milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-05-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX refused to send me my biling statements from XXXX XXXX XXXX and my last payment on XXXX XXXX, XXXX. That 's over 365 days between payments, so my 7yr time clock for deletions starts 30 days after first delinquency under FCRA. I had a three way call with XXXX and Experian and the manger whose name is XXXX # XXXX, and XXXX # XXXX XXXX and XXXX XXXX XXXX all confirmed the validity of my complaint. XXXX then lied and said they could n't find records because it 's an old file. I was threatened to contact you and anyone else, so I 'm reaching out to you to retrieve these dates and records so that I can have this deleted from my credit reports immediately. This company started out polite and concerned but then flipped the script and denied me all relative information for my records.

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 08/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (SC).
Issue: Loan modification,collection,foreclosure

Complaint: Select portfolio servicing , Inc . 
XXXX XXXX XXXX XXXX, Ohio XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sc XXXX are attempting to foreclose on my property at XXXX XXXX XXXX XXXX SC XXXX 1. They have denied my modification. 
2. They are foreclosing on me with an assignment that was fraudulenty created and robo signed. 
3. They pooling and servicing agreement that was filed with XXXX securities exchange clearly indicates that all conveyance were to have been done 90 days within the cutoff of the trust. 
4. The loan was placed in the trust 6 years after it closed. 
5. XXXX XXXX XXXX did not respond to my debt validation and Select Portfolios did not respond properly to my written requests. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In XXXX, I sent letter to all XXXX collection companies regarding bankruptcies I filed in XXXX and XXXX ( same bankruptcy, but had to refile because of attorney mistakes ). I explained that it had been more than 10 years and that these XXXX item should be removed from my credit report. As of the date of this complaint, both remain on my credit report. I believe that it is still affecting my credit score. Since that time, I have had a great payment history and I would like to have those items removed.

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 04-10-2015 about Debt collection (Medical) with I.C. System, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We have received numerous calls from IC Systems saying they are trying to collect a debt and they need more information from me ( date of birth, social security #, or home address ). IC Systems has never sent me a bill. They would like me to pay over the phone. The amount owed is {$88.00} and was for an XXXX performed on XXXX XXXX, XX/XX/2015. I did have an XXXX on XXXX/XXXX/XX/XX/2015 at XXXX XXXX XXXX XXXX. I called XXXX XXXX. XXXX XXXX said that I do not owe that amount. I have not received a bill yet from them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Struggling to pay mortgage

Complaint: I have a judgement recorded in  XXXX  County Florida due to a foreclosure on my primary residence in 2009. At that time I was trying to facilitate a short sale of this house and Chase Bank was no help at all with this. As I was submitting offers from buyer they tracked the foreclosure concurrently. They kept rejecting the offers until the foreclosure date came and the property was sold at auction to Chase Bank. The judgement amount is {$220000.00}. After they received the certificate of title the property was sold for {$120000.00} which was less than the short sale offers I submitted.
I would like to have this judgement cleared from the records in  XXXX  County.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: A computer glitch XXXXXX/XX/XXXX that Transunion was having a problem with caused multiple inquiries to be deleted and then they were later added back on my credit report without giving me the legal required written five day prior notice before adding them back on my credit report. I have contacted Transunion several times ( XXXX/2017, XXXX/2017, XXXX/2017 ) in good faith to explain the situation about the deleted inquires and that they had illegally re-added them back unto my credit report. By them adding these inquires on my report they are also adding a hardship and my rights are being violated by Transunion. Please help me by not allowing Transunion to victimize me. This glitch was Transunion fault and I had nothing to do with it. So why am I being punished for Transunion not taking the proper steps to inform me of the glitch and given me five days written notice before adding them back on my credit report? Please help me have these inquiries removed.

