milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Account number XXXX Date opened : XX/XX/XXXX AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Paid, Closed. <P/>AMEX has reported negatively on all four credit bureaus preventing me from obtaining any credit, since I filed a complaint against them with CFPB in XX/XX/XXXX. AMEX has already reported my {$0.00} balance on both accounts earlier this year, but never with a negative remark until now, as if my two accounts were active. XXXX, XXXX XXXX, and XXXX XXXX have confirmed they would not give me credit due to AMEX 's negative notes. I have their telephone numbers and they can confirm my statement is true.

<P/>
AMEX has reported to all four credit bureaus that I failed to pay them as of XX/XX/XXXX. It appears they are trying to keep these two, 15 year old charge offs as a current, surpassing the 7 year limit according to the FRCA by any illegal means possible. <P/>Both accounts have been closed and delinquent since XX/XX/XXXX, but they have reported this differently on my credit file, so they can have an affect on my credit surpassing 15+ years. <P/>The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. prepared by the Federal Trade Commission : this is the law that gives you access to your credit file, allows you to dispute errors on your credit report ( s ), and limits the reporting of negative information to 7 years ( 10 years if were talking bankruptcy more info here. ) AMEX has broken the FCRA! Please have them remove these two delinquent charges off from all four credit bureaus ( XXXX, XXXX, XXXX, and XXXX ). <P/>Please have AMEX remove both accounts off all four credit bureaus and send me a letter as conformation. <P/>Enclosed in my previous credit report from XX/XX/XXXX to XX/XX/XXXX, and please review the difference their recent negative notation reported on XX/XX/XXXX -- on all four credit bureaus. <P/>Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Debt collection (I do not know) with Collection Bureau Incorporated (ID).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This was a fabricated debt from someone who knows the owner of Collection Bureau Inc and used the power they had to file negative information on my credit report to lash out personally towards me after I disputed the debt when I talked to them and requested written information pertaining to the claims of the debt they offered nothing until I filed a XXXX complaint after they already damaged my credit score and good name. The correspondence they sent was nothing on their collection attempts and the party that engage them to do so had nothing as well. This is the perfect example of abusing the system and laws and regulations of collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: I am currently in the process with Wells Fargo for a mortgage. 
I told Wells Fargo that some of the information is inaccurate on the report and all items are at a {$0.00} balance but not reflected on the report they have. I asked them to re-pull an updated report, they are telling me that they are not allowed to update my report unless it expired. This will cause me to have a much higher interest rate. 
According to UDAAP this is also highly discriminatory as numerous other Wells Fargo customers normally update their credit reports to reflect updated and more accurate information. If they thought the updated information was negative they would immediately update it. Since the information is positive they are discriminating against me so they can charge a higher rate.

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 08-03-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Deposits and withdrawals

Complaint: Even though Wells Fargo states that they include pending bill pay transactions in their available balance calculations they do not. A user must remember that they have a Bill Pay and visit the Bill pay web page to see the actual available balance. This calculation is n't even available on mobile so a user has to visit the bill page pending transaction page and hand subtract pending transactions. I believe this way of doing business puts consumers in a position to overdraft and incur fees because they are not being forthright with the available balance calculation shown on the summary as well as quick balance web page.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (Medical) with American Collections Enterprise, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: An outstanding bill from XXXX XXXX was sent to me in early XXXX - I was under the impression that XXXX had paid it. My employer intervened with XXXX to pay the bill, on my behalf to the XXXX clinic. The collections company is still trying to collect, although the bill was paid. In addition the collections agency hung up on my call, and was not reasonable during the call. 

