response from EX. I filed the above case with CFPB and have had a response from CFPB in which I was told it was EX 's fault and I should contact them. Why is the burden being placed on the victim and not the error 's committers?

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 01/27/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: Bank of America is allowing transactions to post even when an account has a negative balance so they can collect NSF charges. A honest bank would deny the transaction ( s ) preventing customers from being charged a NSF fee. This remedy is better than me having to call and demand the fee reversal.

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 02/23/2016 about Consumer Loan (Installment loan) with Ditech Financial LLC (TX).
Issue: Managing the loan or lease

Complaint: I sent a wire on XXXX XXXX, 2015 to Green Tree Serving LLC, in the amount of {$530.00}, to payoff balance. My XXXX payment of {$150.00} was debited from the account on XXXX XXXX, 2015. I received a reimbursement dated XXXX XXXX, 2015 and I deposited the check into my saving account, on XXXX XXXX, 2015. They placed a stop payment on the check XXXX XXXX, 2015. I have been calling for almost a year to get my refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: XXXX XXXX XXXX, continues to report inaccurate repossession information on my Equifax Credit file. The FCRA prohibits companies from providing wrong information, when they know or have reason to believe the information is inaccurate. XXXX XXXX XXXX has been ignoring my disputes. The vehicle ( XXXX XXXX  XXXX ) was repoed XX/2013 in ( XXXX XXXX Florida ) but my credit file states I 'm over 180 days past due as of today. It also states I made 45 late payments which is false. After numerous disputes, the account still is reporting open. This is a violation of the FCRA, which requires that companies properly investigate disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Credit line increase/decrease