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 05-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: AS OF   XXXX   XXXX   I WAS INJURED AND IN THE HOSPITAL, TALK TO CAPITAL ONE AND THEY SAID THANKS FOR THE CALL AND I TOLD THEM, OUT OF WORK FOR A LONG PERIOD OF TIME.. THEY SAID THEY WOULD WORK WITH ME AND I SAID OK..  ON   XXXX   XXXX   XXXX   -- THEY SENT ME A LETTER AND SAID PAID {$88.00} BY   XXXX   XXXX   AND I TOLD THEM THAT WAS NO WAY AT THIS TIME..I DID TELL THEM THAT I COULD PAY A BIGGER PAYMENT LATER IN THE MONTH, THEY SAID GREAT.. SHORTLY AFTER THAT I SENT ALL OF MY PAST DUE AMOUNT TO THEM..DAYS LATER I CHECK TO SEE IF THEY RECEIVED MY MONEY AND THEY SAID YES AND INFORMED ME AT THAT TIME MY ACCOUNT WAS CLOSED AND THEY WERE NO LONGER DOING BUSINESS WITH ME..I HAD THIS ACCOUNT FOR OVER 8 YEARS AND NEVER LATE..I WOULD NOT HAVE SENT MONEY WITH THE THOUGHTS OF THEM CLOSING MY ACCOUNT. THE COMPANY IS CAPITAL ONE AND THE LAST FOUR OF THIS ACCT IS --  XXXX  -- -MY INFO IS   XXXX   XXXX   --   XXXX   XXXX   XXXX   XXXX   ,   XXXX   XXXX  , FL  XXXX   XXXX  -- -- THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (UT).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Salle May has been calling XXXX 8 times a day trying to collect payment on my sons student loan. Even after making a payment they continue to call non stop. I was told by them that the student loan is through a private insurer which happens to be Salle May and is not secured by the federal government.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Credit card) with DISCOVER BANK (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Discover is making frequent calls to my work place even after being asked several times by receptionist that they can not call at work

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Application, originator, mortgage broker

Complaint: Request to REFINANCE HOME MORTGAGE LOAN currently with Wells Fargo Bank , N.A . Home Mortgage Division. 
XX/XX/XXXX I contacted a Wells Fargo Agent ( XXXX XXXX XXXX ) requesting to REFINANCE my current home mortgage loan. Current Interest Loan on my mortgage is 5.625 % After several phone discussions XXXX XXXX e-mailed me XXXX " Approximate Loan Cost Illustrations '' I chose the XXXX loan cost illustrations with the interest rate of 3.500 % ( see attached exhibit titled " Wells Fargo Approximate Loan Estimate ''. ) I also e-mailed XXXX XXXX asking for a " Loan ( Rate ) Modification ''. He responded by saying he does NOT 'Rate Modification ' but " ... .understand that a loan modification is usually do n't ( done ) for an extenuating circumstance, not just to improve the rate on your current mortgage .... '' XXXX XXXX asked me to call XXXX for assistance on loan rate modification. I called this toll free number and spoke to several Wells Fargo Agents such as XXXX XXXX, XXXX " XXXX '' and so on. These agent ALWAYS hang up on me without concluding our conversation. 
I called XXXX XXXX back agreeing to proceed with the application for the Refinancing of my mortgage loan at the " Approximate Loan Cost Illustration '' showing the interest loan of 3.500 %. We both agreed on this interest rate when XXXX XXXX told me that " Wells Fargo 's internal record of my mortgage payments showed that I have been late more than XXXX-times in the last one year. '' I tried to explained to him that for years now Wells Fargo has been making successive mistakes in the way the bank apply my loan payments. XXXX XXXX terminated our conversation and transferred my call to another Wells Fargo Bank 's Customer Service toll free number which nobody answered. 
XXXX XXXX ( Executive Mortgage Specialist ) XXXX, extension XXXX I called XXXX . XXXX several times and left a message for her, with my phone number, but XXXX XXXX XXXX NEVER returned my call. ( Note : In the past, on another issue, XXXX . XXXX sent me a letter ( dated XX/XX/XXXX ) with her phone number encouraging me to call her if I have any question on my Wells Fargo mortgage. Whenever I called her, the voice message will say " I am in the office today ... XXXX please leave your name, phone number and mortgage number .... '' I was never called back. 
QUESTIONWhy will Wells Fargo Bank ( Home mortgage division ) not want to REFINANCE my mortgage? 
REQUEST. 
1. I will like to REFINANCE my home mortgage loan with Wells Fargo at today 's Interest rate of 3.500 % as e-mailed to me. 
2. XXXX APPLICATION TO REDUCE MY MORTGAGE : I requested to REFINANCE my mortgage and NOT through XXXX XXXX from Wells Fargo. Pls stop sending me solicitation for a XXXX XXXX to reduce my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Mortgage (VA mortgage) with loanDepot.com, LLC (NV).
Issue: Application, originator, mortgage broker

