milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NC).
Issue: Trouble during payment process

Complaint: In XXXX 2017 I increased my direct draft amount from the min monthly pmt to the next whole {$100.00} 's to add a little bit on the principle payment each month. On XXXX first the larger payment was drafted from my checking account and has successfully drafted on the XXXX and XXXX each month since ( XXXX, XXXX, XXXX, and XXXX ). On XX/XX/XXXX an employee miss applied one of those drafts as a payment all on principle. Since that time the company has called me several times at the beginning of the month and around the XXXX of the month to notify me that my mortgage payment is late. The phone calls began onXX/XX/XXXX. I worked with the caller on the XXXX to identify what the problem was and was told that the error was on their part and that they would fix the application of that payment on XX/XX/XXXX and there would be no further action needed by me. Then XX/XX/XXXXcame and so did more late payment collection calls. Again I went round and round with the customer service department and called back several times the first week in XXXX to get this resolved. I thought it was done until the calls started again on XX/XX/XXXX. Again I explained the problem, the rep looked at the acct history and again I was assured that the problem would be fixed. The XXXX calls actually started on XX/XX/XXXX this time and I was assured by several customer service reps and supervisors that the issue would be resolved, they had expedited the problem up the chain of command and the rep would call me back on Monday to update me on the progress of the resolution. It is now Thursday,XX/XX/XXXX and the rep will not take my calls and when another rep asked her for an update she told them that she did n't have anything to tell me yet so she did n't need to actually speak to me. I have a letter datedXX/XX/XXXX, the day after I was assured the problem would be resolved, stating that my payment is late and " As required by law, we may report .... to the credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. '' This problem and " late payment '' is not my fault and it is just shy of 2 months since the company miss applied my payment causing me to be late. I need help to get this resolved please.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (Medical debt) with AR Resources, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have written to AR Resources to have them validate a debt they are negatively reporting on my credit files with all credit reporting agencies. I have not received said validation. I was simply mailed a hospital bill that was not itemized as to what the charges were for. I believe my HIPPA rights have been violated as I never authorized any entity to disclose my personal medical information to a third party. AR Resources has been reporting negative information to my credit files and I have asked them to delete this information as they have not provided validation of the debt they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Credit card debt) with The Bureaus, Inc. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been trying to contact The Bureaus, Inc. for several months about repayment of my debt held by them ; I first attempted to contact them on XX/XX/XXXX, and I got a voicemail which said my call would be returned based on the message I was asked to leave ; my call was never returned. I attempted to call again on XX/XX/XXXX, but was met with the same results. On XX/XX/XXXX, I called a third time, again got a voicemail and left a message ; this time, someone returned my call, but I was not able to speak with them at length at that time. We set a time for them to call again the next day, but the call never came. On XX/XX/XXXX, I received a letter from XXXX XXXX stating that The Bureaus, Inc. had sold my debt to them, indicating it was because their attempts to collect on the debt were unsuccessful ; this is false, as I called three times over several months and either no one was willing to speak to me or my calls were not returned as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have my student loans through Navient. When I called about options to pay less on my student loans, the only XXXX options they gave me were to either pay them or enroll in school to put them into in-school deferment. I already pay them {$500.00} a month and with some loans coming out of foreberance, my monthly payment was going up to {$800.00} a month, which is impossible with my income and other debt that was accumulated during school like credit cards. I just do n't feel I was given any options to repay. I do n't agree with them telling me to enroll in school again in order to not pay on my current loans and would then acquire more loans and really not be able to pay them. I ca n't stay in school forever.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Deposits and withdrawals

Complaint: In XXXX XXXX I found out that more than {$16000.00} had been transferred to my sons ' linked accounts from my Checking account. It had happened over more than 3 months starting in XXXX XXXX. USAA said that since the money was moved into both sons ' accounts that this was my problem to sort out with my sons. They sent me a form letter stating that they closed the investigation. But they did not provide me with an answer to how such a sum of money was moved from my account to my sons ' account without my PIN number on so many transactions over that time. I had changed my PIN several times because of difficulty I was having accessing the account online. They said they would elevate the complaint about 2 weeks ago and that they would be back to me in 3 days but I have heard nothing since. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I am trying to file a dispute with Experian. I am having a problem submitting a particular account for verification with Experian. 

The account is XXXX / XXXX XXXX for the state of Washington. They are reporting a late payment for XX/XX/XXXX. 

When I attempt to dispute the account online, the system is telling me that they wo n't dispute the item since it was verified as accurate in XXXX. I am disputing a late payment in XX/XX/XXXX. So Experian is saying I disputed a late payment in XXXX back in XXXX? How would I have known this payment was going to be late at the time? 

