milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have made more 3 types with Experian, XXXX and XXXX XXXX to update my personal address to my credit reports. They continued to denied my request. I also advised that any social security numbers that have listed to my account are to be removed and they have not compiled with request. Also, they are listing multiple contact phone numbers to my report. And I advised I have no numbers listed. I see that here you state not to list personal information in compliant as to have them update account. Please can you assist to have it updated and request to show updates to my report. 

Thanks, 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 non-monetary relief
Consumer complaint received 05-08-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Well Fargo will not/refuse to send the trms of my loan. While in bankruptcy, Wells Fargo agreed to do a modification with me. Bankruptcy lawyer agreed and I agreed, so I made the XXXX payments on time and continued until XXXX 2015 Wells Fargo stop taking my payment and could not tell me why, so now I have to file bankruptcy again because they are sceretly trying to take my home away from me. I am humilited, frustrated, and depressed. Is this the way they do business ; saying I was a fraud, is this XXXX ... what is this and why is this going on, again they are ruining my livelihood and my credit. The Home Preservation Specialist Department, I can probably name at least XXXX or XXXX if not more. They made a mistake admitted to the mistake and will not own up to it ; I have documentation. Am I an XXXX to them, well I think so for even doing business with them in the first place the whole department need to be fired and have dedicated workers that will work for the people, they are there for a paycheck not to help people. Wells Fargo gets up every morning " whose life can we ruin today ''. I have all ready faxed this information to you and since then I have received more documents. My home is not in foreclosure, but I have file for bankrupcy again. You all ready have these documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Bank account or service (Savings account) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (VT).
Issue: Account opening, closing, or management

Complaint: I have an Health Savings Account ( HSA ) at People 's United Bank established when I worked for a previous employer. I have not made deposits or redemptions from this account for over 3years. The balance of the account is less than {$1.00} ( actually {$.00} yes that is correct XXXX CENTS ). I received a notice from People 's that the account was dormant and that they were going to charge an " inactivity fee ''. I called People 's customer service number to close the account and was told I need to do it in person at a People 's Bank branch. I then sent People 's a letter indicating I wanted the account closed and received a reply that a notarized copy was required. I have received today a notice that People 's bank has charged me an " inactivity fee '' and the balance is - {$3.00}. I called People 's again and asked that the account be closed and was told again that I need to visit a bank branch to do so. I do not understand why closing the account either online or verbally is an issue. I refuse to take time away from my life/job/family for less than a DIME. I electronically signed documents for other lenders ( a $ XXXX car loan for example ), never setting foot in the credit union branch - How can closing an account that holds {$.00}!! be so difficult?

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-12-2015 about Debt collection (Federal student loan) with GC Services Limited Partnership (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My name is XXXX XXXX XXXX. I 'm getting mail to my home address at XXXX XXXX XXXX XXXX, SC XXXX. But the name is XXXX XXXX XXXX is not me and I havnt been to school after high school and I do n't want my credit ruined because of this! The clients name is XXXX XXXX XXXX XXXX. Acct # : XXXX Balance Due : {$6600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: When I went to court they told me that since i wasnt on lease I could n't answer the would n't add me to judgment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2018 about Debt collection (Other debt) with Conn's, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My complaint is regarding XXXX XXXX XXXX. Cons headquarters is located at XXXX XXXX XXXX XXXX Texas XXXX. Cons phone # XXXX. The CEO is XXXX XXXX, COO is XXXX XXXX and CFO is XXXX XXXX. 
This complaint is surrounding Cons failure to clarify exactly what the terms of the agreement created XX/XX/XXXX. I have been a long-standing customer of XXXX XXXX XXXX since XX/XX/XXXX. My complaint is regarding Conns account # XXXX ; monthly payment of {$94.00}. 
In XX/XX/XXXX, I received a solicitation letter stating that my credit limit increased. I called the number provided and spoke to the credit department who confirmed my limit was $ 3000.00+. At that time my # XXXX balance was little under {$300.00}. With the increased credit line, I purchased three items. Unbeknownst to me, the credit increase was not added to the existing balance. Conns created a whole new loan, account # XXXX, with a payment amount of {$190.00}. 
Once I realized what occurred I called customer service. Records should show the several attempts to resolve this matter directly with Conns. I explained on each occasion that I could not afford to pay for two accounts with the payments totaling {$280.00} a month. The reason I was given why they could not combine the accounts was because # XXXX balance was under {$300.00} too low per their policy. 
Conns is reporting negative data to the Credit Bureaus. Im trying to improve my credit score ; this issue has damaged my credit. Since this debacle, I have made two small payments toward the old account # XXXX. The new account is current with a next due of XX/XX/XXXX iao {$190.00}. To add insult to injury, Conns default group calls me daily, sometimes as many as 12 times a day including Sundays. 
This complaint is regarding XXXX XXXX XXXX, customer service, collection, credit and financial departments. I am requesting that Conns move the current balance of {$170.00} from account # XXXX to account # XXXX. Also remove any late fees and negative reporting from all three credit bureaus. I ask this since the terms of the new account regarding my old account were not clearly explained to me at the time of financing.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (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: have a lot of unauthorized charges.  Discover Card is  determined to charge me for these things I 've never heard of. There is no " documentation '' that can possibly exist that I made these charges because I did n't. I 've never been to any of these places. I did n't buy anything and did n't receive anything.        XX/XX/17      XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  NM {$54.00}  XX/XX/17      XXXX   XXXX   TX {$38.00}  XX/XX/17     XXXX   XXXX   XXXX   XXXX  NV {$41.00}  XX/XX/17      XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  NM {$54.00}  XX/XX/17     XXXX   XXXX   XXXX  AZ {$57.00} I figure my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Payday loan, title loan, or personal loan (Payday loan) with GVA Holdings, LLC (PA).
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint: As of XX/XX/XXXX, the complaint that I had filed with GVA holdings via CFPB was closed after GVA agreed that my account was closed as a " courtesy to me. '' Today, XX/XX/XXXX, I have discovered that {$100.00} was pulled from my account again and when I called they claim there are no notations on my account and that I am to pay till MAY! I sent them a copy of what they had responded and await a response. In the meantime I am $ -XXXX overdrawn and this should not be.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Making/receiving payments, sending money

