milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I recieved notices and phone calls on a debt from XXXX phone service.. The collection agency service says i owe 200 % of the original charge. diversified consultants says i had a early termination contract on my cell phone. 
I went to XXXX to get phone fixed, they closed my account and reopened my account. so they could sell me a new samsung phone.. I was n't aware this was a early termination. this was not disclosed to me. resulting in past debt collection. I dont have that phone and have no existing contract with XXXX also if settling with this agency, they stated they have no information of any credit bureau they are going to report and rectify my credit to ... So I dont trust this agency to help me resolve this. I believe radio shack is initially at fault, coupled with diversified consultants.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Bank account or service (Checking account) with FIRST NATIONAL BANK OF OMAHA (VA).
Issue: Account opening, closing, or management

Complaint: On Tuesday, XXXX2017, I opened up an online checking account with the First National Bank of Omaha ( FNBO ) after doing online research through XXXX. I truthfully and completely answered all their questions about the account I was using, which was my account with XXXX., to fund the new account with FNBO. I opened the account with an initial {$1.00} deposit, which was accepted by FNBO. On my application, I indicated that I would transfer {$2900.00} per month into my FNBO from my XXXX account. On Wednesday, XXXX XXXX, 2017, I received an email from FNBO stating that I was suspended for transferring funds into this account. This was after I transferred {$1400.00} to the FNBO account from my XXXX account. When I called to inquire as to why ( especially given the fact that there had been no issue with the {$1.00} transfer from my XXXX account to the FNBO ), I was informed that it was because of fraudulent activity, which I have never been a part of it nor had it raised as an issue with other bank and brokerage accounts I have opened online-including my XXXX and XXXX XXXX accounts, both of which are larger and more prestigious banks than FNBO. I was never given a satisfactory response as to why my account was flagged and my money held for three days, and would not be available until Monday, XXXX XXXX. FNBO 's verification processes are arbitrary, discriminatory and can not be justified. If there was any concern about fraud regarding my XXXX account, the {$1.00} deposit should have been rejected and at that point, the {$1400.00} deposit should have been as well. Instead, FNBO accepted both deposits and then proceeded to slander my character by insinuating that I had committed fraud with the transfers from my XXXX account. I am the sole signatory on all of my bank accounts and I indicated as much on my online application to FNBO. I am seeking an elimination to these arbitrary and discriminatory practices by FNBO as well as to be made whole as their hold on my deposit will cause my rent ( which is {$1400.00} ) to be late and subject me to a 20 % late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Consumer Loan (Vehicle loan) with Bridgecrest Acceptance Corporation (TX).
Issue: Problems when you are unable to pay

Complaint: Early morning XXXX/XXXX/2016 I came outside to go to work and my car was gone. I currently have a loan with Bridgecrest financial formerly XXXX. I had to wait until XXXX cst to contact their offices in Arizona I spoke to the redemptions department a gentleman named XXXX who informed me that my car was repossessed I was in shock when I have been making payments and arrangements every two weeks with an account manager and had a current documented arrangement for XXXX/XXXX/2016 He then advised me they will have to look into the issue and call me back. About an hour later I received a callback from XXXX who advised that what I said was true the call with the previous agent I made arrangements with was pulled. So the company admitted to wrongfully repossessing my car sighting it as an " system error ''. I was then advised they would pay all fees but I would have to go get my car I advised that is unacceptable and it should be brought back to me since I had no means of transportation. I was then told it could take up to XXXX10 business days to bring back my car that they wrongfully repossessed. I was upset and at the mercy of the lien holder I missed a whole day of work and had to pay XXXX dollars to take a cab an hour away to retrieve my car they wrongfully repossessed. I want to be compensated for the time I missed and money I lost because of their error.

