milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (LA).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX I lost my job. I was not able to find another job before my note was due in XX/XX/XXXX. XX/XX/XXXX came and went and still was not able to find a job. XX/XX/XXXX I was force to file chapter XXXX. At the time of filing Chapter XXXX I was due for XX/XX/XXXX through XX/XX/XXXX. My payments was XXXX due to the loan modification XX/XX/XXXX. My arrearage was {$1100.00} at the time of filing Chapter XXXX. The amount I paid to my prior and current servicer was {$9500.00}. In my proof of claim that was filed it stated I was {$1100.00} arrears ( included ). I want to know what is the pre-petition payment, plus fees and costs that total arrearage of {$9500.00}? In my loan modification that was complete XX/XX/XXXX page 2 parg. 3 B it states The modified principal balance of my note will include all amounts and arrearages that will be past due a of the modification effective date ( including unpaid and deferred interest, fees, escrow advances and other costs, but excluding unpaid late charges, collectively, unpaid amounts ) less any amount paid to the lender but not previously credited to my Loan. With this being say anything that I was in the arrearage for prior to XX/XX/XXXX was modified. I want to know where was this money was applied? I want a break down of the pre-petition payment, plus fees and costs that total arrearage of {$9500.00}? I want a copy of there proof of claim. I will enclose the Loan modification, Chapter XXXX filing I have circle the arrears amount, letter fro XXXX that my loan was modifiedXX/XX/XXXX. Also a break down fee sheet from XXXX on my account from the prior modification to XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My XXXX says that I have XXXX missed payments from my student loans during a time Peorid where I had not even started to pay them off yet because I was still in school. I want to get rid of the missed payment marks on my credit.

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 07/28/2016 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: was involved in a accident at work and employer agreed to pay medical bills. This is a outstanding bill from that accident.

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 05/14/2017 about Debt collection (Medical debt) with Frost-Arnett Company (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX   XXXX   XXXX  contacted me by phone about {$75.00} I owed them. I could not recall the visit and I get a lot of scam phone calls from companies claiming I owe them money. I asked  XXXX   XXXX   XXXX  to send written verification of the debt, which I am sure I am entitled to get.  XXXX   XXXX   XXXX  would not send written proof of the debt but instead turned it over to Frost-Arnett Company, The Collection Company. I am writing to dispute the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I made a banking online payment to XXXX for XX/XX/2016, and XX/XX/2016. My bank, XXXX XXXX XXXX returned the 2 mortgage payments to my acct stating there had been an address error in delivering the 2 payments. By the time I got the monies back in my acct, and paid the 2 payments, it was late, XX/XX/2016 payment arrived XX/XX/2016. My bank wrote a good faith letter which XXXX honored and waived any lates, negative credit reporting for those 2 payments. I sent Experian a copy of the good faith letter from my bank, and also a letter from XXXX stating they honor the good faith letter. Experian refuses to delete the negative credit reporting for the XX/XX/2016, XX/XX/2016 payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2015 about Debt collection (I do not know) with Penn Credit Corporation (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have harassed me for years trying to contact a relative who used my name as a reference. I asked them years ( at least 5 ) to not call me but they continue. The last call was on XX/XX/XXXX at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Mortgage (Conventional home mortgage) with Primary Capital Mortgage, LLC (GA).
Issue: Trouble during payment process

Complaint: Primary Capital deposited my loan payment on XX/XX/XXXX. Primary Capital then sold my loan to XXXX XXXX, XXXX. My loan payment was never applied to my loan with neither company. I called Primary Capital on XX/XX/XXXX and was told to email proof of the deposited check. I emailed Primary Capital 's customer service department on XX/XX/XXXX a copy of both the proof of payment as well as the deposited check by Primary Capital. I called Primary Capital onXX/XX/XXXX and was told that a refund was being mailed to me within two weeks. On XX/XX/XXXX, I spoke with another Primary Capital representative that told me a refund was not possible and that Primary Capital applied my payment to the wrong loan. The representative said they had were having trouble getting a response from XXXX XXXX XXXX about sending my payment. I requested escalation of my issue and got a call from another representative of Primary Capital onXX/XX/XXXX. I was told that my issue would be resolve within 10 business days and that I would receive an email confirmation that my issue was being resolved. I have never received any type of email from Primary Capital. I called XXXX XXXX XXXX on XX/XX/XXXXand was told that they have never received any communication by Primary Capital and that they were lying. My payment has been deposited for more than 60 days and has yet to be applied to my loan. I have received no responses to my 3 emails sent to Primary Capital 's customer service department. I have received no communication from Primary Capital that a mistake was made by applying my payment to the wrong loan and that they were working to resolving the issue. I ca n't get a response from Primary Capital and my payment was deposited but not applied to any loan. I ca n't get a refund or any type of resolution or even communication from Primary Capital. Please help as I have no other options for assistance.

