milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-05-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: This is a complaint against Wells Fargo Bank. For the lack of consideration, respect, and ethic. Without noticing, they have decide to block my business account of XXXX XXXX XXXX XXXX and with an amount of money that I am needing, that was {$4200.00} that was deposited yesterday, XX/XX/XXXX. The lack of ethic that they blocked the account after me depositing the money. This is a joke and lack of consideration and discrimination. On top of that, The money I deposited does n't even show in the account. Where is my money? I do n't know where it is. They either stole it or are playing with it. Other than that, they also blocked my personal account, with a sum of {$9300.00}, they have left me with out money to use. This is lack of respect and consideration. Today, I called to find out what was going on, and their response the money was blocked because they decided to close my accounts. Without even telling me or noticing, and they did it after me depositing my money. And apparently, I have to wait until XX/XX/XXXX until they can open my account and there is n't even a chance of them of giving the money back. They did n't even think, they make the country think they are a good bank, that is a lie to the country and the citizens.

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 05/13/2016 about Credit card () with SYNCHRONY FINANCIAL (WA).
Issue: Billing statement

Complaint: I was given a Lowes credit card at the store on XX/XX/2016 through Synchrony Bank and made a purchase the same day for {$2100.00}. The billing cycle was closed 4 days later and the due date listed was XX/XX/2016. I called the bank and they refused to change the due date. Is it legal to have the due date less than 30 days from the purchase date? Normally the billing cycle would be 30 days, not 4 days.

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 11/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PAYPAL HOLDINGS INC. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: PayPal used my credit card to pay XXXX {$100.00}. I do not and have never used PayPal for this very reason. PayPal is little more than a ripoff. The following information was provided by PayPal via email. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX United States XXXX XXXX Transaction number XXXX XXXX XXXX, 2017 XXXX XXXX Payee XXXX which is a fraudulent address. 

Item # XXXX This is exactly why PayPal should be blocked from doing business in Georgia. I dont want my real name or address used due to PayPals abuse of peoples credit card info.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Application, originator, mortgage broker

Complaint: Nationstar Mortgage was included and paid in full as part of our Chapter XXXX Bankruptcy filing, which was discharged on XXXX XXXX, 2015. They will not release the Deed of Trust and have indicated on two occasions that I still have a debt of {$17000.00} that the Trustee never paid them. All the terms of my bankruptcy were met as is evident by its discharge. In addition, per Federal Law all creditors are prohibited from attempting to collect any debt that has been discharged or was part of a Chapter XXXX filing.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I had a XXXX. It got transfer to Carrington. My balance was {$4000.00}. I gave two payments if XXXX for principal. They put the money in my escrow and for regular house payments. Plus everytime I give a payment is {$15.00} fee. This is a fraud, my loan keeps increasing. I 'm discontent with this Co.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: PURSUANT TO THE FDCPA, THIS COMPANY CONTINUES TO VIOLATE FEDERAL LAW AND MY RIGHTS -- -OVER DEBT DISCHARGED THROUGH CHAPTER XXXX BK.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: I submitted complaint number XXXX on XX/XX/XXXX. Today is XX/XX/XXXX. diTech Financial stated established a XXXX day period of time in order to allow for their response. As of today, there has been no response. To me, given their breach of loan covenants, the likelihood of XXXX XXXX XXXX being de-listed from the XXXX XXXX XXXX XXXX, and the variety of legal processes against diTech and XXXX, XXXX may no longer be considered a going concern. diTech appears to be incapable at this time to perform the tasks incidental to their business offering.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: My wife and I applied to Equifax for our free annual credit report, the last XXXX received was on XXXX XXXX, 2014. In both cases, we were told ( online ) that we could not receive the report online but would have to submit voluminous information by mail to receive the reports. This has happened many time in prior years, only from Equifax , never from XXXX. I have not tried to contact Equifax by phone because, from prior experience, it 's is very difficult to get anyone at their organization to expedite a correction to their policies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2017 about Debt collection (Medical debt) with Merchants' Credit Guide Company (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt is in regards to a medical bill for my minor son 's treatment through XXXX XXXX XXXX XXXX XXXX  in the amount of {$120.00}. My son went in for his XXXX XXXX appointment onXX/XX/XXXXand his service was not covered by my insurance company because he had exceeded the number of his wellness visits.
I contacted my insurance company ( XXXX ) to file an appeal and was told that they would consider the appeal. The insurer agreed to pay the claim and reprocessed the payment. I notified XXXX that the payment was going to be reprocessed and paid. A couple weeks later they notified me that this payment had still not been paid and would be sent to collections. I subsequently called XXXX and they told me they would make a rush payment.
Today, XX/XX/XXXX I received a call from Merchants Credit Guide indicating that I owed a bill to XXXX XXXX in the amount of {$120.00} that was sent to collections on XX/XX/XXXX. I informed them that this should 've been paid by my insurer and that I would call them back with further information. I contacted my insurer and was notified that this bill had been reprocessed and paid on XX/XX/XXXX through electronic transfer, record number XXXX in the amount of XXXX I proceeded to call Merchants and notify them to update their system. They told me I should also call XXXX and file an update with them.
I 've tried to call XXXX to get some type of communication indicating this was sent in error and an apology. I have an excellent credit score which I 've worked hard to maintain and achieve do not wish to see it tarnished through an incompetent and careless billing department. I wish to see some type of sanctions as this callous and careless attitude should not go unpunished I can provide any further information that the CFPB shall require.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Debt collection (Medical debt) with CAC Financial Corp (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have medical insurance to cover my medical bills but for some reason I have {$800.00} medical bill in my credit. Never did I know that I had a bill cuz I thought medical insurance would take care of all my bills

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX 2016 our house payment jumped over XXXX $ due to raised house taxes.My understanding is a mortgage may not charge more then 31 % of a families gross income, a payment of XXXX is over that limit.I filed a loan modification with bank of America denied, appeal denied.I am XXXX my spouse is retired we have a very set income.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 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: Information belongs to someone else

Complaint: On Monday, XXXX XXXX I was notified that my XXXX credit card was used in Florida ( I live in California ) and it was maxed out. I then spoke with the credit card company and they addressed the issue swiftly. However, when I took a deeper dive into my credit I realized that I was a part of the Equifax breach ( I was never notified by Equifax about this ). I then looked my credit report and realized that someone just added a new address in XXXX, Florida. This is a fraudulent address and it is only showing up on my Equifax report. That being said, I have called 9 times now with a cumulative amount of 9 hours waiting to discuss with someone on the phone. Each time after just about an hour on hold they hang up ( I have picture documentation of this ). Then I submit the dispute via the Equifax website on XXXX XXXX. I received the response to the dispute on XXXX XXXX, and the first time I opened the page it says there are no disputes pending. The 2nd time it says it can not help me because my information does not match my report. I have included screenshots on both on this complaint. My credit score has taken a hit due to this, there is now a fraudulent address under my credit file, and there is no way for me to resolve this with Equifax. This can have a long term affect on my credit and for a business to not accept responsibility or help assist is unacceptable. I am turning to you all to help before this gets worse. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2017 about Debt collection (Medical) with Rossman & Co & PCB (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a phone call for a collection of a medical bill form 4 years ago. I had never received any communication from the doctor or any collection agency. PCB/Rossman and Company contacted me and I agreed to pay the bill, but I wanted a letter stating that it will not be reported to credit. I also wanted the letter to include the amount and creditor, since I had never received any communication. They agreed to send a letter with the information regarding the bill.  After 2 wee ks, I contacted PCB again. I still had not received the letter. I asked for a supervisor and was put into a voicemail. I never received a call back. I called  2 mo re times requesting a supervisor and was put into  XXXX   XXXX  's voicemail each time. I called again and spoke with someone that spoke with a supervisor named  XXXX . He said he would provide a letter that stated what I requested. Six days later I received a letter that simply stated a  XXXX  % discount, but nothing about not reporting to credit. In the meantime, I have continued to receive calls from them, but never the calls back from a supervisor. One gentleman told me he could n't give me a letter because it was a HIPPAA violation. I have had my mother helping me with this issue and a lady named  XXXX  finally called her back today and said they will not provide a letter stating that it wo n't report to credit ... ..we just need to trust them. My mother works in  XXXX  and explained to her that the credit bureau will not " trust '' me to get something removed from my report. They said that they will remove it ... should something be reported. However, they will not put anything in writing stating that they will remove or not report something. Since my mother works in  XXXX , she knows that they will not just remove something based on a conversation with a collection agent. I need something in writing. We have called and called. We always tell them that we will pay the bill, but we need something in regarding reporting to credit. I am at my wit 's end. I am planning to buy a house in the n ext 6-8  months. I want to resolve this, but I need assurance that this will not hurt me later. I  hope  that you can help navigate through this situation with the collection company. I have never had such a hard time trying to give someone money.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX 2017, I was notified by my line of credit that I was behind {$49.00} and once I paid that amount I would be up to date. Then I was threatened that my line of credit was 33 payments behind and that my house was going to go in foreclosure. They told me I had to pay about {$8000.00} to bring the account current but I was not shown any documentation. I was so scared that I would lose my house and I paid most of the money, but then they closed the loan amount and transferred it to another department in Bank of America and now no one wants to tell me what is going on. I need my credit to be cleared because I need to refinance and put everything in one loan. I have called several times and no one seems to understand.