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 02-10-2017 about Consumer Loan (Installment loan) with MNE Services, Inc (IL).
Issue: Taking out the loan or lease

Complaint: Ameriloan XXXX made me pay XXXX on a XXXX loan an overpayment

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient has continually made it difficult to understand there loan collection rules. Next to impossible to acquire accurate information. Upon calling it 's difficult to get an actual person on the phone. The online account for loaners is never up to date with current information displaying inaccurate balances, payment dates, and other loan status information. Aggressive collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have advised the company over and over again that the below accounts are reporting inaccurately- Equifax  advised  that the information came back verified to me. I asked method of verification and have yet been provided that information. I also informed Equifax that the other  2  bureaus have deleted the following accounts due to reporting inaccurately on my credit report and not showing my true credit report. i also included proof when i sent this information over to them. Equifax stated that  XXXX   XXXX  verified my name dob & address when that is infact incorrect- They have a complete different name and address/ address that i never lived at or heard of this person. Documentation was sent over to them confirming per frontier that was provided that the account was open fraudulently with my ssn!  XXXX   XXXX   XXXX  has been removed from both credit bureaus due to reporting inaccurately the balance is 100 % incorrect and has not changed for 2 years & is completely incorrect and is now reporting late when the account is not THIS NEEDS TO BE REMOVED ASAP!!   XXXX   XXXX       XXXX   were both deleted from the other credit bureaus for reporting inaccurate information as well.. the accounts were never paid late!! Due to reporting inaccurate information on my credit report EQUIFAX is completely incorrect and needs to reflect my TRUE credit report!! and complete a intensive investigation. and provide me documents that were used to verify that the creditor is providing to prove that the account is reporting correctly Equifax is not providing my TRUE credit report which is not allowing me to proceed with the buying of my home.!!   They are in violation of the FCRA!!!!       Also they have my name as  XXXX   XXXX  which is incorrect and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (Conventional fixed mortgage) with STONEGATE MORTGAGE CORPORATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I am writing to submit a complaint regarding XXXX Mortgage. XXXX acted illegally on at least XXXX occasions while handling our loan. First, XXXX transferred our mortgage to a new servicer in XX/XX/XXXX. XXXX did not provide the required XXXX advance notice of transfer and did not provide any notice of actual transfer. XXXX, XXXX took out a lender-placed insurance policy on our behalf. XXXX did not provide us ANY notice that it intended to take out lender-placed insurance, much less the XXXX letters spaced 30 days apart as required by law. We had previously provided XXXX with proof of insurance on several occasions. Moreover, XXXX deducted the annual premium of approximately {$1800.00} for the lender-placed insurance from our escrow account without notice. XXXX has given us conflicting information on whether that amount has been refunded. Apparently the refund was attempted to made during the transfer to the new loan servicer, XXXX XXXX, but neither company has been able to show that the premium was repaid to the escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have an UNKNOWN medical collection on my EQUIFAX report. XXXX and XXXX investigated PROPERLY when I disputed and Equifax did not and DELETED the account right away. The account is the only collection on my report, it is from XXXX. I expect this to be properly reinvestigated or I will have no choice but to move forward with legal action with the Illinois attorney general. 

I also sent you a letter stating my issue, with details, which arrived to you YESTERDAY. 

COLLECTION ACCOUNT NUMBER : XXXXMy name is XXXX XXXXAddress XXXX XXXX XXXX, XXXX, il, XXXXI also sent copies of my ssn card and driver 's license last week in the mail to you.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit card () with BARCLAYS BANK DELAWARE (NE).
Issue: Billing disputes

