milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/21/2015 about Payday loan () with BlueChip Financial (LA).
Issue: Can't stop charges to bank account

Complaint: I requested spot loan to draft the full payment via e-mail below : Post the full balance for payment ... 
Thank XXXX : Help at Spotloan [ mailto : XXXXXXXXXXXX ] Sent : Thursday, XXXX XXXX, 2015 XXXX XXXXTo : XXXX, XXXX XXXX : XXXXXXXXXXXX : Your spotloanHey XXXX, Thanks for checking in on your loan. Your current account balance is {$140.00} and your next payment of {$110.00} is due on XXXX/XXXX/15. Remember, your account balance changes daily to reflect interest and, we require at least a 2 business day notice in order to make payment arrangements. 

Our hours of operation are Monday - Friday XXXX CST to XXXX CST and Saturday XXXX CST to XXXX CST. If you have any questions or concerns, do n't hesitate to give us a call or send us an email and any one of our Relationship Managers will be more than pleased to assist you. 

Spotfully yours, XXXX XXXXSpotloan Relationship manager/ Help XXXXXXXXXXXXXXXXXXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX XXXX XXXX XXXX attempted to collect a fraudulent debt ( including several other collection agencies ) reported by XXXX XXXXXXXX XXXX to the major creditor reporting agencies in the amount of {$660.00}. 

Under the Fair Debt Collection Practices Act., the collection of said debt on XX/XX/XXXX has been disputed and validation of the debt was requested. 

Although the debt was removed from my credit file after the seven year derogatory reporting period in XX/XX/XXXX ( adversely affecting my credit file ), the fraudulent account remained in collections for an extended two year period. 

The original creditor has refused to negotiate a settlement and all collections agencies involved have yet to verify the debt of record.

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 02/13/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Continued calls after XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Deposits and withdrawals

Complaint: Approximately three weeks ago I did an Electronic transfer from my account to my wife 's account. Instead of sending The transfer electronically Huntington sent a check to my wife lives with me in my house. So I called Huntington Banks and told them that they made a mistake and sent a check to my wife instead of an electronic transfer. I asked to my money back, and they said the only way to do it was to stop payment on the checks and to reverse it back to my account. I said ok, would there be any fees he said no but if there are then just call us and we will reverse them. There were XXXX transfers did XXXX for {$100.00} and XXXX for {$1200.00}. The reason for the transfers was to put money in my wife 's account who is with Huntington also. I was charged {$31.00} twice. I called the back and after rudely speaking with me they revered only XXXX the fee 's. I am so mad I am a poor working man and I do not have an extra {$31.00} to give Huntington. I have never been charged any fees with at all never made a mistake, but I did the transfer as they recommend I do at the branch. they tricked me and I want my money back. I am filing complaints XXXX. Please help. The manager that assisted me the first his name was XXXX and the XXXX manager who was rude was XXXX. I just want my money back the {$31.00} dollars and an apology for the way I was treated, it 's like they do not care.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have now mailed Equifax twice, on XXXX/XXXX/2015 and XXXX/XXXX/2015, and asked for an investigation to be conducted on specific accounts I question on my report. They have not responded to me. I will attach the letters I did send them copies of my drivers license, social security card, and phone bill BOTH TIMES. 
I demand a response immediately and sanctions levied for willingly breaking federal law!

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: This is a followup to complaint XXXX I just received a reply from Experian. It is obvious that they did not read the complaint and simply pasted some boiler plate text as an answer. 
I have made it clear that I do not dispute the debt. What I want is for Experian and XXXX to agree to remove the negative comments on my report in exchange for payment. They both tell me it is not up to them, but to the other party. Experian did not even remotely try to answer the question and simply concluded that the debt was valid ... TO WHICH I HAVE AGREED. 
Can you please get these lazy careless people to do their job? 
Thank you

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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX    XXXX    Experian  continues to report inaccurate negative items on my report that I have previously disput ed 6 ti me.They continuos to report account with no account number. Inaccurate information that is hurting my credit.

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 06/30/2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: Late fee

Complaint: I received XXXX calls in XXXX day from citi bank XXXX not the original bank when I applied for the card in 2006 XXXX representing my best buy XXXX in attempt to collect a past due balance I was unaware of and thought I had paid. A {$20.00} late fee was applied to the account, but being that I have been consistent with my payments and was an honest mistake requested that they remove the late charge towards the minimum balance.They refused saying they will only credit the amount which does not help me. In the past companies are forgiving and will lower your minimum contingent that this is not a habitual occurrence and you promise to pay or set up an automatic electronic payment for the balance which I stated to them I was more than willing to make. I requested that they honor this business practices which I was familiar with especially since I NEVER agreed to those terms citi has changed how the handled late fees. I believe one 's money should not be help hostage, just like a thief is not allowed to keep what he stole under the condition that it technically belongs to you and its there for you. Through many years of loyalty they have also refused to lower my exceedingly high interest rate despite multiple request and multiple current payments and use.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i check my credit report and it has a liens but the liens are not mine its from someone else i already fix the problem with the other bureau ( XXXX, XXXX ) and they investigation shows that it not belong to me. they take it off of my report. 
so i dont know why transunion keep this liens in his report. 

