milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/25/2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently had my reports pulled after receiving a bank statement from XXXX XXXX XXXX XXXX whom I do not bank with nor did I have any knowledge of this account. I contacted all XXXX credit bureaus to dispute the address as well as the many inquires that I did not authorize. Experian keeps declining to remove the inquires and report the correct address for me although I have mailed a letter with my current Missouri id with a copy of my social security card. I explained that someone has used my identity to obtain a payday loan with XXXX XXXX and has applied for multiple things. Please assist me with 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 non-monetary relief
Consumer complaint received 10/25/2017 about Debt collection (Medical debt) with Receivables Management Partners, LLC (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX reported on my credit there was a bill for services rendered at XXXX XXXX XXXX. I told the person over the phone that there was a XXXX  balance ( paid in XXXX XXXX - all three bills XXXX XXXX XXXX ( 2 ) and XXXX XXXX ( 1 ) ) ; I requested that they send the proof of the bill. I got no response. I challenged it on my credit report and recevied no response. I requested that the proof of the bill be sent from XXXX XXXX and got no response. Then, approximately, in XXXX XXXX, I received notice that XXXX XXXX  had filed a lawsuit to sue for the amount plus court costs and 8 % annum. I spoke with XXXX XXXX and stated it was paid. I was spoken down too and threatened with various things and told I was a liar. XXXX XXXX continued on and tried to tell me to just no show up in court if I didnt believe this to be true. The paralegal also prescribed unsolicited legal advice that it was in my best interest to pay. I esculated the issue with IMC and was told XXXX XXXX was the supervisor and person responsible for the return call. I never received a call. I requested again from XXXX XXXX and XXXXXXXX XXXX XXXX in wriitng and the bills ; I never received them. I was told by XXXX XXXX XXXX that I had a XXXX balance and they would mail the receipt. XXXX XXXX sent an electronic statement of services renedered. I also questioned billing because I had received a refund from XXXX XXXX after I filed a complaint about being double charged for same services by multiple providers. I have appeared in court twice and spoken with XXXX XXXX of XXXX and XXXX, who is the attorney for XXXX XXXX. He said there is no way my statements could be true and told me I can not countersue for more than {$6000.00}, I could not file motions in court if they were in paper copy, and went on how he was going to be calling people to the stand to testify and try to pressue me into settling with him. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX have continued to fail tor espond to written, email, phone call, and faxes. I have over 80 hours invested in legal defense, lost wages, incurred cost to travel, and additional loss when all parties are fully aware this was filed fraudently. XXXX XXXX XXXX is adament that XXXX XXXX is fully aware that there is a XXXX balance and XXXX XXXX continues to argue in court this will take eight hours to settle in court ( seems he is trying to milk a paycheck ) ./

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I closed my account in XXXX of XXXX and Bank of America is still allowing recurring charges to go through. The number for the recurring charges does n't work, I do n't recall ever setting it up and finally closed the account Bank of America account to stop giving XXXX {$10.00} a month and Bank of America says they will continue to pay it as long as quick books continues to hit the 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 monetary relief
Consumer complaint received 06/22/2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (NY).
Issue: Using a debit or ATM card

Complaint: I used to have an account with M and T. Over XXXX years I closed the account and cut up my bank card. XX/XX/XXXX or XX/XX/XXXX I cleared up all my debt which also verified that I had no open accounts or outstanding balance with them. Just today I received a call from them stating that my bank card was used and they wanted to verify that I was the one who used it. This means that the bank reopened my account and issued a new card under my name without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: in XX/XX/2017 I XXXX XXXX went into sales and tried to open an account and upon being told XXXX would have to wait to see if I was approved after running my credit I decided I didn't want the card and was told It would be stopped. in XXXX I looked at the XXXX   account and it says I have an open card fit them in my hard inquiries and this is why I never wanted them to finish my application. I was told it wasn't sent in and it would all be taken care of. I want to dispute this inquiry because I literally said never mind fro this reason. ive never even received a card or a account number so I basically was never told if I would even have the account so I figured the info was never sent in

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (WA).
Issue: Trouble during payment process

Complaint: XXXX XXXX located in XXXX Washington after XXXX XXXX XXXX engaged in fraudulent practices falsified mortgage documents of our home  and then allegedly sold a loan after a law suit was filed in federal court thereby attempting to foresclose on Home by conspiring with XXXX and posting and sending documents of attempted sell for a date of XX/XX/XXXX.  Later, received a letter upon return today From XXXX XXXX in XXXX, Washington stating that property was allegedly sold on XX/XX/XXXX and to contact XXXX. This is a perfected interest property registered with Secreatary of State in Washington under a TRUST.  A RESPA COMPLIANT WAS FILED HOWEVER, THE COMPANIES HAVE FAILED TO VALIDATE OR RESPOND TO RESPA REQUEST AND VALIDATED THE LAW.  Several Letters have been sent and defaulted on for their individual andf collective failures to respond and validate debts.  In addition, these companies have validated numerous copyright agreements filed with Washington State in the AMOUNT THAT EXCEEDS $5,000,000.00   PER GROSS INCIDENT IN COPYRIGHT INFRINGMENT AGREEMENT OF $XXXX  PER INCIDENT.  THIIS IS PUBLIC RECORD AND HAD BEEN A NOTICE TO PUBLIC FOR MANY YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Mortgage (Home equity loan or line of credit) with Shellpoint Partners, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I currently have a second mortgage serviced by Shellpoint Mortgage Servicing. I began calling them on XXXX XXXX/XXXX/2016 regarding the XXXX/XXXX/2016 maturing or the loan. Since then I have talked to XXXX different individual on XXXX different occasions. They stated the only options were to pay the {$59000.00} balance or refinance. I informed them, I do not have the funds to pay off and wanted to refinance. They stated someone will call me back within 24 to 48 hrs. This call back was not returned and I had to call them multiple times with the same promise. After promising a call back 3 times, someone finally called me and state that they do not do refinances any longer. They dodged me for over a month and now tell me my only option it to pay in full. My first and second mortgage are greater than the value of my property which does not allow me to refinance with someone else. The only way to payoff is to take funds out of my XXXX which will be devastating with me being XXXX. Why do they state on the invoice they send me that if you can not pay at maturity to call them for options if there is only two options - payoff or default. This organization is at the least understaffed and undertrained to support their customers since they can not return calls or answer your questions when you call. At the most is deceptive in delaying answering thus placing the customer in a position that they can charge late fees and legal fees when a customer can not pay off the loan. Additionally, when you ask to speak to a supervisor, no one is available. It is impossible to speak to anyone above the first level customer service agent. It is amazing that the mortgage holder is unwilling to modify the maturity date to eliminate the potential of a default but it appears the servicer is more concerned it cost containment and doing the minimum service required than to reduce losses for the mortgage holder and service the customer. I have my home for sale but the market is not very good.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit card () with AMERICAN EXPRESS COMPANY (OR).
Issue: Credit determination

Complaint: Last week my wife, XXXX, submitted a complaint and that case number is XXXX. Yesterday we were notified that American Express could not respond to that complaint because the primary card holder, me, or an authorized representative was not the complainant. However, my wife is my authorized representative and American Express has been negotiating with XXXX for several years. At best, American Express not recognizing my wife as my authorized representative is disingenuous and an act calculated to make a legitimate complaint against their unfair credit practices more difficult. 
By submitting this complain, I am adopting every and all statements made in case number XXXX. 
American Express told us we would have our traditional XXXX and our points reinstated once we fulfilled our repayment agreement. AmEx expressly stated : as an inducement for your successful completion of the repayment agreement, we will reinstate your traditional green card and return all membership points. Every conversation with AmEx was recorded AND AmEx acknowledges the terms are in the notes in our file. We paid AmEx in full at 0 % interest because of their promises. We incurred charges in excess of {$2000.00} for interest charged on other obligations because of the inducement made by AmEx. Now AmEx has taken the position that the traditional XXXX is not going to be reinstated because of our poor XXXX score. AmEx never told us that there was any condition to the reinstatement of the card other than the successful completion of the repayment agreement. Because I know my XXXX score is poor, I would never have entered into the repayment agreement with AmEx with the terms we did -- -- I would have paid more on my high interest cards.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Last year my Wells Fargo XXXX trust deed interest only loan term ended. The loan would need to be repaid with full principal and interest payments for the remaining 20 years. 
I called several times and inquired about options and to inquire as to my new payment. I spoke with different people every time and was given several different answers, I stopped calling. 
The loan payment changed and I have continued to successfully make the payment for most of last year. 
I was called recently by Wells as asked if I received a letter from Wells and about another change in loan term. I have not received any letter and I continue to receive my loan payment monthly. I was told my monthly payment was going to increase again. 
It is unfair and just plain wrong the lender can continue to change the terms of my loan as they please. Without regard, I fear the lender will be contacting me in the future again with another increase in payment.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Closing/Cancelling account

Complaint: Just not my account and showing under my XXXX credit bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/13/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I signed up for the XXXX credit card with Bank of America. Initially, they were unable to get my name right in three tries. 

Their fraud detection system is extremely weak. It flagged XXXX of my purchases as fraudulent, and then when XXXX fraudulent transactions happened over 2 days, it did not flag any of them. 

Furthermore, when I called to report the fraud, I was forced to wait 20 minutes on the phone -- and the initial customer rep could not even process this fraud report and put me on hold for 30 minutes for escalation. 

Their service department is clearly understaffed relative to other banks, and their fraud detection system is the weakest I have seen.

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 09/18/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Other transaction problem

Complaint: This is the second tiime this has happened. First time the other party paid me for the issue. But PayPal was no help even with proof the transaction was authorized. This event took place today XXXX XXXX. They removed {$140.00} XXXX all money except their fee ofcourse ). I notified the client and he 's prepared to pay me back in a week or so, but that does not help me now. I 've called and submitted an email to PayPal upset because they do no investigation on their part to resolve this. And it leaves me in trouhble everytime

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Medical debt) with AR Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX 2017 I sent a letter that stated after reviewing my credit report I notice incorrected information that I was unaware of, I asked that AR Resources Inc. send me the name of the hospital/medical provider and a detailed breakdown of the fees I owe as well as a copy of my signature with the provider of service to release my medical information to AR Resource Inc I received a response from AR Resources inc with a detailed bill but nothing with my signature from the provider of service to release medial information also nothing with my signature that this bill belongs to me, withholding this information is a violation of the FDCPA as AR Resources is still reporting this bill from the collection agency ( AR Resources Inc ) Thank you below is the letter that I sent to AR Resources Inc After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2017. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. and all that I received back was a itemized bill

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: APR or interest rate

Complaint: Synchrony Credit / Sams Club card : I continue to pay my bill, at least the minimum amount due each month if not more, but the total interest charges and my balance continue to rise, even when I have not made additional purchases for at least 2 months. Furthermore, I am concerned that I am being double billed interest, as my " Balance Subject to Interest '', includes interest that was previously billed on my account, and is not solely comprised of purchases. This is what I have been told by their chat rep ( which the log disappeared once I told him he did NOT answer my question - XXXX specifically said that although I paid more than my minimum payment in XXXX, it was not enough to cover all interest and principal due at that time, and was not enough to decrease the balance or the interest that would bill the following month ), and phone rep ( who unprofessionally hung up on me after I asked for an easy to understand explanation of interest charged billed on my account ). I understand how interest is calculated, but I would like to know : 1 ) The exact calculation used for my account. 2 ) Why new interest is being billed on old interest by including it in the balance subject to interest? 3 ) Why paying more than the minimum amount due, still results in a higher balance, where is the additional money going? This is unfair that I 'm paying more than I 'm being billed and no longer making purchases, just for the bill to go up month after month. It appears this is being done purposely to collect more money from me ( if not all their customers ) over a long period of time, since my bill clearly states it will I will have paid $ XXXX if I only pay the minimum payment ( which I could see that happening if I 'm paying interest on interest ).

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 03/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with INTEGRAL RECOVERIES, INC. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a {$30.00} dollar failure to appear bench warrant issued in XXXX. I did not pay the fee, it was sent to Integral Recoveries. It is currently {$45.00}. This XXXX particular fee is stopping me from obtaining my driver 's license. I called the agency and tried numerous times to pay these fees. Each time that I call I am told that I owe fees from a XXXX case. I was told that I can not pay the {$45.00} fee until I set up a payment arrangement for the XXXX case. The fees associated with the XXXX case are approximately {$2000.00}. I have been fighting this company ( same person every time I call ), for months now. I ca n't find any serious job prospect 's without my license. Please help! Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Struggling to pay mortgage

Complaint: Im writing to express that my foreclosure need to be postponed and the assignment filed in  XXXX   XXXX , Georgia need to be investigated for fraud. The servic er, Select Portfolio Servicing has  been informed several occasions prior to  XXXX   XXXX ,   XXXX   that the loan was transferred illegally through the assignment. A  Qualified Written Request ( QWR ) and Proof of Claim surrounding the mortgage loan was sent to the servicer and they are   claiming that that they never received my documents. Thats the reason why Im sending it through the CFPB.   The servicer refused my payment after I became 30 days late. They are trying to take my house and not acting in good faith. I want to keep my home and requesting a postponement and hopefully obtain a forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX 2016 I went online to schedule 2 payments for my student loans. Each payment was set for a reasonable amount under XXXX to ensure my family could budget the payments. XXXX XXXX, 2016 I went online to check my bank account balance and Navient had deducted over XXXX from my bank account which I did not authorize! My family would not be able to live with that amount taken from my account. I was told I would need to issue a stop payment with my bank which I did. Thank goodness my bank is a local community bank and they took care of everything. Navient did not apologize for their error and could not explain to me how the error occurred. They tried to say it was my fault. I would have noticed if I chose the option to pay off my loan when I was setting up the online payments. How can I can make such a large mistake? The system has issues when setting up payments. They took my bank account information and applied the entire loan and deducted the balance from my checking account. I no longer trust the online option and will have to mail a paper check for my loan. I am discouraged in the system especially since my niece has a private loan and I am scared she will have the same issues as I did. I am making every effort to avoid my children having to take out private loans when they go to college.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (MO).
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: Credit Burea XXXX XXXX stated that Lexis nexis verified the bankruptcy with the courts but per the letter I received from the courts that 's not true

Company response to consumer: Closed with explanation