milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FirstPoint Collection Resources (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX 2015, I obtained a copy of my XXXX Credit report. I noticed that a collection account was being reported from XXXX Firstpoint Collection Resources, XXXX. XXXX XXXX, XXXX, NC XXXX from XXXX insurance. This was the first time I became aware of this debt. While, I did n't understand why this was being report, as I have had additional policies from this company in the meantime. I was never contacted about this debt. I immediately called Firstpoint and paid this debt, as I was very worried about the damage to my credit scores. When speaking to the representative from Firstpoint, I was told to dispute this account XXXX to have it removed. I preceded to submit the dispute. Today, XXXX XXXX, I received the results of my dispute. Firstpoint did not agree to remove the account from my XXXX report. While I understand the responsibility of Firstpoint to report accounts to credit reports, I was not given the chance to take care of this matter before it was reported. I have very good credit scores with the other credit reporting agencies. This collection account is going to cause problems when I try to obtain a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Mortgage (FHA mortgage) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX XXXX my husband passed away then in XXXX XXXX XXXX a car hit me causing injury to me. I had to pay for my medical bills and both insurance company sent money to my attorneys, I let my mortgage company know what was happen and why I got behind in my payments. I also called keep your home and they said I qualified for help up to XXXX the mortgage company would not except the money. I do not under stand why other then it would bring my principle down. I sent a letter to the mortgage company with statement I would receive money to catch up with my payments and for them to let me know if a sale date should happen. The mortgage. did not let me know but posted a sale date for two week of the sale in XX/XX/XXXX .I have a great granddaughter living with me and my health is bad I need help to under stand why this mortgage company did this and why they will not except the money from keep your home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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 pulled my credit report on XX/XX/XXXX and noticed that a company XXXX were reporting 90-120 days late. I don't recall this to be the case so I sent them a certified return receipt letter on XX/XX/XXXX and on XX/XX/XXXX asking for verification of the late payments with my signature. They sent me a copy of my contract. I am not disputing the debt as this account is paid off. I'm disputing the error in my payment history that are being reported. I sent certified letters to all 3 credit bureaus and did not get anything resolve with them either. I did not get anything back from any of them showing this reporting is correct. I don't believe it is fair to report this error without giving me proof of such. I am requesting that they provide my proof of these late payments or delete this error right away. This is gravely affecting my credit scores and needs to be removed immediately. I am sending a letter today to the Attorney General Office and the Better Business Bureau as I want this to be taken care of right away.

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 07/18/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: on   X/XX/2017   my  Chase  checking account was hacked and I had a fraudulent charge of {$550.00}. Chase deactivated the account and I went into a Chase bank on    X/XX/2017      to close my account completely and open up a new one. At that time while with the banker was on the phone with  Chase  support they told him they had issued a temporary credit of {$550.00} to the account. The banker then transferred the remaining funds from the old account to my new  one  and closed out the old account.     Fast forward to     X/X/2017     where I received a secure message from chase saying that the charge was fraudulent and that the temporary money is now permanent. on    X/XX/2017      I noticed that my savings account was drained to    XXXX    and another charge of {$84.00} had come out of my checking for Account recovery. I went into the Chase bank and they told me my claim was denied and they were pulling the money out to make up for the - {$500.00} in my old account.     I called Chase support again and after an hour and a half of being transferred and waiting on hold they told me that it looks like the temporary credit was never added to my account which is what caused it to go negative. I was then told that they will dispute it but that they dont ' know when that will be completed for me to get my money back.     On     X/XX/2017     I noticed another charge of {$31.00} for account recovery. I called them again and they told me it was for the negative balance on my old account. I asked to speak to a supervisor who then realized what the issue was but was n't able to return my money or tell me when it was going to happen.     O n  XX/XX/XXXX  I had  to cash in a silver bar so I could deposit the money into my account which was sitting at   XXXX   so that I could pay mortgage and bills. On       X/XX/2017  I  noticed my check came through and again it was short by nearly {$100.00} meaning they pulled more money from my account.     This is unacceptable ... ..Chase has acknowledged their mistake but refuses to fix my problem. I dont ' have a lot of money so I need every penny I have or my finances fall to pieces. I really  REALLY  need to get my money back because as of right now Chase is literally stealing money from my account. I was never notified via email or letter or phone or anything to let me know this account was in the negative in the first place to give me time to figure out what was going on, they just decided that they could take money from my account at any time without any authorization from me. Please help!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fidelity National Information Services, Inc. (FNIS) (MI).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: I have reported on my consumers report two unknown evictions

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX , Ga XXXX Experian XXXXXXXX XXXX XXXX XXXX, TX XXXX I am writing to dispute the following information in my file. ( XXXX XXXX # XXXX ). According to section 609 of the FCRA this item is inaccurate and falsely reported onto my credit file. I am requesting that the item be deleted. 


