milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/27/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX bank, acct. # XXXX has been reporting inaccurately for over 5 years. 
For an Experian attorney, I 'm making a record here. With XXXX Experian was provided all account statements provided by XXXX XXXX records along with current law, ( FCRA, FDCPA,2009 Credit Card Act, Regulation Z TIL ) will with the following specific supported facts of my claim prove to Experian et al , that the account reporting can not be reported for one more day. 
The report is uncorrectable as the balance, status and all things reported are affected by illegal excessive fees and outright illegal fees period.I paid XXXX dollars to open a XXXX dollar credit line that could not exceed XXXX dollars.I was assessed late fees of XXXX dollars that legally could not exceed XXXX dollars.I paid an illegal internet access fee to pay the first fee payment, that is prohibited The late fees were assessed on XXXX/XXXX/11 and XXXX paid the illegal " pay-me '' internet fee on XXXX paid XXXX dollars in XXXX separate payments prior to XXXX/XXXX/11. 
Experian is reporting an account that is inaccurate for the fraudulent illegal charges of the creditor/furnisher, XXXX OF XXXX XXXX, SD. 
Now, as of this moment, Experian is KNOWINGLY and WILLFULLY reporting damaging information that is illegal for Experian to report for XXXX more day, regardless of any comment, e-oscar update, anything supplied by the furnisher.I suggest if Experian ca n't afford a lawyer they can call the CFPB AND FEDERAL RESERVE toll free at no expense and confirm what I have said.Any competent laymen employee could get this done. 
I will seek judicial redress at some point and this is a record of my attempt to mitigate my damages.

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 09/26/2016 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Other

Complaint: I had a walmart/synchrony bank credit card.. always in good standing.. never late on any payment..i recently paid the account off 2 weeks ago in full.. my credit limit had been XXXX today i received a letter stating Synchrony Bank was lowering my credit limit to XXXX because of a credit score of XXXX & derogatory collection of XXXX from a medical bill ( paid in full by my insurance company ) ... they told me they do not have an appeals process and i need to contact transunion who is currently disputing the medical collection issue.. i was told by XXXX my credit score was never XXXX and in fact is currently over XXXX ... i would like this information this bank is reporting to my credit to be corrected asap..as its really destroying a good customer and never gave them any issue in repayment.. i have closed this account down, however if it can be reopened at what my credit limit was.. i would be open for that as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with RGL Associates, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid RGL Associares {$1800.00} on XXXX XXXX, 2015 in full a one time payment. After the payment was made they informed me my credit report would be update as paid in full well I ran my credit report in XXXX 2015 and it was still up there as a negative inquiry unpaid. I called them in XXXX asking why has n't my credit report been updated they tell me they will look into it and not to dispute it to the credit bureaus, another lady calls me back and tells me they sent the information to them saying it was paid and it is the credit bureaus fault for not updating it. I asked could they resend she says no and to just dispute it and then I ask for another paid in full letter for my records because I could n't find the first one. I never got another paid in full letter luckily I had a copy in my email and it still is n't showing updated. My problem is if you are going to report to the credit bureaus the negative information please report in a timely manner when the account is paid in full if not then do n't report to them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo employee XXXX, a Market Support Consultant violated my financial privacy when she provided account history for my home equity account to a third party and testified to the fact in open court without receiving consent from the account holder or acting on behalf of court subpoena. This occurrence took place XXXX XXXX, 2013 in the XXXX, Maryland. Room 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 04/21/2017 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (NC).
Issue: Deposits and withdrawals

Complaint: Navy Federal has decided to practice extremely unfair mobile deposit practices. Their terms and condition state that you have to receive a approval email before XXXX otherwise it will not get processed that day. Although their customer service team clearly tells you that you can make a deposit at XXXX and it will be processed that day. Their is an approximate. 2-6 minute delay in their approval and you receiving the email. And their customer service also informed me that the approval time can take anywhere 20 minutes to 2 hours depending on how busy the bank is. By the impression your customer service gives it is clear that there is some give time in the processing time if you can submit a deposit at the very last second. This is not true. If you do not receive your approve before XXXX you will have to wait 24-48 business hours to get your check approved. No matter what time you submitted your deposit. All this is of course based of the bank time table and their app clock which you as a customer have no way of verify is correct nor do you get any sort of warning prior to depositing that it is close to their cut off time since this is a national bank that runs of EST but if you are n't in EST obviously XXXX EST would be a different time for you. So when I called and was informed their would be a two day hold on my check till tuesday I was upset and all I was told was the term and conditions were clear. Which they clearly are not since their own customer service team either 1 ) does not understand them or 2 ) is intentionally giving customers wrong information so that they will use their overdraft protection and the bank can charge a fee. Either way this huge disconnect in process time is an issue that is not clearly explained to customers and requires a lot of explanation. I have received multiple answers on the timeline of my claim. My check was approved sometime between XXXX EST and XXXXXXXX XXXX EST. No clear answer to that. The app says XXXX approved. One representatives said XXXX another said XXXX but the email was not sent till XXXX. the timeline process is horrendous and seems to benefit Navy Federal how they please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Trouble during payment process

Complaint: For Calendar year XX/XX/XXXX, Wells Fargo issued me a XXXX in the amount of XXXX, while at the same time the above noted amount was never forgiven or removed from my mortgage principal balance. I have requested for Wells Fargo to explain and provide documentation for their actions. It has been approximately a year now and Wells Fargo has failed to give me or produce any documentation legally justifying their actions. It appears Wells Fargo is double dipping. Getting tax benefits by producing fraudulent documentation mortgage loan was given while at the same time, charging me the consumer the full principal amount of the loan. 