Complaint: American Express has decreased my credit line - which in essence increases the minimum monthly amount due and may possibly cause other creditors to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Mortgage (FHA mortgage) with Seterus, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I AM A SENIOR CITIZEN AND HAVE BEEN TRYING TO SELL MY HOUSE THROUGH A SHORT SALE WITH MY LENDER, XXXX BANK XX/XX/XXXX. I HAVE HAD NUMEROUS OFFERS, APPRAISALS AND COUNTER OFFERS AND STILL CAN NOT GET MY PROPERTY SOLD. THERE IS AN OFFER THAT HAS BEEN UNDER REVIEW WITH MY LENDER SINCE LAST YEAR AND A FEW DAYS AGO I RECEIVED A MOTION FROM MY LENDER 'S ATTORNEY REQUESTING THE COURT 'S ASSISTANCE IN RESTORING THE FORECLOSURE ACTION TO THE CALENDAR. THE FILE WAS SERVICE RELEASE TO XXXX LOAN SERVICING AND WHILE THE REVIEW PROCESS WAS STILL ONGOING, THE FILE WAS SERVICE RELEASED TO SETERUS. THE CURRENT OFFER TO MY KNOWLEDGE IS UNDER REVIEW WITH XXXX SETERUS. SO WHAT I DO NOT UNDERSTAND IS HOW CAN THE BANK AND THEIR ATTORNEY PROCEED WITH FORECLOSURE WITHOUT A DENIAL OF THE CURRENT OFFER? 
MY REALTOR 'S OFFICE INFORMED ME THAT XX/XX/XXXX, A REPRESENTATIVE FROM THE SETERUS CONTACTED HIS OFFICE TO INFORM HIM THAT THERE WERE DOCUMENTS MISSING BUT THE DOCUMENTS THAT THEY STATED WERE MISSING WERE EMAILED TO THE NEGOTIATOR, XX/XX/XXXX AND AS OF TODAY 'S DATE, THERE HAS BEEN NO RESPONSE FROM HER. 
I REALLY DO NOT UNDERSTAND THIS PROCESS AS THE BUYER DID NOT CHANGE THEIR MIND ON PURCHASING THE HOUSE AND HAVE BEEN PATIENTLY WAITING FOR THE BANK TO ISSUE AN APPROVAL WHICH STILL HAS NOT BE DONE. 
THE MOST TROUBLING PART OF THIS SHORT SALE PROCESS IS THAT IT HAS BEEN ONGOING FOR MORE THAN 3 YEARS WITH NO RESOLUTION INSIGHT. MY AGENT HAS ALREADY SENT A COPY OF THE SHORT SALE DOCUMENTS TO THE BANK AND THEIR ATTORNEY SO I REALLY DO NOT UNDERSTAND WHY THEY ARE TRYING TO PROCEED WITH THE FORECLOSURE.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I disputed a debt from Midland Funding in XXXX of last year and it was removed from all three credit bureaus around XXXX. It was re-reported and placed back on my bureaus approximately in XXXX or XXXX of XXXX, this time with XXXX late payments. I never agreed to make any payments. This debt is more than XXXX years old and I have a Experian credit report from XXXX/XXXX/XXXX showing the Midland funding collection to be removed on XXXX XXXX due to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: This past year I have noticed a unethical approach by Wells Fargo Bank - United States of America when posting transactions. It seems that once my account gets low in funds, all of my transactions take an average of 4-7 days to post, but when the account has plenty of money, the transaction posts same day/ next day. The manipulation and reordering of transactions done by Wells Fargo employees clearly exposes what they are doing. Their goal is to hold transactions as long as possible ( as they will disappear completely from the " pending transaction section '' ) and post them once they can ensure an overdraft fee has occurred. This has happened multiple times throughout the life cycle of my account with Wells Fargo, and I've even let the account go negative to test my theory of how they are XXXX over the American Public. An example of what I'm talking about - On Monday, my account read {$50.00}, I made 3 purchases all for {$10.00} ea. they go into " pending transaction '' - My account reads {$20.00}. On Thursday of the same week, i run into an emergency and have to commit {$25.00} to purchase something, understanding that a {$35.00} fee will be charged because of this transaction that put my account in negative. At this point, the 3 separate transactions for {$10.00} ea. disappear completely, Account reads positive, Wells Fargo posts the larger transaction ( for {$25.00} ) then the next week, tries posting the 3 transactions made earlier in the week to ensure more overdraft fees are charged to the account. Why is this company still allowed to XXXX over customers repeatedly? 
What is the point of the CFPB if it takes a citizen realizing what this shady company has been doing for probably 20 years now. Are you guys getting a kickback from Wells Fargo not to pursue them for unethical and illegal business practices? Why does my tax money go to programs like the CFPB, who don't protect American Citizens, but cost us more money??

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 09/28/2016 about Credit card () with WELLS FARGO & COMPANY (PA).
Issue: Other

Complaint: I accidentally made a payment to the wrong credit card. When I went to call Wells Fargo to cancel the payment I made in error, they told me there was absolutely no way to cancel a payment.

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 10-03-2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent several certified letters asking for validation of this debt that they say i owe. Proof of a signed contract for this debt. Instead of sending my request, i received a summons to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Payday loan () with Big Picture Loans, LLC (IN).
Issue: Charged fees or interest I didn't expect

Complaint: Charged illegal interest rate of 585 %

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I received a home mortgage modification with Chase bank 6 years ago. Original mortgage was XXXX. Chase modified my mortgage as follows first 5 years 2 % interest year 6, 3 % year 7, 4 % year 8,4.35 % for life of loan which was a 30 year mortgage. They deferred XXXX till end of note and a balloon payment in the amount of XXXX at end of note. The value of my home is around XXXX right now I guess i owe around XXXX. Are you kidding me? Obama making home affordable act!! What a joke!! XXXX now has my mortgage and I was told there was nothing they can do, as far as i can see, this is criminal. The banks got bailed out, what the XXXX is going on???? I need help getting my mortgage back to where it was.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: On XX/XX/XXXX, written correspondence was mailed to Navient Solutions , Inc. in order to establish a request to lower the monthly payment under the account in question ( see file ). The contents of this letter signify the client 's inability to proceed with the current monthly payment of {$340.00} due to financial hardship and loss of income, effective as of XX/XX/XXXX. 