this is a case of identity theft and i already shows all the documents to prove itto the others bureussending the police reports, trade comissions report affodavid and a lot of documents they ask. 
so i need to take this off of my report becuse its not mine, and is damage my credit score and job opportunities.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: My bank account was closed without notice by Wells Fargo for no apparent reason. The account was paperless, which saves Wells Fargo money on printing and postage. Wells Fargo is now trying to charge me XXXX dollars for each of the XXXX check images associated with this account, which I need to access for tax purposes. I 'm all for switching to electronic record keeping, but Wells Fargo has used this as a way to extort money from consumers. I 'm perfectly willing to pay some reasonable fee to get access to these files, but a total cost of over {$1900.00} to access my own information seems completely unreasonable. The Wells Fargo help line referred me to my local branch. I have tried to work with local bank representative XXXX XXXX to come up with some reasonable solution to this problem, but she has been adamant that Wells Fargo has a right to charge these exorbitant fees. 
I am perfectly willing to pay some reasonable fee -- say a few hundred dollars, but I am not about to pay {$1900.00} to access an electronic file. If they do n't want to give me access to the electronic file, they can use the old system and send me the paper checks. 
XXXX XXXX can be reached at 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 09/21/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have a private loan serviced through Navient with an exorbitant interest fee ( nearly 10 % ). I have been paying the loan on time for over a year. The online portal is telling me that I am eligible for an interest rate deduction of 2 % since I have been making payments on-time ( SMART reward benefit ). It has been over a month since I became eligible for this reward and it still has not been applied to my account. I have emailed Navient and called Navient customer service over 3 times. Each time I am told a different story and that they need to " research '' if I am actually eligible for this reward. If my online account tells me I am eligible I do n't understand the disconnect/run-around of determining my actual eligibility. I would like a clear cut answer as to why these rewards are n't applied as soon as the borrower becomes eligible. It seems to me Navient is benefiting financially by postponing the application of this interest rate deduction at the expense of the borrower. This seems to be inappropriate loan servicing conduct and I would like this to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Debt collection (I do not know) with Valentine and Kebartas, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving several calls from this number, asking to speak with my son. I informed them that he does not live here and I would appreciate it if they stop calling my phone. I receive calls everyday from this number even after I have asked him to quit calling me. This morning I was contacted by a female representative who told me that she was working on a project with my son. I once again ask them to stop calling my number, and inform them that he does not live here. I am tired of the harassment every day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have complained about XXXX on my credit report with XXXX XXXX XXXX, XXXX from 2010. I threatened to file a lawsuit for a procedure he did on me personally and highly embarrassed me and I told him I was going somewhere else. When I did, the doctor said what he stated was wrong was not right and it was the WRONG XXXX. I advised him I would not pay the bill, I talked to him on the phone, he even called the second opinion doctor. He advised me he would remove the charges and I just got a copy of my credit report and saw this on there. I am fighting to have this removed. Please do what you can. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Phone number, Social is XXXX. Thank you!