If there are any questio

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 05-11-2016 about Debt collection (I do not know) with Perfection Collection (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: after receiving a voicemail from someone whom identified themselves only as " XXXX?, a carrier for the area '', implying she had legal paperwork to be issued to me the following day at my home and place of employment, requiring identification and a witness, i immediately called back and got to " XXXX ''. I denied owing any monies to them, their employer, or the original creditor and requested validation. This was immediately met with a defensive attitude, i gave them my address, where they sent their first piece of correspondence to me, this letter ( which i am submitting as proof ) contained no validation of the debt. nor did it tell me my rights of disputing it. regardless, i disputed it by certified mail ( the letter is also being submitted ). this company is refusing to respond or delete this from my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We tried to create an online account following AMCOL 's instructions, but could not so we can not track any payments.
AMCOL assigned two different account numbers to the same bill of {$150.00} and sent statements for collections.
We have sent them copies of the bills, screenshots of the AMCOL site error message and a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Trans union credit reporting agency i disputed bankruptcy thats reporting on my credit but this company cant provide me with accurate information showing it my case. I receive information from the court stating that they dont report to the credit bureau. so how can they report information on a file with out proper documents per Fair Credit Reporting Act section 609 the bureau provide me with accurate information it must be remove

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have done my due diligence in regards to four accounts. I have contacted the companies that these are unverified and no contract accounts since XX/XX/XXXX. By calling and disputing over the phone. Also mailing four rounds of certified 609 dispute letters sent. Last sent certified XX/XX/XXXX. These are the accounts : XXXX XXXX XXXX  {$300.00}, XXXX XXXX {$400.00}, XXXX XXXX XXXX XXXX   {$310.00} and XXXX XXXX {$300.00}. This has been ongoing since XX/XX/XXXX and now XX/XX/XXXX. It is time to get a resolve of closure. 

These accounts are reporting closed Collection accounts but currently open and over credit limit by {$1.00}. derogatory remarks, late payments and charge offs/Bad Debt. All of this is negative reporting. 

I have been fighting these accounts and hard inquiries since XX/XX/XXXX. These are preventing me from home ownership my lender continues to tells me. They need to be removed off of my reports it is causing adverse direct affect to my credit scores. 

There were also certified Hard Inquiry Letters with company name and date of inquires listed sent to each bureau XXXX, XXXX  and XXXX  in XX/XX/XXXX too. 

I filed online complaint with Consumer Financial Protection Bureau in XX/XX/XXXX in regards to these four accounts. First I find it unacceptable from Equifax that my address provided is not reporting in my credit file. Since XX/XX/XXXX through XX/XX/XXXX I had received several correspondence in regards to updated personal information, inquiries and new accounts. Even updated reports through that time period to the address I provided. Nothing had changed. As a bureau just not dealing with the delete and removal of these accounts. 

I requested from each bureau to provide name of investigator of my file which is a Federal right and to provide signed contracts to verify accounts as mine. You ignored this request as well which is evidence of your willful disregard of the Law. By sending email or whatever form of verification to CFPB on your part of said investigation is in violation. Also continuously telling me to contact the companies is shifting the burden and in violation of 15 U.S. Code 1681 ( a ) ( 4 ). The dates in May of initial complaint shows there wasn't a 30 investigation done.

I am a consumer and intend to pursue litigation in this matter.to enforce my rights under FRCA. 

I demand that you delete all of the accounts listed and hard inquiries in certified letters immediately. I want an updated and corrected credit report showing that these items have been deleted and removed. This is my complaint and demand.

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 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My husband and I are in the process of refinancing our home, we wanted to take advantage of the lower fixed rates before they rose. Much to our surprise our credit scores, the one indicator that is supposed to help us to secure the best rate in the market failed us. We have NEVER been late, we have NEVER had a BK, we have NEVER had a charge off, yet our middle lowest score is what the banks use to determine our RATE at the bank and it was a  XXXX , my low was a  XXXX  from  XXXX  and I am totally embarrassed by this. My sister who has a Charge off, a repossession and many late payments has the same score as I do. Then I did some looking and the credit reporting agencies have changed their model which primarily takes credit utilization as their primary source of scoring in their model, however it is missing one vital component to ensure that it is a fair assessment and that is my income, it only has  one  piece of the pie, then they have added a " potential of bankruptcy '' indicator, how is this possible, I would dispute its accuracy. This is straight up unfair and deceptive practices. I am now forced to refinance my house at 5 %, when my REAL credit, 24 years of never late, no charge offs, no delinquencies,  ( 3  ) mortgages over $  XXXX  paid in full, never late, no bankruptcies and I am a  XXXX  for the purpose of the rate I deserve. No matter what you say to the banks, look at my history, there is nothing that justifies the rate you are quoting me, and their response is that they have to go by the score, regardless of your history to protect themselves from regulatory scrutiny.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Student loan (Non-federal student loan) with DISCOVER BANK (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Back in  XXXX  of this year i received a letter in the mail from discover student loans stating that no repayment is required until  XXXX  and  XXXX  in   XXXX  . So i assume that everything on their was okay and that i would not have to worry about making any payments. About a week later in the same month i received a phone call from a representative at discover student loans asking me for a payment. I told them that i received a letter from their office that i do not have to make a payment until   XXXX  . I requested to speak to a manger about this matter. I then explain the manager the same situation, he then had me on hold for about  twenty  minutes so that he can find a copy of the letter that was sent to me, after th e manager   XXXX  came back to the line he informed me that he could not find a copy of that letter being sent to my home. At that point i felt like something fraudulent was going on because i find very hard to believe that he could not find a copy of that particular letter that was sent to my house. They are responsible for keeping record of all correspondence and letters being sent to me. Moving forward after that happen i been receiving harassing phone calls from them about a payment and i keep telling them about the letter. I even sent in a copy of that letter to them and they keep telling that they do not have it. I am tired of getting all day everyday about this issue. They are also threatening my co-signer of the loan as well. And the co-signer of the loan told them that she had know idea that being a co-signer for loan would make her legally financially responsible. They had informed her about a form to fill out that would basically file for fraud that i stole her identity to co-sign a loan for me when i did not do that at all. The co-signer is my grandmother  XXXX   XXXX , would could wrongfully implicate me because i did not steal my grandmothers identity to co-sign a loan, she had gave me her information with her consent and to consent to co-sign the student loan. I am tired of the harassment everyday by loan people that calls me everyday. They lied to me about not receiving the letter that stated to me that i did not have to make a payment until   XXXX  . I want the harassment to stop and they need honor according to the letter that they gave me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a loan modification from Freedom Mortgage since XX/XX/XXXX and have been getting conflicting information and they constantly ask for the same documents. They did deny the modification and I appealed on XX/XX/XXXX but I have not received any written communication on the status of the appeal. They are still however asking me for the same documents. My spouse is not a co-borrower but they told me they need his financial information and then they told me I did not need to and now again they want the 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 explanation
Consumer complaint received 01-08-2018 about Debt collection (Private student loan debt) with Allied Interstate LLC (VA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: The company uses an automated dialer so most of the time when I answer the call I get nothing but disconnected. They do not leave a message when they call. When I finally connect with someone they are asking for someone I do not know and I tell them that but they keep asking questions about how to reach the person, and are very persistent, annoying and harrassing. 

Also, outlaw auto dialers. ALL persons and companies using autodialers are harrassing people

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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX I applied for a loan to refinance my home. Upon completing the application I received a copy of my credit reports and on two of the three reports it said there were accounts that are seriously delinquent. They do not say what account could be delinquent but there should be none, I also use XXXX XXXX since it shows what accounts affect my score and it also shows none as delinquent.

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 05-06-2016 about Consumer Loan (Vehicle loan) with Coastal Credit, LLC (SC).
Issue: Problems when you are unable to pay

Complaint: Today, XXXX XXXX, 2016 my auto loan company Coastal Credit LLC called my sister company stating that she have been calling for weeks and no one is answering the phone which lead to my co -worker calling asking me about what 's going on .Coastal Credit account representative XXXX XXXX also called my landlord stating she was calling about a personal business matter. At the time of purchase I gave them my work number to the specific office to where I was employed and not that of my sister company. I have ask several times for them to just leave a name and a phone number and I will respond. I have also filed an earlier complaint and I am asking for this complaint to be in conjunction with the one filed in an earlier date.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Mortgage (FHA mortgage) with LoanCare, LLC (CA).
Issue: Trouble during payment process

Complaint: I contacted LoanCare approxXX/XX/XXXXfor the exact amount I would need to pay and the process for paying down my loan to remove PMI. 
I sent in {$19000.00} ( slightly more than needed ) and it was appliedXX/XX/XXXX ( confirmed online ). I mailed in a written request to remove the PMI the same day and emailed a written request and called in several times since. I have request call back and email for call backs and no help! Now I have paid PMI for the month of XX/XX/XXXX& XXXX and see no sign of the PMI being canceled or anyone helping!!!

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 03/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls at different times in th emorning, from XXXX XXXX to XXXX. Trying to collect a debt that is ten years old. Saying it is a business call and to plese hold in the line. Refusing to say from where they 're calling when i first talk to them. Refusing to stop calling after i have made clear i do not wish to be called anymore. i have paid off one account with this company and they refuse to report it to the credit bureaus

Company response to consumer: Closed with non-monetary relief