milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-08-2016 about Bank account or service (Checking account) with Xerox State & Local Solutions, Inc. (FL).
Issue: Making/receiving payments, sending money

Complaint: Not receive the right amount of money each month on my cards I know it are fraud going to report it to law system

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
Consumer complaint received 07/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There has been a recurring charge of {$280.00}, listed as collections, on all XXXX credit bureau reports. I have written the collection agency and the primary source, but neither have provided any documentation or respond to my requests. It is for a medical bill, but I have paid all my medical bills to this company. I believe they have mixed up my name with someone else from what they tell me. They never respond to my letters, they just renew dates on the credit bureau reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (DE).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX I received a letter from Wells Fargo stating that I had requested loan assistance. I had not so I contacted XXXX XXXX who sent the letter and he never responded. Then I received notice stating my home was going up for sheriff sale on XXXX XXXX, XXXX. I hired lawyer and she found a XXXX XXXX was handling the sale, she reached out to him and he would not respond. I got a stay on the sheriff sale until XXXX, however Wells Fargo has not provided any of the information I requested even after several visits to their branch. Now I am being told that the loan history and documents may take another week to receive and this has been going on since XXXX, XXXX. I have numerous documents regarding this issue and have spoken with the Wells Fargo Branch Manager in XXXX XXXX Delaware. Now Wells Fargo is telling me that I could file a request with their Office of the President in regards to this matter. Also this whole foreclosure situation was started in XXXX and no one has sent me a collection letter or a statement in regards to this loan in over 8 years. All I want is to stop the sheriff sale of my home and find out what is going on in regards to this loan which they say I owe {$140000.00} on and keep my house. This situation is so complex even my lawyer and the branch manager are confused by what has taken place. I have many documents to support my issue but I am not able to upload them to my computer because I do not have a scanner and several of them are XXXX-XXXX pages long. I know these documents would help however I can provide them by mail if that is possible.

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 01/19/2016 about Debt collection (Medical) with RS Clark and Associates, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I agreed to setup payment for my medical, but they still reported it to my credit even after the bill was paid.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: i respectfully ask that all loans that are outside the SOL for Texas be removed from my credit reports ASAP.Please remove all loans that are outside the statue of limitation of 4-7 years ASAP. Thank you. This should be done on all CRAs. I have emailed several times and it has been more than 30 days since my original request. Under the FCRA, you are legally obligated to respond. Please remove the student loans from my CRA reports immediately. They have been removed from XXXX, and should be removed from all others as well.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Transaction issue

Complaint: I am writing to your agency because I am very upset the way my credit card company ( Capital One ) handled my claim. I disputed the charges of {$780.00} on XXXX/XXXX/2016, {$59.00} on XXXX/XXXX/2016 and {$59.00} on XXXX/XXXX/2016 made by this fraudulent company called XXXX on my card on XXXX/XXXX/2016. These company called me and the representative was very persuasive. I had several contacts approach me by phone on how they were upgrading my site for the world to see it. I did n't understand on what to do. I have never been in this field of marketing. I ended up paying to several companies. All I was looking for was to make an extra income to pay bills. I was approached as owning my own business and bringing in extra cash. But in order to make money I would had to pay even more money to all these companies calling me and pushing me their services as necessary to my online business. And they always call you for more money, meanwhile I kept paying for more services and they were never provided. I was losing sleep unable to think worried about how to pay off creditors. Capital One denied me for the wrong reasons. I was disputing as services not rendered. And is not a billing error. I did agree to pay for their services but they never provided me with them. I tried to resolve with the company 's first but after you ask for a refund they ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted Regions Bank,  XXXX ,  XXXX   XXXX    XXXX   about fraudulent information contained in my consumer file with  XXXX . Several accounts were opened in my name using my correct personal information when I was the victim of identity theft. I have provided a copy of my police report, drivers license, and social security card to these business and made them fully aware that these accounts were not mine and they have refused to act in accordance with the laws that govern the reporting of such information.      XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SC  XXXX  Name :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Reported SSN :  XXXX  Account Number :  XXXX  Routing Number :  XXXX  Date Reported  XXXX / XXXX /  XXXX   Reported for NSF Closure Status : Unpaid Closure Status Date :  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AL  XXXX  Reported Name  XXXX   XXXX   XXXX   XXXX  Address  XXXX   XXXX   XXXX    XXXX     XXXX   XXXX   XXXX  GA  XXXX  Reported SSN :  XXXX  Drivers License : ( Blank ) RTN :  XXXX  Account :  XXXX  Reported for NSF  XXXX  Amount : {$130.00} Paid in full settled I have properly notified all  XXXX  of these companies that these are not and were not my accounts and respectfully requested they remove this fraudulent information and they have refused to do so.

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 08/15/2017 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: Experian has put an address on my credit report that is neither my address or a valid address. I have tried to dispute this address information with Experian but am unable to use the online function and do not receive a response via mail.

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 07/19/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Hi - I have contacted XXXX XXXX in XXXX, Nevada multiple times about an identity theft that occurred through their apartment complex. I have sent them a fax, called a number of times and they give me the run around. The managers name is XXXX XXXX and their financial person 's name is XXXX. I spoke to a women named XXXX who seemed helpful and asked me to email my information that I had faxed the week before - which I did. I have yet to hear back from XXXX XXXX. A woman by the name of XXXX XXXX XXXX stole my social security number and used it to get an apartment at this complex. The apartment complex did not do the proper background check or they would have realized that she was a fraud.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Payment was received & processed by the mortgage company, Nationstar, 2 days after the due date. This is only the first or second time we have ever been late in 15 years. 
They are charging an unbelievably high and incomprehensible late fee of {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Rushmore Loan Management XXXX acquired my loan from from my previous lender in early XX/XX/XXXX. This is not the first time my loan service company has changed ; however, it XXXX the first time I have reached so many difficulties. XXXX did not make payments to my home owner 's insurance that I have had since originating the loan in XX/XX/XXXX. In XX/XX/XXXX I had an issue in my bathroom that required submission to insurance to be fixed. I then learned that XXXX had forced placed their own insurance with a much higher deductible. The insurance XXXX came to my property and investigated the claim which resulted in payment. The payment was made to XXXX and then I was issued a check for {$200.00}. The difference in the XXXX insurance deductibles ( my insurance vs. forced placed ) is a {$900.00} difference resulting in the repairs not being able to be completed. I have not endorsed the check as I am not getting the insurance benefits I believed I was paying for and these funds with my portion will not cover the repairs. 
I was also told by XXXX, when I found out and requested my insurance to be placed back on my loan, that it was completed. My insurance company, XXXX, as well as myself have attempted to simply add my insurance to the loan with no results. I will be trying again today.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from CAPITAL ONE BANK. I had previously disputed this account. I have never done business with CAPITAL ONE BANK. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CAPITAL ONE BANK Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CAPITAL ONE BANK Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: As of this date, I have not received a reply to my complaint dated XX/XX/XXXX I did, however, receive a letter dated XX/XX/XXXX XXXX Required Information Notice XXXX. I am very concerned because the letter " acknowledges receipt of the Assistance Review Application, but has determined it is incomplete '' but I NEVER completed or submitted an Assistance Review Application. Can you please assistance me in obtaining a copy of the Assistance Review Application reportedly submitted? 
Also, SPS has yet to respond to the Notice of Errors dated XXXX XXXX. Clearly, it is not in my best interest to negotiate any loss mitigation options without an accurate accounting of : a. what I paidb. when I paidc. an explanation of questionable chargesd. an explanation of illegal upfront feese. an accurate account of the loan balancef. who actually owns the loanMost important, SPS has refused to respond for the request that they honor the previous modification I entered into with XXXX XXXX XXXX in 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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX Confirmation number XXXX I disputed the following items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As noted on the attached documents, as of XX/XX/XXXX they had not completed the investigation. I sent them a letter XX/XX/XXXX stating that the investigation has passed the 30-45 day investigation timeframe and they immediately changed the results to completed. I never received a letter stating the results. As you can see from the computer printout, they did not complete in a timely manner. I have also included a screenshot of what was disputed on that confirmation number.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I recently applied for pre-qualification for a mortgage loan through XXXX XXXX. The Equifax credit score they pulled was almost 100 points lower than what I receive from my monthly XXXX 3-Bureau FICO score monitoring. I expect maybe a few points  difference, but not 100! How can I be sure that the credit bureaus are giving me accurate scores to use when I apply for loans such as a mortgage loan? I need to be sure that I 'm being treated fairly by lenders. If I never really know my credit score because their score is always different, then how is that fair to me as a consumer? Please, I need answers. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Student loan (Non-federal student loan) with MASSACHUSETTS EDUCATIONAL FACILITIES AUTHORITY (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I submitted a payment to XXXX to finish my student loan completely. XXXX claimed to have processed that payment, but they did not. 

I received an email from XXXX on XXXX stating that XXXX Dear XXXX XXXX, XXXX We 're sending this email to let you know that today we processed your student XXXX loan payment ( s ) of {$9500.00}. If you would like to view the details of your XXXX payment history, please log in to your account. 

Yet, when I look at my bank account history and also at payment history in my XXXX account, there is no record of the payment made. 

XXXX continues to have me enrolled in automatic monthly payments at a reduced rate and continues to collect interest from me, despite its claims that it processed my payment. 

Furthermore, I received NO notification that the payment was not actually processed, so I was led to believe by XXXX that my contract with them was complete. Had I not followed up on my own, I would not have found out I still owe the company. 

Thank you for your attention and help in this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: After being laid off from my employer in XXXX of 2016, it was difficult to ensure bills were paid on time with XXXX income which was my wife 's and part time. Therefore, after falling behind in my Navient private school loan, I made several attempts to seek out and obtain assistance from Navient in hopes of getting a lower monthly payment until payment from my new employer was consistent enough to begin repaying the original amount due each month ; however, each attempt made to Navient on my behalf has been unsuccessful and have been informed each time I 've requested the assistance, that I 'm already enrolled in a low payment program and despite the financial hardship, there 's nothing else that could be done. Navient representatives have also made it clear, that if a certain amount was not paid by a certain date, the delinquency would be reported to the credit bureau 's. I 've also received documentation, via mail, from Navient that states other repayment options are available that may be a better fit for my budget if I 'm having difficulty making my payments, yet, I 've been told numerous times, that there 's no other options available to me since I 'm already enrolled in a low monthly payment program.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Struggling to pay mortgage

Complaint: O n   XXXX   XXXX   XXXX   a QWR and NOE was faxed  over to the lender and the have failed to respond before the sale date. The have not provided proof of debt owed. A NOE with an active sale date was faxed over on   XX/XX/XXXX  a nd they have failed to move the sale date to allow the homeowner to have proof of debt owed and make arrangements. The have failed to allow a modification review.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: I opened a checking account with Citibank and was offered a XXXX Thank You Point bonus if I met certain requirements as outlined in the offer. I have spoken with XXXX different representatives from Citibank about my missing points and nobody seems to want to help me. I am constantly being ping ponged back and forth between customer service and Thank You customer service. I have spoken to representatives XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The most recent interaction started with a representative talking down to me due to the balance in the account saying how I " am not in the right account '' and unwilling to warm transfer me to the other department. I feel as though Citibank does not want to give me these points, even though I have in writing from them XX/XX/XXXX that I have met all the requirements needed. On at least 3 different occasions I have been told the points would be awarded in the " next statement cycle ''.

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 10-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX accounts that did not belong to me was deleted and now its back on my credit report. It 's seems like another company bought the files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Advertising and marketing

Complaint: I applied and got approved for USAA XXXX World MasterCard. It came with a {$200.00} statement credit offer if I make XXXX purchases by XXXX XXXX, 2016. After I made XXXX purchases, I called USAA customer service to check when the statement credit will be issued. USAA denied the existence of this offer

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/17/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: There is no proof this debt is mines, I have been having medical insurance for the past 10 years not sure what is going on. HIPPA law protects me with this issue. They do n't have any signatures from me, they cant prove why I was in the hospital.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Stellar Recovery, Inc. (GA).
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: This bill with XXXX XXXX was reinstated on my credit report XX/XX/XXXX. I have proof it was not on my report before. It had been removed several years ago. After it was removed it was sold twice. Stellar recovery is now reporting it as XXXX, I disputed the original amount when on report. It was XXXX. I had turned in equipment and they never fixed balance. XXXX is ignoring this as I have credit report from them in XX/XX/XXXX and this is not on my report. I 'm attaching all evidence. They are not investigating and are just closing case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation