milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/31/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (DE).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2017 a counterfeit check of {$490.00} was cashed and that money was removed from my account. I noticed it on XX/XX/XXXX and called and filed a dispute. They offered no credits or solutions for that amount money from a check that doesnt even look real. Due to the almost {$500.00} coming out of my account, i was charged XXXX overdrafts of {$35.00} on XX/XX/2017. At this time i have not received credit for my overdrafts ( XX/XX/2017 ). From XX/XX/XXXX to XX/XX/XXXX, i called in many times. The reason for my repeated phone calls is that nobody could tell me how soon i would get a resolution. At one point an associate told me that because this is covered by Reg E they dont have a timeframe that they need to resolve this issue ( really? ). I finally told them that i want to file a complaint which only made the situation worst. I was transferred to a very nice associate who was supposed to be able to handle these escalated calls. Unfortunately, she couldnt handle a counterfeit check claim circumstance so she conferenced called me into that area. I was on the phone waiting for at least a half hour before i hung up. She called me back to ask if i hung up and wanted to know if i wanted to start at the beginning of the line again waiting for that other department. i asked her to wait on hold for that department and call me back - she couldnt do that. i asked her to have someone from that department call me back - she couldnt do that either. it seems this person who was supposed to be able to handle escalations couldnt do anything. I finally got my credit for the check on XX/XX/XXXX ( still no credit for overdraft fees ) I realized today i needed to write a check - which i rarely do. i went into the branch and they wanted to charge me {$3.00} for counterchecks. i didnt want to pay that and the associate couldnt waive it so i asked to speak to a manager. i spoke to a very nice man in the wells fargo branch in XXXX delaware who told me that it wasnt stores fault what the back office did and they couldnt waive the {$3.00} ( what? ). I told him that i dont care who im talking to and that its wells fargo 's issue. he finally waived the fee and he submitted a complaint for me but the whole mentality of " not my fault '' was crazy to me. Im not sure what i want out of this except for the fact that in total i have spent about 10 hours on this issue. i still havent received my credit for overdrafts.

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 12/23/2017 about Debt collection (Other debt) with ERC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In early 2016 I discovered a derogatory on my credit from XXXX XXXX XXXX for {$170.00}. I immediately called them and told them I had never had service with them, especially during the time frame they claim. I filed an Identity Theft Claim with the FTC and filed a police report. I proved it by sending them proof that I was in a XXXX XXXX XXXX in Colorado at the time. I later discovered my ex-wife had used my credit to open several accounts ; some she paid and some she did n't. XXXX agreed and immediately removed the entry from my credit from all three credit reporting agencies. Two months later, a derogatory showed up on my credit from XXXX XXXX for the same {$170.00}, who had taken over XXXX and their old receivables. I went through the same drill with them ; they agreed and removed the entry. A few months after that again appeared the same debt for {$170.00} from XXXX XXXX which had taken over XXXX. I went through all of the drill again ; they agreed, and removed it from my credit. A few months later, a collection agency called XXXX XXXX posted the {$170.00} debt as a Collections account. Once again I proved I did n't owe XXXX anything, they agreed and removed the entry. Now last month, I see that another collection agency, XXXX XXXX XXXX has again posted a {$170.00} collection account to my credit. How do I stop this from just keep happening over and over. XXXX claims they long ago had written off the debt and agree I do n't owe them anything. But all of the subsequent companies just keep buying up old a/r lists and put it on people 's credit in hopes that they will get paid off because they are harming said credit. This is just plain extortion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Southwest Recovery Services, Inc. (OK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am applying for a home loan and was informed that there is a collection item on my report. Its is on XXXX. It shows I have a collection item through Southwest Recovery in the amount of XXXX. I have no idea who or what this is. I tried to dispute this through XXXX wed site but was giving a screen that stated that " You have no negative account on file '' and was not allowed to go any further. I called every number I could find for XXXX but was unable to speak to anyone just got info regarding the security preach. I then contacted Southwest Recovery. I spoke with XXXX XXXX and then XXXX XXXX.After spending over an hour on the phone with them.Neither one could find an account with my name, address, phone number or last 4 of my ssn. They did on more than one occasion asked me if I knew a XXXX XXXX. Which I do not. This is the only bad mark on my credit bureau and is stopping me from getting a HUD-184 loan. I do not know what to do next and hope you can help. Name XXXX XXXX XXXX, XXXX Acct # XXXX. SSn. XXXX. Address XXXX XXXX XXXX XXXX. XXXX, OK XXXX The account shows it was reported on XX/XX/XXXX, Opened on XX/XX/XXXX, last active XX/XX/XXXX and reviewed for 6 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX ACCOUNT MUST BE REPORTED AS CLOSED BY CONSUMER. THE DISPUTE FLAG SHOULD BE REMOVED AS THE COMPANY HAS RESPONDED THAT THE DISPUTE HAS BEEN RESOLVED IN MY FAVOR. THEREFORE, MY INFORMATION ON THE ACCOUNT IS BEING INCORRECTLY REPORTED. PLEASE SEE THE COMPANY 'S RESPONSE TO THE CFPB.

