milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/24/2016 about Mortgage (FHA mortgage) with Selene Finance LP ().
Issue: Settlement process and costs

Complaint: Back in XXXX my home was burglarized and caught fire. We lost everything that was in the home except for the clothing that we took on an overnight trip with us out of town. We was put up in a hotel for almost 2 mths and during that time we was only given {$2500.00} from our insurance company until they finished there investigation ( which took 6mths ). During that time our funding was limited therefore we had to use some those advance funds from the insurance company to purchase clothing, appliances, personal items, Rx medications, formula, bottles, XXXX, an apartment, school books and etc. During this time Selene expected us to continue to pay on a structure that was NON-habitable. We were not able to pay on that structure, repurchase items that were lost and for new housing. So our insurance company sent a letter to Selene Finance and they accepted the settlement amount from the insurance company for {$83000.00} in which they cashed and they signed and agreed. However we were still receiving statements and the mortgage was being reported late for years after that settlement was accepted. Not only that but once we were able to get a home through a XXXX, the monies for the land value depreciation of {$31000.00} in which they would not release there name from off of it after they cashed the settlement checks about 2 yrs earlier and we ended up having to turn it over to them. Now they still reported our home as a foreclosure. We did the DIL in which they stated that the Loan has been XXXX out however they are still stating that we owe them. We do not know what we owe them additionally to this date and why? We do not understand why they took the {$31.00} check when it was not there 's after they agreed upon the settlement check. We do not know why they still reported it and caused the credit ratings to be in shambles for years. Since we were n't able to abide by the agreement upon the XXXX the home we moved in was sold because of the funds from the {$31000.00} check was no longer available. Now we are trying to move forward with purchasing a home and we have requested that they provide us with ALL documentation regarding the XXXX documents that we signed and they signed and agreed upon and they have been very rude about providing it. We have emailed them several times, we have called several times. We keep receiving the same correspondents but nothing else. Can you please assist because I am ready to move forward legally because they have stolen from me, ruined my credit for years, and now presently hindering me from purchasing a new home for my family in which I have lost earnest money because they have failed to supply me with the documentation that I needed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit card () with BARCLAYS BANK DELAWARE (MD).
Issue: Other

Complaint: I had a Barclays Bank Credit card which was charged off. The account is one of the only dbad items on my credit report so I took a closer look at it. On all my credit reports there are some differences in the way the account is reported. I have disputed this account with all XXXX credit bureaus and Barclays has verified all the information is correct. How can it all be correct when I can see some differences on the report? 
I was particularly interested in the last payments of the account. If they are wrong about my payments then maybe this account is affecting my credit when it should not. I called Barclays Bank at XXXX ( the number on my credit report ) and referenced my account with them on XXXX/XXXX/2016. I told the customer service representative that I was checking on this account and wanted to see what their record stated as far as the last payment made. She told me that she had no records of the payments and placed me on hold. 
She came back on the phone and told me she did n't have any payment records and I needed to contact XXXX XXXX XXXX about the account and they would surely have my payment information. I contacted XXXX XXXX XXXX ( I presume a debt collector ) at XXXX and the gentleman verified again who I was and could not find my account or my payment information. He suggested I contact Barclays. 
I called XXXX and I explained what happened and she suggested I dispute the account. She even did it for me. And on XXXX XXXX, 2016 the account was again validated by Barclays Bank. Even though as far as I know, they no longer have my account information or at least any of my payment information - the important stuff.

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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Ive paid my bill on time with  XXXX   XXXX   XXXX  since I opened the account. I switched banks and could not log in to my account to update my records. I called th em ( after 30 min  on the phone ) finally got access to my account. Put in new info, it did not take the info even though it said it did. several weeks later I get a hit on my credit monitoring saying my account is 30 days late ( mind you I have perfect credit ) this dropped my  credit score   XXXX  points. My feeling is they make it difficult for people to make payments in order to charge late fees and interest. I have been on the phone with these guys for hours trying to work this out and to no avail. On top of this last year they double billed me for an entire months worth of transactions and it took 4 months to get it resolved. If you open an account with these crooks beware. I have paid this account off and it is now closed.

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 10-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo intentionally acted in a personally biased way against my wife and l. 
This is evidenced by the letter we received from Wells Fargo, where the letter of about XXXX small paragraphs on half a page, referred to our notice of serious health issues. 
This was unnecessary to mention at all, it should not have played any part in their decision making process. The context of their message was in a sneering fashion, clearly biased against us. They know l am XXXX years old, XXXX. Nobody so ill wants such a response from anyone- and certainly not from people at a major bank like Wells Fargo or it 's employees. 
It is an essential part of recovery that a positive perspective is kept, that becomes impossible when Wells Fargo employees wrongfully act with bias against individuals that have serious medical problems.

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 07-11-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (Credit card debt) with Alpha Recovery Corp (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have contacted Alpha Recovery Corp and disputed this debt for {$1200.00}. They sent a statement on XX/XX/17 from XXXX XXXX, whom I do not have an account with. I have requested documentation of a signed agreement, payments made, and anything that can be of use to law enforcement as we investigate fraud.

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 08/28/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: SUNTRUST BANK UNLAWFULLY GAVE MY INFORMATION TO A PRIVATE CONTRACTOR WITHOUT MY CONSENT, I CALLED THE PRIVATE CONTRACTOR WHICH IS A FRAUD EXTORTIONIST AT PNONE NUMBER XXXX XXXX. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or

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 11-10-2015 about Debt collection (Medical) with Williams, Alexander & Associates, Inc (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I went to XXXX for my XXXX XXXX on XXXX my insurance at the time was XXXX XXXX XXXX XXXX I paid my copayment of {$40.00}. 

I was sent a total of {$880.00} for reimbursement that went to their overpayment recovery department for me to pay back XXXX. 

I was told XXXX I had to repay due to incorrect billing. The Dr 's office and then a collection agent refused to submit correct billing.I have disputed this debt since day 1. 

I was contacted by a XXXX and said the debt was incorrect as they showed me being reimbursed for {$1100.00} which I never was the patient statement they sent and patient demographics report both had incorrect information amounts received and insurance at time of service. 

I explained that the debt was incorrect and asked help in resolving the matter as XXXX said they would be reimbursed more than the XXXX that I had refunded backWhat happened after was a series of harassing and attempts to intimidate phone call by a XXXX specifically on XXXX. 

The letter dated XXXX/XXXX/15 is a complete and fraudulent statement that " there has been no response in regards to payment ''. The polar opposite has occurred and I find the actions of Williams, Alexander and associates to be deceptive and illegal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Please consider this correspondence to be formal notice that your company has failed to comply with the Loss Mitigation Procedures set forth in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX by failing to postpone the scheduled foreclosure sale to complete our mutual client 's loss mitigation review. Our mutual client submitted a loan modification application and your company failed to submit a missing document request within five ( 5 ) business days in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Pursuant to XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX the application was therefore " facially complete '' and was entitled to be treated as a complete application throughout the course of the loss mitigation review. Postponement of the foreclosure sale is therefore required pursuant to XXXX XXXX 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 05-06-2015 about Debt collection (Payday loan) with CHECK INTO CASH INC. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Collections representative working on behalf of Check Into Cash called my ex wife and told her that I may have committed fraud and that they were looking for me, even though this debt and the checking account in question were either acquired after our divorce or before our marriage, in clear violation of Section 805 part b of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Bank account or service (Checking account) with U.S. BANCORP (KS).
Issue: Account opening, closing, or management

Complaint: Hello I called earlier because my account was closed from USA bank and now I 'm not allow to open another account in any other kind of bank. I 'm in the need of my debit card. I talked to the polices department and let them know everything that USA bank has done to my account. And have n't gave me any time of information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have disputed a collection account with XXXX XXXX, XXXX that is on my Transunion credit report. This collection account has been disputed several times with Transunion, and also with XXXX XXXX, XXXX. I have asked for validation of this debt in which I am entitled to under the FCRA. Every time that this debt was disputed, I have been told that the debt was verified. However, I have never been provided a signed contract with my signature on it between myself and the Original Creditor ( XXXX - XXXX ) or  XXXX XXXX, XXXX. I called XXXX to ask to get a signed contract with my signature on it, and they could not provide one. I asked XXXX to do the same, and their response was " You indicate that when you asked XXXX for a signed contract, they advised that account records are not kept on file after the debt was sold. Please note that it is not uncommon for a credit provider to archive an account once it has been sold. Therefore, when contacted by you, the representative of the original credit provider may not have had access to the pertinent account information. '' They also report the debt amount being {$4000.00}. According to correspondence from XXXX - XXXX, this information is incorrect. The Original Creditor states that the amount on date of sale was {$3900.00}. Reporting an incorrect amount is a violation of the law. XXXX agreed and has removed XXXX XXXX, XXXX from my credit report. I am asking for Transunion to do the same, and remove the collection account with XXXX XXXX, XXXX from my Transunion credit report immediately. I have attached correspondence from XXXX XXXX, XXXX and XXXX - XXXX as evidence.

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 03/26/2015 about Debt collection (I do not know) with EOS Holdings, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I get calls from " XXXX '' about debt collection. I have no debt and no outstanding loans. The number they call from is XXXX and I am supposed to leave a message for XXXX XXXX or XXXX. I have left numerous messages to please stop calling me and I am on the " do not call '' list and I have blocked this number, but I STILL keep on getting calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: NOTE : My complaint, which while I consider as concerning a false statement, is not covered in the sub-sections below it. 
Syndicated Office Systems, XXXX dba Central Financial Control, is still reporting the the credit bureaus that an account ( debt of {$200.00} ) dating back to XXXX is still open despite it being included in a Chapter XXXX bankruptcy ( XXXX XXXX ). Central Financial Control is still 'updating ' this account and showing it as open ( last reported XXXX/XXXX/XXXX ) in its reporting to the credit bureaus. I have written multiple times requesting that the account should be reported as 'closed ', but they have refused to do so, and instead now show the account info as 'disputed '. The original account is not in dispute, nor have I ever disputed it. The only thing I am disputing is that it is an 'open ' account with an associated negative credit report comment, that they are still supposedly reporting on. 
Their reporting to the bureaus is incorrect and is negatively affecting my credit with all the financial penalties ( higher interest etc. ) that it entails. I worked hard to bring my score up, only to have this inaccurate negative comment on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit card () with DISCOVER BANK (FL).
Issue: Other fee

Complaint: I used XXXX to fill out my 2015 Income Tax. From the beginning, it said 'Starting Free '. At no time during my tax preparation did they tell me I was upgrading to a Basic Status (! XXXX ) or to Deluxe Status ( XXXX ). Then, I get my Discover credit card statement and find a charge of {$29.00}. Site XXXX Ph. XXXX NY. I find this very deceptive and dishonest. They would not even allow me to make a copy of my return before filing. The return was rejected by IRS. Only several days later could I make a copy. 
They should have to ask a person if they want to continue if changing from 'free ' status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Collection agency is pretending they are lawyers threatening lawsuit. Calling friends and family and harassing them. They wont give real names when i call the number they tell me to call, And will not send me written info when asked. Someone from XXXX collections claimed he was lawyer and when i called second time they said they work for a law firm. They give a claim number to friends and family saying i will go to jail for fraud they are scaring me. Ace checking cashing is who i owe, The telephone number they told me to call is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX has refused to remove a debt off of my credit report after being paid in full. They refused to accept payment and had me pay an outside law firm then once the debt was paid with the law firm XXXX now refuses to remove the debt. They maintain that the debt still has a balance after being paid with the law firm. XXXX has taken the stance that until they get " paid '' by the law firm for the amount owed that they will not remove the debt from my report. I have provided them with a pay off letter from the law firm and even told them I would send bank statements showing the removal of the funds from my account. Even after they have received this information they will not take the debt off of my record and tell me to contact the law firm that was paid and tell the law firm to pay them the funds. When I contacted the law firm they said that I need to contact XXXX. I have been pushed around between XXXX and the law firm that represents XXXX. I am unable to obtain credit due to this breakdown in XXXX 's system.

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 02/25/2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/2018 {$3000.00} incorrect Miss payments also I try to settle with the company but failed on the issue I offer to paid {$1000.00} that I only can afford because hardship ... Capital One sent me to their legal team a third party try to settle agreement but the lawyer/ secretary pushing for more money I do not have ... this mark on my credit reporting and stopping me from getting a new job and also getting out of hardship ... it was on the first credit card and I was naive how credit car 's work and I had got into a car crash and that's when my problem started

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (OH).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: Overview : Purchased a diamond Ring from XXXX XXXX on XX/XX/XXXX for XXXX. I was told and I reconfirmed that there will be NO interest charges for 12 months on this sale. My first statement with closing date XX/XX/XXXX was with no interest charges. However on my second statement ( Closing Date XX/XX/XXXX ) XXXX XXXX charged me 26.99 % interest charge on my balance. 

Details 1. XX/XX/XXXX/Original purchase {$1400.00} 2. First Statement ( closing date XX/XX/XXXX ) - No Interest 3. Payment {$120.00} credited 4.  Second Statement ( closing date XX/XX/XXXX ) with 26.99 % on balance Contacted customer service on XX/XX/XXXX but no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called multiple times, followed instructions giving by rep & online.

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