milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: Wells Fargo, XXXX, XXXX and XXXX have a disconnect that results in a severe bias in all XXXX of my credit histories. The bureaus show no record of an existing WF Home Equity Line of Credit on my home. There is therefore no record of my timely payments. 
The lack of this record of timely payment of mortgage debt obligation severely depresses by credit score and unfairly interferes with my ability to refinance my home by creating a higher interest rate. 
I filed for CH XXXX bankruptcy in XX/XX/XXXX. During the bankruptcy period, the reporting of this debt stopped. This I believe is in accordance with federal law. No problem. 
I completed this bankruptcy early .... discharged XXXX The reporting of this debt should have resumed at that time ; the recording of that debt should have also resumed at that time. 
I have attempted XXXX times to have Wells Fargo begin reporting the last 12 to 24 months of payments on this account with the original loan creation date, about 10 years ago. It still does not show on any credit report. 
I have attempted twice, direct to each of the bureaus, to have this matter corrected. I received varied responses but ... ... .the mortgage and history do not show on any credit report. 
First my credit ratings are penalized for having filed CH XXXX ... ... that is a public record derogatory that depresses my credit rating. Understandable and fair. 
But to deny me the benefit of my timely HELOC payments since my bankruptcy is unacceptable! 
Wells Fargo states they can not report my account since " it was discharged in bankruptcy ''. The payment to WF through the bankruptcy trustee was terminated when the bankruptcy was discharged. The loan was not discharged in bankruptcy. Proof : I still receive and pay a monthly invoice for this account that goes unreported. 
If a collusive practice among banks to also not report post-bankruptcy mortgages, this ( if not ) should be illegal. I make this statement as I 've had similar problem with XXXX. ] I simply want my credit histories corrected.

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 10/22/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: We have been trying to refinance a XXXX loan with the Servicer SETERUS for over one year. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. They finally sent the refinance after one and one half years at almost 6 Percent. However, they continue to change the monthly payments, are es crowing Money for taxes that do not have to be paid, and Overcharging for forced placed Insurance when we had in place insurance ( Military XXXX Vet, he is except form Taxes. XXXX has spent hours with XXXX at XXXX and she has been helpful, but is limited on her assistance. 

Thank you XXXX XXXX POA for my brother XXXX XXXX XXXXXXXXXXXX XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: I purchased my new Truck in XXXX 2016. The dealer said I could n't pay cash and I had to finance it for at least 3 payments. When I got my first statement from Chrysler Capital the principal was {$29000.00} and payoff was $ XXXX.I sent a cashiers check on XXXX XXXX, 2016 for the {$30000.00}. They sent me another " bill '' for {$97.00} for more interest. On XXXX XXXX, 2016 I sent another check for {$97.00}. Now they said they did n't receive it. I sent it certified mail and the tracking mail showed it was delivered XXXX XXXX, 2016 at XXXX and checking with my bank for a copy of the check showed it was deposited XXXX XXXX, 2016. They are still sending me a bill for the {$97.00} plus {$2.00} interest. Meanwhile ( XXXX XXXX I assume / Chrysler Capital sent me a prepaid debit card for {$97.00} for over payment for my loan. I 've called at least 4 times and get a different answer each time and I still have n't received the Pink Slip title. I think from XXXX, 2016 to XXXX, XXXX, 2016 is plenty of time for them to get things settled. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: On XX/XX/2017, I reached out to PayPal to obtain account statements for the account I had with them that I have since closed. They informed me that there is no way to access any of my previous statements or account activity because the account is closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2016 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Billing disputes

