milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/26/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. Being that they have gone past the 30 day make and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 12/21/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (TX).
Issue: Struggling to pay mortgage

Complaint: I talked to Shellpoint Monday, XXXX/XXXX/XXXX about all of the necessary documents needed for my short sale. I faxed them off the same day and received a fax confirmation. 

Today, XXXX/XXXX/XXXX I received a call from the XXXX XXXX ( Single Point of Contact ) stating that they did not receive my documents with XXXX dates or signatures, which is false. He also stated that now they need new, updated bank statements and pay stubs, which was never mentioned on my call with them on Monday, XXXX/XXXX/XXXX. I am getting ready to refax ALL of these documents again. This is so ridiculous. They are extremely incompetant. 

There is still a clear lapse in communication with this mortgage company. They constantly lose documents and give inaccurate information. This is slowing down my court-ordered short sale process. I am still paying other bills on this property such as security to protect from squatters as well as HOA fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Hi there - Since I am in the process of buying a car I had a shock when I hear my score is poor. I could n't understand why so I have checked online - now, I am not even sure if this is what affects it but I saw a Banana Republic card on my report. I do not have a card from them so I have no clue what that is. I will call them on Monday ( XX/XX/XXXX ) to understand more but I wanted to file this official complain with you as well. Copying the information for you below. It is ALL inaccurate. Thanks, XXXX # # # Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. High Credit {$120.00} Owner INDIVIDUAL Credit Limit {$3000.00} Account Type REVOLVING Terms Frequency MONTHLY Term Duration 0 Balance {$120.00} Date Opened XX/XX/XXXX Amount Past Due {$75.00} Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment Date of Last Activity Scheduled Payment Amount {$31.00} Months Reviewed 4 Delinquency First Reported Activity Designator CLOSED Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount Loan Type Credit Card Date Closed XX/XX/XXXX Date of First Delinquency XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: OnXX/XX/XXXX, fraudulent charge for {$25.00} was placed on AMEX Department Stores ( Macy 's ) store card that had never been activated and I received a call that a fraudulent charge had been made. Charge, however, was still processed and I was charged late fees and reported to credit bureaus for non-payment while the charge was in dispute.
After several calls to the company, requested paperwork filed with credit card company and investigation was completed. I received a letter dated XX/XX/XXXX that indicated that all charges and fees had been removed and credit bureaus had been notified to update my report.
More than 90 days later, late payment for XX/XX/XXXX still shows on all three Bureau reports. Repeated calls to the credit card company have failed as they claim they have updated the bureaus fully. Requests for further investigation from the credit bureaus have resulted in the account still showing the late payment for that month. All sides refuse to take any further action while this fraudulent activity is still impacting 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 non-monetary relief
Consumer complaint received 09/15/2016 about Debt collection (I do not know) with Convergent Resources, Inc. (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I have no idea about this bill never received any letter

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 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: Information belongs to someone else

Complaint: I am writing to investigate my account XXXX XXXX XXXX XXXX, Account number XXXX, Date opened : XX/XX/XXXX ; Amount : {$580.00} I have filed ftc complaint and written validation letters to XXXX XXXX XXXX XXXX many times from XX/XX/XXXX up to now, but XXXX XXXX XXXX XXXX couldnot validate that item.Yet, Experian bureau have not removed this negative item out of my credit report. 

Please investigate this case and remove that incorrect information from my Experian credit report. Thank you so much!