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 01-10-2018 about Debt collection (Other debt) with ERC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This debit was deleted by previous collect due to them being unable to verify debt. Now it looks as tho they have sold debit to another third party reappearing as a new collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: After numerous filings they continue to reage the information using the latest date even though the transactions occurred in 2009 or much earlier. This gives the wrong impression to someone reviewing the credit report. These are disputed because they have been incorrect for sometime even after spending over a year to correct the reports. Now I realize you have no power as an agency to do much and they can totally ignore you but in my opinion this is deceptive. IF the information was finalized years ago it should reflect the correct date NOT a current date. This is across the board with all reporting agencies. Also Experian had the wrong personal information on my wife 's report. How are we to expect any correct reporting when we have to deal with this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen continued to report on my credit after they were paid and after the foreclosure. Everything was complete on title and all the documentation shows 2015 and they continued to report after that.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax has mishandled my information, did n't notify me ( I  found out via XXXX and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I previously submitted a complaint to you about Bayview loan servicing. I asked them to provide a copy of the mortgage note, and all documentation pertaining to my mortgage. They were suppose to comply by XX/XX/XXXX. The complied with no documentation. They sent me a letter stating that my mortgage has been sold again. They further stated that they will continue to service my loan I am suppose to send them my payments. They sent me a barely legible promissory note without my name on it. Only the name of my deceased husband. He has been deceased since XXXX. XXXX did an assignment from my deceased spouse and the previous lender on XX/XX/XXXX. They further did an assignment from XXXX to Bayview Loan servicing on XX/XX/XXXX. Bayview states that the loan was sold on XX/XX/XXXX and the documentation was filed in my local court jurisdiction. I have looked and it was not. I have no idea who actually owns the mortgage it even if I owe money at all. The promissory note that they produced is totally different from the original one that I have. I have not let them in on that fact as of yet. Please feel free to contact my daughter XXXX about anything pertaining to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Account opening, closing, or management

Complaint: I have a business account with SunTrust Bank and I was charged a {$15.00} fee for a credit inquiry. I called SunTrust to inquire about this charge and I was told there was no information on the company doing the credit inquiry. The only thing they could give me was a fax number and told me to fax the company to see who ran the credit inquiry. I do n't think its fair to charge me a {$15.00} fee but you ca n't give me any information. I was told any company I am associated with can run this inquiry at anytime and they will charge me {$15.00} each time. I do n't think that 's fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 02/23/2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: A single {$480.00} credit card charge to Cabellas ( Capital One Bank ) was overlooked by me, which was my fault. It was then turned over to a collection agency before I was aware of the past due account, which is also my fault because I put most of my payments on auto-pay. I received no phone call from Cabellas. The collection agency, XXXX XXXX XXXX XXXX called me, and after verifying the bill, I mailed them a check. They sent me a written notice ( attached with this complaint ) in XX/XX/XXXX that the account was paid and closed. Another collection agency, XXXX XXXX XXXX XXXX of XXXX, Virginia is now calling me in XX/XX/XXXX and XX/XX/XXXX demanding payment for the same paid account. They have refused to give me a fax number or email address so I can prove that I paid the account, but just keep calling to demand that I pay. The Cabellas credit card was closed by Capital One and this has probably damaged my credit. I will never do business with Cabellas again. I have good income, no credit card debt except what I pay off every month, and a credit score in the mid-700 's. I can withstand this abuse but I am appalled that a reputable firm like Cabellas/XXXX XXXX   allows this kind of behavior that could cause serious damage to those less fortunate than me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (ND).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I paid XXXX XXXX XXXX to manage my loans {$600.00} and then {$29.00} thereafter. They sent my loans to XXXX XXXX where I made payments. I was told student assist would manage everything but when it came time to recertify I had to go through XXXX anyway. I cancelled with XXXX XXXX and my loans disappeared from XXXX. I was told they went back to the original vender. They fell off my credit report completely and were no where to be found. XXXX XXXX told me to call XXXX  XXXX and vice versa. A year later my loans pop back up with XXXX with added interest of {$5000.00}. I've been going back and forth with XXXX and XXXX XXXX since XX/XX/XXXX with no reconciliation of the issue. They will not remove the additional interest and can not tell me why the loans disappeared at {$44000.00} and returned at {$48000.00}. I've been out of school since XX/XX/XXXX had the loans since XX/XX/XXXX and all the money I've paid does not lower them in anyway. I'm included conversations back and forth between the loan companies. XXXX XXXX basically told me I should be happy they disappeared and would not help me in any way. Now XX/XX/XXXX and I'm still dealing with excessive loan debt that is not completely accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Diversified Consultants out of XXXX has called me repeatedly on a 6 year old debt at least XXXX a day after I have asked multiple times to not contact me on my cell as it is used for work. I have asked repeatedly for them to correspond with me through mail.

Company response to consumer: Closed with explanation