When I attempt to call Experian, the system says I can not talk to a person. The system tells me that I need to send my request in writing. I am paying {$29.00} a month for their credit monitoring service. I should have the ability to talk to somebody about my account. There is absolutely no reason why I should not be able to talk to a person at Experian about this. 

I attempted to contact another telephone number at Experian. Once I verify my identity, the IVR says it is transferring me, then I get two beeps and it hangs up on me. 

The dispute is simple. The XX/XX/XXXX payment was made on XX/XX/XXXX. This payment was not late. I can supply documentation in the form of payment history to support this.

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 04/21/2017 about Debt collection (I do not know) with KelKris Associates Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I do not know who these people are. I never had any notice of any debt from them. Credit Bureau Associates is in violation of the fair debt collection practice act.     Specific violations  are 15 U.S. Code 1692c - Commu nication in connection with debt collecti on ( a ) Communication w ith the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt coll ector may not  communicate with a consumer in connection with the collection of any debt -- You did not have prior consent directly given to you by me, the consumer or you did not receive express permission of a ny court of competent jurisdiction to communicate with me, the consumer. You have also violated the fair credit reporting act. 15 U.S. Code 1681

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX I became XXXX and approved on XXXX XXXX. XXXX XXXX foreclosure avoided, renegotiated loan with Bayview Loan servicing. House appraised at {$71000.00}. I got the house back for {$100000.00} with {$45000.00} pushed back to end of loan so I could qualify and make mortgage payments. Bayview officer came to my home to sign one document. 
XXXX XXXX XXXX I applied for mortgage susp for XXXX months to do repairs after Irma. Bayview responded  by selling mortgage to XXXX servicing and no suspention of payments. XXXX rep refused susp of payments. 
XXXX servicing read the contract to me over the phone and sent a copy. I have never seen or agreed to part two of contract. They are adding {$45000.00} to the loan for late fees and interest that were waived in renegotiation. 
Back in XXXX I had a choice between taking a {$30000.00} payment and moving or to renegotiate loan. There is no way I would pay twice the value of the house. That 's why it was reappraised.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Application, originator, mortgage broker

Complaint: XXXX, XXXX and XXXX will not update my VA Loan with Wells Fargo. They have no data and has caused a XXXX to XXXX point loss in my credit score.

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 05/26/2015 about Consumer Loan (Personal line of credit) with CITIBANK, N.A. (FL).
Issue: Account terms and changes

Complaint: I have had a long standing, perfect pay history, line of credit with Citibank. It is important to maintain a good credit score and I monitor mine. Citibank pulled out of Texas and sold all branches to XXXX XXXX XXXX. As a result, my 8 year, perfect standing, on-time payments, very low balance, line of credit with Citibank was closed and moved to XXXX XXXX XXXX. The problem is that XXXX XXXX XXXX now shows a new line of credit. The CFPB should dictate that when banks move accounts between each other, the acquiring bank must use the original open date of the credit / loan. The time the loan is open, on-time payments, and low percentage outstanding all contribute to a higher credit score. With NO action on the consumer 's part, my credit score went down by over XXXX points month-over-month because the several positives with Citibank, became slight negatives with XXXX XXXX XXXX ( new credit, new credit inquiry, no payment history ). No other changes occurred on my credit reports ( except slightly lower balances on month-end cycles on XXXX credit cards as compared to previous month - which should have resulted in an increased credit score ). In my case, my excellent credit rating went down to good but many other consumers would have been more detrimentally impacted. This is an opportunity for the CFPB to make the banks change their account conversion / account acquisition practices, and methods to not negatively impact the consumer. Of course the consumer credit score effects the rating and interest rate on new credit, extension of credit, etc. This complaint should be directed against both Citibank and XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Debt collection (I do not know) with Miller, Stark, Klein and Associates (NE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: As of XXXX, this company is calling me and asking for a debt ( from a decade ago, when I was a minor ) that I do not owe as I paid it off years ago. They are calling me repeatedly and not giving much information other than the amount of the supposed " debt '' ( thousands of dollars, which is n't remotely near the original debt ). I 've asked them to prove that the debt is owed, and they sent me an email. I mailed them a debt validation request to which they have not responded. Instead, they just keep calling. 

They are called Miller Stark Klein and Associates. It 's the belief of me ( and hundreds of others, per my research ) that they are illegitimate. Most of their positive reviews seem to be made up. I do n't understand how they are allowed to remain in business considering that they are threatening people with legal action without having even sent anything in the mail. 

Although XXXX the company name returns an address and phone number, XXXX the address does NOT turn up their company name, and XXXX the phone number turns up mostly consumer complaints. 

A XXXX search shows that this company has the same complaint from other consumers, and numerous BBB complaints. Not sure how they are allowed to remain in business. I worry too that they 'll just sell off my information to another shady or fake " debt collector, '' and the cycle will continue. 

