milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In  XXXX   XXXX     2017  I spoke with  XXXX   XXXX  and  XXXX  at   XXXX   XXXX  . I had two very specific questions and advised them both NOT TOO PULL MY CREDIT because it had already been pulled a month prior.  XXXX   XXXX  pulled my credit  WITHOUT my consent. It 's a recorded line that they clearly hear me saying not to pull the credit. I have an email between he and I stating the same. He claimed that my credit score would n't drop and that it 's the same as one months ago. I told him not to pull  the credit he did it anyway and my score has dropped  XXXX  points immediately as a result

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 09/15/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (NC).
Issue: Problems when you are unable to pay

Complaint: LOST JOB.. LATE 1 MONTH, NEXT MONTH PAID 2 MONTHS PAYMENT PLUS FEES. XXXX INTEREST ON PROMOTION TELL XXXX/XXXX/17. SYNCHRONY BANK SLAPPED {$270.00} WORTH OF FEES ON BILL. LOST JOB WENT ON PROGRAM ... NOW HAVE CASH TO PAY OFF PROMOTION. SYNCHRONY BANK WILL NOT WITH ME AND ARE GETTING READY TO HIT ME WITH DEFERRED INTEREST.

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 01-12-2017 about Money transfers (Domestic (US) money transfer) with American Payment Holdco, Inc. (CA).
Issue: Other transaction issues

Complaint: On XXXX XXXX, 2017 I requested a transfer of funds from my checking account at XXXX XXXX XXXX. This is normal activity for the past 6 years to transfer money electronically to my family members for various reasons. The company that handles the transfer is Popmoney owned by XXXX. The money was withdrawn from my account on XXXX XXXX. It was held for XXXX or 7 days. When I called XXXX I was told by XXXX XXXX that they XXXX had been advised by Popmoney that the money was being held by The US Federal Reserve. I called the Fed. XXXX and spoke to XXXX. He told me the FR was not holding any money. The XXXX refused to give me any information about the company that handled this service offered to members by them. I looked it all up on line. This company has no authority to hold my money for any reason. Their only role is to transfer the money between accounts as requested. They should be fined. I do not see a phone number for them. 
Here is the contact information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, WI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: After XXXX for Tenet Corporation for 15 years, I find this action appalling. I had XXXX unpaid medical bills that I was fighting with my insurance company about paying that I explained to them. I was never contacted by phone that I was being reported to the credit bureau. In the meantime, Central Financial XXXX reported me to the credit bureau for XXXX account 3 days before my home closing. I called and explained and spent 3 hours on the phone one day and another 2 hours another day trying to get it removed. This action has essentially ruined my life and these people did not seem to get it.

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 05-10-2016 about Credit card () with AMERICAN EXPRESS COMPANY (KS).
Issue: Delinquent account

Complaint: My account was locked which meant nothing can go in and nothing can go out but there was a deposit made into the account when it was locked

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Case number : XXXX Please note that I DO dispute the Bank of America response. The bank had no earthly interest in resolving the problem. With appalling inefficiency they asked the same questions time and time again and made me fax, email and send duplicate documents on a continual basis. This has gone on for many months even though they well knew that they would offer no relief. Their customer relationship managers insisted on making calls even though they well know that they had nothing to offer. They did this just to show that they were in contact. Bank of America refused the simplest request which was to change the due date from the first of the month to the XXXX of the month, the reason being that I receive my social security payment the XXXX Wednesday of each month. When I complained and explain that their idiotic requests were impacted on the health of an aged person they paid not attention and continued their harassment. Hopefully the government can take appropriate action against banks that take advantage of the consumer. If the bank would have told me immediately that they could not give relief I would have accepted their decision.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 02/14/2018 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: Account information incorrect

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

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 02/29/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been fighting with Nation Star for a long time now, this company keeps giving me XXXX. I have been denied several times due to discrepancies on their behalf. I used to have a business before and they kept asking for proof of my business even though I had informed them that I had lost my business. They also denied me for not having proof of occupancy even though they had utility bills and much more under my name and property address. Moreover, this is my only property. I do not own or have any other properties. To make matters worse, I recently got denied for having negative disposable income. How can this be if I have a surplus at the end of each month. I have sent bank statements, my paystubs, and my expenses. I also got denied for a modification because according to them I did not submit enough information regarding rental income which I do not have as I live in the property myself. They also said that I had marked that my home was a rental property. How did they get this information? Again I do not even have renters or a rental property and I sure as XXXX never checked that I have rental property. When I called in to Nation Star several representatives refused to acknowledge the internal mistake. Finally, after threatening to involve my attorney general XXXX XXXX I was transferred to their escalation and was advised an internal investigation would be open on my behalf due to all discrepancies on their part. At this point I have not received anything in writing regarding my complaint with Nation Star therefore I am reaching out to you directly for help. I was supposed to receive the Clarity Commitment modification as part of the settlement from the Department of Justice from XXXX XXXX XXXX but before my modification was completed my loan was transferred to Nation Star. They were supposed to finish the modification on behalf of XXXX XXXX XXXX however that never happened. Thus me still being on the verge of being left homeless due to their incompetence. They refused to honor my modification despite providing proof I received from XXXX XXXX XXXX. Nation Star excuse was that the investor was no longer participating in the settlement. Please help me shed light to this unjust matter. I am tired of going in circles and not getting modified. Please I am begging for your assistance in this stressful matter. I do not want to lose my home. I should have been modified years ago, yet Nation Star continues to prolong my foreclosure so I end up losing my home. Thank you in advance for your assistance. I hope to hear positive news from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar approved XXXX XXXX for a hamp 2 mod. Letter dated XXXX XXXX to begin XX/XX/XXXX. XXXX XXXX did not receive letter. I called attorney XXXX XXXX for copy. Got it XXXX XXXX. XXXX XXXX makes payments directly from her XXXX payroll. She had to instruct XXXX payroll of her new payment amount. This took 2 weeks for XXXX to process the new payment amount. Payment was to be {$630.00} XXXX payroll multiplied XXXX by XXXX then divided by XXXX to get the amount to be taken out every pay. Even though that amount would be less than the XXXX every month Nationstar actually got more than the XXXX every month for XXXX months. Nationstar received XXXX pays in XXXX. XXXX x from payroll datedXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in the amount of {$260.00} for a total of {$800.00}. Then payroll payments in XXXX XX/XX/XXXX & XX/XX/XXXX of {$290.00} totaling XXXX, At the end of XXXX Nation star received XXXX when all they needed was XXXX. Then payroll payments of XX/XX/XXXX & XX/XX/XXXX of XXXX totaling XXXX. So Nationstar did receive {$1900.00}, whereas they only needed XXXX by the end of XX/XX/XXXX. I do believe they met the HAMP trial plan payments, even though the payments were partial payments. The Permenters demonstrate the ability to make the payments and should therefore honor the trial plan payments and provide a permanent modification under hamp 2. Also there are checks made payable to Nationstar on XXXX checks from XX/XX/XXXX. XXXX needs a written authorization from Nationstar to void these checks and disburse money to XXXX XXXX This was requested on XX/XX/XXXX. Nationstar still has not provided that written authorization. Had XXXX XXXX received the written authorization she would have had the money to make the full payment herself instead of using the XXXX payroll to submit payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This account has pass the statue of reporting as of XXXX2009. 
When a delinquent account is reported it is reported for seven years from the date of the original date of the first missed payment, which it clearly shows the first date of a missed payment is XXXX2009. 
I will fax the evidence.

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 06/13/2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (AZ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Navy Federal Credit Union, a bank that takes pride in claiming to take care of its service members. This is not the case whatsoever. They charge ridiculous amounts of banking fees, and delay processing any financial information such as deposits, linking accounts, etc. I have paid more in banking fees than ever expected after a fraud claim. The bank has done nothing to help but put me  XXXX  negative. Another paycheck gone to this bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-07-2015 about Consumer Loan (Installment loan) with Global Trust Management LLC (LA).
Issue: Problems when you are unable to pay

Complaint: I HAVE A COMPAN THAT KEEPS CALLING ME ABOUT A DEBT THAT IS NOT MINE. THEY HAVE THE WRONG NAME BUT KEEP CALLING ME AFTER ME ASKING MULTIPLE TIMES TO STOP. THEY ARE LOOKING FOR A XXXX XXXX. THAT IS NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Back on XX/XX/XXXX my mortgage was in the process of foreclosure, however during negotiations thru my attorney and XXXX XXXX XXXX 's attorney a resolution was reached to pay the back charges due and resume normal activity with mortgage, with no foreclosure and we remained in the home. This was completed sometime in XX/XX/XXXX. So for 6 years I have since made all payments as requested and per monthly statements I receive. Tax 's and XXXX is up to date. The last reporting date on my credit bureau, shows XX/XX/XXXX, and shows current under " payment status ''. But " account status '' shows " closed '', when the balance is XXXX from XXXX when this was worked out through XXXX XXXX XXXX, so balance as dropped as shown, I am not being given credit on bureau since XX/XX/XXXX, and this reports on Equifax and XXXX XXXX. I have called many times but can not get this resolved, and always have to speak to a automated person, or be transferred to someone else who can not help me, except they say " it takes time for updating '' Really? its XX/XX/XXXX, a year and half, since they lest reported. I am not sure why it stopped reporting, as it was reporting current payment but with a closed account?!? I am confused, and need this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Debt collection (I do not know) with Malcolm S. Gerald and Associates, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received repeated calls from this Malcom S Gerald & Associates. Every time I call them back, they do not answer and I have yet to speak to a live person. 
They have been calling many times and never leave a voice message. I do not know who this company is or why they are contacting me as I have never received anything in writing from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Transaction issue

Complaint: I initiated a transaction through bill pay and paid Capital One two times. Because of this, I contacted the cc on XXXX and asked that my funds be returned to me. I was told on the initial call that it would take 1-2 business days for the trans to be processed. It is now XXXX and I have spent hours on the phone with this company and my transaction is still not in my account. I was given several time tables throughout the process. According to their files, the transaction to return my funds was completed at XXXX on XXXX/XXXX/15. The bank they are transferring the funds to is XXXX Bank. Historically, all transactions appear on the homepage of my internet banking as pending as soon as they arrive at the bank. I have been on a number of conference calls with Capital One and XXXX Bank to confirm there is no transaction for the refund of {$480.00}. Today I spoke with XXXX ( id # XXXX ) who told me he was the top of the line to speak with on the phone. He was unable to transfer me or give my information to his supervisor to have them contact me. He also told me that my bank needed to contact XXXX which is the XXXX party that processes the ACH, because Capital One has done everything they can do on their end and are now washing their hands of responsibility. They gave me information to FAX an escalation letter for complaint but that it is now XXXX responsibility to make sure that I get the funds transferred into my account. While customer service representatives have attempted to be kind, none of them seem to project any sense of urgency ( with the exception of XXXX, who escalated my refund transaction to be processed in the first place after the maximum number of days XXXX. I have been promised a number of times that I would receive a call back from someone and have not received those calls. Capital One has always been helpful in making sure they are accommodating when it comes to them gettting their funds but now that I need my funds, it is no longer their problem.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX I went through a divorce which caused some financial hardship. In early XXXX I entered the loan modification program with Bank of America. At that time I was only 30 days past due, but of course, they informed me that I 'd have to let my account go 90 days past due in order to qualify for a modification. It took them a staggering 3 full years to complete my mortgage modification. This destroyed my credit due to now having a severely past due payment history. Even after entering into a trial payment period agreement, which was supposed to take 3 months, they still took an additional 15 months to execute the modification. I applied in XXXX or XXXX of XXXX and my mortgage was ( finally ) officially modified in XXXX of XXXX. 

This destroyed my credit since mortgage payments carry so much weight. So recently I disputed their reporting of my payment history as inaccurate through the credit bureaus, but of course, Bank of America provided documentation and the credit bureaus refused to amend it. I then spoke with someone in escalations at Bank of America and they still refuse to correct it with the credit bureaus even though they acknowledge that it took them 3 years to execute a modification and even though we agreed that it could affect my credit for 3 months, not 18 months. Their incompetence is preventing me from even being able to get a vehicle loan and it has negatively impacted my credit score significantly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: We finally modified our mortgage with Bank of America. After 3 years of trying, it worked. This was a painstaking 3 year process with lack of communication from our servicer. We signed our permanent modification in XX/XX/XXXX. We received our bill for XX/XX/XXXX with no problem. Our XX/XX/XXXX invoice came with an additional charge of {$100.00}. It stated additional attorney fees. I have called my " single point of contact '' now XXXX times with no return call waiting for an answer about this. If I decided after I signed a contract, my amount was wrong, I am sure I would still be held accountable. How can they sign a contract and agree on an amount and then charge me more? Furthermore, they will not return my phone call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/27/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX and after working with my lender BSI Financial Services for over 3 years to obtain a modification my property was sold at auction on XX/XX/2017 located at XXXX TX, now I am facing eviction and i have no where to go. I am XXXX years old and would like to keep my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OR).
Issue: Settlement process and costs

Complaint: We have been trying to sell our home. The title company has requested Ocwen to supply a reconveyance or payoff of XXXX $ balance of the XXXX mortgage for the past XXXX days. Ocwen has been nonresponsive. The XXXX mortgage is paid in full and the account is fully satisfied. We are trying to sell the home to pay Ocwen and satisfy all accounts but they have been non-responsive to the requests or providing false and/or incorrect information. We have prolonged the closing dates several times.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: I paid a contractor {$550.00} with check # XXXX and he cashed this check on XXXX XXXX, XXXX. This person then redeposited the check on XXXX XXXX, XXXX, by changing the date to XX/XX/XXXX and Wells Fargo accepted it. I reported this theft on Monday, XXXX XXXX, XXXX and not a single person at Wells Fargo has been able to recover this money for me. 
I need someone to please help me with recovering this money stolen from 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 monetary relief
Consumer complaint received 09/19/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Our mortgage company Select Portfolio Servicing is horrible at helping their clients save their homes. We have been fighting with them since XX/XX/XXXX to save our home. We have tried everything from modification requests, bankruptcy, repayment plans and we have been turned down on everyone request. XX/XX/XXXX we had {$20000.00} to put towards our arrearages and SPS denied us any kind of modification. We have talked to so many different agents and got different answers to the same questions. One agent would say yes you can and the next would say it 's too late after all the paperwork was done. They need to be retrained so the left hand knows what the right hand is doing. We are now working with an HUD counseling agent who gave us this website because she agrees that we have been given the run around and with our income and the money we HAD to put towards our arrearages that we should have been given a modification plan. We would like an investigation done on their practices because we are not the only ones that have been denied or are having the same problem.

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