milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with First Data Corporation (CA).
Issue: Other service problem

Complaint: Dear  Sirs, O ur company who name is    XXXX   XXXX   XXXX  , we  are a wholesaler and importer in  XXXX   XXXX , California over 19 years. We use the credit card merchant service from  First Data  under the contract ( account #  XXXX   ) s ince   XXXX   XXXX   until now.     Bu t First Data ha s increased the retail rate under our account without notifying and have over charged too much from our account during  XX/XX/XXXX - XX/XX/XXXX .The monthly statement  of First Data provided to us witho ut full detail which kind of credit card/retail rate and amount of charge /service fee of each transaction and each date always.     We have not got full detail of monthly statements of    XXXX   XXXX  -  XXXX   a nd over charge amount from First Data still after  over 40 days  difficult negotiate with   XXXX   XXXX  /  XXXX   XXXX  /  XXXX   XXXX  /  XXXX   XXXX   of  First Data  since   XXXX   XXXX   until today.     According to the program guide, accompanying the merchant application and agreement between  XXXX   XXXX   XXXX  and  First Data : Sub ject to section  XXXX , we als o may increase our fees or add new fees for services for any reason at any time, by notifying you twenty ( 20 ) day 's prior.      It is our right that  XXXX   XXXX   XXXX  as a senior and value customer of  First Data to know full detail of charge of each transaction/each date and get back full   amount of over charge from monthly statements which kind of credit card/retail rate and amount of charge/service fee during    XXXX   XXXX  -  XXXX   w hich all in  one page from First Data base on our retail rate have been increased and have been over charge our account without any notifying by First Data.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 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: I CONTACTED THE COMPANY XXXX XXXX XXXX ON XX/XX/XXXX REGARDING THE ACCOUNT INFORMATION BEING REPORTED ON MY CREDIT REPORT ALL THREE CREDIT BUREAUS HAVE SENT LETTERS SAYING THAT THE INFORMATION WAS VERIFIRED AND ACCURATE ACCORDING TO THE FCRA. I SPOKE WITH CUSTOMER SERVICE REGARDING ACCOUNT # XXXX AND WAS TOLD THAT THE ACCOUNT WAS PAID IN FULL BUT WAS CONSIDERED A CHARGE OFF BECAUSE IT WAS NOT PAID WITHIN THE AMOUNT OF TIME FOR THE CONTRACT. THIS HOWEVER IS INCORRECT INFORMATION IT REPORTS THAT THE CONTRACT STARTED ON XX/XX/XXXX. BUT IN THE CONTRACT IT IN FACT STATES THAT THE CONTRACT BEGAN ON XX/XX/XXXX. REPORTED TO THE CREDIT BUREAU IS AMOUNT OF XXXX BUT, IN SAID CONTRACT THE AMOUNT IS XXXX. THE COMPANY FAILED TO REPORT THAT THERE WAS A SWITCH IN VEHICLES AND DID NOT UPDATE THE CONTRACT TO REFLECT THE NEW VEHICLE OR THE NEW CONTRACT. ALL INFORMATION BEING REPORTED IS FOR A TOTALLY DIFFERENT VEHICLE IN WHICH I DID NOT OWN. HOW DID THE CRA NOT CATCH THIS INACCURATE REPORTING OF DETAILS? THERE WAS NOT A PROPER INVESTIGATION CONDUCTED OR IT WOULD HAVE BEEN CAUGHT.MY CR SHOWS A CHARGE OFF OF XXXX BUT THERE WAS A REFUND SENT AFTER THE END OF THE CONTRACT WITH 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 non-monetary relief
Consumer complaint received 06-10-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Here is what has been reporting on my equifax credit report : Type of account : open ( incorrect information ) Date opened : XXXX/XXXX/2012 ( as per XXXX XXXX and XXXX records and XXXX XXXX Bank, the account was bought on XX/XX/XXXX,2012, then the initial notification letter did not go out until XX/XX/XXXX,2012, this is well beyond XXXX days after XXXX started furnishing negative information in my credit report without my knowledge. This is a clear violation of regulations. ) The due balance was also being misstated. I have tried to get the record straight multiple times and no official verification or proof of documents come from XXXX and still my credit report keeps getting the bad end. I demand full deletion of credit line from all credit bureaus before I commence the legal battle on this.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Checking or savings account (Checking account) with TCF NATIONAL BANK (IL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Tcf bank,,, i had XXXX in my checking account i purchased a item for XXXX i was debit XXXX the bank charged me 6 overdraft fees at XXXX each for a total of XXXX because previous charges started posting to my account from merchants but the money was allready deducted from my checking account from the the bank itself, why am i being charged fees for items that are posting but allreay being withheld from me this is a serious act of fraud by the bank and needs to be addressed immediatly.

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 10/29/2017 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Trouble during payment process

Complaint: Loan xxxxxxxxx. I am a XXXX XXXX XXXX military veteran. 
Texas and XXXX XXXX provide a tax benefit to veterans on their home, homestead, etc. My loan was acquired by pennymac around XXXX XXXX. I have been fighting with them since then to add my exemption around XXXX. Ever since XXXX has taken the loan I have been unable to get the exemption and XXXX has now sent me a letter saying that my escrow is low and they want more money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Consumer Loan (Vehicle loan) with Automobile Acceptance Corporation (GA).
Issue: Managing the loan or lease

Complaint: I am currently making payments to Automobile Acceptance Corporation. After falling 31 days behind on my payments the unit was placed out for repo. Prior to this occurring their represents called my phone 3 times a day even after I told them when I would be able to make my payment. They even sent emails to a family member regarding my loan They called after I made arrangements. They also contacted my relatives everyday. After the vehicle was place out for repo, a representative contacted my cousin and refused to identify himself. He made threatening statements which included that Automobile Acceptance Corporation is seeking a warrant for my arrest. They disclosed my personal information withour verify who she really was and threaten to take me to jail over a debt. I contacted Automobile acceptance and the rep refused to let me speak with a supervisor. They kept transferring me to the repo department which never answered the phone. The line would go straight to a voicemail. I called back and advised the rep that I just needed my account number to make a payment. I was told that they could not give me teh account number unless I spoke with someone in the repo department ( whom never picked up the phone ). I am filing a complaint for disclosing my personal information, making threats to jail me for a debt and refusing to allow me to make a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Debt collection (Medical debt) with Aargon Agency, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: My brother XXXX XXXX has been stealing my identity for over 10 years. He has used my identity to receive medical services and anytime he was arrested. This has caused a great amount of stress, as each time it has happened I have to file a police report, take time off of work to go to court to prove that it was not me that committed a crime and having to call each debt collector to fix these issues. 

XXXX received services from XXXX XXXX using my name and SSN and I got a collection letter 3 years later for this. I have called Argon to explain this and mailed a letter to them with my filed and they have yet to provide me with the medical bill or any further proof that it was indeed 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 explanation
Consumer complaint received 01-03-2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I tried to work with my mortgage company in order to save my home and to lower my mortgage. Upon review they were unable to assistant me. I went to XXXX to get assistance and they have been trying to assist me but the mortgage company will not responded to them. XXXX submitted my file to the mortgage company XX/XX/XXXX and nothing has been done. I was advised by XXXX to file a complaint with you. I am currently XXXX months behind and I am trying to get this resolved.

