milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2017 about Credit reporting () with RGS Financial, Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My current contact information is available on any of the XXXX Bureaus. XXXX, XXXX, and XXXX. RGS Financial claims they have sent me via mail the verification paperwork, which is untrue. The RGS Rep I spoke to could not even recite any address that the said paperwork had been sent to. I gave the RGS Rep my current address to forward any and all documents that support their claim ... that this account belongs to me. The RGS Rep was surprised that my address is XXXX, not XXXX. They never sent any paperwork. That would only validate my side. I sent a letter to RGS which I have attached. A second one today. They are in violation of the FCRA guidelines and I need assistance with this problem. In speaking with the RGS Rep he continued to circle back to the same directive, " how would you like to take care of this, XXXX, XXXX? ". I explained that I have never had a XXXX account now or in the past. The time frame they are claiming is only assisting in verifying my claim. They state the account was opened XX/XX/2016 ... well I have been in XXXX, XXXX going on two years. The RGS Rep stated it was an account from XXXX. I was not in XXXX at the time They claim. It is a farce. I would like your Agencies assistance in my request of either getting it removed from my XXXX report or forcing RGS Financial to forward me all the documentation they are claiming verifies this account as mine.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This allegation of having a charge off on my credit report IS DEFICIENT of CERTIFICATED PHYSICAL PROOF of being adequately and fully COMPLIANT to all mandates and laws as related to my state, the FCRA and METRO 2 data formatted reporting standards.
You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, of proven documented OWNERSHIP of mine, or of proven documented RESPONSIBILITY of mine. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426-character P6 statements and all of its trailing segments, the minimal five portioned personal identifiers, all 386 pieces to confirmation to collect, and every aspect of the alpha-/ numeric-/ and or alphanumeric source codes. RETURN or retain OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: a company called Portfolio Recovery Associates , LLC. just recently started calling my home phone and sending me letters saying I owe a debt. They are in a class action lawsuit with me as one of the plaintiffs. They use threatening language and other menacing tones. Even the letters they send say they can not do anything to me but persist on trying to collect money. Just want them to stop harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2016 about Credit card () with DISCOVER BANK (CA).
Issue: Closing/Cancelling account

Complaint: I have been a customer of Discover bank for almost 7 years and I have always been following their rules and made prompt payments. ( My credit score is excellent. ) Last month they sent me a short notice saying that my account will be closed, effective immediately. This was highly unanticipated since I never did anything wrong and it will greatly affect my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Consumer Loan (Installment loan) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: I went in to a motorcycle dealership to see if I could by a streetbike my credit was in the low XXXX, XXXX So I really was kind of taking a shot in the dark did n't think it would happen because at this point and Time I was unemployed and going to school and had school loans that were on my credit report.Whats so crazy is I walked out there, we 'll actually rode out of there on a brand new motorcycle that I thought I could afford once I graduated from XXXX XXXX and got a good job ( do n't get me started on that sham ) well come to find out that on the loan they put that I worked for who XXXX in order to push it through and make there sell.! Is there any thing that I can do to get this major XXXX up taken care of I had no idea that they XXXX on the loan application and would have never taken the bike if I knew what was going to happen with XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Back in XX/XX/XXXX a claim showed only on Equifax. I contacted Equifax, got the phone number and contacted the collection agency. They could not find my account. This was disputed with both Equifax and XXXX Outcomes via XXXX Certified Mail XX/XX/2016. Response in writing was requested and there was no response. XXXX responded to Equifax ( according to Equifax ), but did not contact me nor send me the information requested under my rights by the XXXX XXXX. I simply requested name and address of original creditor. The original date of default or non-payment of the debt with the original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. Any fees added by the agency under XXXX ( a ) ( XXXX ). Texas XXXX bond information as required by XXXX. I received no response and have not received any response since XX/XX/2016. I filed a second dispute with Equifax and Equifax again said, " XXXX said it 's yours ''. I am filing a complaint with you and I will be writing a formal letter to Equifax requesting the letter be presented to any creditor reviewing my report. I still to this day ( XX/XX/2016 ) have not received anything from XXXX. This is not my account and furthermore they refuse to send me any information proving it is my account. Because they do n't have it. This is on my credit report and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: On XX/XX/XXXX TransUnion sent me correspondence explaining they could not use the documents I sent to them relative my validation request. 
My letter dated XX/XX/XXXX requested validation pursuant to 15 USC 1692g Sec. 809 9 ( b ) of FDCPA in relations to XXXX XXXX accounts # XXXX and XXXX. However what appeared on the attached Federal Trade Commission Id theft Report # XXXX, was intended for XXXX and XXXX. The portion of the inquirers listed on the report was directed to all bureaus. 