ACEI is the debt collections agency

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 07/19/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: Went to XXXX to open up a checking account, was denied and told I was in XXXX. I requested my XXXX report and it was clear. Went to Chase bank to inquiry about old accounts and was told, they will not allow me to open an account with them due to claims. I asked did they report me to XXXX and was told no. I am not sure why I can not open a bank account with other banks. I currently have a checking account with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: i requested a loan modification in XXXX 2013. I was put on a 3 month trial, made all 3 payments on time and was told it would be approved. Then in XX/XX/XXXX, I was told that Ocwen did not receive approval from the Bankruptcy court for this modification so it was denied. I have paperwork showing it was approved. Ocwen then modified the terms of my loan without my knowledge, back-dated the paperwork to XX/XX/XXXX and sent me my contract that they signed in XX/XX/XXXX but I signed in XX/XX/XXXX. My escrow was at a negative balance at this point, they never applied any of my payments to my escrow for XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX and are telling me I am delinquent. I have a letter from the Office of the Consumer Ombudsman stating they were going to advance my mortgage two contractual payments to bring me current and i am now being told it will only be one month and I am still delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: In XX/XX/XXXX I was contacted by phone from XXXX XXXX XXXX in regard to help with my student loans. I thought it was a legitimate agency but found out through a call from another agency that what we were attempting was possible through XXXX without payment to a third party. When I informed XXXX that I was no longer interested in their services they said I still owed a fee of over six hundred dollars because " they worked on my file ''. I thought I had already filed a complaint online but it must not have gone through because when I called today ( due to wanting to check the status of my complaint and received more correspondence from XXXX ) the lady I spoke to could not find any information for me. I received a notice recently from XXXX that says Attorney Placement Pending for {$99.00} and balance due of {$590.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AR).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was purchased by Ocwen from XXXX ; this is after my loan had been sold several times before. It was originated at my local bank and sold to XXXX XXXX XXXX XXXX who went bankrupt ; XXXX froze assets and totally made a mess of auto-debits and escrow. However with all the bedlam every time my mortgage was sold, my loan payment was never deemed late AS it was in the aftermath of the XXXX bankruptcy or any other loan servicer. The sale upended my autodebit payment and escrow balance every time. When Ocwen bought my mortgage XX/XX/XXXX ( I believe ) I was simply notified by mail and the uproar began again ; making sure everything was in place did not go well with Ocwen. After the mortgage was sold it was next to impossible to get any service or a person on the phone. This was not because Ocwen had a sophisticated phone system ; it was because the same man came on the phone every time & knew nothing. lt sounded more like an upstart company manned by one fraternity brother left to manage the concession stand than a professional loan company. My auto debit was upended multiple times causing the 30-59 day late payments on my credit report. I did not miss any payments through any fault of my own, it was the poor system Ocwen had in place. There are 4 late payments on my credit report and then a tax lien. IF my homeowners insurance and taxes were being paid by Ocwen as they should have been there would be no late tax payments OR any need for local people down on the square at the courthouse to place a lien on my property. I ONLY know anything about the tax lien because it, along with the supposed late payments, because OCWEN is harming my credit! I had a large loss House fire XX/XX/XXXX and I lost much of my paperwork ; SO I can not produce Ocwen paperwork ; I do however have the lovely tax lien during their tenure with my mortgage. I thank God for Ocwen NOT being my mortgage holder when the fire happened ; I shudder to think how they would have handled the whole thing. I want Ocwen to do the right thing and own up to their fault in my late payments AND remove the blot on my credit. They were a nightmare that just continues ; I have disputed this blot and tax lien several times through the credit bureaus to no avail. I was widowed XX/XX/XXXX and I have managed my household and paid my mortgage all this time ; I as a consumer, and a widow and a veteran deserve better for being a good homeowner and paying my mortgage. I hope something will make them do the right thing, apparently they have acted wrongly with other consumers. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am filing this complaint against All XXXX bureaus : transunion, XXXX, and XXXX. I pulled my free annual credit reports and they were all high. However, when I went to get a car loan the reports they claimed they saw from transunion was not as high, and I did not qualify for the 0 % interest loan that I should have. The lender says the free reports we get from the credit bureaus are not the same reports they have access to. This means all XXXX credit bureaus are in violation of providing accurate free credit reports to consumers yearly. They are providing different reports, they are not providing accurate information. This cost me money and the government needs to hold them accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: After denying the loan modification appeal, we received XXXX letters from Nationstar on XX/XX/XXXX. In those letters, they offered alternatives to foreclosure and hold ( stop ) the foreclosure scheduled for Monday, XXXX at XXXX. I immediately called Nationstar and spoke with customer service representative named XXXX. We discussed the alternatives, and due to the current situation, we decided to move forward with the Short Sale. XXXX made notes on her system that we were doing the Short Sale and advised us to hire a realtor. We hired a real estate agent to proceed with the short sale and initiated the process on XXXX last week. On Monday our realtor initiated the Short Sale on XXXX and were advised that a short sale negotiator will be assigned shortly. However, Nationstar " changed their mind '' and activated the foreclosure procedure with a short sales process initiated on XXXX denying us the opportunity to move forward with the Short Sale. 

XXXX also offered a One-On-One meeting with a Nationstar representative within the next 14 days ; however, we learned that on Tuesday, XX/XX/XXXX that was denied without communication that to us. 

The fact that we filed for BANKRUPTCY along with the slow and lengthy procedures that XXXX XXXX XXXX and Nationstar delayed the loan modification process and accrued several months of payments and put us a very precarious situation. It seems that now we are being punished for filing bankruptcy and not allowing us to short sale the home. 

It 's important to note that we have NEVER requested a Short Sale before. Our utmost intention was keeping the home but we were left without that that option after the procedures that Nationstar has placed setting us to fail. 

As borrowers, we have the rights to an alternative to foreclosure as established by HAFA. They are not following the proper procedures to get this situation to an orderly close. They are taking short cuts and violating our consumer rights. 