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 04-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Opened XXXX XXXX XXXX account with Barclays Bank Delaware transfer balance in XX/XX/XXXX. 
XX/XX/XXXX : Minimum payment {$180.00}, I paid $ XXXX $ XXXX monthly but the balance was going up not down ( even during months no purchases were made ). 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Fees charges ( not purchases ) put card over the limit although higher payments made monthly. contacted Barclays to discuss the option of lowering interest rate, question fees that brought card close to limit, refused to work with customer in good standing, never missed a payment, and always paid more than the minimum. Balance was {$6800.00}. 
XX/XX/XXXX : representative said the company would only work out a payment agreement with customers who were late on payments. 
XX/XX/XXXX : contacted XXXX XXXX XXXX  to work on settlement or payment agreement. They refused to lower interest or settle account. They suggested continue to call, they would be more inclined to agree to settle before it went to collections. I closed the account and disputed charges for over the limit fees which caused additional fees. I received a letter stating account was closed amount owed {$7200.00}, no further charges would be added while dispute was pending. 
XX/XX/XXXX-XX/XX/XXXX : Continued to contact company monthly, they continued to add fees and subsequent over the limit charges, and additional fees. 
XX/XX/XXXX-XX/XX/XXXX : Continued to speak with Barclays, again offered to settle original amount owed, minus fees. 
XX/XX/XXXX : They have sold the account and report monthly to credit bureau. Barclays Bank Delaware does not have record of our conversations and are unwilling to work with me to resolve the issue. XXXX XXXX XXXX is in charge of collections, but will not report to bureaus. XXXX will accept settlement, but will not remove it from the report. 
I tried repeatedly to resolve and come to good standing with Barclays card. Never had a late payment until XX/XX/XXXX when trying to work with them to remove the over-limit fees. They continued to charge fees past the time account was closed and involved in dispute.

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 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We applied for Non Owner Occupied Loan Modification program with Bank of America in XXXX and after Trial Period of three months XXXX, XXXX and XXXX our loan modification was approved. 
Few months later we found out that Bank of America reported our payments for three months trial period as late to all credit bureaus, which as a serious delinquency caused our credit scores to go down 60 points. 
We made our payments on time before and during modification period. Please see attached history of payments. During trial period we were asked to pay different amount instead of our existing monthly home equity payment. Please see attached BofA letter from XXXX XXXX, XXXX and FAQ. 
According to BofA letter from XXXX XXXX, XXXX " During the trial period loans that were up to date at the start of the trial period will continue to be reported as up to date as long as customers make trial periods on time. " Please see attached. 
Since we were current with our payments before and during trial period BofA had no right to report us being late and ruin our credit. We ask BofA to correct their mistake.

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 02/23/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (SC).
Issue: Settlement process and costs

Complaint: Nine months ago my loan was modified. I have made monthly payments since then, which all are reflected in statements. However, despite my numerous requests, the servicer which handled the modification has yet to send me a copy of the modification document with the proper signatures for the lender on it ( I have a copy with only my signature ), nor has it recorded this loan at the Register of Deeds for my county and, importantly, it has not yet recorded the satisfaction of the loan which this one replaced. 

The servicer is Nationstar. 

I first asked for a modification, in writing, in early XX/XX/XXXX. I was current on payments and my credit score was excellent. I was then asked to submit repeated applications for HAMP, the process for each application being extended by their requests for an additional piece of information every week or two - until two to three months elapsed - and then being told that the initial application was " out-of-date '' and I would have to submit a new one. This occurred about 12 times over a 30 month period. 

Eventually, I sent a XXXX letter to the CEO and several months later recieved the offer of a modification - with mathematical and other errors in it. After I did the math for them, they sent new paperwork, I signed and returned it XX/XX/XXXX, and was notified of the new state of my account and began to make payments. 

I believe it is my legal right to have a copy of the loan with this modification, to have the modified loan recorded legally, and to have the document with the previous loan terms be recorded as satisfied or whatever would communicate publicly that it is no longer valid, and to have these matters accomplished in a timely manner without further harming my credit rating. Almost 10 months have passed with none of those being done, even though I have asked repeatedly for them to do so. 

Nationstar has also blocked me from using my online account for payments because I am pursuing a remedy in the courts for the violations of my rights and damages done to my credit rating. I believe that blocking is a violation of my rights as well. 

Note : the question below - which part of the mortgage process is my issue related to? - does not have an option that exactly fits my situation. I chose " signing the agreement '' because I have not received a copy with their signatures on it, even though I have been making payments and have statements reflecting the modified amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Payday loan debt) with National Credit Adjusters, LLC (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving repeat phone calls with no voicemail. There are numerous variations of phone number calling me three to six times a day. The phone numbers start with XXXX They call while I am at work. I did call back one of the numbers and I heard a recording that it was a debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I SPOKE WAS XXXX XXXX XXXX SHE CAME INTO THE XXXX DISTRICT OFFICE WHO WISHED TO MAKE A FRAUD REPORT. 

XXXX XXXX RECENTLY OBTAINED HER CREDIT REPORTS AND THERE WAS TWO FRAUDULENT ACCOUNTS OPENED IN HER NAME WITHOUT CONSENT ( XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX ) XXXX ADVISED ME THAT SHE CONTACTED THE CREDIT BUREAUS AND FRAUDULENT CREDITORS NAMED ON HER CREDIT REPORT. 

THE FRAUDULENT COMPANIES ADVISED HER TO GET THIS POLICE REPORT SO THE FRAUD CAN STOP. 
THE CREDIT BUREAUS ADVISED HER TO SEND POLICE REPORT TO THEM ALSO. I ADVISED HER TO PLACE A FRAUD ALERT ON HER PERSONAL INFORMATION JUST TO BE SAFE. 

I PROVIDED XXXX XXXX WITH THE CASE CARD OF THIS REPORT FOR HER 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 06-02-2016 about Bank account or service (Other bank product/service) with Fidelity National Information Services, Inc. (FNIS) (NJ).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX I submitted a check for payment of merchandise in the amount of {$110.00} to XXXX XXXX. The company that they use to authorize checks, Certegy, refused to authorize the check and told the cashier she could not give a reason and told her to tell me to call my bank. Called my bank on XXXX XXXX. They explained they have nothing to do with this and it never came in to XXXX XXXX XXXX XXXX. Called Certegy ( see online they had a fine of XXXX dollars against them in XX/XX/XXXX ). They told me it had nothing to do with my credit or anything to do with me. It was their computer model. Their programmers seem to be incompetent. How many other people has this happened to. I have a debit card from my business account but I did n't want to use my business account for this purchase. I have excellent credit. Certegy is denying people with no history of bounced or bad checks for no good reason.

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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (MN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Credit card balance was paid in full in  XXXX   2015,   however on credit report still show as not paid.

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 02/23/2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Trouble during payment process

Complaint: I have asked why since XX/XX/XXXX that my payments {$800.00} started to increase greatly, to XX/XX/XXXX XXXX Each time I ask to refinace or ask about the HAMP or any other way that would help. I am told i don't qualify. I am told taxes and insurance are the reasons. 
I asked they send me itemized statements that included the statements they receive from my home owners insurance company and my local tax office. 
I send {$50.00} more each month than what is due. I am asking that someone please audit. They sent my tax mortgage statement and then another due to an error.

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 04-06-2016 about Debt collection (Credit card) with COMMERCE BANK (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Still reported missing payments in XXXX after it was discharged in BK in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Flagstar Bank denied me a loan modification or hardship. I was unemployed for almost 2 years and tried to get loan modification and did n't hear from them and when I did I was always missing documents even though I did send them. No emails, No phones call and especially no help from them to work something out. It seen they just wanted me to get more in the hole so I could lose my house. I file for bankruptcy to tried and save my house and the fell into XXXX do to a work injury. First my Job relocated and that cut my income and then XXXX I should been eligible for a hardship plan never got the opportunity. I was part of the loan modification lawsuit that they had. My mortgage has an equity of over {$100000.00} thats the reason why they want me to loose my house. I 'm ready to make payments now got a job. Since they always gave me the run around I deserve a second chance they have nothing to loose with my equity and they broke the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation