milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-02-2015 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: i just do n't know who are they and why are they on my credit report please help me i just want this item to be deleted from my report

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I have XXXX mortgages with Specialized Lender and I never received my XX/XX/XXXX mortgage statement which is what triggers me to pay them. I opened my XX/XX/XXXX statement on XX/XX/XXXX and realized I never psi for XX/XX/XXXX. I immediately paid for both houses and the late fee for XX/XX/XXXX and they received payment XX/XX/XXXX. I thought I was all set until today when I was declined for credit for a new phone. When I called I found out I went from a near perfect credit score to default. I immediately called the mortgage company and they told me I could fax a letter but usually they never reverse the notification they send to the credit reporting bureau. SLS also do n't thing they needed to contact me before they notified the credit reporting bureau. I have never been late before and had a great credit rating and they ruined it and do n't seem to care to help me clear it up. I did send them a faxed email since that is all I could get to deal with my issue and they told me they would let me know what they will do in 30 days. So they ruined my credit and I ca n't do anything tip I hear from them. 

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 06/24/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CO).
Issue: Loan modification,collection,foreclosure

Complaint: We have filed XXXX requests for a loan modification with US Bank. They sit on the application and do not follow the rules pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ), Public Law No. 111-203, 124 Stat. 1376 ( XX/XX/XXXX ) .1 Rule 1.5.7thru 1.5.9. They do not make a determination within the guidelines. 
My last application was complete on XX/XX/XXXX. My counselor, XXXX XXXX, was told the file was complete by XXXX, point of contact at US Bank. They made a determination that I did not qualify because they did not receive my documentation on XX/XX/XXXX. This is simply not true. They told me that my file was complete and at underwriting ... sat on the file for more that 60 days and then said I was lacking documentation. They never notified me according to the rules that more documentation was requested or required.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Bank account or service (Checking account) with BB&T CORPORATION (VA).
Issue: Problems caused by my funds being low

Complaint: I have been hit with almost {$200.00} in overdraft fees f rom BB & T. I payed s ome bills the day before my direct deposit from my employer was deposited only after checking to see if I had any pending deductions. I had no pending deductions showing on my account so I figured with my direct deposit being deposited in a few hours I 'd be safe but when I checked my account the following morning I had been hit with numerous overdraft fees, I called the bank and they said they do n't post all pending deductions daily so that 's why I was charged and there 's nothing they can do because I had  XXXX  overdraft in  XXXX  of    2016 and  they only refund  XXXX  every 24 months.I ca n't afford to pay {$200.00} in overdraft fees when I only make {$300.00} a week, is there anything I can do?

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 04-06-2017 about Consumer Loan (Title loan) with AGORA NOTUS, LLC (GA).
Issue: Charged fees or interest I didn't expect

Complaint: every month there an interest charge and is different so it seem like my payments dont go down it goes up and the paper work they gave do not add up with my payments iam making the amount they have that i would have made in year that they gave me to pay off the loan do not add up

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 12/22/2015 about Debt collection (Medical) with Dynamic Recovery Solutions, LLC (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dynamic Recovery Solutions has contacted me regarding 1996 debt ( {$610.00} ) that 's not mind. They have my SSN, address. The first name does not match nor does the DOB. I requested proof of debt which was declined. DRS states that the original bills were probably destroyed since the bill is so old. I 'm concerned about my credit and they have some of my personal information. What can I do?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2016 about Mortgage (FHA mortgage) with SUN WEST MORTGAGE COMPANY, INC. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: SunWest Mortgage Keeps on calling and sending letter saying our account is seriously past due not respecting the 15 day grace period calling my cell phone and job threatening to take action and foreclose on property

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (Medical) with United Revenue Corporation (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I HAD MEDICAL INSURANCE AT THE TIME OF THE SAID DEBT COLLECTION CREATION DATE. I HAVE MADE MULTIPLE ATTEMPTS TO CONTACT THIS CREDITOR AND THE ONLY THING THEY HAVE SENT ME IS A LETTER SHOWING I HAD A MEDICAL EXAM. THIS IS NOT RIGHT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Student loan (Non-federal student loan) with Express Aviation (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XXXX told me I needed to take out a private loan to help pay for my school and then the school closed. I am basically paying for services that I did not receive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/22/2017 about Debt collection (Payday loan debt) with National Check Resolution Inc. (TN).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I was contacted by NCR XXXX XXXX CEO from XXXX GA about a payday loan debt I took out about 2 years ago from XXXX XXXX in XXXX TN for {$25000.00}. 
XXXX XXXX called me on my job and threatened me that if I did not sign a promissory note and pay them {$100.00} within i week with a credit card or debit card that he would be garnishing my wages for {$1500.00}. The following day he called my fiancee on her mothers cell phone and discussed my debt with her. He told her that I had to pay {$100.00} in 2 days then pay {$350.00}. within a very short time and if I did not do a promissory note the following day and pay the day after that that I would be served with papers that had already been approved through the court and I would have to pay {$2000.00}. My fiancee and I have just had our XXXX XXXX and this payment would cause a great deal of undue hardship for my family. I researched my consumer rights and the following day I received a message from XXXX XXXX on my in-laws cell phone again threatening me that if he does n't hear from me by the end of the day I will be served garnishment papers at my job the the following day. He called back and my fiancee tried to ask him for information concerning his company, the address and the license # and documentation about the loan he rudely interrupted her saying documentation has been sent and an email was sent which it never was and that he would be sending someone to my place of business with papers in the XXXX He then proceeded to call my boss told him I had bad checks and was going to be arrested. My bosses company depends on me to be there every day and he said he would pay this debt to keep me out of jail. I have to pay this back to my boss with my pay check and it will greatly harm my ability to pay my rent and get food for my family.I am extremely angry and feel this man has put lies and my financial business out to people who have no business knowing. I plan on legal actions concerning this company and this man.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (FL).
Issue: Trouble during payment process