Complaint: I was banking with Bank of America a few months ago and I lost all of my banking information. I have all of my banking information written down so that I wo n't forget it. It was the last week of XXXX and the last transaction I made with my card was on Monday XXXX, XXXX. I did n't know that I lost my information until that Wednesday XXXX, XXXX. When I was unable to log into my mobile app I contacted the bank and I was told that my atm was reported lost. I know that I did n't report my card lost because I did n't realize it was lost until the day I contacted the bank. As the weeks progressed I started to receive documents from Bank of America of bogus checks that someone tried to deposit into my account. Once again I know that I did n't authorize these transactions and also my signature was forged onto the checks. I tried to file a claim with the Bank and I informed them that I lost all of my information, and my claim was denied because whoever used my information did it through the mobile app, so it looks as though I self compromised my account which I did not. Due to this incident I am having an extremely hard time opening up a new bank account due to some else using my information. I really would like to get this resolved or removed somehow because as I 've stated previously I was not aware that I lost my information until I was unable to log into my mobile app and I started received all these different documents and things to my house.

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 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted discover about fraud account opened in my name. They did not get back with me and refused to do anything about the account.

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 09/25/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (TX).
Issue: Fraud or scam

Complaint: I have an account with PayPal and they keep holding my money in my account for no reason. I have to keep calling them to release funds. Then they argue with you why they can not do it.
First someone brought a phone on XXXX from me on XX/XX/XXXX for {$140.00}. Instead of giving me the money for the phone. PayPal put a hold on my account for {$160.00}. After calling the 1st time they said they was only going to release {$15.00} ( on a {$150.00} purchase ). Then release the rest of the money in 21 days. So I decided to cancel the order. Then PayPal said they would n't refund the buyer because I had a negative balance. Even though I did n't, because PayPal put more holds on my account than what the transaction was. So after calling a 2nd time they removed most of the hold and released {$100.00} but left the {$50.00} to be released 21 days.
Second today XX/XX/XXXXPayPal locked by account talking about I owe money on an old account from XX/XX/XXXX. Over a year ago. The debt was settled through a collection agency. But now they are trying to collect on the debt a 2nd time. Now I have no access to the funds remaining from the transaction listed above.
PayPal is scamming people. They hold people 's money on purpose so that PayPal may make interest on our money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2016 about Bank account or service (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Problems caused by my funds being low

Complaint: BMO Harris has charged my checking account an overdraft fee after the account was in the positive status. BMO does not have an alert system when accounts are overdrawn and I have overdraft protection. When the account is not funded transaction are not suppose to go through, they allowed the transaction to post to my account. Once I became aware of the negative account status I transferred funds into the account. BMO Harris sent me an email today stating I have an overdraft fee after I already brought the account back to a positive status.

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 07/27/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a call from a person who did not identify them self or the company they worked for and informed me, that I owed XXXX bank money for a credit card. I informed the person on the line that, I have never had a XXXX credit card and that- if I was to pay the card she must provide me with some proof that I owed that money. I was informed that I opened the card in XX/XX/XXXX and must make arrangements to pay or I would be taken to court for the payment. I responded, " I have never had an XXXX credit card. I do not know who you are and what company you are calling from. If you want to get any money from me send something in writing or take me to court. Because, I know I have never had a XXXX credit card. '' I had not heard nor received any thing from this person who did not identify herself or the company she was representing until. I was served with a court summon that I was being sued by XXXX as Bank of assignee of XXXX XXXX XXXX XXXX XXXX, XXXX./XXXX , XXXX The problem I have with this is : 1 ) the person who initially called me misrepresented herself and the company in which the debt was owed. 2 ) XX/XX/XXXX, XXXX wrote off this bill. Thus leaving a balance of zero owed. 3 ) The original bill of sale was from XXXX XXXX XXXX to XXXX XXXX XXXX, XXXX 4 ) The XXXX bill of sale was to XXXX. 5 ) XXXX has no documents with my signature proving that this is a valid bill that belongs to me in the court documents filed. They purchased the loan XX/XX/XXXX. Why has it taken 3 years to contact me regarding a bill that they say I owe. I have received no correspondence from this agency regarding this bill. I have had the same phone number for the last 4 years. 6 ) This bill was sold and purchased in XXXX, I am not sure if they are legally able to operate in the state of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I am complaining about PennyMac. They refuse to review my documentation for a mortgage solution. I have completed a full borrower 's response package and I am ready to submit. They are taking financials over the phone and only will do a repayment option. Are they confident I calculated my income and expenses correctly? They told me there are no imminent default programs for FHA. I reviewed www.hud.gov and they do offer assistance. FHA does have imminent default programs available. They made the gesture that I must fall delinquent by 3 months in order to get assistance and then only it is not guaranteed. I am currently in Chapter XXXX bankruptcy and they told me that no credit reporting is taking place ( not true ) and no late charges accruing ( not true ). The mortgage is NOT being paid through the bankruptcy plan. They offer no fax number to submit a borrower 's response package. I need help for them to comply. There is no reason to make this go on as I am in good faith trying to get help. The 90 day rule is during or prior to the financial crisis and HUD has changed their guidelines. I need a list of the current documents I need to submit in my situation in Chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: I have a HSA account with Bank of America, I called to close my account. 
The first lady said no problem, she would transfer to to my BoA checking account, should be in there the next day. 
The next day it was n't in my account!! 
I called and the next lady said there was no record of me calling. 
I explained to her what the fist lady had said. 
She said no it would take XXXX to 7 business day. 
no way to speed up. 
Jus another way to hold on to your money.

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 03-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The XXXX account # XXXX is showing a negative 30 day mark on my credit report for XXXX. I have called them to dispute this multiple times as I was not aware that a payment had not processed. As previously stated to them, this was set up on auto pay with my XXXX account, NOT home depo, and for whatever reason did not get to them. When I was notified, I immediately paid the account and it is even paid in full/off. XXXX XXXX had very good customer service and understood what happened, they refunded all the fees and late fees associated with the error. I appreciate that, however I do not feel this should have been reported on my credit report. I have talked to multiple representatives after, and they all advised that once reported they cant remove. They again proceed to say we updated everything on there end and credit me any fees, however I am disputing the 30 day late reporting on my credit report. I kindly ask you please remove or advise what next step I need to take as I strongly feel this was incorrectly reported.

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 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have sent several certified letters to XXXX, experian and XXXX multiple times asking them to verify this chapter XXXX bankruptcy information in my credit report. Each time they send me a letter stating that the BK is valid as per third party source. I then sent a letter asking as to whom they received the information, again I get a letter back stating a third party source. I then contact the court system, they tell me that they do NOt. Report anything to the CRA and nobody called them to verify any information! I want this acct removed from my reports immediately as they did not follow the fcra!

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 11/22/2016 about Debt collection (Payday loan) with ALLIED NATIONAL INC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: a person who said that they were working with XXXX pay day loans said that I owed them money. I have never had a pay day loan in my life. 
XXXX

Company response to consumer: Untimely response
Consumer complaint received 04/21/2017 about Debt collection (Medical) with Professional Finance Company, Inc. (WY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: My husband and son, who have same name, both had procedures done about the same time at a  XXXX  center in  XXXX   XXXX , Co. I was making payments to them and believed I had made last payment just before received a notice from PFC in   XXXX  . I thought they cro ssed in the mail. For four y ears did not hear a thing, then received a collection notice with an extra {$100.00} dollars attached to it. Yes we did owe the original bill, but I believe this to be an under handed tactic to attach more money to the bill to wait four years to attempt to make contact. Our address and contact information never changed. Maybe barely within the law, but very shady. Should not be allowed to do business this way.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Trouble during payment process

Complaint: Additional details and documentation attached ... 

Approximately 10 months in on a 30 year FIXED rate mortgage. The loan servicer " Ocwen Loan Servicing, LLC ''. Has informed us that they are changing / increasing the amount of our Principle & Interest payment??? 

Although a minor increase. We were informed from the start that a 30 year fixed rate mortgage is exactly that - Fixed!!! This is NOT an escrow issue ... They are increasing our interest payment. 

We feel this may be the tip of the ice burg! Ocwen services millions of loans and may have been doing this for years to millions of other borrowers! 

XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation