milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (MS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I recently contacted the CFPB to dispute a late payment that American Express is refusing to move for XX/XX/XXXX. I did not have additional documentation at the time but have gathered my statements. American Express is claiming they are reporting the information correctly, that my account was 30 days negative for this month. However, my statements show consistent payments during this time. I have not disputed the accurate information from previous late payments, only this one that was made in good faith to get back on track with my bills. My XX/XX/XXXX payment was received XX/XX/XXXX through the agency, and my credit report shows it as on time. My XX/XX/XXXX payment in question was received on XX/XX/XXXX yet it is marked as late. AmEx has not even reported payments after the XX/XX/XXXX, evidenced by the screenshot. When I try to correct this, I always get told about the integrity of the credit report, but it appears to me based off my statements and the other months on my report that AmEx is more concerned about saving face than admitting to an error.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Bank account or service (Checking account) with U.S. BANCORP (WI).
Issue: Problems caused by my funds being low

Complaint: I have been with US Bank for over 13 years. I have both personal and business accounts with this bank. For sometime the bank would processes and update transaction at midnight and they would come through out bank account in the morning. Transaction included debits on our visa cards, credit charges on our visa cards, checks and returns from others deposits and banking fees. I could log into my account in the morning and if my account was over drawn I could transfer money to cover these items. within approximately the last 6 months that bank is n't timely processing our account transactions any more. It is very costly to us and incurring more fees because the our scatter among a day or two full days after the transaction was processed. Even using my visa card the items come in 2 days after. Returns from customers are showing up two to three days later, causing additional fees to our account. They seem to also be processing items all at the end of the day right at closing time, so as to not allow us anytime to cover anything and therefore cause additional banking fees to be able to be charge. I find this frustrating to say the least. I ca n't control some of this including the return deposits we get back however, now with the delayed processing of US Bank I ca n't transfer funds to cover these returns either because they do it at the very end of the day and then charge the fee. What happened? How can the processing change and delay two to three day without letting us know. How come they are not entering things as the use to once it clears over time and have it show up prior to business hours in the morning so we can transfer funds to cover theses items. This is just XXXX more of those banking scams that allow them to charge obsorbert fees and get away with. I should be able to relay on a processing schedule that has been followed for years and not be bounced around with these types of changes and without notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We were required to get XXXX XXXX from Chase on a XXXX Heloc loan. For the last five years we have been overcharged for this coverage. The coverage is XXXX this year and they had charged us XXXX consecutively for the last five years. Chase is now under a class action lawsuit " XXXX vs XXXX '' whereby it was discovered that Chase, " breached its covenant of good faith and fair dealing, unlawfully required its customers to carry excessive flood insurance for their property, and that it unfairly profited from receiving kickbacks in connection with lender-based insurance including in the form of commissions. ''

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Mortgage (Other mortgage) with BB&T CORPORATION (FL).
Issue: Application, originator, mortgage broker

Complaint: We are victims of dual tracking while in-review. 
Submitted a completed package, in letter dated XXXX XXXX from BB & T and received XX/XX/XXXX by mail, BB & T asked for updated financials and an additional piece of information - a letter of income contribution from wife of income shown in bank statements in package to be submitted in XXXX days. On XX/XX/XXXX BB & T sent a motion to the court asking to schedule a foreclosure sale. See a copy of the court docket showing a motion sent to the judge asking to schedule a sales date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: I refinanced my home a couple of years ago. At that time Bank of America required that we use only there approved appraiser, XXXX. At that time, the appraisal came in significantly below true market value, unbelievably low. I believe this appraisal was not honest since it was not a slight difference but a large difference in appraised valve verses what similar houses were selling for in my neighborhood. Nonetheless, i already invested at cost of this appraisal so i went forward with the load and was subsequently obligated to pay mortgage insurance. 
None my house in even more, with out a doubt, than the 80 % LTV requirement. XXXX houses, my next door neighbor and XXXX houses down, have sold for greater than XXXX. These are the same models as mine and i have a better lot. I owe XXXX on my home. This obviously calculates out to a meet the 80 % LTV requirement. However, when i called BOFA and advised them of all this and asked them to reevaluate, then said they would review this and send me a letter. The letter states that my LTV is less than 80 % and that i would need to get an appraisal with their appraiser of choice to reevaluate. I am reluctant to use their appraisal service, since i am concerned of a conflict of interest between BOFA and XXXX. I feel like they are systematically manipulating this process. I do not feel that they are being honest. I would like someone to independently review this for me and for the public. If they are systematically doing this to me, they are likely doing this to many others. I feel this is wrong. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 've disputed with all XXXX major reporting credit bureaus ( Equifax, XXXX, XXXX ) .I 've submitted XXXX different disputes regarding unverified accounts via cretified mail. There responce is verified without back-up documents. This issue is drastically affecting my ability to re-finance my properties! I feel as if I 've reached a road block. I greatly appreciate your assistance in this delicate matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: ~ I have conducted myself with integrity and met my student loan obligations since completing my program in 2008. I am seeking that my case be considered by the department of education under exceptional circumstances. The Loan discharge form limits of 120 days provide only the most narrow of windows to correct this situation and exclude a great number of former students including myself from corrective actions. 

List of exceptional circumstances : 1. Misrepresentation of accreditation. 
2. The schools discontinuation of academic programs. 
3. Current litigation 's by the state that are affecting operational viability of the school. 
4. Finding by federal agency & recent litigation resulted in prohibition of federal funds for school. 

I feel that the school manipulated the circumstances of my enrollment and conducted themselves in a manner that is not consistent with the integrity expected of institutions that provide higher education. As I have acted in an upstanding manner and met my obligations to date, I would like to consider having the remaining federal loans that I am obligated to repay discharged or forgiven. I think that if the government is taking actions against this school for deceptive practices it should also be open to mitigating the financial burdens of those that were subject to those practices and have met every obligation thus far. 

I have several complaints specifically regarding my enrollment at XXXX XXXX XXXX. 

~ I was told while discussing enrollment with the recruiter that XXXX XXXX was an accredited institution and that I would be able to pursue my masters at XXXX after graduation. - This proved to be false. XXXX XXXX for XXXX XXXX and XXXX determined that XXXX " is not in compliance and is unlikely to become in compliance with [ XXXX ] accreditation criteria. 

~ I was later told that the accreditation process was ongoing and that XXXX XXXX would be fully licensed by the state and accredited in the near future.- This also proved to be false. 

~ The credits I earned and took out Federal and Private loans for are unable to be transferred to federally compliant institutions like XXXX or XXXX. 

~ Until student loans are fully repaid, I am not able to pursue federal funds for education at a compliant institution like XXXX or XXXX. 

~ The location where I attended has been closed and is no longer in operation. 
XXXX XXXX XXXX XXXX XXXX, FL. XXXX ~ XXXX XXXX XXXX is currently involved in several litigation 's, some of which are banning new students from enrolling and ultimately will result in the school being closed. Once the school closes I will be obligated with student loans for a degree from a fraudulent institution.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (VA).
Issue: Making/receiving payments, sending money

Complaint: I DID AGREE FOR LEASE A DEVISE WITH BANK FOR THE AMOUNT OF {$50.00} A MONTH and they on firs payment took from my bank {$83.00} because i refuse to pay {$83.00} the bank now took my action to colection and treat me to report a XXXX.The persson from the bank refuse my call and all the want is " pay the amount what they want it '' no what was on the agree.

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 03/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I do not have owe a gas bill. have not had one in my name for over 20 years. and received a dept collection notice with a reduced balance from convergent.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (KS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Credit report shows these as unpaid debts. These are not my accounts. I did not authorize. I have no credit cards and have not for over a decade. Citibank for {$6700.00} opened XX/XX/XXXX and for {$660.00} opened XX/XX/XXXX. I believe this to be fraud and need for them to be removed from my credit 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 01-03-2018 about Debt collection (I do not know) with Harris & Harris, Ltd. (KY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have received numerous calls to my phone number XXXX XXXX XXXX from XXXX XXXX XXXX XXXX, in which they are trying to reach XXXX XXXX. I have told them to stop calling me and to remove me from their calling list. Previous times I have been called has been on XX/XX/XXXX and on the XX/XX/XXXX I  returned that call and advised the male agent to stop calling me. During the last call that I returned to them on XX/XX/XXXX at XXXX XXXX EST I advised the agent to stop calling me or I will file a complaint with the CFPB. She said go right ahead and that " collections '' will continue. She never identified me of right party contact. I am not XXXX XXXX spouse I am his sister in law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Account opening, closing, or management

Complaint: My Paypal account was shut down and I am still waiting for my funds to be refunded to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2015 about Debt collection (Medical) with Radius Global Solutions LLC (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX Account by CCSThis is wife 's debt that I have been handlingCCS agreed to remove a collection account from the credit bureaus if I paid in full. 
I paid in full and it is being reported as a paid collection as of XXXX/XXXX/15 which is not what was agreed to. 

I was called by XXXX XXXX from CCS at XXXX XXXX/XXXX/15. 
He instructed me to call the XXXX Law firm as they had the file and to make payment arrangements with them and then CCS would delete. 

I called XXXX XXXX at XXXX XXXX XXXX/XXXX/15 to discuss payment and was told that they would notify CCS of the payment but did not control what was reported to credit bureaus. 

I called CCS back at XXXX at XXXX XXXX/XXXX/15 ( 11 minute call XXXX to make sure that the agreement was to delete the trade line at the 3 credit bureaus, not just report them as a paid collection. I spoke to the first gentleman who answered the phone ( I do not have his name ) and he finally transferred me to XXXX who assured me that this would be deleted. 

I called the original creditor XXXX at XXXX XXXX at XXXX XXXX/XXXX/15 to verify it was OK to pay law firm. She confirmed and also stated that she would send a letter to CCS requesting deletion from credit bureau also if they wanted it. 

I called XXXX XXXX at XXXX XXXX/XXXX/15 and made payment. 

I received a phone call form XXXX XXXX at XXXX on XXXX/XXXX/15 in regards to an email explaining the incorrect reporting. He told me that after his supervisor listened to the recording on XXXX/XXXX/15 at XXXX that no mention of deleting the trade line after payment in full was discussed. 

I told him to listen to the 2nd call that we had that day at XXXX that I made before paying to make sure of the tradeline deletion. He had his supervisor listen and came back on the line and said it would be deleted and that there was some mistake. 

Filed BBB complaint XXXX. They responded XXXX that they submitted for deletion on XXXX but we have no control over CRA timetable for updating. 

I rejected their response and requested confirmation numbers for the deletion request.. 

They responded XXXX saying they will resubmit but we have no control over CRA timetable. No confirmation numbers given like I asked. 

As of XXXX it has not been deleted as agreed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (I do not know) with EQUIFAX, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Equifax is reporting a Child Support Account that do not belong to me. This account is only showing on my Equifax and I I have disputed this account several times. Please assist me in removing this account from my Equifax Credit File. Equifax is also reporting that I made a payment in XX/XX/2018 and I have never made a payment on this account. 


Equifax is also reporting to 2 addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX

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 Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX, AND EXPERIAN IS IN VIOLATION : 1. UNDER THE FAIR CREDIT REPORTING ACT, 15 U.S.C. 1681 ( G ) I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL OF THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILE CONCERNING THE ACCOUNTS THAT YOU ARE REPORTING IN MY CREDIT REPORT. 

2. IF YOU DO NOT HAVE ANY DOCUMENTATION IN YOUR FILES TO VERIFY THEACCURACY OF THESE DISPUTED ACCOUNT ( S ) THAN PLEASE DELETE IMMEDIATELY. AS REQUIRED UNDER FCRA 611 ( a ) ( 5 ) ( A ) ( i ). BY PUBLISHING THESE INACCURATE AND UNVERIFIED ITEMS ON MY CREDIT REPORT AND DISTRIBUTING THE TO 3RD PARTIES YOU ARE DAMAGING MY REPUTATION AND CREDIT WORTHINESS.

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 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I applied for a vehicle loan while I was serving in the XXXX XXXX. The lender, XXXX XXXX offered to finance me. Being that I was a high risk borrower they were the only ones willing to offer a loan. I purchased the car as well as full coverage and gap insurance. I made a few payments, one which one was late. After my late payment, the very rude customer service agent told me that any extra payment I would make ( I had added sometimes up to {$50.00} a month extra on my payments to go to principal ) would only go to interest and that was my only option. In the first week of XX/XX/XXXX I was home in Colorado having  finished my enlistment contract. I was blinded by the sun on the way to a Doctor appointment and hit a small parking lot cement divider. It was approx. 12 inches high. It totaled the car. I submitted the claim to XXXX who tried to pay the bank. XXXX would not take the payment and listed on my credit report as they repossessed the car. Which is untrue. They finally took payment from XXXX after I disputed the balance on my credit report. They now, over 3 years later refuse to take payment from my GAP insurance and still report my car as repossessed. If my car is repossessed and not totaled out, I demand to see the auction report. They are required to auction a repossessed car and provide me the amount left on the loan. But they can not do that because the car was totaled and therefore not repossessed. XXXX needs to remove the repossession off my credit profile before I sue them in civil court. I suggest if XXXX offers any consumer a loan, they walk away from the dealership. Walking around town and taking the bus is better than dealing with this corrupt company.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIDELITY CAPITAL HOLDINGS, INC (CA).
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: XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , CA  XXXX  PH :  XXXX  I Have tried to resolve this matter but no respond to me nor the BBB are the  XXXX  Credit Bureau. Yet the  Collection Agency  did another inquiry on my Credit Report  XXXX   XXXX    XXXX  .     Although they provided the service for me, they failed to properly bill my insurance carrier, which is  XXXX . Instead, they billed my secondary insurance,  XXXX , which would only pay what  XXXX  does not. I have repeatedly tried to resolve this issue but no avail. Therefore, since it is not my fault for their improper billing with my insurance carriers I hereby disputes this debt in its entirety and demands that you immediately contact your collection agency and cease and desist from your collection efforts and to have your collection agency retract any of adverse reporting to the credit bureau regrading this matter. I was not notify about this bill before you sent it to the collection agency, which show your guilty

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: XXXX XXXX, XXXX. Pursuant to FDCPA 809 I requested XXXX XXXX XXXX send me proof of the debt they say I owe as they are required by law, and also prove the debt is mine and valid via chain of title to the debt. They do not have/failed to provide my original signature in any documents. The " proof '' of debt they sent was a copy of an old credit card bill. Ridiculous and illegal. 

XXXX XXXX. 
With further harassment from the plaintiff multiple phone calls and visits from the sheriffs office and multiple attempts to seize funds from my bank-I am filing a second complaint and demanding proof of the debt they claim I owe. Immediately. I have sent this demand via registered mail. I also request no further contact from XXXX XXXX XXXX as I am considering legal action against them.

Company response to consumer: Closed with non-monetary relief