Complaint: Starting XX/XX/2017 I applied for a forbearance of my mortgage loan. Throught the 90 day period I paid my required amount to loan care. During this time, loancare tried to charge me a $XXXX professing charge. This item was not stipulated in the agreement. Loancare locked out my online access therefore I could not make payment online. Through out the 90 day period the fee was waived. After 90 days, I agreed to a payment plan and the counselor adviced the XXXX$ fee will not be charged. Everytime i tried to make a payment fon the phone, because the phone is the only way to make the payment due to the fact I do not have access to my account.

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 01/30/2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (WI).
Issue: Making/receiving payments, sending money

Complaint: I opened an account with Synchrony Bank for an XXXX XXXX XXXX in XXXX of 2015. I made my first purchase on XXXX XXXX, 2015, with my first scheduled payment due XXXX XXXX, 2015 for {$25.00}. On XXXX XXXX, 2015 I made my first payment of {$30.00} to Synchrony. I have paid every month this way on the XXXX of each month with the payment being due each XXXX. Instead of being given credit for early payments, the bank considers me 'late ' each month and assesses me a late fee of {$35.00}. I called about it and was told that my XXXX payment does not count, but instead would be applied as a double payment for XXXX 2015. I am considered late although I paid on time, even early. Synchrony refuses to budge.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have had an American Express card since XXXX. I upgraded from green to gold a few decades ago and from gold to platinum a few years ago. On XXXX, I was assessed annual membership fees of {$720.00} ( {$550.00} for me + {$170.00} for my wife 's card ). This fee is assessed IN ADVANCE. I decided to close the account. It took me a few weeks to transfer several regular, automatic monthly payments from this card to another credit card. Having completed that, I called AmExp today to cancel my card. They will not refund any portion of the {$720.00} membership fee THAT I PAID IN ADVANCE. They offered to downgrade me to a less expensive card ( green card - {$95.00} fee ) and to give me a credit for a portion of the {$720.00}. I do not want that. I want to close my account and receive a refund of the unused portion of the membership fee. On a per diem basis, I 've had the card from XXXX through XXXX, which is 39 days. {$720.00} divided by 365 days multiplied by 39 days equals {$77.00}, to which they may be entitled. I demanded a refund of {$640.00} XXXX {$720.00} I paid minus {$77.00} to which they may be entitled XXXX but was refused. Can you help me, please?

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have submitted several request to Equifax, XXXX XXXX XXXX as well to the Company itself XXXX XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX payment history on credit file show XXXX having been XXXX days late. Date of first delinquency XXXX payment history on credit report has XXXX being the first reported delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: Wells Fargo opened an account in my name and has had someone named " XXXX '' send XXXX of dollars in the last year. The account ends in XXXX and over the past year, I have received no less than 20 notifications that XXXX of dollars had been sent to me. I have called and walked in to a branch to complain about the account that was opened in my name and no one from Wells Fargo will close this fraudulent account. Closing my all of my accounts with them did not help. As of today XX/XX/2017, I am still getting notified of XXXX sending me money through Wells Fargo XXXX to an account that I never opened.

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 Credit card () with CITIBANK, N.A. (FL).
Issue: Credit determination

Complaint: I have a credit Card from Citi Bank. I accidently failed to make one payment of XXXX dollars. 
The next day they started calling me all day long. They made threats and harassed me all day. I asked them to stop and they reminded me about accounts from thirty and twenty years ago. There was XXXX account from twenty years ago, this account was discharged in a bankruptcy twenty years ago. They still wanted me to pay on a discharged account. When I spoke to them they were abusive and nasty. They are the worst Credit card company I have ever been so badly abused by. Please listen to me and do n't do Business with them

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 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: My XXXX XXXX XXXX Acct # XXXX Was reported in error 30 days late XXXX and XXXX fixed the problem but Experian didn't which is causing me financial stress and hardship where i can't refinance. 
Please help me with this situation. Thank You.

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 11-09-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Loan modification,collection,foreclosure

Complaint: Forced placed insurance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have sent requests to have the BANKRUPTCY removed from my credit reports, as I have contacted the Bankruptcy Court and received a letter from them stating that they do not report to the credit bureaus. The response information I receive back from the all 3 credit bureaus is that is has been " VERIFIED '' and they obtain public information from the local, state and federal courts, which is untrue since I have a letter from the the Bankruptcy court stating that they do n't report to the credit bureau, so I 'm asking for help in this matter to have this removed from my credit reports from all 3 credit bureaus ( XXXX, XXXX & TRANSUNION ). 

Thank you in advance for you help in this matter

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 12-04-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX/XXXX/2015 I submitted a consumer dispute to XXXX requesting them to conduct a reasonable investigation regarding a Bank of America credit card ( see attached ) account that appears on my credit file. I faxed ( see attached ) a copy of a police report with the dispute.. I am a victim of ID Theft. On XXXX/XXXX/2015, two ( 2 ) days later, I received the results of XXXX " reasonable investigation '' ( see attached ). I specifically stated on my dispute that I was a victim of ID theft to XXXX. If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Closing/Cancelling account

Complaint: I have/had a Gap credit card since XX/XX/XXXX, which I have paid on time until recently, when I had a family emergency for which I had to leave the country for an extended period of time. As a result, I fell behind on my card payments for XXXX and XXXX. The outstanding balance at the time was {$140.00} of the {$300.00} credit limit ; then the outstanding balance went up to {$410.00}. About a week ago I went online to pay and bring my account current and thought everything was fine until recently, through credit monitoring, I found out that the company closed the account unknowing to me. As a result of this my credit score was seriously impacted. I called the company today XX/XX/XXXX to get a copy of their written policy/cc agreement showing how/when they go about closing an account, and was told they do not have a written policy, but review the account after 60 days and them make a decision. 
I am a XXXX year old trying to work and continue my education at the same time. I consider myself to be financially responsible. I had no idea that the card would be closed without any prior notice. I am now placed in a predicament because I need get a car to get to and from school and work and my credit score went so low that I will get excessively high interest rates, an may no longer be able to afford a payment for a reliable car. In addition, I am not sure how that will affect my ability to get a student loan. Not to mention if I do get a car I will also have to get insurance which will be higher because of my now very low credit score. 
Before this incident I had a XXXX score of almost XXXX now it 's down in the XXXX 's. I do not understand how I could have been penalized so drastically for XXXX credit card with a {$300.00} credit limit. I am being treated like I had a bankruptcy or foreclosure. This is not fair I have a good payment history with my other cards. What basis did they use to make the decision to close the card without prior notice? Did they review my credit? 
I was hoping the XXXX XXXX would work with me to re-age/restore the account so that I can get my credit score back up. They did not help. I am willing to pay down the balance to {$0.00} if that 's what it takes to get my credit fixed. Please can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NC).
Issue: Making/receiving payments, sending money

Complaint: On Friday XX/XX/XXXX I received a credit from Wells Fargo of {$200.00} on Account # that ended up being a temporary account and then I received a bill for another account # supposedly new account. I pulled my last bill and it had a different Account which was my original account number. 
I walked to the Wells Fargo downtown XXXX, NC on Monday XX/XX/XXXX and XXXX XXXX, Personal Banker called Wells Fargo Home Projects and spoke with XXXX around XXXX He advised that Wells Fargo had closed my original account because they wanted to remove the Visa portion of the credit card and opened a temporary account in error as my Home Project account. XXXX could see my credit and they advised it would be moved to my new account. 
Since my newest bill was for {$340.00}, I deducted {$200.00} credit and did not pay late fee of {$27.00} as I was not late and Wells Fargo put on temporary account. I should not be penalized, so I mailed a check for {$120.00} as that was the balance and put credit remittance, bill remittance, explanation of deducting {$27.00} late fee and copy of XXXX 's card. 
I then received a letter dated XX/XX/XXXX from Wells Fargo explaining a Temporary account was generated in error and it appeared everything was straightened out. However, I received a call at my work on XX/XX/XXXX at XXXX saying they want to know how I plan to clear up my past due balance. I was so upset as I had already spent an hour personal time from my work the first time straightening this out. I told them I would have to get all my documents from home and return call as the person was saying I missed a payment and I knew I had n't. 
I pulled all my history for a little over a year and I have paid every payment a few days to a week before the due date and have been paying extra and I usually pay at a Wells Fargo. My regular payment was {$160.00} and in XX/XX/XXXX I paid 2 months ( {$320.00} ) and then after that all except for 2 months I paid {$200.00} a month. 
I now have next months bill saying I am past due {$40.00} and there is a {$37.00} late fee. I would gladly pay if I was truly was late and truly past due however if you take {$120.00} + {$200.00} credit = {$320.00}. My newest bill even shows payments {$320.00} other credit {$27.00} late fee so this should have been settled. However when I look on the right side of my bill it say past due {$40.00} and {$37.00} Fees charged. 
I was told my case has been turned over to XXXX XXXX and it may take up to 10 days, in the mean time my account gets more and more complicated. 
I have been paying extra to resolve this account and now I feel they are also messing with my credit as they can report me as late but I am not.

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