I was thinking the inquiries would have simply been removed under section 605B, as a victim of identity theft. Instead, they sent me a TransUnion Identity Theft Victim Assistance Affidavit, when they received my identity theft 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 02/17/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Money was not available when promised

Complaint: I have money trhu wester union, to XXXX, when the beneficiary, when to collect the fund, the beneficiary was told that was no money at agent office. The tracking number for this event is XXXX, the beneficiary for those fund name is XXXX XXXX, Western Union need to be 100 % responsable for their associates or agent. Western Union or their agent playing with people 's money. Also those beneficiary wasting their time and mony to go those agent office, and get a statement is no money

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Credit card () with WELLS FARGO & COMPANY (AK).
Issue: Payoff process

Complaint: In XXXX of 2014, I applied for a secured credit card with Wells Fargo ; I was required to deposit {$5000.00} with Wells Fargo in order to obtain the card ; the bank employee told me that they would hold my {$5000.00} for 1 year after which they would return it to me. Wells Fargo still has my {$5000.00} after I recently decided to cancel their credit card and they now state that they will not return my money for at least 2 months! 
I received a letter from them regarding " closure of your credit card '' with absolutely no mention of my {$5000.00} security fund. It no longer appears on my online summary either. HAD I KNOWN THAT THEY WOULD NOT RETURN MY MONEY TO ME AFTER CLOSURE OF THE ACCOUNT AS THEY HAD PROMISED, I NEVER WOULD HAVE ACCEPTED THEIR CREDIT CARD. WHY ARE THEY HOLDING MY MONEY WITHOUT ANY NOTATION OF IT ANYWHERE THAT I CAN SEE???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because experian has fail to provide me with the documents that their company has on file to verify the accounts i disputed. Being that they have gone past the 30 day mark and can not verify these account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information that can not be verified. '' that i have disputed. Please resolve this matter as soon as possible

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We applied to Wells Fargo for a loan modification after my husband lost his job. The modification was declined on the basis of failed NPV. However we have appealed and they are considering our appeal. We are now 4 months late on payments. We called to make a payment today and were told that they would only accept a payment for all 4 payments ( XXXX ). They would no longer accept individual payments. To me this seems as though they are forcing us further into default rather than trying to assist us. I believe that this is a breach of the intent of the new Board of Governors of the Federal Reserve Regulation Z rules under 226.36 ( c ) for mortgage loan servicers : " Servicing practices. 

( 1 ) In connection with a consumer credit transaction secured by a consumer 's principal dwelling, no servicer shall -- ( i ) Fail to credit a payment to the consumer 's loan account as of the date of receipt, except when a delay in crediting does not result in any charge to the consumer or in the reporting of negative information to a consumer reporting agency, or except as provided in paragraph ( c ) ( 2 ) of this section ; By refusing to accept a payment online they seem to be deliberately circumventing this rule in order to force us into foreclosure. 

We fully expect my husband to be reemployed next year. At that time, hopefully with a modified loan, we hope to work out a payment plan. At this time we are simply asking the bank to accept a payment. 

Anything you can do to assist us would be greatly appreciated, Sincerely

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On Monday, XX/XX/XXXX at approximately XXXX XXXX I was in the drive thru of a Bank of America branch located in XXXX XXXX, VA at XXXX XXXX XXXX. I went to make a cash deposit of {$400.00} into my account, using a pre-printed BoA checking deposit slip. I was asked for my ID.I asked the person to provide me with copy of the bank policy that requires customers to give their ID when making a cash deposit. The person could n't find a copy. I asked for a manager, she said she was a manager. I then said that she should be able to find a copy of the written policy. While waiting a male employee came to the window and tried to explain to me that it was a policy and that everyone is asked for their ID when making a cash deposit to prevent fraud. I again asked for a copy of the policy if it applied to everyone. He said he did not have a written copy he could give me and that the policies could change. I asked for his business card, he said he was new but that he could write his name down on an existing business card. 
I called the customer service number on the card - XXXX and spoke with XXXX ( she did n't have an employee ID # ) and made my complaint. She kept explaining that tellers had the discretion to ask for ID. I told her that I was told that there was a written policy and I asked for the written policy. She said that she had to forward my complaint to the " back room ''. I told her that I felt targeted or profiled and discriminated against. She again explained that tellers had the discretion to ask for ID whereupon I told her to stop because she was talk about something subjective ( tellers discretion ) and I was told that her asking for my ID was based on something subjective ( a written policy ) and that everyone was asked for an ID. 
She asked if I had the location of the branch and I gave her the info that was on the card I received which appeared to include a branch number XXXX. She said that someone would contact that branch to see what was going on and perhaps it was a branch thing. 
I want to see the basis for being asked for an ID because I was making a cash deposit.