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 06-04-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: An account on my file is reporting inaccurately and Equifax has refused to properly investigate this or do any proper investigation. XXXX XXXX XXXX # XXXX is reporting incorrect status ', dates and balances. It is not correct and I have contacted the furnishers and they have informed me that no one from Equifax has called to conduct an investigation. I have repeatedly asked them to verify this account and show me why it is on my file in such a derogatory manner and they refuse to speak to me, give me absolutely any investigation results and paper work and they have not transferred any of the paper work i have submitted to the data furnishers on my behalf, which would have exonerated me. this account is inaccurately reporting and showing as open and it is badly affecting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I am a Bank of America customer. On XX/XX/XXXX, I attempted to make a Bank of America credit card payment via using the online mobile app. The transaction typically is visible under account activity quickly. I did not see any evidence of the payment going through. I waited until the next day and checked my account activity again. I still did not see any evidence of the transaction. I thought maybe I made an error so I attempted to make the credit card payment again on XX/XX/XXXX via the online mobile app. Again, I did not see evidence of the transaction in my account history. I waited a while to see if the account activity would update indicting the transaction.Still no evidence. I then called Bank of America to assist ; as I did not want to be charged a late fee since the payment was not showing. I spoke with a customer service representative on XX/XX/XXXX and explained the difficulties I was experiencing. She stated that my checking account did not indicate any credit card payment for {$180.00} having occurred. I asked her to please double check because I did not want additional payments being withdrawn from my checking account to the credit card. She stated there were n't any but she would assist and take a payment by phone. The {$180.00} payment was then made by phone from checking to the credit card. I then reviewed my checking account via the mobile app on XX/XX/XXXX and saw that 3 separate payments for {$180.00} were withdrawn from my checking account on XX/XX/XXXX and XX/XX/XXXX, totaling {$540.00}. I attempted to call Bank of America to question and rectify the situation on XX/XX/XXXX but the office was closed. I called again on XX/XX/XXXX in the XXXX to have the problem rectified. I was on hold for 45 minutes. While I waited, my husband attempted calling from his phone. A customer service representative answered his call after being on hold for 5 minutes. I then explained the duplicate withdrawals from my checking to the agent. She stated she would connect me to the bill pay department and credit card department to rectify. I spoke with both departments. The credit card department said that they would refund the 2 additional payments to my checking account in 2-5 days. This is unacceptablea that my funds will not go into my account for 2-5 days. Additionally, they informed me that the system does not update on Sundays therefore the earliest I would be able to see if my funds were transferred back would be on Tuesday XX/XX/XXXX. Unacceptable - my money should be refunded sooner rather then later.

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 06-07-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I have applied for and I believe I have been wrongfully denied a loan modification 1 times over the past year, and am at risk of losing my home because of the false and misleading statements, negligence, willful misconduct and discriminatory behavior of my mortgage company Wells Fargo. 

I have been to court mandated mediation, hired lawyers, even filed bankruptcy to stop the sale of my home. I have sufficient income to afford to keep my home at a slightly lower payment, which is why I continue to apply for loan modifications despite the lender 's denials, which are often for completely arbitrary, contradictory, even nonsensical reasons. 

Most recently, I applied for loan modification and each time the mortgage company provided a different, seemingly arbitrary reason to not deny my application, but not even open the new application due to some reason or another.. 

They first denied me claiming I was missing document. Then they denied my application verbally stating that my application did not show enough of a change from a previous application submitted in 2015, over a year ago, so the application would not be considered. Lastly they denied me stating they have NEW Investor Guidelines stating I have either been 3 years delinquent or previously denied a modification. 

The reasons given were all over the phone, and the denial letters did not state this information or provide any clear reason for the denial. In fact the reason given for the most recent denial indicated that they never even reviewed my application or my circumstances have not changed. Never once did they provide me a copy of the New Investor Guidelines they stated as my reason for denial. 

I believe these reasons are simply pretextual, and that my mortgage company has never had any intention of dealing with me in good faith, or allowing me to remain in my home. I also believe they are discriminating against me due to the fact I am of XXXX XXXX. 

The fact is that Wells Fargo has been losing my papers, not providing me with clear information regarding my applications, asking me for needless information and generally making it very clear that they had no interest in helping me for 2 years now.

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 05-10-2015 about Mortgage (Conventional fixed mortgage) with IMPAC MORTGAGE HOLDINGS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I applied on the internet for a lower rate to refinance a mortgage. I was called by a person named XXXX XXXX from XXXX mortgage. We spoke on the phone and I gave him some personal financial information including my social security number and my address. After hearing his sales pitch I stated that I would be in touch if I decided to use his company. Five days later I received a packet in the mail. It was a loan application that I did not request. This application contained my SSN, address, my profession, credit scores. banks I use and other personal information. I am not happy with someone so carelessly sending my unrequested private information via a medium where it is so easy to steal. XXXX again the person 's name is XXXX XXXX. XXXX mortgage file # XXXX. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There have been a multitude of credit inquiries under my name that I did not authorize or commit myself. I noticed inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, etc. Someone has been using my information to apply for credit. Since I noticed all these inquiries, I have placed a credit freeze on all of my credit reporting agencies. Furthermore, I have contacted most if not all the accounts and requested they be closed under fraud.

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 05-11-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (IA).
Issue: Struggling to pay mortgage

Complaint: I had to relocate to Iowa for employment last year. I tried to rent this condo out since I was underwater on my mortgage but unfortunately shortly after I left there was a huge roof leak that caused major damage. The insurance covered a portion of the repairs but the rest were up to me and I do n't have the money. The stairwell is damaged and so is the top floor of the home making it unrentable. I hired an Agent to help me short sale the property and we submitted all of my paperwork. Shellpoint had the locks changed adn left the wrong keys in the contractors box, locking my Agent out of the home for full month making it very difficult to get an offer. Once we finally gained access we got an offer within a few days and submitted it to Shellpoint. They state they will not postpone my foreclosure date because they have not received a value they ordered.

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