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 07/15/2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Billing disputes

Complaint: I have requested proof of billing and pay history on XXXX BANK # XXXX by mail 3 times to XXXX XXXX XXXX XXXX NY XXXX and have not gotten a response. I believe there are inaccuracies on XXXX and XXXX reports associated with this account. I have disputed this account 3 times and these companies told me HSBC BANK verified everything is accurate. I would like HSBC to provide me with verifying documents. However they continue to ignore my letters. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (OR).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, We are XXXX desperate family who struggles to keep our home from getting foreclosed. This horrible time had started when my income has being reduced from the recent recession we had in our country. As an XXXX, working on our own XXXX, Me and my husband suffering difficulties to cover all our payments, because our commissions were reduced. The cry for help was answered with multitude of paper trails, lost applications, missing documents, then expired documents, denial letters, offers to short sale our home, and now with a threat to foreclosure. We had no control over the financial crisis in our country, however, we hope that there is someone who can hear us. We want to save our home, please, help us to do that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: We filed a bankruptcy over 15 years ago, and a Capital One card was included with this bankruptcy. We had other accounts with them that were paid off and we closed out. In XX/XX/XXXX ) they sent us a letter for collections purpose, I sent them a XXXX Letter soon thereafter, we had never heard from them until today XX/XX/XXXX ( XXXX ) Statue of limitations in Ohio is six years! We thought this matter was resolved, but now the phone calls have started. We want this resolved, since the bankruptcy is gone from our credit records, we do n't have any copies of our filling. Want to know what we can do to stop these calls and threats to pay!

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The representative could not provide me with information about the amount owed other than who the original creditor was. I was asked to provide the collection company with information of what I owed them instead of them providing me with information about the amount of money that they were trying to collect. I asked to be provided proof of debt, including but not limited to, payment history, interest accumulation, and fees to verify the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Transaction issue

Complaint: I have noticed unauthorized charges on my account statement from XXXX different companys.i I have never received goods or services from them.one from XXXX for the amount of XXXX and change and other from XXXX for XXXX and change.i tried to dispute it with the credit card company they ended up rebillling those charges.i am not going to pay for those unauthorized purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Vehicle loan or lease (Lease) with VW Credit (FL).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: I turned in my VW Credit leased vehicle at XXXX XXXX which took my trade in and made the remaining payments on the lease. I took pictures and videos of the condition of the car when it was turned in to XXXX XXXX. XXXX XXXX kept the vehicle at their site for over a week and then the vehicle was taken to a VW dealership to be inspected and returned to VW credit. Over a month later I received an end of lease bill from VW for several items for which I was being charged for that appeared to be inaccurate including a cracked windshield and excessive wear on one tire ( all 4 tires  were purchased and installed at the same exact time ). I called VW credit to dispute the inaccuracies of these charges and informed them that I had pictures and videos of the condition that the vehicle was turned in to XXXX XXXX and that XXXX XXXX sales man who delivered the vehicle to VW dealership was also contacted and attested that the windshield was not cracked. VW told me to hold off on payment until they investigated this further and that they would call me back, it was over a month and I phoned in a couple of times to get the same response ; they would call me back. Finally after nearly two months, I called again and after much frustration on my part because of these frivolous charges, they agreed to a lower the amount of the charges and to avoid further frustrations I agreed and paid the balance in full after I was assured that my credit would not be affected and that it would all be resolved. I am now checking my credit Report and my credit worthiness has been affected greatly by this incident for which I have paid in full even when the pictures and videos of my vehicle turn in date demonstrate the inaccuracy of VW charges for a cracked windshield. Furthermore, I pride myself in making all my payments on time to all creditors and I think my credit history, including previous VW accounts, can attest for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2015 about Mortgage (FHA mortgage) with American Financial Resources, Inc. (PA).
Issue: Settlement process and costs

Complaint: We are a title company. We deal with many lenders. The Buyers chose XXXX XXXX Mortgage as their lender. This was a FHA loan so XXXX uses AFR XXXX American Financial Resources XXXX to service the loan. We had a closing date established for over XXXX weeks, but AFR could n't close and did not tell us until day of. Buyers had to rearrange their work schedules. Attempted to close a week after and on date of closing, AFR took issue with our Deed. The Deed language was legal and correct ( we are also a law firm XXXX but they refused to allow our closing attorney to speak with underwriting to discuss the issue. This went on for 3 days and delayed closing due to the loan processsors refusing to provide contact information for a manager or an attorney in underwriting. Our closing attorney finally looked up their website and found a number for the VP and spoke to him. This was after we already were suppose to close. VP instructed the processors to provide contact information and the issue was then resolved. Also, AFR kept changing their figures on the HUD and refused to approve it. Even attempted to add their own origination fee, which they can not because original lender XXXX XXXX XXXX XXXX was only XXXX allowed. XXXX XXXX and AFR went back and forth for almost a day until finally AFR changed the wording of that particular fee. Mind you, XXXX already sent the loan documents and it closed but this was 2 days later they said they were not approving the HUD yet! XXXX XXXX demanded they keep the closing date so Buyers did n't have to redo the loan. So for almost 3 days I went back and forth with AFR on figures, XXXX of which was XXXX cents they were changing, which changed the entire HUD!! XXXX XXXX tried to resolve the figures with AFR through numerous email exchanges but XXXX was funding so ultimately it was up to them to approve. Finally, on almost day XXXX, they approved the HUD a full TWO DAYS AFTER CLOSING. I almost missed payoffs and other figures that were date-sensitive on the HUD on our end for Seller. AFR refused to work with us, refused to communicate with us and only did so when their own VP stepped in. XXXX XXXX stated they have this issue with them a lot on FHA loans. Not sure why they still use them, but we had a XXXX closing lined-up right after this XXXX that we terminated due to AFR servicing it. We lost almost 3 days worth of billable hours, not to mention delayed closing by a week to begin with, due to AFR. We will NEVER work with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NJ).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: CFPB, I received a notice on XX/XX/XXXX from Chase Bank about " Important Changes to Your Account Terms. '' I have been a customer of Chase Bank for 27 years. My current rate is : 8.24 % and its being increased to 13.24 % ; that is 60.67 % increase! I contacted two account reps on XX/XX/XXXX and the increase is due to " aligning all customers with similar accounts to new APR. '' The document says " your APRs are below the lowest APRs we currently offer on similar accounts. '' The account reps said it was NOT because of any problem with me, but its happening to all customers. I asked if they could give me a lower APR and they responded, there was nothing they could do at all ; is this legal??

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Bank account or service (Other bank product/service) with Echelon Financial, Inc. (WV).
Issue: Using a debit or ATM card

Complaint: I tried to apply for a loan online. I was redirected to XXXX to get my credit score. 
It was supposed to have been a {$1.00} charge to receive the credit score and NO additional charge if the trial membership was cancelled. 
When I was unable to get my score, I called the SAME DAY ( XXXX XXXX,2015 ) and cancelled my membership. 
A {$1.00} fee was charged to my account, from both Myscore and XXXX on XXXX XXXX. 
HOWEVER, on XXXX XXXX additional fees of {$29.00} from Myscore and {$17.00} from XXXX were charged to my account, even though the membership had been CANCELLED a week earlier. 
Since these additional unexpected charges caused an overdraft on my account, I am also being charged {$36.00} PER DAY for overdraft fees. 
Myscore has agreed to eventually refund the original {$29.00} plus {$1.00} fees but not any of the overdraft charges. 
XXXX is REFUSING to issue any kind of refund. 
PLEASE HELP!!!!!!!!!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-04-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have just successfully completed Chapter XXXX to save my home. The case was discharged XXXX 2016 with all payments made and a signed workout agreement in place with the mortgage company. I even received a refund from the Trustee. I made a payment in full of the amount due for the monthly payment on XXXX XXXX, 2016. On a statement dated XXXX XXXX, 2016, Wells Fargo stated " Your loan has been referred to foreclosure. The amount to bring the account current may vary daily ; prior to sending funds, call us for a reinstatement or payoff quote .... '' This statement shows a payment for the full monthly amount due was received on XXXX XXXX, 2016. The Trustee paid the XXXX payment. The XXXX XXXX payment I made was for XXXX. 

I called Wells Fargo at XXXX the number listed on the statement. I spoke with XXXX in XXXX XXXX. She said she could not access the loan and would transfer me. I then spoke with XXXX in XXXX. He said that he did not see any foreclosure notice on my account and that my payments appeared to be current. 

I asked him to provide that information to me in writing. He declined. He said he had to get his supervisor to do that. I then spoke with his supervisor, XXXX XXXX who told me he could not provide any written documentation to me and that he would transfer me again. He assured me that the person he was transferring me to COULD provide the written documentation I requested. 

I then spoke with a rude, argumentative person XXXX XXXX who refused to tell me what city she was in because " it is n't relevant '' and who then proceeded to badger me for calling and having the audacity to ask for " written documentation. '' As I explained for the FOURTH time, I had documentation ( via the Federal Court ) that I had paid up to date and all I wanted was a written statement that my account was up to date and perhaps a note that the " Your loan has been referred to foreclosure ... '' was a mistake. She then sniped that she would have to investigate and would open a case ; that she would absolutely not send me anything in writing and completely refused to tell me when I might ( no guarantee that it would ever happen ) receive the simple, one sentence letter that I requested confirming that " As of today, XXXX XXXX, 2016, we show your account is current and we do not show your account being referred for foreclosure. '' That 's all I wanted. 

And after XXXX people and 45 minutes on the phone, all I got was a rude person who is " going to open a case. ''

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 09/14/2015 about Debt collection (Credit card) with Novea Portfolio Management LLC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Harassing phone calls, multiple phone calls, calling and disclosing personal information to relatives, this XXXX debt is not mine.

Company response to consumer: Closed
Consumer complaint received 03-10-2017 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (NY).
Issue: Application, originator, mortgage broker

Complaint: Was looking at a house with a Coldwell Banker Agent. She referred me to one loan officer and he collected my information. He never disclosed that he was n't the person who would run my credit. He worked for PHH Mortgage and the Coldwell Banker in XXXX. His name was XXXX. I feel as if something was being done that was n't legitimate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (DE).
Issue: APR or interest rate

Complaint: Bank of america charged a late fees ( XXXX ) and interest of ( XXXX ) on XXXX missed payment of ( XXXX ) .. I called and got the late fees reversed and paid off all the purchases ( XXXX ) ... I was under the impression they would reverse the interest charges but it turns out they did not. I did not look at the account after that as I did not make any new purchases. To my shock i saw my credit score drop by XXXX points due to XXXX day past due balance of XXXX on this account ... when I looked at the statements I found Bofa charged {$1.00} per month on the outstanding interest of $ XXXX two months..this on an APR basis is more than 120 % ... .I can afford to pay this and that is not my problem ... but my problem is with these hidden minimum interest charges which result in such high APRs ... even though the disclosures state the maximum they charge on a delinquent account is 29.99 % ... there has to be some rule against this loop hole where banks can charge interest over interest ... at rates that are so high ... this can impact a lot of vulnerable people who do not understand this. This applies to the whole credit card industry .... 
I called Bofa XXXX times today to resolve this but they did not reverse the interest charges. I guess this is all covered in disclosures but there needs to be some common sense built in.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/23/2015 about Debt collection (Payday loan) with Dynamic Recovery Solutions, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a notice to attempt to collect a debt from some XXXX+ years ago in which I know I would have never gone without paying, however, I do not keep my bank records past that far to prove it. Dynamic Recovery Solutions response to that is " oh well '' this company says you owe them. 

How is it possible that a company can come to me after XXXX+ years and just say I owe them, when I have not received a single call or letter, statement, bill of any kind in all these years. Not too mention numerous occasions in which I have applied for credit and had credit reports pulled with no history of this " so called debt ''. 

I am supposed to just take their word for it and pay them??

Company response to consumer: Closed with non-monetary relief