Again please reinvestigate this matter according to FCRA section 609 and delete the disputed item as soon as possible. 

Sincerely, 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 10/25/2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: Wells Fargo Bank closed account XXXX/XXXX/XXXX but unknown to me. I traced account to XXXX XXXX, XXXX with a balance of {$480.00} and noted activity fees as of XXXX XXXX, XXXX up to XXXX XXXX, XXXX. WFB asserted total fees of {$510.00} and managed to reversed {$300.00} of fees owing me a balance of {$210.00} A savings account surfaced during researching unknown ck account. The savings account traced to XXXX XXXX, XXXX to XXXX XXXX, XXXX with activity fees total of {$290.00}. Wells Fargo Bank failed to disclose non active status of both accounts to account holder all these years. Both accounts deemed dormant but WFB kept asserting fees to wipe out small balances remaining for years.

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 11-05-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: I am a XXXX XXXX XXXX grandmother who has an account with Wellsfargo bank. My grandson help me open my account so i could pay some small bills. This account had some terms that required me to have the minimum requirements to avoid any fees for the account. XXXX is to have a minimum balance of {$1500.00}, or have a direct deposit of {$500.00}, or have XXXX transactions per month on my account to avoid any fees for this account. I do n't have direct deposit nor do i have {$1500.00} on my account, so i relay on spending XXXX transactions on my account with my debit card. This past month i was charged with a {$10.00} fee due to having XXXX transactions instead of XXXX. However, when i called they mention my account statement cycle changes every month and that I did n't meet the minimum requires for this month since XXXX has 31 days. When we open the account they mention i only needed to have XXXX transactions within one calendar month. This sounds like a unfair practice as every month changes days. It also sounds like an abusive practice since i am on limited income and they want to take {$10.00} from my account. It also sounds like a abusive practice and they do n't want to refund this fee. I need some assistance with this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Loan modification,collection,foreclosure

Complaint: ocwen loan servicing llc was keep sending me a letter attempting to collect debt regarding loan number XXXX we have no idea of what and who do we owe this loan. we believed that XXXX mortgage transferred our acct to XXXX after we filed bankruptcy chapter XXXX. also possibly after we shortsale the same properties the next year. 
short sale was done under the advice of my lawyer because for two years after got discharged from chapterXXXX, properties is still under our names, and we can not buy a new house. so, in order to removed those properties in our name, we short sale it and went to legal process.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX charged off an account in XXXX XXXX. They reported it as charged off again in XXXX XXXX and again in XXXX XXXX. The FICO credit scores treat this as a recent event instead of XXXX that happened 4 years ago. They claim it 's only noting the current status of the account but this is not how it 's considered by virtually all the various credit scores. It 's listed in account history and it 's false. It 's impossible on its face. A charge off occurs once. This is in retaliation of me requesting validation of the debt with Experian. A charge off is a XXXX time event. It does not happen over and over again. All of the charge off notations after the XXXX XXXX need to be removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Billing disputes

Complaint: I have a credit card company that is garnishing me. And That account was open back in 2006. I thought it was going to fall off by now. As well and a car that was a lemon that I have put so much money into to parts I really paid for the car.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted XXXX XXXX XXXX XXXX and they agreed to have both account removed from my Experian Credit Report. I fax the XXXX page letters to Experian onXX/XX/2016 at XXXX. I reached out to one of the Representatives from Experian and she assured me that this will be taken care of within 3 business days. I checked my Experian report today and these accounts are still remain on the report.

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 04/29/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Capital  One Auto Finance has been reporting unverifiable and inaccurate information on my credit which has da maged my credit and I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: Customer service states that a request in credit line increase led to a decrease in credit line when no visible changes t o credit score or rep ort were made. Shortly after the decrease in credit line, account was closed with no notice.

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 01/29/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been paying my mortgage and XXXX ( Balloon ) for 10 years without late payments. From almost the time of acquisition of the property it was under water ( purchased in XXXX XXXX ). the lender on both the XXXX and XXXX mortgage is the same, Wells Fargo. I tried to get a HARP about 7 years ago to refinance, but Wells Fargo declined me, since they said the LTV/CLTV was above XXXX percent. 
The XXXX on my home has a balloon payment that became due in XXXX XXXX. Prior to that I tried to refi and WellsFargo said I did not qualify, and then sent me to another XXXX of their programs and they said I did not qualify and it was not a hardship. So, I called to speak with a supervisor in the loan center since I did not understand why making a payment of $ XXXX plus all at once was not a hardship, and she said since I could take money from my retirement account to pay the loan. Is this the same bank that received a bailout from the Federal Government based on the taxes that I pay? 
For the last 10 years I have been paying on a loan where the XXXX was in excess of XXXX % ; I have made my payments diligently and on-time to Wells Fargo. Now, they are refusing to extend the terms of the loan, so I can continue to make payments and keep my home. This type of loan with a Balloon Payment has been outlawed by the Consumer Financial Protection Bureau ( CFPB ) since XX/XX/XXXX as documented in the Truth-in-Lending Act and Regulation Z relating to a Qualified Mortgage ( QM ) and the Ability to Repay ( ATR ) except for small creditors. Both the first and second mortgages were financed by Wells Fargo at the time of purchase and to-date, Wells Fargo is the creditor of these loans. 
I have been treated unfairly, and this is a game with the bank where they make you jump over many hoops to provide lots of paperwork and run the clock out so the consumer is left holding the bag, with a mortgage default and bad credit. So the bank can turn around and sell the property in a bidding war.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (Payday loan debt) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX made me a loan and the loan offer told me that I could get up to XXXX after 6 month of payment history and after the 6 month me and my wife went to get the XXXX loan she change her story around from what she told us. then she said we could get a lower amount XXXX and when we was to get that amount she change her story again it wasXXXX she was very nerves in doing the business very little eye contact and unasured of her self. after leaving me and my wife look back over the paper work and the instrest rate was to high so on XX/XX/XXXX was the date of the contract and when we did sided to dispute the contract and i email XX/XX/XXXX on their website to let them know that we were disputing the contract on XX/XX/XXXX then I went down to regions bank and stop payment on XXXX XXXX XXXX XXXX payday loan the fraud department did not call me back as the said they would. then a made other attemps to their home office XXXX XXXX, Al office to let them no we stop payment as well. and other i talk with in XXXX, Ohio, XXXX haver a file on record of me trying to resove the matter and they turn the offer down. Regions bank will be getting this for the first time to try to resoved this matter with them invoded in this matter which they play a big part in because they wer my bank and they let XXXX XXXX XXXX get away with my money to cause me hardship in this matter I also will be uploading written paper to give more information on this matter as well. regions vice president refuse to give me a copy of my complaint that I file with him on the matter I need that complaint that tell who all had some thing to do with regions mangement team that allow the to happen to me and what part every noe played that why i need jusice in the 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 10-05-2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I called GM Financial starting the day after XXXX XXXX to let them know that I need a deferment due to being impacted by the hurricane. Called since XXXX to get my due date changed that was never done..I was approved for a deferment for the month of XXXX XXXX. However after i esigned all documents my credit report was hit with a XXXX late reporting for XXXX and XXXX. I have called GM financial every other day since XXXX XXXX. Every XXXX has lied to me promising me things would be corrected. And not XXXX management person has kept their promise it 's almost like my issue is a joke. Not only has this dropped my XXXX XXXX over XXXX points it has also impacted my ability to get a natural disaster loan to fix my house. I have begged this company to corrected it and not XXXX person has cared enough for the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I contacted Equifax and disputed the above referenced accounts on XXXX/XXXX/16. They were deleted from my file when I obtained a subsequent credit report of XXXX/XXXX/16, on report # XXXX, which i am attaching for your convenience. 

However, then on XXXX/XXXX/16 i noticed they were back on my credit report. I received no notification that they would be reinserted, i received not explanation as to why, i just found the items back on my report. 

The FCRA states under 611 : " Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] '' that I am to be notified of the reinsertion of any deleted accounts within 5 days of the reinsertion. I received no such notice. 

In essence, this is a serious violation of the FCRA. i 'm asking for the help of the CFPB to take action and insist that equifax immediately and permanently delete these accounts from my credit report as is required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Student loan (Federal student loan servicing) with IOWA STUDENT LOAN LIQUIDITY CORPORATION (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: The collection agency Aspire reported to all XXXX credit bureaus that I was over 100 days delinquent in scheduled payments to them for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I never made any payment arrangements with them nor was I contacted by them to schedule any payments or to inform me that I was being billed. It was not until I checked my credit score that I realized what they did. Upon speaking to them, they made my account current up to XXXX/XXXX/2016 due to an in-school deferral, but they refuse to remove the late payment delinquencies on my credit for XX/XX/XXXX and XX/XX/XXXX, when I informed them that the information was erroneous they said there was nothing that they can do, because from their end the information was accurate.

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