Complaint: Synchrony bank card ( carecredit ) website is chronically unavailable. Usually it takes several tries to get logged in to pay bill, but today, I was continually rerouted to different screen. 
After 35 minutes of attempting unsuccessfully to log in, I called Synchrony, to make credit card payment over phone, giving operator the amount I wished to pay and debit card information. I told her that the online login, as typical, was down. She informed me that the website was fine - that there was no problem with website. 
As we talked, I checked my checking account, which stated that she had taken out a different amount than requested ( I gave her correct amount twice ). She then blamed me for her putting in the wrong amount because, when I called, I was " upset '' about the website and she was distracted because she was trying to " calm me down. '' She informed me that she would void the payment and put in the requested amount. However, I told her since the incorrect amount had already been removed from my checking account, I would wait until the voided payment was credited to make the corrected payment ( typically several days ). I told her this explicitly and my reason for not putting the correct amount through today. 
Directly contradicting my request, she went ahead and processed the correct amount so my checking account is now shows a double charge. Given the context of the conversation, I believe that the first debit she made was a genuine mistake but that she put the second XXXX through deliberately. It is true that I was very upset by the time I called Carecredit ( not profane, not personal, not threatening, but upset ) but I do not believe this justifies taking money out of my checking account without my permission. 
I am making this complaint ( 1 ) because the creditcare website is chronically malfunctioning ( 2 ) customers calling in payments after fiddling with website for 35 minutes should not be told to " calm down '' and that the website is fine ( supervisor later acknowledged that login on care credit is spotty XXXX users ) ( 3 ) the operator made a second charge to my debit card despite my direction NOT to make a second charge.

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 10-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (AZ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I sold a XXXX solar system to a client for {$32000.00} paid in two separate installments of {$17000.00} and {$15000.00} using XXXX as the purchase intermediary and payment processor. Prior to delivery of the equipment and completely unbeknownst to me ; the buyer requested a credit card chargeback of the {$15000.00} payment and yet still took delivery of the equipment! That is out and out fraud. 

I was never aware of the charge back request at any time until a week AFTER the customer took delivery and signed off as accepting the merchandise in perfect condition. Once I was made aware of the issue by XXXX, I contacted the customer and informed them that I was bringing legal action against him for fraud. He attempted to portray that entire incident as his bank 's fault and " a big misunderstanding. '' He informed me that he had contacted Chase Bank and they were processing the reversal of his charge back request. 

I have been completely shut down in my business due to this incident that is entirely outside of my control. I did exactly as I agreed to do and I delivered the merchandise in perfect condition. I have other cash payments and other customers that have had their purchases halted because XXXX has frozen all of my accounts while waiting for confirmation of the reversal of the credit card chargeback request. I have been told that it could be 2-3 MONTHS before Chase Bank and XXXX process the reversal and allow me access to my own money!!! 

That is not fair, and most likely not even legal and adhering to current banking laws. In the 21st century, when financial institutions can authorize and send money anywhere in the world in a fraction of a second ... they should be able to REVERSE a transaction quite easily. They should not be allowed to freeze a small business owners accounts and put them out of business while they take their sweet time to process the reversal of a charge back request. I am requesting that the federal government get involved to address these arcane, patently unfair and totally outdated financial institution practices.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Modern Adjustment Bureau (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX STILL HAS {$49.00} THAT I PAID TO CLOSE MY ACCOUNT WITH THE CREDIT UNION MODERN ADJUSTMENT BUREAU XXXX XXXX HAS {$460.00} THAT I CLOSED 10 YEARS AGO IS STILL ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Mortgage (FHA mortgage) with SUN WEST MORTGAGE COMPANY, INC. (MI).
Issue: Trouble during payment process

Complaint: I made a payment through XXXX XXXX on XX/XX/XXXX. I was told that all I had to do is call in and give them the mtcn number so they can process it on that day then I would n't receive a 30 day late. So I called in the number on XX/XX/XXXX after I made the payment and gave the rep the mtcn number. I get a call on XX/XX/XXXX asking for XX/XX/XXXX payment and he informed me that I would be getting a 30 day late because my payment did n't get their until XX/XX/XXXX. What was the reason for me calling in the mtcn number from XXXX XXXX. Struggling to stay on track misinformed by representatives. I am doing my part yes I 'm behind you have no resources but to ruin my credit and take my home. I have no other choice but to put my house on the market and hope that I can get an apartment thanks Sunwest. I have made payments before on the XXXX of the month and I did n't get a 30 day why now. I am already stressed that things are at a down spiral you would think that I can get some type of break

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was inquiring for educational purposes at XXXX XXXX in XXXX California. I was enrolled and attended the XXXX program there. I was unable to cover tuition, and took out a student loan which did not cover my full tuition. XXXX, gave me XXXX only other option, to take out a Personal Loan with Genesis Lending. I paid on it for quite some time and stopped recently because I did not finish the program and my husband XXXX. since then my payment has XXXX and my credit is ruined! While I was attending school I wa threatened repeatedly that I would be dropped or removed from school if attendance was not met or payments not made and that I would STILL be responsible for the debt. It was the worst decision I ever made!! attending that college, for a trade that pays NOTHING!! I have since been promoted in the XXXX and am an XXXX at a very successful XXXX.

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 11/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: First off, this is a {$250.00} bill, debt from XXXX, which i 've lost work & could not pay for EVEN that. This collection agency has called " Almost '' every morning right at XXXX, waking my XXXX & XXXX old grandparents. 

Furthermore, i 've spoken with their agents explaining i lost my job ; should be back working w/in 2-3 months, and for them to call back - or i rather prefer to call you back, i will be able to pay on debt then. 

Collection agency is based in Florida, but caller id says " XXXX XXXX, MI, '' this Collection agency is CIRCULATING a New phone # every call now, which seems purposeful harassment, to purposely change their caller ID # or buys multiple 'spoof ' phone lines to, well you can figure it out. 

I 'd made it clear, and was very cordial, straight forward, and doing best to resolve this issue ; at least 4 times I 've explained to them. 

The lady also stated to me " does n't your grandpa or mother have the money for a payment? '' which they HONESTLY do not, barely making ends meet ; not to mention i thought was pretty TERRIBLE of her to suggest!

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Student loan (Non-federal student loan) with DISCOVER BANK (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: From XX/XX/XXXX - XX/XX/XXXX, I attended graduate school at XXXX Washington University. I took out federal and private student loans to pay for school and housing needs. The total amount of private loan debt that I had taken out during that time was {$26000.00} with XXXX. After school, I had difficulty making payments since the interest rate was variable ( although I was almost certain that I agreed to a fixed rate only ). To make the payments smaller, I had consolidated the private loan with a fixed rate of 10.50 %. The loan was eventually transferred over to Discover Student Loans and I am currently in good standing with them. The current loan balance is {$33000.00}, in which I have paid {$18000.00} in principal and interest to date. I have tried to refinance my loan with several institutions, but I am continually denied. The reason that is given to me is that I do n't make enough money. I just had my XXXX child, and making these payments is extremely difficult. I would like to see the light at the end of the tunnel. I do not want to go into default, but I feel that I will be paying these loans forever unless I can get them refinanced to a reasonable rate. I do n't know what to do. I have sought the advice of an attorney and an accountant - both who feel that I do n't have any options except do very detrimental things to my credit and ultimately not be able work out a better deal for myself. I am desperately seeking advice on this! PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit reporting () with BMW Financial Services NA, LLC (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Good Morning, I have disputed my pay history with both BMW Financial & all XXXX CRA 's. I 've asked BMW to correct their reporting of 30 day lates that are reporting on my credit. I 've included my pay history with BMW as you 'll see I have never been 30 days late. I have been 28 sometimes 29 days late but never 30 days. If you review the pay history in XXXX I have paid in the same fashion with no penalty to my credit history. My original due date was the the XXXX of each month, I leased the vehicle in XXXX/XXXX/XXXX as you can see from my pay history I have never had a payment post on the XXXX of any month. I had the payment date changed in XXXX of XXXX for the XXXX of each month, once again I never had a payment post on the XXXX. XXXX has me 30 days late on the XXXX & XXXX of the month when my payment would be 28 days late. Please review the documents thank you for help : - )