Complaint: I am in the market to refinance my currant mortgage held by XXXX XXXX XXXX XXXX in Nevada. I went on line and found a company called LoanDepot. I spoke to XXXX XXXX on XXXX/XXXX/2016 who took {$10.00} and we talked about possible loans available for my situation. That situation is simply we have a 5.6 % mortgage loan and now that home values are coming back up I wanted to refinance for a lesser rate, no cash out nothing, just refinance. As a XXXX Veteran he said I could qualify for a VA loan. I explained I had done that twice and he said you can do it again. If the loan was assumed and not paid it would be on m Credit Bureau. Okay. So he gave me a rate of 3.625 % and told me he 's been doing this for 9 years, he 's a great person etc. He said he would send documents email later that day and call me in the evening and go over everything because logging in can be a little tricky. then they would get a VA appraisal for {$200.00}. No call, nothing. LoanDepot never called back. On top of that XXXX showed that LoanDeport through XXXX inquired XXXX/XXXX/2016 on my credit report twice and really kicked my credit score. Then I get a call from their customer service (? ) wanting to know how things were going. When I told them what happen they were like, oh, asked who my loan officer was and hung up. You need to look into this company. Something is very wrong with what they are doing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I requested my free annual credit report from all three companies but only received one from XXXX and it was full of errors, appearing as if my credit was combined with someone elses. I could n't access XXXX or Equifax because the security questions asked for me to enter were based on someone else ( addresses I have never lived at, accounts never opened etc. ) I do n't think anything was stolen or my identity taken but it definitely needs looking into.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Medical debt) with Avadyne Health Holdings, Inc (MI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Received an automated voicemail from H & R Accounts. Voicemail states that the call is to attempt to collect a debt, and any information obtained may be used for that purpose. Since the voicemail is an automated message, the debt collection can not confirm that whom they are calling is the consumer. Therefore, violating FDCPA regulations with regard to leaving a message relay that there is a debt owed and being collected on. 

Also the debt in question was pulled by their client over a year ago, as it was placed with their agency in error. This has been confirm by their client today by phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Transaction issue

Complaint: I have reported my card stolen XXXX different times now. Every time this causes me to open a new credit account. I 've told the bank and XXXX that the reason I keep reporting it stolen is because XXXX keeps getting access to my new card. Visa is providing them this. I told XXXX to stop getting my new card number, and they have refused. They also refuse to let me cancel except in person or by mail which I can not 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 11-05-2015 about Bank account or service (Checking account) with DISCOVER BANK (VA).
Issue: Making/receiving payments, sending money

Complaint: Have online account with Discover Bank. Logged in XXXX/XXXX/15 @ XXXX XXXX to transfer {$20000.00} to my liked account at XXXX XXXX XXXX. Today is XXXX/XXXX/15 at XXXX XXXX and funds are still not at XXXX. Contacted discover and spoke with supervisors who only could tell me funds were sent on XXXX/XXXX/15 at XXXX. He assumes all times are EST. Have called the Federal Reserve in XXXX ( XXXX ) and they can not help. Called XXXX and spoke with XXXX XXXX who stated should not take more than 2 days, but could not offer any help. Called Fed Reserve ACH center in XXXX and was advised they did not communicate with individuals-only banks. Have emailed complaint to discover with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Payday loan () with LDF Holdings, LLC (KY).
Issue: Can't stop charges to bank account

Complaint: I have stop payment on Lend Green due to finding out they are not regulated in the state of Ky. I went into my bank, XXXX XXXX XXXX XXXX, on XXXX and put a stop payment on them but they went into my 2 weeks later under alternate originator number. I have sent an email to the company to stop all ACH and I filed a complaint with Ky XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/22/2018 about Mortgage (Conventional home mortgage) with U.S. BANCORP (IA).
Issue: Trouble during payment process

Complaint: My insurance company, XXXX, contacted me on XX/XX/XXXX before they were going to cancel my policy on XX/XX/XXXX due to an unpaid premium. I immediately contacted US Bank, my loan servicer, to make sure they had paid the bill from my escrow account. They assured me that they had sent a check on XX/XX/XXXX to XXXX. The check number they gave was XXXX, they sent it to XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX California, XXXX. Neither company can give me any information about who has made a mistake. My home insurance has since been cancelled.

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 05/25/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: They have failed to block accounts resulting from identity theft from my credit report even though I provided my affidavit and police report as well as a letter detailing that my information was stolen and used by another party. In addition, I have paperwork which explicates that another party used my name in a criminal matter therefore I am not responsible for the accounts that do not belong to me. Not only did they fail to block this information, they failed to give me the documentation that proves that these accounts even belong to me. I did receive a letter stating that these accounts were verified as mine and that they are declining my request to block these accounts. To legally verify, Congress states that they must have firsthand knowledge of these accounts and they did NOT! Before I speak with my attorney, I 'm giving a goodwill attempt for the last time to rectify this. 

Pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for you to report these accounts in the first place, nor did I give the creditor permission to report these nor did I give permission to the court to report these. # 1 I was a victim of identity theft which means that these items must be removed immediately # 2 you do not have the authorization to report this bankruptcy which is also reporting inaccurately! 

XXXX XXXX Account # XXXX where 's the documentation that proves ownership of this company? I did not open this account nor did I apply for it - remove this immediately! 
XXXX XXXX Account # XXXX where 's the documentation that proves ownership of this company? I did not open this account nor did I apply for it - remove this immediately!

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 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Experian Information Solutions Inc. (NY).
Issue: Problem with customer service

Complaint: After paying for a monthly service through Experian, there have been two additional collections accounts placed on my credit report. I do not owe the money which has been added to the report and a credit lock, fraud alert has been in place for several years. The most recent fraud alert was added this month. Someone in XXXX, Florida has added a {$200.00} consultation fee to my credit report twice. The collection is not my account, and I have not received any consultations in XXXX Florida. When calling the number listed at the Experian website several times, there was no answer. When accessing the online account there was again, no access allowed to dispute the added collection. The monthly fee has already been paid and was about {$25.00} per month last couple of months service fees.

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 05/19/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MI).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: The problem is my credit limit was lowered from {$500.00} to {$400.00} without warrant and I make my payments on time regularly. Never been late so how can they lower my credit limit. I contacted Walmart on  XXXX / XXXX / 2017  and I was told this information. This is unfair and I would like this matter look into as an consumer this is misleading to give me an credit limit and then change it and I never been late or behind on my payments.

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 12/13/2015 about Credit card () with SYNCHRONY FINANCIAL (AR).
Issue: Payoff process

Complaint: I have an account with XXXX XXXX XXXX issued by Synchrony Bank. We have XXXX credit card only and my husband uses it also for his expenses at work, so every time he receives his expense check I deposit to the bank and issue a online payment to XXXX right away to keep our available credit open so we do n't have any surprises when charging. On my last Statement I '' ve made three pmt one of {$890.00} this was expenses, one of - {$1600.00} also expenses and the last one of {$3200.00} which was my balance to pay and the last one was deducted from my bank account via on line pay with my bank on XX/XX/2015, XXXX received it on XX/XX/2015 and is still holding this pmt as of today XX/XX/2015. They are telling me they have to wait for the money to clear, I 'm sure my bank would not send my pmt if the fund was not in my account, ( And it was already deducted on XX/XX/2015 ) with this situation going on and the other charges done since, we went to charge a small amount of XXXX and was denied by the store, after talking to these clueless at XXXX they refuse to apply my pmt to my balance, my husband was leaving on a business trip this morning XX/XX/2015 without any credit cards. I do n't believe they have the right to hold on to my money since my Bank has pay themselves on XX/XX/2015 it should not be any issues about credited my account, they are abusing people who pay their bill off each months and they should not get away with it. I need help to stop these deceptive practices. It 's putting us in a uncomfortable position and my husband have no way to charge for his expenses for the next few days, we ca n't not accept this kind of XXXX, because we like to pay our bills ahead they are punishing us by refusing to apply pmt on the same day they receive it.

Company response to consumer: Closed with explanation