Further specification requested that Navient Solutions , Inc. respond with written correspondence within 30 days of the letter 's date of receipt. However, no response has been carried out by Navient Solutions , Inc. as of XX/XX/XXXX ( Note : including all forms of communication as per a business-clientele relationship ). Failure to respond within the allotted time frame has resulted in an unresolved financial issue, officially pending as of the date of this entry and until Navient Solutions , Inc. has complied with the written correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Credit card () with DISCOVER BANK (NC).
Issue: Credit card protection / Debt protection

Complaint: Discover Finance has been calling about my credit card debt. This is Sunday, XXXX XXXX. They have called XXXX times today. They call XXXX or XXXX times everyday. I have contacted them XXXX times by mail. I have explain why I can not pay pay now and proof of what I am going threw. They will NOT work with me. Discover number is XXXX XXXX XXXX. They peatedly use the phone to annoy me. Knowing I have very poor health.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Payday loan () with High Point Asset Inc (TN).
Issue: Can't contact lender

Complaint: Someone from High Point Asset, Inc. called my work number. Although they did n't identify themselves, I was able to find the name of the " company. '' They have been harassing me over a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NY).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: On XX/XX/XXXX, I closed my Paypal Mastercard because the interest rate was too high. On my XX/XX/XXXX statement, the APR was 27.74 % ( for " Transactions on or before XX/XX/XXXX '' ) and so I assumed, because I already closed my account, the APR would remain at 27.74 % ( for " Transactions on or before XX/XX/XXXX '' ). I was not concerned about my current APR from transactions after XX/XX/XXXX because I had a XXXX balance at this point. Upon reviewing my most recent statement from XX/XX/XXXX, I noticed my APR was 28.24 % ( for " Transactions on or before XX/XX/XXXX '' ). I never received a letter or any type of correspondence regarding my APR was to be increased. Therefore, on XX/XX/XXXX at XXXX, I called Paypal Mastercard at XXXX and spoke with XXXX . I asked her about why my interest rate was so high compared to my previous statements. She replied that my interest rate is 25.24 % and that she didn't see it as 28.24 %. Then, I told her I was talking about the interest rate for " Transactions on or before XX/XX/XXXX. '' She then responded the same way - that my interest rate is 25.24 % and she didn't see 28.24 % anywhere. I told her that needs to be fixed because I felt the company was trying to deceive me. 

I have attached statements from XX/XX/XXXX to XX/XX/XXXX with " Transactions on or before XX/XX/XXXX '' highlighted in orange. Below the above phrase is " Regular purchases '' which I also highlighted in orange. I also highlighted the corresponding " APR '', " Balance Subject to Interest Rate '', and " Interest Charge '' that I am concerned about. I attached XX/XX/XXXX and XX/XX/XXXX for comparison 's sake, but the XX/XX/XXXX to XX/XX/XXXX statements are primarily my concern. 

XX/XX/XXXX and XX/XX/XXXX statements ' APRs are 27.49 %. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statements ' APRs are 27.74 %. I never received a letter stating my APR was to be increased. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statements ' APRs are 27.99 %. I never received a letter stating my APR was to be increased. XX/XX/XXXX and XX/XX/XXXX statements ' APRs are 28.24 %. Again, I never received a letter stating my APR was to be increased. 

I do understand my APR is a " variable rate '' but I had already closed my account. I also have other credit cards where the APR is a " variable rate '' but they don't fluctuate.

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 08-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Miscalculation of Loan modification Being overcharged for the last 6 years. Modification was completed thru GMAC and OCWEN now manages the loan. They were given a written notification to correct the problem. We received 2 letters from them the first one said they received our letter and would need 45 days to review the modification. after the 45 days we received another letter stating under RESPA they are afforded an additional 15 days. It has been 20 ( Business ) days and still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Performant Financial Corporation (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have disputed this debt from Diversified XXXX because I have no knowledge of this account. I have disputed this debt with the major credit bureaus and as a result, this collection was deleted from my account. I am still receiving threatening and harassing phone calls from this company on my cellular number, and they are also contacting my wife 's cell number and being very rude and menacing.

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 02-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (AK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is a bill for XXXX service that I did not receive. I called to disconnect service many times due to relocation/move. I spoke with several reps who told me service would be stopped ( XX/XX/2016 ). I believe my service was not stopped. Thus, I am disputing this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problems caused by my funds being low

Complaint: My account was suddenly stating that it was overdrawn $ -XXXX! I do n't know what is going on but I have n't used my card and I still have it in my possession

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 05-11-2017 about Debt collection (Other debt) with First Advantage LNS Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In  XXXX  I received a phone call from an unknown number that claimed to be from a debt collection agency trying to collect an unpaid debt, claiming that the last apartment complex I had lived in was trying to collect an outstanding bill.     As I was driving at the time and had no idea what this debt was about ( this being the first I had heard of this ) I asked them to email me all the information in regards to this debt.     During this call they made the threat that " unless I paid immediately my  credit score  would be ruined '' This phone call was made from the following number -  XXXX  Later that day I received the following email, that as can be seen had none of the required information on what the debt amount was, who it was from, or any information on my rights to contest the debt. There were  XXXX  attachments, however the first  XXXX   XXXX  a .tif file ) would not load ; the second one was simply their company letter head.      XXXX   XXXX   ( FADV-  XXXX  )  XXXX  XXXX  XXXX  via  XXXX  Attachments XXXX   XXXX  to me NCAC is a debt collector.This a attempt to collect a debt any information that is obtained will be used for this purpose.        XXXX   XXXX  Case Manager T.  XXXX  ext  XXXX  Fax  XXXX   XXXX  XXXX  XXXX   www.FADV.com  National Credit Audit Corporation The screening solutions business of  XXXX  has combined with  First Advantage  - Creating the Global Leader in Screening I have replied back to this email with the following : Hello  XXXX , I am sorry but could you please resend the attachments as they do not open.     Also as at this point you have not followed the Fair Debt Collection Practices Act and relevant Texas state laws I will be reporting this. Please also therefore consider this to be notice that, at this point in time, as both the law has not been followed and the required information has not been sent/received, I contest this debt in it 's entirety.     Sincerely,   XXXX   I have also since contacted the local tenants adviso ry (   XXXX ,  XXXX   County )  in regards to this claim and am now in discussion with them in an effort to sort out these charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: Despite three written requests, the unverified items listed below remains on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Experian stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Experian did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Experian also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not be verified. yet they have not.

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 03/24/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (NY).
Issue: Application, originator, mortgage broker

Complaint: One and a half years ago, I refinanced my primary residence with Quicken Loans, Inc. Since that time, I have heard a number of advertisements on the radio that Quicken " will refinance and eliminate PMI at little or no cost ''. In addition, I have also received a letter from Quicken 's President, XXXX XXXX advising that " when I closed my loan with Quicken ( 1 and 1/2 years ago ), I became eligible for a RATE DROP ADVANTAGE program at today 's low rates ''. 
However, since I began the refinance process two months ago, the various personnel at Quicken have been evasive and unresponsive : 1- I have already dealt with XXXX different representatives by supplying requested numerous documents and service requests costing over {$1300.00} so far ; 2- they refuse to discuss the letter granting a rate reduction ( maybe that will happen in another 2 years so that I will have to refinance again ) ; everytime I provide a document that has cost me, they come up with another that is " required '' ; and, we never get to the end of the process -- meanwhile, along with the monthly mortgage payment, I am still paying the PMI ; 3- their representative, XXXX XXXX, recommended a VA loan as the " way to go '' -- is this any way to treat a veteran?

Company response to consumer: Closed with explanation