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (Other debt) with Duncan Solutions, lnc. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is a complaint against XXXX XXXX XXXX XXXX XXXX, who collects debt on behalf of the state of DE. Facts and details supporting my claim follow below. -Debt originates from an alleged toll violation in DE on XX/XX/XXXX at XXXX. DE said that I did n't have an XXXX. I did. The toll amount was {$4.00}. -The first notice I have of the violation is dated XX/XX/XXXX. The amount on this notice was {$29.00}. -I had moved from XXXX to XXXX to be with my wife, who is on XXXX XXXX XXXX in XXXX. -The second notice I have is dated XX/XX/XXXX. The amount on this notice was {$66.00}. -Due to my move, I may have recieved both notices at once. I do n't recall. -I appealed. -The response to my appeal is dated XX/XX/XXXX. Confusing because of the dates, but amount owed is for {$29.00}. -Reason for denial was now different. It said I did not prove I had a positive balance at the time of my alleged violation. My account is linked to my credit card. -XXXX turns me over to a debt collector, XXXX XXXX XXXX XXXX. The first notice is dated XX/XX/XXXX. -I called to dispute the debt on XX/XX/XXXX, and was told I could not dispute the debt. After arguing that I could, the representative told me that I could waste my time sending in a letter, but that I could n't dispute via phone, which their notice to me said I could. The representative also said she could read me the response I would receive, and that it did n't matter what I said. -I mailed a letter on and dated XX/XX/XXXX. -I recieved a generic response, likely the one the representative referenced in my XX/XX/XXXX call, validating my debt. -XXXX XXXX XXXXXXXX, XXXX. Has violated the Fair Debt Collection Practices Act by not allowing me to dispute the validity of my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: please refer to case # XXXX for a brief history and enclosed documentation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My husband is out on and unexpected, emergency,  XXXX   XXXX  and I explained this to the customer service rep. I paid the past due today so I would not go over the 30 days late on our credit. She said it would definitely be reported to the credit bureau. Can we please have help removing this since this was only th e 30th day?  We can afford to have our score go down and we have never gone over the 30 days late. I wish I had called over the weekend with the payment ( which I could have ) but I figured it was a weekend and it was n't open so I waited until today, which is Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Student loan (Non-federal student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am the cosigner on the loan for my son. My son graduated XXXX XXXX with a private loan debt {$170000.00} and federal loan debt of {$35000.00}. My son pays the federal and I pay the private. The grace period was requested, however due to financial hardships the account was reported as 180 days past due in XXXX XXXX although over {$6000.00} was paid for XX/XX/XXXX. Regular monthly payments were made as coordinated with the NJCLASS telephone representatives. During a telephone conversation with a NJCLASS representative the amount disclosed for the payment was not clearly identified by myself after a number of confirmations. The confirmed amount that I recorded for the payment was {$1000.00} whereas the amount requested by XXXX XXXX was {$1900.00}. After numerous telephone calls to NJCLASS for the scheduled payment for a number of weeks, each representative informed that the recorded telephone conversation were being reviewed. All attempts to pay the approximately {$900.00} discrepancy were not accepted by NJCLASS representatives and internet access to the account was no longer available. I was never contacted concerning the discrepancy of {$1000.00} and {$1900.00} and the account was directly handed to collections, the attorney office. 
After the account was forwarded to collections, regular monthly payments of over {$14000.00} have been made on this account to collections, attorney office. A number of attempts have been made to refinance this account, however NJCLASS first listed on credit report as " failure to pay '', however updated to " In collections '' which a number of private loan financing with not process. I am still attempting to locate a reputable loan financing company that will process this private student loan. The collections, attorney office, charges additional interest daily which has increased the loan to over {$200000.00}. My issue is the account should have never been forwarded to collections due to the miscommunication in the payment and no consideration was given to allow me provide the amount requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Credit reporting () with Clarity Services (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I recently applied for a loan online and most of the websites that offer this services online, are confusing so I never understood when I applied for a loan or not because at the end XXXX or more windows popped up with more applications and they were all confusing, however the ones that I successfully submitted were denied. So I requested my credit report for the agency ( Clarity Services and XXXX XXXX ) and the one from XXXX XXXX is ok, but the one from XXXX Services came out with information that did n't make happy at all. The report says that my SSN is false!!! And all my information is real, I have a real SSN and a way to prove it. Also my name is spelled wrong, and I am sure I never used my name with " Z '', my name is XXXX and they used XXXX ( which means happy in XXXX ) So I called them but never answered the phone and I am very upset because the report is wrong and I have n't been able to get the loan I need for an emergency I have. Please help me.

Company response to consumer: Closed with explanation