Complaint: We had our credit cards stolen and reported the charges as fraudulent. One of the charges did not get taken off. We have called numerous times to fix the issue. The investigation department confirmed the fraud but we still have a negative rating that is affecting our credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/24/2015 about Debt collection (I do not know) with CL HOLDINGS LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: RE : Jefferson Capital SystemXXXX XXXX XXXX, XXXX XXXX , XXXX. XXXX MN XXXXReference # XXXXAmount : $ XXXXJefferson Capital violated FDCPA practices by placing an account for collections on my credit reports. JCS is reporting said account as open and 120 days late. I have NEVER had an account, or any correspondence with Jefferson Capital. I was never given an opportunity to dispute said account. JCS has not validated it is mine or that they are legally entitled to collect the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2016 about Debt collection (I do not know) with Paramount Recovery Systems, L.P. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have discovered this on my credit reports. It had been removed, now its back. I demand this be deleted as Paramount has failed to validate and proof this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Mortgage (Other mortgage) with Servis One, Inc. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Current mortgage servicer took over my account mid XX/XX/XXXX. Made the XXXX XXXX payment and it was returned to me along with a letter stating they could not accept my payment because the previous servicer gave them records indicationg I had made no payments for seven months and my account was in foreclosure status. I provided documentation showing the payments were made and I was not in arrears. I have also provided documentation that my bankruptcy was discharged in XX/XX/XXXX and all payments due the mortgage company were paid by the trustee of the court. I have sent them every piece of evidence indicating payments have been made and no monthly payments were missed. Their response is that they are waiting for the previous mortgage servicer to provide them with information as to where these payments were applied. In the meantime, this whole issue hangs over my head with no resolution in sight. They have not accepted a payment from me for 5 months. I am making sure that money is kept available so I can send them what I owe them if and when the time comes. The stress is tremendous and I do n't understand why this matter is not yet resolved. I went through 5 years of a chapter XXXX bankruptcy and am trying to restore order to my financial future. These mortgage servicers are not doing enough to resolve this issue. Is there nothing that can be done to force them to get this matter straightened out. Do they have the right to just do as they please. What if I wanted to sell my house. I ca n't because of their screw ups. I need help badly as I am at my wits end.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Struggling to pay mortgage

Complaint: The company was not able to stop the sale of my home after stating they could stop the sale. They said Wells Fargo refused to mod my loan due to the fact the sale date was in side of 37 days which is require to duea mod.

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 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Always paid on time paid account in full but still saying I was late when I was n't

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 03/14/2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Credit card protection / Debt protection

Complaint: I filed a dispute with Chase XXXX re : a charge from XXXX Hello, This dispute has been going on for 3 months now and I expect this to be swiftly handled by the Chase team. I am explaining the entire dispute here AND have attached all supporting documentation. 

XXXX/XXXX/XXXX - Reservation booked through XXXX XXXX for {$950.00} ( attachment pages XXXX ) XXXX/XXXX/XXXX - XXXX changed my reservation without consulting me to XXXX ( attachement pages XXXX ) XXXX/XXXX/XXXX - I called XXXX regarding changed reservation since it was not the reservation I paid for. XXXX offered to refund the reservation instead since they could not honor the original reservation. ( attachment pages XXXX ) XXXX/XXXX/XXXX - Followed up with XXXX who said the reservation had been refunded to my original credit card. ( attachment page XXXX ) The refund email clearly shows that the amount has been refunded to card number ending in XXXX [ Chase XXXX XXXX Card ] So, in this entire ordeal, which merchant is lying to the consumer. Either XXXX or Chase is. If you would like further documentation, please contact me at XXXX XXXX. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problems caused by my funds being low

Complaint: In 2013 when i was XXXX and a XXXX I opened a bank account with Bank of America under my social security number ***********. My father gave me a check that did not clear. That balance was covered. Later I had another negative balance which my mom covered ( under {$250.00} XXXX. However Bank of America has reported me too XXXX credit bureaus ( XXXX XXXX with a specific notation of fraud. Because of this I have been unable to open another bank account and I am only XXXX. There was no fraud and Bank of America knows this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2015 about Debt collection (I do not know) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX, XXXX XXXX, 2015 at XXXX EDT, a debt collection agency called Enhanced Recovery Company ( ERC ), based out of XXXX XXXX Florida , XXXX tried to contact me with a robocall. The robocall did not address me by name and instead gave me a XXXX number to call and also gave me a XXXX-digit reference number. I did not have a pen handy and the information was given only XXXX before disconnecting. I checked my caller ID and it said " private number, '' so I had no one to call back and did nothing at the time. I received a XXXX robocall from ERC on XXXX, XXXX XXXX, 2015 at XXXX EDT, this time the XXXX appeared on my caller ID. I was told to call XXXX and given a XXXX-digit reference number. I called the number demanding to know why they 're calling me since I know I do n't owe anybody anything. They asked me if my name was the person they 're trying to collect a debt from. I said no and that I did n't know this person. They apologized and promised to remove my home land line number from their list so presumably they wo n't call me again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2015 about Mortgage (Other mortgage) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Settlement process and costs

Complaint: My parents who are both deceased left this property XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX to me XXXX XXXX XXXX and it was foreclosed on XXXX XXXX, XXXX : Foreclosure paperwork was done. On XXXX XXXX XXXX my son who is not on the mortgage. This mortgage has been sold over and over. I try to do the modification for the XXXX 6 months with no success. I hired XXXX XXXXXXXX on XXXX XXXX, XXXX to do the loan modification for me. And the modification went through the trial. Then XXXX extra month of payment, then they put me through a second trial. Hopes of getting a modification. The payment went for {$710.00} ( 3 ) month, {$810.00} ( 1 ) month, {$1000.00} ( 1 ) month, ( 3 ) month {$1000.00}. Add it up with homeowner insurance. Had me jumping through hoops to get a XXXX point and wind mitigation inspection. Still did not accept the low cost insurance I found for myself. Helping families save their homes Act of XX/XX/XXXX XXXX. When I started out I told all the attorneys I do not want to lose my parents ' home and the family house with have both been in this family for over XXXX yr. I got a phone call this weekend about the insurance I put in tell me singe some page work that was email. But when I went to the email no paperwork was there. Last month I pay no payment because the later payment was paid in XXXX XXXX. I was toll look for the final modification papers in the mail by my lawyer, as of today I have not received any paperwork. Every payment has been more than the {$940.00} you see on this monthly mortgage statement that I will send to you when you ask for documents. Since I did the first complaint PennyMac has send me the new find modification with is unreasonable because I had a 30 years fixed rate 8.450 % at {$940.00} mortgage payment total left {$120000.00}. Now it 's up to $ XXXX and a 40 years payment {$920.00} interest rate 3.875 %. a officer to reduction of {$22000.00} the anniversary of your XXXX trial period payment date for three years. If I do not want principal forgiveness, I may have other modification options. Yes I would like to know what the other options are at this time. Did not give my time to take to a Real Estate Attorney to look this over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I 'm receiving absolutely no assistance from the credit bureaus and I really need some help. I 'm specifically stating my disputes and I 'm receiving the same result each month when I am clearly pointing out where they are inaccurately reporting my accounts. HOW can they be verified when I am looking right at my credit report and getting the information from there? Please see the attached letters which clearly state where they are wrong. I need someone to help me because this is exactly why the FCRA was enacted - to protect people like me from people like them who do n't give a crap about anything and blatantly and willfully violation the law!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Due date of XXXX XXXX and XXXX XXXX, XXXX XXXXWells Fargo Card Payment was sent to address pre-printed on statement. Payment was never credited. 

Received a {$25.00} penality of a {$22.00} purchase. 

Next payment was sent to address pre-printed on statement 7 days before due date. Payment was credited 14 days after date sent. 

Received statement stating that payment was late. Charged an addtional {$36.00}. 

Contacted business by phone and asked for explanation. Was told that payment had been mailed to wrong address. We pointed out that the pre-printed address/envelope was used. Also that back of statements stated same address. Was told that the billing address had been changed in XXXX. 

Replied that our billing statement still showed the old address at the place to which payment was to be made. After much discussion, agent said that we would be credited with the late penalty charges. Waiting to confirm that this has been. 

Statements for two month had been mailed with the incorrect address. We wonder how many other people have been forced to pay fees because of mismanagement or intentional means to generate money from fees.

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