Here 's one source of complaints : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit card () with REGIONS FINANCIAL CORPORATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Regions Bank, I am submitting a claim on my credit card because I have been scammed. 
I was lead to believe they were going to help me with a Federal Grant. I was going to try to help out my sister because she has been out of work for several months, help my son get a business started, etc. They have pulled funds from my account using the following information : XXXX/XXXX/2016 XXXX XXXX XXXX {$6000.00} XXXX/XXXX/2016 XXXX XXXX XXXX {$4000.00} XXXX/XXXX/2016 XXXX XXXX XXXX. {$5000.00} XXXX/XXXX/2016 XXXX XXXX XXXX {$4000.00} XXXX/XXXX/2016 XXXX XXXX XXXX {$6000.00} XXXX/XXXX/2016 XXXX XXXX XXXX. {$3000.00} XXXX/XXXX/2016 XXXX XXXX {$4000.00} XXXX/XXXX/2016 XXXX XXXX XXXX. {$5000.00} Please reverse these charges as I do not except these charges. Please help me.

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 01/21/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (PA).
Issue: Unauthorized transactions or other transaction problem

Complaint: Funds were taken out of two of my checking accounts. One account {$900.00} was taken. The other account {$300.00} was taken. Funds were deposited into Coinbase without permission. Funds wrrethen transferred to an unknown address.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In regards to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX. I filed for a late payment verification over the phone and thru certified mail. Both times came back as verified accurate. When I made on time payments and never missed but XXXX XXXX continues to report inaccurately, I 've asked them to show me proof and validate there late payment claim, when I paid on time and there 's no records. When I have asked to see - they have never shown me. I 'm so upset that I know no other remedy but to file a complaint about this situation, apparently they had a system glitch around that time or human error was made on there part and they will not remove the late payment.

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 07/16/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CO).
Issue: Wrong amount charged or received

Complaint: On XXXX XXXX 2015, I made a money transfer ofr {$100.00} through Western Union to XXXX. Western Union gave me an exchange rate of XXXX XXXX to the dollar. I later found out that the exchange rate at the time of this transfer, was XXXX XXXX to the dollar. This means I was ripped off to the tune of XXXX XXXX at the point of exchange. 
Millions of XXXX immigrants, remit money to families to the tune of millions in a day and Western Union charges fees for these services. To shortchange customers in addition to these fees, is unconscionable and a fraud. 
1. I am requesting an investigation of this transfer and countless others transmitted by Western Union. 
2. I am demanding a refund or transfer of the balance unpaid. XXXX XXXX. 
3. Western Union to be compelled to remit funds in XXXX dollars or at exactly the exchange rate in the country where money was transferred to. 
4. Western Union is to be made to pay restitution to everyone cheated in this manner. 

Transfer completed at XXXX XXXX XXXX XXXX XXXX XXXX Co XXXXTracking Number XXXX

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 Experian Information Solutions Inc. (NY).
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 am submitting proof from XXXX credit reporting agency to show that they did a proper investigation in a issue I am having with experian credit reporting agency and XXXX  credit reporting agency. There are XXXX accounts I have been disputing for months now that do not belong on my credit reports. Experian and XXXX are not fixing the problem. If XXXX received to delete these XXXX accounts then experian and XXXX should be receiving the same response. I feel they are not investing my disputes or they would have received confirmation to delete these XXXX accounts off my 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 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: In the years XXXX there were four cases in which I attempted to file for bankruptcy. The cases were all dismissed. I was having trouble with my husband and property we had together in which it financially draining to me. During that time we attempted to file, but never had the proper paperwork to get it started. It never went to court, a case was never filed. Nothing. Since 2015 I have attempted to write XXXX and have them investigate and have this deleted off my records. After reading the FCRA I found that they were in violation, because they were reporting something inaccurately. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they had no right to maintain information which the government has deemed nonexistent.
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they were obligated to delete this information from my credit report and send me an updated copy when this action is completed. 

I wrote them and made them aware of this information and they blatantly ignored my request. I even provided them documentation that the bankruptcies were dismissed. Again, nothing. They were kind enough to send me a new copy of my report that stated that they would be keeping the bankruptcies on my report. 

I am filing a complaint because they are going against my rights as a consumer.

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 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened a student loan in XXXX 2013 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$6900.00}????

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 09/25/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Well for XXXX years i been trying to get my credit report and it 's ask me some questions and i answer no on them cause they do n't apply to me cause i never had a car loan or try to get a car loan and i never had a montage loan either. So i said no and it would n't give me my credit score. Its saying that my info is not matching with my social security number. I do n't know what to do any more. I need help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief