milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-09-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have a Fleet Farm Credit Card which is held by XXXX XXXX. On XX/XX/XXXX I contacted XXXX XXXX to pay off my credit card in full. I submitted my payment with the lady on the phone and she gave me my confirmation number of XXXX. My account had the amount of {$330.00} withdrawn from it on XX/XX/XXXX. I received a letter stating that my account was past due on XX/XX/XXXX. I then contacted XXXX XXXX to ask if it was a mistake or if their system sent it out to early and XXXX informed me that our account was still delinquent and showed a balance of {$330.00}. I then gave her a our confirmation number and was put on hold for 26 minutes to only get the response that they do not know where the money went if it was truly paid and that it could take up to 10 business days to reflect on our account and to call back then. I waited longer and contacted them back on XX/XX/XXXX. I spoke with a rep and directly asked to speak with a manager and she proceeded to want the details to relay to him so I gave them to hear to have her respond with " Sorry Sir, I understand your frustration, but I ca n't help you with this '', in which I responded " Thank you for wasting more of my time, so please get someone who can handle this situation ''. I then was put on hold for 25 more minutes to get greeted by XXXX ( who would not give up his last name ). I then had to repeat everything to him and ask him why my card still showed a balance on it. He then stated that they have no proof that I paid the card off, so I gave him the confirmation number AGAIN, to which he stated that he saw that in the system, but no payment was reflected to it. I then asked him what is a confirmation number for. He laughed and stated " Proof of Payment '', to which I responded " So you have proof that we paid it '', to which he laughed again and stated that it is not in their system or if it was " Truly Paid '' they do n't know where it was applied. He then told me that I needed to send proof of payment via a bank statement. I told him that I had it pulled up and could email it to them. He then stated that they have NO EMAIL! Who has no email? I then cooperated with his request and told him that I would print it and send it to them. I sent them the statement on XX/XX/XXXX and contacted them today, and was told that they never received the statement! I then asked the female rep to speak with a Supervisor and she said I need to put you on a brief hold. I was put on hold for 49.32 minutes to then have them disconnect the phone from me. I am beyond amazed of the rudeness, un-tactfullness, disrespect-fullness and no care for customer service that this corporation has HIGHLIGHTED in this simple problem.

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 01-04-2018 about Vehicle loan or lease (Loan) with Bridgecrest Acceptance Corporation (OH).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I have such a problem right now. I have been with this company for over 3 years, I fell late due to job loss. I filed a complaint with the better business bureau and was put on payment arrangements. I was told XX/XX/XXXX that everything was good. I continued to make my payments, I logged on XX/XX/XXXX to make my regular payment and the automated system says they ca n't find my account. I reached out the customer service department and was told that my account had been charged off, due to non payment. The last payment I made was XX/XX/XXXX. I want to make payments on this and had advised that many times. The company has offered me no help at this point, I never once got a letter or a phone call saying this was happening to me. The last phone conversation was with XXXX on XX/XX/XXXX, advising me that the charge off would not happen and then it did. I do n't feel like this company has done me fair at all. If you are going to charge off someone 's account then at least tell them, no email, no phone calls and no letters, the customer service person advised she thought someone tried to reach out to me on XX/XX/XXXX. But said there a lot of calls in XX/XX/XXXX, yes I know I made most of them while filing a BBB 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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was looking at my credit report and noticed that it was some inquires on my credit that was not authorize by myself. I have contacted the credit bureau to inform them of the inquires and then was told that the inquires could n't be removed until after 2 years. The company and dates are as follow, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX.XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. This is all from XXXX Credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am complaining that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, of which by law, I have the right to request who they are " verifying ''. They are holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company offered me a payoff settlement in 2015 for 50 % of the amount owed. The problem was they sent it to the wrong address so I never received the offer. They purchased a HELOC loan so I 'm not sure why they would n't have sent the letter to the address associated with the mortgage. I tried to get a new settlement offer this year and they asked me to submit financial information and also complete their settlement application. Upon reviewing my application, they offered me a payoff " settlement '' for 99 % of the amount they say is owed, which is comprised of the original principal amount ( $ XXXX ) plus an additional 50 % of the original principal amount in just late fees and interest. They purchased my debt from another company and have continued charging me interest even though the original contract states that I am to receive a statement for every period in which a finance charge is assessed. They have never complied in that aspect and are unwilling to work with me to help settle my debt. In addition, they are reporting my account to the credit bureaus as a mortgage account instead of reporting themselves as a debt collector.