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 04/29/2016 about Bank account or service (Other bank product/service) with WEBSTER BANK, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: Ive been trying to close my account for four months, over the phone with customer service, but they always hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: on XX/XX/2017 I join XXXX  XXXX XXXX a Consumer Credit Counseling Service . They sent XXXX store card a proposal to lower my payments and interest and remove all late payments. XXXX continue to report me 30days late every month. They accepted the proposal with the understanding they would receive my payments on the XXXX of each month. I'm trying to increase my credit score. XXXX continue to send negative information to the credit bureau. They continue to show me late. I have contacted them several time and nothing has changed.

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 08-04-2016 about Credit card () with TD BANK US HOLDING COMPANY (TX).
Issue: Delinquent account

Complaint: I setup an automatic pay for my Target credit card starting in XXXX. I was not aware that the payment was not made until XXXX when I received an alert from XXXX XXXX that there was a change in my credit due to a derogatory remark. Target did not attempt to call me, send me an email about a past due amount or send me a letter of the delinquency. I am setup for email alerts and was not notified of any past due. I have never requested to not be contacted. I only received my regular electronic statement letter which did not indicate there was an issue in the subject, it looked like any other regular statement notification I received with Target. I would have not known that the payment was not coming out until I was notified by XXXX XXXX there was an issue with my credit report. As soon as I saw the XXXX XXXX report, I paid in full. I called target but they said they could not help with any credit reporting. My account reflected the derogatory remark for the month of XXXX and XXXX even though the account was paid in full in XXXX. I think it is unfair for a consumer to never be notified of a delinquent amount or have their credit reported if there was no actual attempt to collect a debt. And if they are allowed to report the credit without attempting to collect debt, why was my account negatively reflected for XXXX and not showing paid off? Target customer service could not help or answer these questions. They said I should reach out to a credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NV).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Keep calling mother, employer, and former spouse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2018 about Payday loan, title loan, or personal loan (Payday loan) with Rosebud Economic Development Corporation (WA).
Issue: Loan payment wasn't credited to your account

Complaint: XXXX is not licensed to practice business in the state Washington. Illegal loan interests ( approx 700 % ). I had two loans. 1st {$500.00} and 2nd {$300.00}. I was looking to have my 1st loan with intetest and principal amount refunded because loan was fradulent. I requested {$1500.00}. I contacted the XXXX XXXX loan manager via email several occasions. Beginning XX/XX/XXXX through XX/XX/XXXX. XXXX only refunded {$51.00} from the second loan and paid the loan in full.

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 06/15/2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (AZ).
Issue: Trouble during payment process

Complaint: We requested an appraisal to be completed in order to rem ove the Private Mortgage Insurance on our loan. The appraisal was ordered and when the appraiser came to do the appraiser he made comments such as " expect my appraisal to be significantly lower than what you expect '' among other inappropriate comments. Once the appraisal was received the amount was significantly lower than expected. Upon review of the appraisal it was realized the   appraiser made significant errors during the appraisal. This included inputting the incorrect number of bedrooms and the incorrect square footage of the house. These errors had a direct impact of our house not appraising for the appropriate amount. I contacted US Bank to dispute the appraisal. I followed their protocol for the dispute and they had me send in documentation to show why the value was incorrect. I sent in nearly 30 pages of documents including proof the bedrooms and square footage were incorrect as well as other comparable homes in the area that were more appropriate to use for comparison value. US Bank then rejected my dispute and simply reiterated that the appraisal was correct and the value stands. They said that I sent in too much documentation for them to review. I then called them and showed them in the appraisal where the appraiser had incorrect data. They agreed the information was wrong in the appraisal, however they said that once one dispute was done there was n't anything else they could do and the value stands even though there were errors in the appraisal. I attempted to escalate this and was told the only thing they could do was send this to the " independent third party '' company who handles their appraisal process and see if they would override the value. I did research into this company and they are wholly owned by US Bank. I was told I would receive communication about this process and never did. When I reach out now I am told the case is closed due to only one dispute being allowed.

