milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX # XXXX Date Opened : XXXX/XXXX/XXXX Date Closed : XXXX/XXXX/XXXX Original Loan Amount : {$3500.00} I was in a 6 month FORBEARANCE from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX. 
As of XXXX XXXX I had the loan payments deferred. There is no way that this account should be reporting as 60-120 days past due. This incorrect reporting has a negative impact on my credit and I 'd like this incorrect reporting corrected. They are also reporting this account with a current status of paid/current when in fact the account is PAID/CLOSED as of XXXX/XXXX/XXXX This account needs to be corrected and updated immediately Current reporting by Transunion Current status : paid as agreed/current ( the account was PAID/CLOSED on XXXX/XXXX/XXXX ) XX/XX/XXXX ok XX/XX/XXXX 60 days ( how did it jump from ok/current to 60 days in 1 month? ) - I was in Forbearance XX/XX/XXXX 90 days - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance XXXX 120 - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance

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 11-10-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: Wells Fargo at an alert so my neighbor on the reasons or for requesting a cashiers check I 'm not 100 % sure what exactly happened but they refuse to explain to me and only will keep my account open for 10 days they stated that it was fraud how was that bra when I requested it I 'm sorry it was a temporary check.I just need to set up a XXXX I was going to deposit the money wired to the bank closing they actually spoke with my fianc was on the account and stated that they will fly both our names there was no integrity courtesy collaboration no no anything to try to help us resolve this issue. they also still send us emails about the accounts at one point we thought it was open but it was n't so we never understood what we were still getting email it was 100 % discrimination against my fianc

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 10/19/2016 about Mortgage (FHA mortgage) with ROYAL UNITED MORTGAGE LLC (NY).
Issue: Application, originator, mortgage broker

Complaint: This complaint concerns gaps in communication between my loan officer XXXX XXXX of Royal United Mortgage I have been approved for a refinance of my property at XXXX XXXX XXXX and have complied with all the requirments in terms of submitting XXXX, etc. He does not return phone calls or e mails. I am in limbo so I am not sure if it is thumbs up or thumbs down. If it is now thumbs down I can quit wasting time and go to another lender

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Hello, I have recently discovered a large issue with my XXXX XXXX/Care Credit account. They have charged unauthorized card security fees labeled as " Card Security XXXX. '' Synchrony/Care Credit said they would investigate and it may take up to two weeks. Also said they would send me the paperwork proof I signed up if available. So obviously they are going to make up some paperwork or they 've snuck in the agreement to this somewhere in a very sneaky way. Regardless of either of those things, I never willingly or consciously agreed to anything of that nature. I never have and never will. The charges are currently {$42.00} per month but are based in a small percentage of your balance. For some reason only statements after 2016 are available, but the charges date back at least that far. After all this time I have just now discovered this. In addition, I have paid interest fees as a result of these card security fees. The fees have caused me to pay $ XXXX monthly in unnecessary interest. My balance has stayed roughly the same for years because of all this.

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 12-03-2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (NC).
Issue: Trouble during payment process

Complaint: Dear CFPB, This medium is to seek CFPB intervention in a situation that we found ourselves with Freedom Mortgage. 

We bought our house in XXXX XXXX that was financed by XXXX XXXX but was later transferred to Freedom Mortgage. In XX/XX/XXXX I started get several calls from an XXXX number unknown to me at the time that it was Freedom Mortgage calling day and night, which I returned the call but while talking to the agent that picked my call, she mentioned that my monthly payment has gone up by XXXX dollars. I informed the agent that I did not get any correspondence about the change, the agent admitted that they did not send any letter or email. After speaking to the agent I begin to pay the extra XXXX dollars. A month later I received a bill that we owe two months ... .I always send my bill 10 to 12 days before the due date. 


Two months after the XXXX dollars increase they send another letter that my mortgage will go up again by another XXXX dollars starting from XX/XX/XXXX payment. Speaking to several people at this company have produced a lot of run arounds and misleading information. I was told that the XX/XX/XXXX increase was from my State NC requirement which I called NC State and that was not a truth which Freedom Mortgage customer relations XXXX XXXX also attest to it not being the truth. 

I have spoken to Freedom Mortgage customer relations personnel that told me that all the fees on my account has been removed but to my surprise Freedom Mortgage has used one of my monthly payment to pay the fees and keep the rest in one account which is making my account look like I am one month behind. I have all the bank statements that shows that I make payment on time and regularly. 

Your help on how Freedom Mortgage will reset my account back to normal will be greatly appreciated. 

Thank you in Advance. 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Balance transfer

Complaint: Applied online for a balance transfer credit card, XX/XX/XXXX. Was informed that information would be sent, not informed of approval until materials received on or about XX/XX/XXXX Beginning of XX/XX/XXXX realized new account had paid maximum cash loan line to previously identified card. Billed for this on XXXX, statement period closed XX/XX/XXXX. Received bill for cash payment on account and transaction fee while loan terms were for no payments on balance transfers until XX/XX/XXXX, at 0 % interest. Customer service was unresponsive, claiming that various methods of application other than online could have led to different results. Loans approval paperwork and first payment request indicate balance transfer offer on loan transfers XX/XX/XXXX and no payments, no interest until XX/XX/XXXX. I have filed a report to Florida State Attorney General 's office this date. Please advise of further course of action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Using a debit or ATM card

Complaint: I have a checking account at Wells Fargo and have specifically asked that I be 'Opted-Out ' for overdrafts on ATM and one time debit card transactions. 

On XX/XX/XXXX I withdrew {$40.00} from the Wells Fargo ATM. The ATM screen told me that I was trying to withdraw more than the balance in my account and I would be charged a {$35.00} fee. I accepted but did not expect the fee to be charged ( I thought this was a standard alert message ) since under Reg E the bank was not allowed to charged an overdraft fee for any ATM or one-time debit card transactions that were approved into overdraft. 

Thinking this was an error I did call Wells Fargo ( XXXX on Thursday, XX/XX/XXXX at XXXX ). who was very condescending and said that it was my problem since I had clicked to continue the withdrawal at the ATM. 

This seems unfair for the bank to say that I am opted-out ( under Reg E ) and then charge me a fee when I accept the withdrawal at the ATM. At that point they had me in an untenable position and took advantage so that they could get the fee income.

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 10/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: XX/XX/2017 Amount of Interest Charged= {$27.00}. No Action taken by Credit Card company. 

My XXXX XXXX XXXX Card was paid in full and Credit Card company not willing to credit excess or fore say extra interest on my account. They just assumed this is the way to make money and did not offer any courtesy credit for loyal customers paying off there credit cards. Very deceiving as I thought paying off my credit card means XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: I was diagnosed with two different types of XXXX in XX/XX/XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX and a XXXX XXXX XXXX XXXX., XXXX on the XXXX scale. 
I went through XXXX and XXXX XXXX XXXX XXXX, the longest 9 hours, to make me a new XXXX.Also 30 nights in hospitals My adjustable loans were planned to become fully amortizing around XX/XX/XXXX. 
In XX/XX/XXXX, I called, went down to the branch, a year ago and wrote to bank of America for a modification to get me back on my feet ... now a full 3 years later it looks like I have beaten both. 
I have been moved from associate to associate and repeated times been asked for the same information, which was lost or " not legible. ( which I have always provided ) In the month of XX/XX/XXXX along, I called, sent e-mails and faxes over 100 times. 
I am 100 % on time with everyone on my credit report, inspite of what I went through. 
I have been a customer of Bank of America of almost 40 years and have never been late on a payment. 
I have heard many horror stories as to Bank of America telling customers, in a predatory fashion, that don't worry " we are here to help '' and the next thing you know they are foreclosing. 
I want to do the the right thing but I need another XXXX lb XXXX on my side ... I'm just asking them to work with me.When I ask for answers, help or a plan ... .they keep pushing out the potential for an answer another month..now we are to XX/XX/XXXX ... ..a full year since I requested assistance.This is not what XXXX XXXX had promised XXXX XXXX and I'm sure congress got the same reassurances from this gentleman that modifications would be handled promptly and the customers contact would be limited to one B of A contact ( I have had close to 10 ). 
Where is the help from tis company that I have been with 40 years ... I'm I becoming just another " mark '' for predatory banking.

During Hurricane Irma, I was given a three month forbearance ... .The Bank  representative said that that money would be put on the end of the mortgage ... I'm know getting indications that the money they differed is due now. This has to be rectified, as well. 


Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (Medical) with Brent D. Stamps, Attorney at Law (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Phone call was received, the medical debt collection agency identified themself as a law firm. No statement regarding this debt has been received and when asked for information he said he would forward it to the attorney. He continued to say this when asked for more information regarding this debt. And he said this XXXX times. He spoke to a spouse regarding this debt, which without prior authorization from me, the patient, I feel is a violation of XXXX. The caller was hostile, threatening and vague. When explained that there was no difficulty in paying the debt once we had received verification of their company, he continued to refuse to agree to send us any information in writing regarding this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I believe equifax has repeatedly ignored security loopholes in their system. Especially with as much personal information as they have available ... there should not be an issue like the hack happening.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: My score was XXXX then turned to XXXX sudenly XXXX month ago and I pay my bills in time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is a company named LVNV Funding reporting a collection account on my credit report, as I have a monitoring service. Well, I 've made an attempt to each this company, but apparently they have subcontracted the alleged debt to a subcontractor name Resurgent Capital. However, when trying to reach this company nobody seems to be willing to provide assistance, and it 's difficult to understand who actually owns this debt. The representative is extremely rude when I call is very disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (CA).
Issue: Trouble during payment process

Complaint: My home was sold on XX/XX/XXXX to Roundpoint Mortgage There was a overage in the escrow account. I placed a forwarding address with the USPS prior to XX/XX/XXXX and also gave Roundpoint mortgage my new address. 

They stated the overage check was returned on XX/XX/XXXX. Which I was not informed of till XX/XX/XXXX. 

They will not let me speak with anyone in the escrow department. And stated they can not find the returned check. They stated it will take another 10 days yo stop payment and reissue another check. I am currently unemployed and need the monies owed me.

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 05/17/2016 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Billing disputes

Complaint: Early XXXX 2016, we discovered an unauthorized charge on our Sam 's Club mastercard statement. The charge was dated XXXX XXXX, 2016. We immediately contacted the customer service department who then put a hold on the account and said they would mail out paperwork for us to dispute the transaction. Three months later we are still waiting on the paperwork to complete and despite numerous calls we have yet to receive the fraud paperwork. We are also told the paperwork is in the mail but yet nothing arrives. They also refuse to issue us a credit until the paperwork is returned and investigated. We do not know what else to do other than ask the CFPB to intervene on our behalf. My wife and I understand that there is a process involved to handle these transaction and that it takes time to complete. However, We do not feel Sam 's club discover is acting in good faith to try and rectify our claim. Please advise me what else we can do. Thanks in advance for your time.

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 12-02-2015 about Consumer Loan (Vehicle loan) with VW Credit (MA).
Issue: Problems when you are unable to pay

Complaint: HAVING AN ISSUE WITH XXXX CREDIT, MY ISSUE IS THAT MY CAR IS A LEMOM EVER SINCE I BOUHGT IT XXXX 2014 ALL IVE HAD WAS ISSUES I HAVE NUMEROUS SERVICE RECORDS AND MY COMPLAINTS AND ISSUES COMPLY WITH THE LEMON LAW. IVE CONTACTED BOTH COMPANIES AND NEITHER HAVE BEEN WILLING TO HELP ME. IVE HAD TO RESORT TO BUYING AN OLDER VEHICLE TO GET ME AROUND. IM IVE BEEN FALLING INTO FINANCIAL ISSUES NOW BECAUSE OF ALL THIS AND NEITHER COMPANY SEEMS TO CARE. IM HONESTLY RUNNING OUT OF OPTIONS AND IM ON THE BRINK OF HAVING THE CAR REPOSSESSED AND IM NOT SURE WHAT TO DO. I DO NOT WANT THE CAR BUT AT THE SAME TIME I DO NOT WANT MY CREDIT RUINED. I WAS IN THE PROCESS OF TRYING TO BUY A HOME AND I CAN NO LONGER BUY IT BECAUSE OF THE NEGATIVE INQUIRES BY VOLKSWAGEN CREDIT.PLEASE HELP IM NOT SURE WHAT ELSE TO DO.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I called the company with intentions on paying the debt thats on my current credit report which was {$340.00} and the company and I came to an agreement I stated that the damage was done would I be able to get a pay to delete being that if the debt is paid it will still reflect on my credit negative and the lady on the phone stated And if you dont pay this debt right now were going to keep on reporting negative and destroy your credit I felt intimidated and as if I was forced to pay the debt so I instantly hung up because I felt as if that was not professional at all

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: . I have tried to have the following item investigated by Experian. However, Experian, is NOT conducting a proper investigation. They keep reporting item belongs to me. XXXX CREDIT CARDAccount Ending : XXXX have received a letter which is attached from XXXX Bank which clearly states this was NOT my account. However, Experian refuses to conduct a proper investigation. 
Account nameXXXX/XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX identification XXXX XXXX .... 

Recent balance {$0.00} as of XX/XX/XXXXStatusClosed. {$240.00} written off. 

Date openedXXXX/XXXXDetailsNot mine or No knowledge of accountYou have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute. 
You may also submit supporting documentation for your disputes at

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/25/2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Commonwealth Financial System - A Debt Collector has put negative information on my credit report for a bill that should have been paid by VA. Almost ten years ago I went to a VA Clinic because of XXXX XXXX XXXX ( XXXX ). When I arrive at the clinic they were concerned that my XXXX and called an ambulance to take me to the nearest hospital. I told them that I would drive to the hospital myself but they insisted that it was n't safe and I must go via ambulance so I relented and was transported by the ambulance the called to a nearby hospital. Several months later I started receiving bills from the ambulance carrier because VA had not paid the ambulance. My wife contacted VA who agreed that the trip was initiated by them and would therefore be covered. Months went by and the bills started again. Again we contacted VA to request that they pay the bill. After nearly a year of going back and forth with them they explained that this coverage had not been paid because VA had restructured and this benefit was moved to a different department. We had to start the process over with them. After many months and tremendous frustration VA agreed again that they would cover the ambulance ride. We believed that after 2-3 years of working through the bureaucracy that this was finally taken care of. In XXXX of 2016 according to my credit report Commonwealth Financial System a Debt collector is trying to collect on the ambulance ride provided by VA again. I explained all of this to them but they are unwilling to remove it from my credit report. I asked them if they had anything signed by me saying I was responsible for the debt. They said " no '' but they are not going to remove this fraudulent collection unless I pay the bill. I am a vet who 's credit is being hurt because VA has not paid has somehow not paid a bill that they created and Commonwealth Financial System is holding me hostage for the money.

Company response to consumer: Closed with explanation