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 11/20/2017 about Debt collection (I do not know) with ALLY FINANCIAL INC. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 've gotten repeated voicemails for a distant relative with a different last name, who has never lived at my address. The company says they are Ally Financial. I 've never done business with them or ever heard of them before this. They called my daughter on her work phone and my son in the XXXX XXXX XXXX. They 've never done business w Ally nor lived with the person Ally is calling about. I most recently got a voicemail at XXXX today, even though I blocked their number on my cell phone. 
I do not use private unscrupulous lenders such as this company ... i looked them up online ... i only ever use highly rated credit unions and banks. I 've mentored those with credit issues when I was a XXXX XXXX and deplore the tactics used by companies like Ally. I want them to be punished to the fullest extent of the law. And they better never call me or my kids ever again.

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 12/28/2016 about Student loan (Federal student loan servicing) with Brelvis Consulting, LLC (AR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was solicited by a representative from The Student Loan Help Center, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX the representative solicited funds to help consolidate my student loans and I just recently was notified by the servicers of the loans and they are not consolidated and I have to pay more money to them than what was discussed by the representative at The Student Loan Help Center. I am paying XXXX organizations for my student loans which has placed me in a serious financial bind and my student loans are still not paid off or my payment is very high. 
This has caused severe financial hardship for my household as a single mother of XXXX. Please help me with this matter and the return of the charge of {$1200.00} that The Student Loan Help Center charged me for a service that I did not receive.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/16/2016 about Mortgage (Conventional fixed mortgage) with METROPOLITAN HOME MORTGAGE, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: XXXX NMLS # XXXX charged our credit card {$450.00} without our knowledge or authorization. The re-finance was never completed, we were denied, and now just lost the {$450.00} they charged us plus loss of time and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (DE).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX 2013 through my realtor, I began the process of seeking short sale approval for my property located in XXXX, FL. The first mortgage lien holder is US Bank Home Mortgage. The second mortgage is held by XXXX XXXX XXXX. I have been co-operating and patiently waiting- as I would much prefer a short sale over foreclosure. I do not have liquid assets available to settle a deficiency balance. After months of waiting US Home Bank approved me for a mortgage modification rather then a short sale. Each time I declined the modification and advised I needed to do a short sale, because I am no longer able to maintain the home. It has been vacant for over 3 years. After additional waiting, US Home Bank would come back with a counter offer- demanding a higher sales price than the buyer had agreed to on the sales contract, in order to complete the short sale. As of now, I have lost all XXXX buyers that had previously been under contract. I am now starting the 4th round of this unending situation, we do not have a new buyer yet. It appears that I am never going to be able to complete the short sale. I have fully co-operated and provided every document and answered every question asked by US Home Bank, then making me wait 9 months to a year, to hear that a higher sales price is being demanded is unreasonable. I need help. I need someone to intercede and for US Home Bank to get the short sale completed within a reasonable amount of time, and to not change the terms of the short sale at the final hour.

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 09/17/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX Fl XXXX Equifax Information Services , LLC . 
XXXX, GA XXXX XXXX Dear Sir or Madam, I am writing in regards XXXX XXXX XXXX and XXXX XXXX account on my credit report. On XXXX/XXXX/XXXX I have file complain to the CFPB I sent a letter explaining the situation. 

All this accounts have been process and closed in XXXX not in to XXXX and the discharge date was XXXX not XXXX. 

In addition it has been 8 years seen this Loan were reported to the Credit Bureau. 

My Understanding was that Art institute took XXXX loans and the XXXX of XXXX XXXX and clears this loan in XXXX. However on my credit Report it appears XXXX loans from different agencies. 

I 'm requesting this loan to be remove from my credit report. 

I have enclosed copies of all my records correspondence. 

I look forward to your reply and resolution to my problems. Thank you for the opportunity to clarified this issued. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Other debt) with CL HOLDINGS LLC (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: N/A unsure of where these numbers came from

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Midland fiance company contacted my brother and gave him my debt amount and last XXXX digits of my social security number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: I have been trying to resolve this matter with XXXX XXXX with no success for quite some time now ; submitted formal dispute via the major credit reporting agencies, and XXXX XXXX headquarters demand verification/validation of debt/account to this day XXXX XXXX has not responded nor have they been removed from my credit file. I do not have a contract with them, nor am I responsible or liable for this debt/ collection from XXXX XXXX XXXX on XXXX/XXXX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Deposits and withdrawals

Complaint: Bank has my money on hold and wo n't release it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX Bank failed to address fraudulent activity submitted through a denial or an acceptance. Silence is acquiescence. I have provided the facts about the fraudulent activity where the bank created the money I borrowed by using my promise to pay. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. In none of my transactions with XXXX Bank did any officer or employee notify me that your bank created money by a journal entry ( out of thin air ). 

The information reported to the credit bureaus is fraudulent as I have rescinded my signature from the original application due to fraudulent activity. 

The letter to XXXX was a signed affidavit. Attached is an unsigned copy as reference. 
XXXX Bank has responded to my letter agreeing to close the account, but did not remove it from the credit report nor did they address the fraud. As a result I no longer have an authorized account with XXXX Bank. Any credit reporting from the account noted in the attachment is additional fraud and identity theft.

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 11-01-2016 about Money transfers (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (AZ).
Issue: Other transaction issues

Complaint: We have attempted to wire money to a escrow account for two days without success. 
The first transfer attempt failed because the account number was improperly submitted, the second attempt we were told was a failure to initiate the transfer after the account numbers were corrected. We have traveled more than XXXX XXXX miles in an effort to correct the problem, plus have made several phone calls without the problem being corrected, just promises that were that were not kept.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/13/2015 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: I opened an account with 53rd bank and I made a {$100.00} deposit into that account,2 days later they closed the account, they never sent me my money back and they reported my name XXXX saying I still owed them money.But I did not make one single transaction in this account!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: We went to refinance with another company due to the XXXX XXXX at the time increasing my monthly payment close to {$400.00} - per them they under estimated my escrow. Not really sure how that could have happened when virtually nothing had changed over the year. The property taxes may have increased {$150.00} over all, but that in not way constituted that high of an increase. Went to closing, I was told that the payoff balance included the XX/XX/XXXX payment. I had made the payment, then once I found out the payoff included that amount, the XX/XX/XXXX payment was reversed. A week later the XXXX rejected the wire transfer as they are now stating funds were short. Thus the XX/XX/XXXX payment, they had advised not to pay, since it was included in the payoff amount. The attorney went over all the numbers & confirmed to me that the payoff amount wired to them indeed included that XX/XX/XXXX payment. They now have left me threating phone calls & sending me XXXX to Foreclose on my home. I have Never missed a payment with this company. We spoke to a gentleman with the said company & he advised that they would accept the wire next time it was sent through. I has bounced back yet again. XXXX they had also advised I had money in escrow in XXXX phone call & then in the next call advised I had a negative balance - not sure how that can happen. I just want this matter closed out & finalized - I am already ready to move on with my new XXXX & making payments to them. Thank you for your time & assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian has refused to remove information that I have identified as fraudulent. I have already provided an affidavit of fraudulent activity to Experian and still they refuse to remove the information. They allege they verified the information with XXXX, however ; I have already informed XXXX that the information is fraudulent. XXXX 's legal representation advised me that I must file a fraud affidavit to have the information removed. They advised I must complete their packet, I have not completed their packet as there is no law that specifies I have to complete paperwork prepared by the creditor but rather simply file the affidavit with a law enforcement agency. I filed the affidavit with the FTC and am providing a copy of the affidavit to Experian.

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 08-07-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: A bank account was opened in a Wells Fargo bank in XXXX XXXX, California in my namewithout my knowledge. I was a victim of identity theft. For two years the person said I worked for XXXX for him as a care giver He had a direct deposit of the checks placed in a Well Fargo account .At the same time I was in negotiation with the IRS to settle for back taxes owed in the years XXXX and XXXX. They said that I did n't report the income earned for these two years. The settlement agreed on was denied as a result of the identity theft. The XXXX XXXX police arrested and convicted the person involved. The police showed me forged signatures of an account opened in Wells Fargo bank .I contacted WFB and they say there is no account in their system that matches the detectives findings. The fraud claim was denied by WFB. The case number is XXXX. They sent me a letter on XXXX XXXX XXXX to contact XXXX XXXX. XXXX times I tired to reach her. No phone call back I have contact XXXX XXXX a higher up supervisor. No phone calls have been returned. I want my name cleared with a letter to the IRS and SS. {$25000.00} was stolen from XXXX in this fraud and not XXXX person seems to want to help me .I have proof from the police report, SS and the IRS and WF refuses to admit wrong. I 'm XXXX, living on {$1100.00} a month. I need help. I do n't have the resources to fight them. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation