milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Making/receiving payments, sending money

Complaint: On XXXX/XXXX/15, I lost my debit card and a single check. I went to the bank and filed a lost/stolen card, and set up a new bank account. I went through all the charges that were bad, and disputed them. I also advised other charges that were previously authorized, that I recognized. One of them being a payment for {$180.00}, and advised that was for one of my bills. The bank acknowledged that and also again acknowledged that on XXXX/XXXX/2015, when they followed up with me. I later find out that they reversed the payment, because they mistakenly considered apart of the dispute. This reversal caused my account with XXXX to be suspended because of non-payment. I had a payment arrangement and because the bank reversed the payment without my knowledge, I am now required to pay the full amount, and I ca n't pay that, hence the reason for the payment plan. I reached out to the bank today, I was on hold for over 40 minutes while they were " researching '' the issues, and the best they could come up with is provide me with a letter of apology to me and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (TN).
Issue: Trouble during payment process

Complaint: I mailed my XXXX payment to Specialized Loan Servicing on Friday, XX/XX/XXXX from XXXX, TN, and the payment was mailed to the lockbox address in XXXX, GA, which only takes two days max, as this is always my normal process since there is a fee to pay over the phone or online. I called the mortgagor on Friday XX/XX/XXXX because my payment hasn't cleared my checkings account only to be told that the payment hasn't arrived nor posted to my account and that it has been reported late to the credit bureaus. I attempted to dispute the credit reporting as the payment was made on XX/XX/XXXX but was told I would have to have proof it was mailed. After this conversation I made the payment over the phone, in which I incurred a fee, and forced to make the XXXX payment as this was the only payment amount it would allow. I received a statement a week later showing where the missing payment " mysteriously '' arrived and was posted to my account, only after I requested a stop payment on it and made the previously mentioned telephone payment. This sounds very suspicious that the payment would be posted after I made the previous payment. I have researched this issue and noticed that other consumers are experiencing the same issues of late payment postings with SLS ... they negatively reported my account as delinquent in error since they didn't go by the date of the check I originally issued. I believe this is unfair as I mailed the payment on XX/XX/XXXX and feel that this is the date that the payment should be honored. They haven't been helpful in my dispute of this issue and I am requesting that this negative mark on my credit be reversed as it due to a possible oversight on their part. I have utilized the same method of payment for sending in payments via mail and the payments always got posted/applied timely, so I believe there was an error on their part that caused my payment to be misapplied.

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 04/15/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX, I received an alert from American Express that they will send a new credit card to me. I called that same day to say I did not order a new card and was told that someone requested that my current card be cancelled and a new card be sent to an address that is not on my card. Amex said they would not send the card, yet the next day I received an email that said they sent a new card to XXXX. For at least XXXX hours I spoke to many supervisors and managers all over the world who would not tell me how this happened. They said that whoever called knew enough about me to be identified as me - but not one of them could tell me exactly what information that included. After many phone calls, I resorted to getting an attorney and sending a letter ( including the FTC complaint and police report ) to the address their operator in XXXX HQ told me to, American Express XXXX XXXX, CEO XXXX, XXXX XXXX Since I sent the letter on XXXX XXXX, I still have no information, or even a response or acknowledgement that they even received my letter, though I have a post office alert that it was delivered on XXXX/XXXX/2016. 
Today I spent more time trying to get someone on the phone from that department, or their legal department, and each time I thought I was being transferred to the right person, again I was sent to a different customer service area. I asked for a supervisor in the customer service area, and was sent to NOT a supervisor. I have spent an inordinate amount of time with a simple request. 
Must I pay an attorney and rely on the legal system to get these details!? This is the poorest excuse for customer service I have ever seen in my life - and from a company I had been doing business with for many years, and I have had multiple Corporate Amex cards. 
Directly after this occurred, I spent a lot of time adding a 7-year freeze on my credit bureau records, and also froze all of my credit cards, investment and bank accounts, alerted the IRS - all of the things I was supposed to do. 
I spent another hour today trying to get information from American Express, and was again told someone would call me back... not hopeful. XXXX later, no return phone call. 
I just want the information requested so that I may take steps to protect myself from this issue happening again, and hopefully expose some security deficiency in their processes so this will not happen to someone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Total Card, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have been dealing with an Ongoing Error In Payment History Reporting with XXXX XXXX listed as XXXX XXXX XXXX XXXX XXXX on my XXXX and XXXX Credit Report. I have to file a complaint and contact this company almost every month regarding their errors. On my XXXX and XXXX Credit Reports, my account is showing an erroneous 30 Day Late Payment now in XX/XX/XXXX once again as of their last update as of XX/XX/XXXX. However, there were no late payments in XX/XX/XXXX at all. Prior to the company 's last update in XX/XX/XXXX the listing was showing correct with zero late payments listed at all. The error was resubmitted when they did their last update and added a 30 Day late payment in XX/XX/XXXX. As of XX/XX/XXXX when they attempted a force update to correct the error, they changed the 30 Day late payment from XX/XX/XXXXto XX/XX/XXXX on both XXXX and XXXX. Although they keep making these errors they insist on me sending them copies of the errors that they have made to my report which I have done although they have the ability to do a soft inquiry which does not affect my credit score to look at what they are reporting. I have spoken with numerous Customer Service Representatives, Managers, and Supervisors from this company. The last Supervisor that I spoke with was XXXX XXXX on XX/XX/XXXX requested me to forward the emails that I had originally sent to the company 's main email address of XXXX to his email of XXXX. I did and he advised that he would get the issue corrected. However, as of whatever he or a company representative did I am now showing an erroneous 30 Day Late Payment in XX/XX/XXXX as of their update on XX/XX/XXXX. I attempted to contact XXXX on the telephone number that he provided and it advised that the number could n't take calls. I then emailed him again on XX/XX/XXXX and have yet to receive any response. I am tired of dealing with this issue as it is negatively impacting me, my credit score, and credit reporting as the company has a duty and obligation to report accurate information an in every instance that I make them aware they are reporting an error they have acted as if it is not a big deal. This issue was also causing me to be denied for a credit limit increase but as of last month I finally received my first credit limit increase. I have notified the company of this error multiple times via email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Whenever the issue is corrected, they make the same error all over again and take me through the same process. I am in the process of purchasing a home which makes this worse and urgently need a permanent fix to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I recently had a card go to a charge off. I had been very diligent at keeping the bill below 180 days. I called Capitol One to set up my XXXX payment and was told it was due XX/XX/XXXX which the agent set up the payment for me. Upon logging in to set up my XXXX payment, I found the account had been charged off. I called and was told that they do not post or run payments on the XX/XX/XXXX ( XXXX XXXX ) I explained that was set up by their CSR. I was put on hold while they researched my claim. The lady came back on the line to tell me I was correct in all that I had stated that it was not my fault that the debt was charged off. The error was made on their end when the CSR set up my payment on a day that is a US Holiday and not worked. I was told that they would immediately be removing the charge off along with any history of this card from my account and from my Credit report. I spoke to XXXX ( spelling? ) and her agent # XXXX. She assured me this would no longer be in my credit history. I repeated to her my understanding of what she had told me, she said correct and I had the agent then repeat herself again. She also said I would receive such correspondence in the mail, which I did. ( letter is attached ) Now 2 weeks after the first letter, I have received a second letter from Capitol One now stating that they have investigated my claim of a dispute and have found that their information is correct and the late status and charge off will remain on my credit report. 

I take issue with Capital One because : ( 1 ) The creditor failed to inform me that the payment would not be processed in a timely manner due to the holidays ; and ( 2 ) The creditor acknowledged their mistake and made an agreement by phone and in writing, to remove the charge-off and account history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX XXXX - XXXX XXXX {$790.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XX/XX/2016 please remove accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: We have been asking national credit systems for multiple years to send us verification of the charges that they are trying to collect. They always say they have the information and will mail it to us. It never comes so a few months later they call again. We have asked them to email or send the information certified mail to make sure we get it. They have told us that their company does not do that. I have disputed this account multiple times to get it off of my credit report and they will not remove it because National Credit Systems keeps reporting it as a delinquent account.

Company public response: Company disputes the facts presented in the complaint
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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: now with the security bleach of XXXX i have no trust in the the major bureau they have violated my right for year giving me higher rates putting loans that are not mine it 's time to make the giants pay for what they have done to me and my family. they have violated every consumer right act ..

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 11/27/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (IN).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage has been paid off for over month yet my escrow has not been received address XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX My money was paid promptly _ PLEASE RETURN MY ESCROW!!!!!!!!!!!!!!!!!!! 
XXXX XXXX at 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 04-11-2015 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Other fee

Complaint: Prior to complete a Balance Transfer request with Chase Bank, I inquired about negotiating the Balance Transfer Fee. I was told this was not a possibility, but that as soon as the fee posts, I could call to have it waived. When I noticed it posting, I called Customer Service and even spoke to a supervisor who told me he was trying to waive it for me, but the system was not allowing him. He even mentioned that it analysis the overall relationship and was declining his request at this time, which made me feel worse about the whole situation since I like banking with Chase. There just was a false expectation created on me at the time when I XXXX inquired about the 3 % balance transfer fee that even though the terms and conditions included it and it is a valid fee, after it posts, Chase could as a courtesy, waive it for me. And the fact that a supervisor understood this and approved my request by attempting to waive it, but the system did n't allow it, makes me feel sad, frustrated and even deceit. I was not made aware that the fee could not be reversed at the time when I could still cancel the Balance Transfer transaction, I was told it would AFTER it posts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I CAN NOT GET IN TOUCH WITH EQUIFAX. I WANT TO EMPHASIZE THAT I HAVE ONLINE VERY EASILY LIFTED THE FREEZES I HAVE WITH XXXX AND XXXX, HOWEVER, EQUIFAX PERSISTS IN TRYING TO SHAKE MONEY OUT OF PEOPLE.I HAVE A PIN, I HAVE A XXXX PIN, AND I SHOULD NOT AND WILL NOT PAY XXXX BUCKS TO THESE GOUGING XXXX AT XXXX, ALWAYS THE ONLY ONE TO CAUSE SOOOOOOOOOOOOOO MUCH PROBLEMS. 
I CAN NOT GET MY MORTGAGE REFINANCED UNTIL THESE XXXX AT EQUIFAX LIFT THE FREEZE TEMPORARILY, AND I AM SO XXXX TIRED OF THEM BEING ALWAYS THE ODD DUCK, THE ONE THAT TRIES TO SHAKE MONEY OUT OF EVERYONE. THERE IS NO WHERE TO PUT IN ONE 'S PIN WHEN YOU GO TO THE SITE. THEY JUST WANT TO WEAR PEOPLE OUT, WEAR PEOPLE OUT SO THEY JUST GIVE IN AND PAY THE XXXX BUCKS, THESE GREEDY THIEVING XXXX HERE AT EQUIFAX. 
XXXX XXXX XXXX CAN NOT PUT MY MERGED REPORT TO START THE PROCESS UNTIL THIS PILE OF XXXX COMPANY EQUIFAX LIFTS THE FREEZE. YOU TRY TO GET IN TOUCH WITH SOMEONE OR TRY TO DO THIS ONLINE IT IS A XXXX NIGHTMARE WITH THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Consumer Loan (Installment loan) with Risecredit, LLC (AL).
Issue: Problems when you are unable to pay

Complaint: I am currently in a financial hardship and I ca n't afford the bi-weekly payments. Even though they are getting paid, it is putting me in the negative and causing overdraft fees on my bank account. I asked to speak with someone about changing my payments. XXXX, the CSR, said, let me see what we can do. Then asked me what I was wanting. I asked him to change the payment from bi-weekly to monthly or to make the payment more manageable. My income has been reduced by {$570.00} a month. Therefore every two weeks I am going in the negative. XXXX said they ca n't change my payment from every two weeks to monthly. He said all they can do is extendd my payment due day up to 7 days. That just charges more interest. The end result is to not go in default of the loan and to have more manageable payments until my situation clears up. However, if they refuse to work with me, then I will have no choice but to default on the loan. I have been a customer of Rise since XXXX/XXXX/2014, I have had XXXX refi 's, and have paid a total of {$6000.00} in interest already from XXXX/XXXX/2014 to present day on a {$5000.00} installment loan. All I ask is for the company to work with me. It can be a win win situation if they allow it to be. Unexpected life events happen unfortunately and I have no control over that. Also, if I would of known at the beginning that the payments goes towards the interest first and then the principle, I would of never agreed to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a complaint on XXXX XXXX, 2016 but so far have heard nothing except it is in process. I need to include the attached to # XXXX. 
Specialized Loan Servicing denied our XXXX wire transfer payments & sent a fraudulent Notice of Foreclosure letter. They have not updated our mortgage statement all year including the last XXXX cashier 's checks paid. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( 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 08/20/2015 about Payday loan () with GVA Holdings, LLC (MA).
Issue: Charged fees or interest I didn't expect

Complaint: I had to take out a number of pay day loans to help cover exspenses ive been trying to pay but at 783 % interest it is almost impossible they wont stop calling am im at my wits end and I do n't know where to turn

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Commonwealth Financial Systems, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
1. COMMONWEALTH FINANCIAL {$580.00} 2. XXXX {$560.00} I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that creditors and credit bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated. I respectfully request to be provided proof of the alleged items specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. 
The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. 

Please delete this misleading information and supply a corrected credit profile to all credit bureaus who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. This letter is an affidavit and dispute of the incorrect information that you are reporting on my credit file. If you continue us to place incorrect information on my credit report without my consent I will be forced to take legal actions towards your company and you will be faced with charges for the damages you have caused on my life and my credit file. I have all recorded calls, emails, certified documents, and the threatening phone calls your company made. 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Debt collection (Medical) with Medical Data Systems, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Debt has not been verified, no contract or signature provided.

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