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 03-08-2016 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Delinquent account

Complaint: I have or had XXXX Chase credit cards XX/XX/XXXX a master card and visa card that was sold to XXXX collection company. I went to court in XX/XX/XXXX and again in XX/XX/XXXX for both. The attorney did say he will dismiss the accounts that day. And they still put both into judgement even though I did appear in the courthouse. Since then I received from Chase a letter for the Master card saying they discharged it and I filed my tax papers for it, that was in XX/XX/XXXX. My Visa card is still showing a judgement and was sold to another collection company as of this year. No letter from XXXX about them selling the visa account. As of yesterday I received a letter from Chase Master Card advising me about collections Litigations and that they will no longer collect on the account. Why did they not included the Visa account as part of the ro-bo collections of the time in question? I am still not gainful employed do to being a caretaker to both parents since that same time. 
Please advise me as to my next step. Or my next step will have to be chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (MA).
Issue: Credit decision / Underwriting

Complaint: I applied for a HAMP loan modification with the help of folks at the NeighborWorks HomeOwnership Center of Central MA. The papers were all submitted 14 days prior to a scheduled auction. SLS is refusing to review my application, and insists on moving forward with the application. It was my understanding that as a HAMP servicer, SLS needed the paperwork 7 days before an auction. Our situation has improved, we have solid income, my counselor tells me that the math works, I just need SLS to review my application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Credit card) with Alliance Data Card Services (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I believe I have paid this off already. I will need to track my bank statements. I would like to know what company this is from. If I 'm not mistaken this should have been a   XXXX   XXXX   credit card which I have paid off. My credit report is showing this is in collections and still open.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (LA).
Issue: Credit decision / Underwriting

Complaint: My wife and I did a deed in lieu of foreclosure back XX/XX/XXXX. The account was closed XX/XX/XXXX and our credit reports reflects that as well. But as we have recently applied for a mortgage, we 've noticed that the old mortgage company XXXX Nationstar Mortgage XXXX is now reporting on our credit file that the account has late payments in XX/XX/XXXX ... even though the account was closed XX/XX/XXXX. I have all the documents supporting the successful close of the deed in lieu with a XXXX balance. Myself, my current mortgage rep, and the credit bureau attempted several times to call Nationstar Mtg to resolve this issue but we were unsuccessful in our attempts, as they blew us off each time. What can I do? This is holding us up terribly from buying another home ... after we 've rebuilt our credit. We 've put down earnest money as well as had a home inspection done. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is continuing to report inaccurate information on my credit file. There are XXXX state tax liens that are satisfied and paid. XXXX # XXXX XXXX Co Court {$42000.00} # XXXX XXXX County Court for the amount of {$44000.00}. I have never owed these amount. Equifax is still showing a balance due on these state tax lien. 
According to FCRA 611 ( a ) if consumer reporting agency can not validate the information in their files or to furnish the source of their information, the credit reporting agency must deleted immediate from consumer file. After many attempts to get information from Equifax to provide me with their source I have yet to received anything. And although it shows a balance on accounts it also preventing me to buy a home for my family and also allow me to obtain a promotion form my job.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Santander is trying to collect a debt and reporting negative information to my credit report for an account that that been paid in full by XXXX XXXX auto insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Mortgage (Conventional fixed mortgage) with IBERIABANK (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Recently I was told by IberiaMortgage that I would no longer receive a monthly mortgage statement. ( I have had a mortgage in one form or another for over 20 years! ) I called to confirm this and they did just that. The email I got from them was short and to the point : XXXX XXXX, We have stopped completing the Monthly Statements. 
Thank You XXXX XXXX IberiaBank Mortgage Company XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, AR XXXX Phone : XXXX Desk Phone : XXXX Fax No. XXXX It seems that there are regulations requiring the bank to send a monthly statement. Could you please help me with this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Managing the loan or lease

Complaint: In XXXX of 2014 our automatic payment to Capital One Auto Finance was declined by our bank because of insufficient funds. We completely were blissfully unaware. We did n't receive notice from them ( Cap One ) - but to be fair, we are paperless. So our regular XXXX payment was actually applied to XXXX. Then XXXX to XXXX and so on. We went along like this until XXXX when we were denied a mortgage refinance. We rectified the mistake, but still have XXXX, 30-day late consecutive payments. We do n't think this is reflective of our credit-worthiness as we were unaware that our payments were late. They made no contact with us. 

We submitted a letter requesting a goodwill removal on our credit reports, but we were denied because the reporting was accurate. However, without notice, we were compunding a simple error into an overwhelming XXXX. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX XXXX, XXXX or XXXX has n't updated my credit report with my new address and phone number. I want XXXX XXXX, XXXX and XXXX to update my credit report and public records with my new address and phone number which is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX. I want a statement added to my credit report. I want the statement to read the following : Before creditors issue any credit in my name, they must call and verify it with me at : 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