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 09/13/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Credit line increase/decrease

Complaint: We were on vacation out of the country for two months. We paid the credit card company in advance for expenses that would occur while we were gone. I arranged this and notified the Capitol one visa card in advance. While were were gone they sent a check for the positive balance we had for the second month while we were gone. When we returned home I sent them XXXX checks. I confirmed they received XXXX check. The other they stated they did not have. They told me to contact my bank and put a stop payment on the check. I did that. I requested a raise in the credit card limit. They sent me a letter stating they could not raise my credit limit due to a stop payment. I tried to explain with no resolve. I must admit I lost my cool with them during this discussion. They told me they raised my credit limit a few weeks prior. I asked them why no notification? They did not raise it, this was a lie. I told them we have excellent credit rating and I did not want them tampering with it due to all there errors. 
Our error was paying in advance in good faith. I would suggest to others to use great caution dealing with this company. I should be noted that prior to this conversation they awarded us XXXX air miles for the hours we spent on the phone with them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On X/XX/17 Navient received an additional payment of {$50.00} from me. This payment was supposed to go towards the Principle amount and not interest. I followed their instructions and created a separate letter stating that i wanted my {$50.00} to go towards the principle balance. I stated it several times in the letter that they told me to write, they stated that placing it on the memo line of the check will not be sufficient. I look on my account today and see they they put the entire {$50.00} towards the interest, exactly what i specified them not to do. I have two loan consolidation lines and asked them to put {$25.00} towards one principle and {$25.00} towards another principle. I am trying to pay down the balance of my loan so i wo n't be paying it off for the rest of my breathing life. How are they allowed to blatantly ignore instructions they asked payees to do. I know they saw the letter because i placed the check inside the folded letter. I planned to mail {$50.00} every two weeks so it can go towards my principle but I see they do n't even follow their own instructions. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian continue to report the address of XXXX XXXX XXXX, XXXX Florida XXXX on my credit report. They also report phone numbers XXXX and XXXX which are also inaccurate I have continuously disputed to have them removed as they do n't belong to me to no avail

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 02/25/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I own a condo in XXXX and fell behind in my condo fees because of a dispute. The condo assn filed a document threatening to sell the property at auction XXXX XXXX, 2016. I am XXXX % current on my mtg payment. This dispute is about condo fees and the bank 's collateral. I understand that the property is collateral for the loan. I wanted them to be aware of the threat to their collateral. 
As soon as I rec 'd the doc, I forwarded it to Nationstar Bank. I called them several times and sent emails and they told me repeatedly, someone from the legal dept would return my call. This went on for weeks. I hired an atty who was able to get them moving. When I did hear from their atty, XXXX XXXX, he requested, on the day of the auction, an extension. He stated that his office needed more time. Obviously, this was not acceptable to the board. I borrowed some money and I wired the funds when I did not hear from Nationstar atty. Unfortunately, the board atty, XXXX XXXX, said it was too late. I have no way of verifying what time the money was received by the other side. Now, my bank will not talk to me without an atty!! How do I get any service without paying an atty?. This can not be happening in America.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (PA).
Issue: Managing the loan or lease

Complaint: I have a car loan through Hyundai Motor Finance and they do not provide me with the interest rate of my loan. This information is not available to me via my online account with them and it is not listed on my monthly statements. Interest rate is a critical piece of information about my loan and should be included on my monthly billing statements.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (Medical) with Professional Finance Company, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Went to a XXXX shop for a XXXX test. Gave my insurance info and requested an upfront statement of charges. Based on this charge statement and my health insurance info ( I work XXXX so I understand the billing guidelines, etc. ) I paid the full amount I owed including meeting my deductible. Several weeks after service, I received a bill for an additional {$310.00}, which I disputed with the creditor. After no response from them, I have now been repeatedly contacted by a collection agency who has since included this collection on all XXXX of my credit reports, even following my report to them that they were attempting to collect a fraudulent debt. 

This is hurting my credit score and I have no recourse other than filing this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Mortgage (Reverse mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Hi 1.Working wiht chase back from XXXX from XXXX to XXXX Naver have any late and all ok the first lan i have wiht them - XXXX XXXX/XXXX/XXXX to XXXX/XXXX/XXXX on XXXX XXXX the add a escord accound to my load wiht outlet me know and loan amount change and a ad on opsino to pay it online i call them to fix thesee the fix and i can go onile to pay new i try and it not working so i send them chcek fot the pay met for XXXX on XXXX and XXXX on XXXX the XXXX mail back to me bace on the address the have on file i incorect and strat send letter like crazze the my address is in corect and i didnot get it if my address is incorect who to i get the latter from the i see they is no one to talk over the so i ask them to get the pay off amount to pay all the ballance in full befor the end on the yr and cloce the acound thay agry to send my the pay off XXXX XXXX remove the 60 day late fee from my credit report .i never get any ting from the and now i have 30 late on credit report from XXXX AND XXXX on XXXX & XXXX i call them to to fine out they see my addraasss cnage and thay sold my mogrege to new copany. i contact the new compay to all in full, SO now they only probelm I have wiht them is to remove all my late charge from my report and close XXXX thay never remove any late free and never cloce the accoud aftre the get ALL the XXXX. i need help ... 
DISPUTE GUIDE XXXX

Company response to consumer: Closed with explanation