Company response to consumer: Untimely response
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I discovered around XX/XX/XXXX that XXXX XXXX XXXX XXXX was reporting a Line of Credit loan in the amount of {$12000.00} on my Experian, XXXX XXXX and XXXX reports that does n't belong to me. The account belongs to my mother, and sister. I never applied for nor co-signed for this loan. I was added to my mother 's account as a joint owner so that I can handle her financial affairs since she has XXXX. I disputed the account and received my Experian dispute result on XX/XX/XXXX which XXXX XXXX reported to them that they were reporting it correctly. I called XXXX XXXX and spoke with the loan department and asked them why they 're reporting this account as if it is mine. They told me that because I 'm a joint owner on my mother 's bank account and have access to the Line of Credit that 's why they 're reporting it. I disagreed and told them this ca n't be legal and that I want it removed. They told me the only way they would remove it is if I dropped myself as a joint owner on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Consumer Loan (Vehicle loan) with STATE FARM BANK, FSB (NJ).
Issue: Managing the loan or lease

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days pat due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Debt collection (Medical) with Senex Services Corp. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: At time of service XXXX/XXXX/XXXX double insurance coverage file as uninsured. Contacted hospital. Gave insurance information a second time as it was supplied at time of service. Instructed them to file XXXX primary XXXX secondary in XX/XX/XXXX.Thought it was resolved. Showed on credit report XXXX. Call debit collection who says it was filed as uninsured. And with optima health have to address with hospital.. Call XXXX Hospital of XXXX and XXXX County. They show filed with XXXX and XXXX withdrew payment.Should have been filed with both. Addressed in XXXX. No other bills sent. Showed up XXXX on credit. Contacted XXXX awaiting them to pull claim file. No opportunity supplied by hospital to correct in fact since no other bills received assumed resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Bank account or service (Checking account) with BB&T CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: On XX/XX/2016, XX/XX/2016 BB & T bank charge me overdraft fees of {$36.00} each that amounts to {$72.00}. 
When I log in and open the account online and review the overdraft fee transaction in my account details it says " Your account had insufficient funds to pay XXXX item ( s ). BB & T returned the following item ( s ). 
Total Item Amount : {$.00} TOTAL RETURNED ITEM FEE ( $ XXXX/ITEM ) : {$36.00} " The message above in parentheses is ambiguous. This message is not complete. This message shows no useful information other than the amount that I am being charged. This message does n't tell me what item was returned making it impossible for me to resolve this with the party that did not receive the payment. Whenever a check is returned not only does BB & T charge a fee but the receiver of the check also charges a return item fee. And I feel that these insufficient fund charges created by BB & T are not warranted and not justified. What BB & T has done is create a very being problem that not only cost me money for their overdraft fees but cost me money for the fees that the payment recipient charges to me as well. 

On XX/XX/2016 I was charged {$36.00} dollars for insufficient funds available. My available ending balance on XX/XX/XXXX was {$2500.00}. My available ending balance on XX/XX/XXXX was {$2600.00}. My available ending balance on XX/XX/XXXX was {$2700.00}. I do n't understand how I could have overdrafted. I certainly had enough money to cover any bills. 

On XX/XX/2016 I was charged {$36.00} dollars for insufficient funds available. My available balance on XX/XX/XXXX was {$3100.00}. My available ending balance on XXXX was {$3200.00}. My available ending balance on XX/XX/XXXX was {$990.00}. I dont understand how I could have overdrafted.

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 03/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: there is a child support item on my credit report that was scheduled to fall off in XXXX and it is still showing and when I called the credit bureaus I was told that payment was made on the account in XXXX however I have been totally XXXX and no payments have ever been made and I have a XXXX monthly amount to pay because I am XXXX, but the credit bureau is refusing to delete the account from my credit report stating that it will now fall off in the ear of XXXX this is not correct there has not been any payments payment to trigger this 7 year statue and I would like to have this removed from all XXXX credit reporting companies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Problems caused by my funds being low

Complaint: This submission relates to previous complaint against Regions Bank regarding excessive overdraft charges with number XXXX and to the finding by CFPB earlier this year that Regions Bank was in violation of Federal Law or Laws in their actions regarding excessive overdraft charges. Other than a refund of a single {$36.00} overdraft charge which I received XX/XX/XXXX ( if remembering correctly on date ), I have not received any thing from Regions Bank in terms of refund or acknowledgement of my valid concerns. In ( or around ) XX/XX/XXXX I began to receive daily/regular collection calls from Regions Bank. At ( or near ) the same time I also began to receive some other type of alternative collection call which came from different numbers with different area codes delivering messages from people using different ( more than likely fake ) names saying things like they are from the fraud division and my checking account is on their list and my case would be downloaded to my county for further litigation. Both types of calls ended in approximately XX/XX/XXXX and I strongly feel they are tied together. During my nearly 17 years as a Regions Bank customer I was a victim of identity theft more than once between the years of XX/XX/XXXX and XX/XX/XXXX by professional criminals with obvious banking industry knowledge and experience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was denied an Income-based repayment plan after I had been on one. During XX/XX/XXXX I was paying {$140.00} a month and beginning XX/XX/XXXX my payments will be increased to {$440.00}. I later learned I have only been paying interest. My denial letter for the income-based plan stated I " did not meet the federal definition of 'partial financial hardship. ' ''

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: This account was opened to purchase XXXX XXXX. We have made our monthly payment every month. In XX/XX/XXXX, we received at letter stating that we owe quite a substantial amount in late fees. We call the company to be told that we missed a payment back in XX/XX/XXXX. I looked at my bank records and said no, we made the payment. The Credit Card Services stated that I was making my payments to early, so they were being applied to the principal not as a payment. I said I have never heard of anything so crazy and why did you wait until XX/XX/XXXX for something you thought was wrong back in XX/XX/XXXX? No explanation, just wanted us to pay the full amount of late charges. We have made a payment every month, everyone agrees that money was received from us every month. On XX/XX/XXXX we spoke with an American speaking representative that told us that we are caught up in a, " MISS POSTED PAYMENTS CYCLE ''. Meaning that we are billed out on the XXXX of every month, so we can only pay on our bill after the XXXX of the month because our payment is due on the XXXX of the month. I have been paying the bill consistently between the the XXXX to the XXXX of the month and they are adding late fees and additional fees for non payment every month, even though we are paying the monthly payment! The representative stated that she was filing a complaint with the company, but it will take up to 30 days to get a response due to the high volume of complaints regarding this credit card company! The credit card company has reported us as a late payment risk that shows up on my credit report now! 
We understand that we are not the first people this credit card company has done this to, we want the excessive charges dropped and removed and our credit restored with explanation and remove the late payment history. from my credit report to be made whole.

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 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The company has reported false and inaccurate information on my credit report. They have reported this information to   XXXX   and  XXXX  using different company names, different account balances, etc. I have contacted  XXXX  to request that they remove this false and inaccurate information and nothing has been done.

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 03/19/2015 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: a incorrect reporting by cavalry portfolio on my credit report shows that i have a collection account of {$1400.00} I have no knowledge of this debt when I requested investigation by both the credit agency 's and the creditor I got no response from them and then only a letter from the credit agency 's that they were going to update my credit report to show i disputed it. account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently submitted a report identity theft due to recent discovery my identity has been comprised. The following items should be removed and deleted from my credit report Account Numbers : XXXX  XXXX XXXX # XXXX these accounts are Identity theft please delete. 
XXXX XXXX XXXX XXXX, XXXX this account is fraud please delete. 

XXXX ACCOUNT XXXX XXXX This account is an error duplicate entries please delete I do not recognize this company. 
XXXX XXXX XXXX XXXX All of these accounts should be reviewed and removed as soon as possible. I sent info for XXXX or agent of XXXX to do a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. 

I am in need a complete and well done investigation no E-Oscar system thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine though your company claims to have verified 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 11-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This account is not mine. It belongs to someone else and I am simply an Authorized User. I have requested 4 times that this account be removed from my credit report. It reports many late payments and is hurting my credit score and keeping me from qualifying for a home mortgage for my family. I am single mom.

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 04-08-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Note : This complaint does not match exactly XXXX of the choices above. I selected the closest XXXX. 

I have attempted on multiple occasions to initiate a dispute about an item on my credit report online with Equifax. Each time I try, I enter the correct identifying information and get a message stating the following : '' The information you provided does not match our records so we are unable to process your request online. Please FAX your dispute and a copy of your driver 's license to XXXX XXXX. " I see XXXX problems with this. First, if I am submitting a new dispute, how could my information not match their records? Second, no reasonable person would submit personally identifying information, including their driver 's license, to a fax number without some level of confidence that it is legitimate. If the system can not recognize my correct information, I have little confidence in a fax number. 

My impression of the Equifax Online Dispute system is that it is functioning as Equifax wants it to : It limits the number of disputes that can be submitted online and discourages alternative methods of submission with vague instructions for faxing personally identifying information to an anonymous number. 

Furthermore, when I click the link on the dispute submission page for the FCRA, I get an " Untrusted Connection '' message, which further discourages people from learning about their rights as consumers under the FCRA. 

I have seen numerous reports of the same problem with Equifax online by other consumers. Please add my name to the long list of people who have voiced their frustration with Equifax, about this issue and many others.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax has reinserted accounts from XXXX XXXX back into my credit report at least three times now.

Company response to consumer: Closed with explanation