milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2017 about Mortgage (Reverse mortgage) with Charter Financial Services, Inc. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I just received a scam to scare us into about our equity of our home that would become interest payable to our lender if we did n't take action with Charter Financial Services. It is saying the HUD 's letter will directly impact our Reverse Mortgage. It is a scare tactic to get a new Reverse Mortgage at zero cost to us.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (Federal student loan) with Ceannate (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been trying to get FMS to work with me to help me repay a loan which I believed was still with my original lender, XXXX XXXX, on deferment but to no avail. Finally, the head of the call center, XXXX XXXX, agreed to set me up on a payment plan of {$5.00} per month if I would send a signed letter to them confirming I have XXXX people living in my household. I let him know I would not be filing taxes for the fourth person as a dependent, but he assured me my signed letter would be enough, and I would have no further issues with a payment plan. I went to make a payment of {$50.00} like I have been the last few months and was informed my minimum payment was {$83.00} a month because I have XXXX people living at my house. I was already assured by XXXX I was approved for {$5.00} per month. Now I am being told otherwise. I keep trying to reach XXXX to fix it, but he seems to be avoiding my calls. I am afraid they will start threatening me with litigation or wage garnishment even though I did everything they asked. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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 disputed a collection with Equifax several times in the past year. The collection agency is XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, DE. XXXX I have disputed this debt with Equifax several times in the last few years. Every times it comes back as verified by Equifax. I have contacted the collection agency several time over the past few years as well, every time they say that they have not received the validation or verification of their debt from the original creditor , XXXX XXXX. I contacted the original creditor and they have stated that they have no information regarding this debt and are not able to produce the necessary paperwork. 

I have informed Both Equifax and XXXX XXXX XXXX That if this information is not able to be verified by the collection agency and the credit bureaus that it should be deleted from my account and that if it is to be verified and validated that I would be willing to take take of the matter ASAP. 

This negative information is hurting my credit worthiness and I have been trying to resolve this issue for to long of a period for it to not have been verified, validated, and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Debt collection (Credit card) with Alliance Data Card Services (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call 3 to 4 times in a row about every couple of hours and never leave a message. Most of the time if I do answer, they hang up. The caller id says it is Comenity.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I never heard of this company .I have n't apply for any credit card nor any loans what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (I do not know) with Delta Management Associates, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Delta Management Associates, Inc. contacted me at work on XXXX XXXX, 2016. I gave them a mailing address and asked for all future contact to be through the mail at the given address. The next day, my employer received two faxes for information from them. When contacted to ask them to cease from contacting the business, they hung up the phone.

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 03/21/2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Problems caused by my funds being low

Complaint: On XXXX/2017, Bank BBVA Compass, charged my account XXXX in the amount of {$32.00} each time for overdraft fees. I had active/enough funds in my account at all times while these transactions went through. There were XXXX transactions that were charged overdraft, all of which I had available funds in my account. I also was paid on Friday XXXX/2017 with a direct deposit in the amount of {$1500.00}. 

Transaction # 1 {$7.00} XXXX XXXX/2017 Transaction # 2 {$64.00} XXXX Payment XXXX/2017 Transaction # XXXX {$120.00} for a website payment XXXX/2017 I spoke to a phone agent on XXXX/2017 that had access to my account and told me that if i deposited money into my account that my transaction for {$160.00} would be covered from XXXX so I went to the ATM and deposited almost {$200.00} to leave enough in my account to cover that transaction. I wake up the next morning and not only did the XXXX NOT GET PAID, but they charged me XXXX overdraft fees of {$32.00} for random transactions from days before that I actually had money in my account for. In fact, on XXXX/2017, after all of those transactions had already went through i withdrew {$340.00} in cash from the ATM which left me still with a positive balance in my account as they do not allow me to overdraft through ATM transaction. All of those transactions were already processing and went through. 

There is clearly something wrong with their system and the way it prioritizes purchases relative to your available balance in your account. Obviously, if I had a lot of money in my account, this would n't be an issue. This is only an issue because my account was low on funds, which really is n't their business to worry about. They should however make sure that everybody 's transactions are processed fairly and with the right timing. 

The explanation was poor by the company, and I advised them to listen to the phone call i had with the representative to get a better understanding. I did clearly let them know that they have STOLEN money from me as I paid for these items already and now they are collecting on those charges and adding fees to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: My credit score with TransUnion was XXXX and then with no reason, TransUnion tanked it by XXXX points. The other XXXX credit reporting agency are showing my credit score to be XXXX and XXXX, respectively. TransUnion refuses to give me any reason for doing this. I want to know why they are destroying my life.

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 04/20/2015 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (OH).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I am submitting this complaint on behalf of my son ... my son is in XXXX several months ago ... my son received a letter dated XXXX XXXX. 2015 from Levy and Associates..they were attempting to collect a debt for a total of XXXX ... I immediately sent them a cease and desist letter dated XXXX XX/XX/2015 ... 
I stated in this letter that my son in no way shape or form has XXXX and has a surmounting pile of medical bills due to his XXXX at the moment..he has no income coming in at the moment and literally has no money..and does not need this stress of a debt collector hounding him..the letter was signed by myself and.my son as well with some assistance..today..XX/XX/XXXX I received another letter from the same business..Levy and Associates dated XXXX XXXX still attempting to collect from my son who is still in rehabilitation for a tottal of XXXX ... so instead of sending them another cease and desist letter I am filing a complaint with you in hopes of getting this issue solved..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Other

Complaint: I am no longer able to access my Wal Mart online credit card online account. I tried calling the XXXX to get me back into my account. The online message is telling me I am entering incorrect personal information and I know it is correct. When I call the XXXX number it sends me to the collections department. I explain to them I want to go online and pay my bill and see what all the charges are. They tell me they can not access that information and I have to speak to customer service. I ask to be transferred to customer service and was sent back to collections. I explained to the rep that I would like to see my XXXX & XXXX statements but they wont let me because they 've locked me out. The collections rep tried again to reach the customer service dept and then they hung up on me. After XXXX calls I was told to by XXXX in customer service to contact another number XXXX. This was also to a collection agency called XXXX XXXX XXXX XXXX could not help me so she transferred me to her supervisor XXXX and he could not help me. They said they are only responsible for collections. All I want is access to my statements. Why cant they give me access to my statements? I do n't recall ever reading that they could lock me out of my online account. Can you please help me get access to my online account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-02-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Account appeared on my credit profile, this account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Money transfers (Domestic (US) money transfer) with SUNTRUST BANKS, INC. (FL).
Issue: Money was not available when promised

Complaint: I initiated a transfer between Suntrust Bank and XXXX XXXX for {$1200.00} and the transfer was never completed. I have visited the local Suntrust Branch and called numerous times to locate the missing transfer initiated on XXXX XXXX, 2016. I have not received the money and Suntrust is very apologetic, but can not locate the missing transfer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/17/2018 about Mortgage (Conventional home mortgage) with BB&T CORPORATION (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: This is a follow up to a complaint filed at the end of 2016, claim # XXXX. I have tried for about 9 monthsto get in contact with the BB & T 's Senior Vice President Complaint Resolution Manager XXXX XXXX XXXX. I received a standard letter after filing the complaint with the CFPB in XXXX 2016. I received it early last year. I sent a letter and called his office using the contact information on the token response letter. I was trying to get a specific explanation about my problem instead of form letter. I am not quite sure what action to take next. Your guidance in this situation would be greatly appreciated. 

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 09-09-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: X/X/14 {$610.00} bank of america someone opened a bank account using my name and written bad checks causing me to get into 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 07-12-2016 about Consumer Loan (Installment loan) with STERLING JEWELERS, INC. (PA).
Issue: Managing the loan or lease

Complaint: Tuesday, XXXX XXXX, 2016. getting these calls at my place of work, contacting my supervisor ; XXXX ( FILE # XXXX ( XXXX XXXX XXXX ) ; not sure who this is ; they say they want tos serve me legal papers at work ; scaring me and my husband

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 03/31/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (LA).
Issue: Loan modification,collection,foreclosure

Complaint: My father died in 2009 with a mortgage debt that was in pre foreclosure. I inherited the property and have been communicating with the mortgage company since his death to rectify the mortgage and bring it current. I went through loan modification programs, I 've sent them a lump sum payment in which they returned and then they denied the modification and told me I had to assume the loan and while going through that process, they foreclosed on the property. Almost 2 years later they rescinded the foreclosure. I then put the property up for sale and because of the years that has passed the loan has nearly doubled causing me to have to sell it for less than what I owe. The bank then denied the short sale. Currently, I am re listing the property again for a higher amount but the loan is still almost double. I have asked that they forgive and/or waive the accrued interest, attorney fees, late fees and other expenses as they wrongfully foreclosed on the property. The latest payoff still reflects all of these fees and accrued interest including the years that they wrongfully foreclosed on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Requested Credit/Refund : {$220.00} Transaction date : XX/XX/XXXX Reason : Overcharging/Unauthorized/Poor quality Dear Sir or Madam : I am appealing a rejected dispute on my card. CareCredit conclusion is wrong. Within 60 days I disputed the transaction from this Merchant because I did not authorized the type of XXXX they billed. Right after, I contacted the Merchant in good faith but they failed to reverse the charges. Instead I received a rude response from the Merchant  Manager. Immediately, I faxed my dispute to CareCredit but it went ignored. I know Synchrony received the dispute recently mailed regarding this transaction. From mentioned dispute.. all I got was a card replacement. Missing the requested refund for the actual disputed amount. Thus, now I do not even have access to my previous statements since XX/XX/XXXX.
Explaining my dispute : During my 1st consultation visit with the Merchant I provided the Dr. and staff a copy of lab results from XXXX recently performed by my pets primary veterinarian. I clearly specified to them not to perform the exact test. My relative, who accompanied me also reinstated this. Shes a witness about this being mentioned. They also didnt actually hand me the estimate instead they just spoke about what is being done and there was a separate piece of paper behind it. 

However, the results of the XXXX they took was provided after 2 weeks & not at the moment. Which is why I did not know instantly that they still went ahead & billed me despite of what we agreed on. they could have it ready instantly as its a hospital fully equipped with an ER laboratory. So theres a high probability they did it this way to charge me for something I disapproved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted the credit bureau about putting a fraud alert on my account due to inquiries made that are not mine. I requested to have the fraudulent inquiries removed and was denied. They informed me to contact the creditor to have them remove it. I did and was unsuccessful due to the age of the inquiries. Apparently the creditors could not locate me in their system to remove the inquiry. In this case I am req6the removal of inquiries that are fraudulent and not done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (KY).
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 previously filed a complaint against XXXX XXXX XXXX XXXX in regards to a XXXX XXXX collection account that was originally a XXXX XXXX credit card account. They have still failed to rectify the issues I have raised about this account. I have had several issues in attempting to contact them for information about this " debt '' and in getting proper original account verification. I even tried to contact them just to settle it in order to get it taken care of and over with. I contacted XXXX XXXX and they told me they were not servicing the account. I do n't understand why they can not assist me with the account or say they are not servicing it but they are the ones still reporting this to the credit bureaus. I have disputed this and failed to have it removed. They have failed to proactively respond to my concerns and complaints and they have failed to report my disputes expressed to them directly to the credit reporting agencies. Is this not a violation of FCRA 623 ( a ) ( 3 )? Not only that, but it appears that XXXX XXXX has re-aged my account in an attempt to further harm my credit and continue past the statute of limitations to collect this " debt ''.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Struggling to pay mortgage

Complaint: XX/XX/XXXX : I acquired a mortgage through Wells Fargo, and bought my homeXX/XX/XXXX : I lost my full-time job where I made $ XXXX/year at no fault of my own ( budget cuts ) XX/XX/XXXX : I contacted Wells Fargo immediately, who put my mortgage on forbearance due to financial hardship. Home Preservation Specialist in XXXX XXXX Iowa, said on recorded phone conversation that at the end of my forbearance, we could modify the loan so my missed payments would be put at the back of my loan. Also that there would be other options available if I did not want to do this, like pay the overdue balance in installments over time. It was discussed that having options would not be an issue. 
XX/XX/XXXX : Forbearance extended to XX/XX/XXXX due to me still not having found a full time job XX/XX/XXXX : I found full time employment XX/XX/XXXX : I contacted Wells Fargo Home Preservation to begin the modification options previously discussed. 
XX/XX/XXXX : Wells Fargo responded saying I have no modification options, and to pay the {$35000.00} delinquent mortgage or sell the property. 
I now have until XX/XX/XXXXt to pay delinquent money. Wells has now not given me any options to retain my home, and gives me 3 weeks to come up with the delinquent balance. How is this fair? If Wells wants to keep their mortgage portfolio in good standing why would n't they work with me? I 'm employed and ready to start paying.

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 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: Disputed fraud on my Transunion report of an account showing on my credit report through Transunion and XXXX. Both are reporting the account but have not provided notification of the account for XXXX XXXX. Informed them of the problems and disputed and did not verify any results and findings about the account. They did not provide proof of a contract with my signature

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 11/19/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been on XXXX since XX/XX/XXXX. All of my private loans from Navient have gone through a XXXX discharge during that phase. XX/XX/XXXX, Navient had reduced only XXXX of XXXX loans with the exception of loans ( 1 ) XX/XX/XXXX College XXXX and ( 2 ) XXXX College XXXX. Loan ( 3 ) XXXX College XXXX was reduced as I am able to make that payment while I am on Social Security XXXX Income. I explained to XXXX 's Customer Advocates Office that I still can not make a reasonable payment towards the loans. I was denied by XXXX 's Customer Advocates Office since I have a co-signer on loans ( 1 ) XX/XX/XXXX College XXXX and ( 2 ) XXXX College XXXX they will not reduce my loans. Also, Navient has harassed the co-signer and has tried to have all co-signed loans in their name instead of working with me so I can afford to pay on the loans. Since being unable to make a manageable payment my total payment due is {$810.00}. My monthly payment normally is {$280.00} with a past due amount of {$520.00}. My total monthly income is {$1700.00}.

Company response to consumer: Closed with explanation