It is important to note that we have called Nationstar every day and more than once. XXXX XXXX XXXX who signed one of the letters was supposed to get back to me on Monday ; however, she is not answering my calls and other customer representatives are being evasive. 

We will highly appreciate your assistance in obtaining a postponement on the foreclosure and we can move forward with the Short Sale which will minimize the financial and emotional impact that a foreclosure will have in our lives. Additionally the Short Sale will benefit Nationstar and the trustee by obtaining a much higher sales price than the foreclosure sale. 

Looking forward to a favorable resolution to this unfortunate situation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am concerned with my credit file with Experian, there are credit items that I am asking to be disputed from XXXX XXXX # XXXX, XXXX the same. XXXX XXXX XXXX. XXXX XXXX. XXXX in XXXX. There are inquiries also on my credit file that should not be there or should be taken off by now, I did not ask XXXX XXXX, XXXX XXXX, XXXX which was never taken off. XXXX XXXX, XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Names ID XXXX, these are some of the items I question that are still on my file. When will they be updated and investigated and corrected.

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 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (OR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On about  XXXX   XXXX  i had my   XXXX   XXXX   account switched to my business checking for auto pay and  XXXX  dollars over the min payment and then I get notified on the  XXXX  of  XXXX  that im 2 months behind they have record of me switching it but evidently messed up and put auto pay for  XXXX   XXXX  then told me they could not do any thing to reverse what had  XXXX  reported to credit agency so this has ruined my 8 years of  100  percent payment history and dropped my score now my other credit cards have lowered my limit by thousands inaffect raising credit utilization lowering score more and raising interest and payment I have worked really hard at hav ing 100 percent  history and never make min payment for 8 years for this to happen over   XXXX   XXXX  t mistake is not rite and for other cards to lower limit raising utilization is even worst I hope someone can help me thanks  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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Taking out student loans with XXXX was the worst decision my XXXX self ever made. Then when Navient it bought it things got worse. My payments are not affordable and they will do nothing to help. They sold XXXX out of XXXX to another company which I found out was because they put me in default. I have over {$80000.00} to pay back and I have only been paying interest which is so incredibly stressful considering I will never get ahead. Something needs to give. Not to even mention the handful of calls I receive every day on ever phone number including my work. They served me once with a court document from XXXX of the companies they sold a loan to and never told me about it! It 's out of control. I can only hope something will be done to stop them from holding me captive and start to work with me. If I could select ever option below about what 'best describes my issue ' I would select them all.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I checked my credit report in XX/2016 when I saw a collection from XXXX XXXX XXXX ( XXXX XXXX XXXX ). I immediately disputed the reported information as invalid since I initially thought it was related to a missed payment. However, after further investigation I learned that the account in dispute was for an unknown address. Further, I filed police reports with the XXXX XXXX XXXX Police Department for accounts opened with XXXX XXXX and XXXX XXXX. The investigation took over 6 months and was dismissed the XXXX XXXX XXXX ( aka ) XXXX XXXX as Valid since, I did not have a POLICE REPORT attached to the complaint, rather a complaint number ( which I was given ). I received a letter from XXXX XXXX stating that the Identity Theft complaint was closed because I submitted the complaint number. BOTH fraudulent accounts were billed to address I do n't live at nor, have I ever lived there and the suspect was named however, the Police failed to arrest the individual stating that they denied the theft. I too XXXX statutorily too long to resolve the complaint and they have not provided any evidence of how they verified the authenticity of the accounts as required by law. Subsequently, I want the item removed from My CREDIT 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 non-monetary relief
Consumer complaint received 09/25/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Billing statement

Complaint: Bank of America mis applied my payments to the wrong balance transfer promotion and is charging me interest on the new balance. They are also NOT recognizing a " Check Cash Advance '' promotional balance at the correct interest rate. I was told that " you ca n't write/depsoit a check to yourself and deposit it in your own bank account. '' When I asked for the person to show me where it says that on the marketing brochure for the promotion, she referred me to the XXXX office. I spoke to someone in their XXXX office, which apparently handles disputes such as this and I was told, " The bank had a major computer glitch earlier in the year that mis applied and mis calculated interest. XXXX accounts were effected and I assure you we are working to resolve the problem. You will see interest accumulate over the next several months on your statement but do n't worry about it, we are rectifying the problem and all fees and interest will be credited back to you at a later date. '' She could not give me a reference # of my dispute and asked me to call back in a month or so. The promotional balances on my statement do n't even add up to the entire balance due noted at the top of the statement. Further to this point of major computer errors, XXXX of the promotional balances appears to have shifted a decimal point and shows {$10000.00} in my favor. I compared to the previous statement and it 's clearly a computer error. My concern is that they will try and rectify the problem without any oversight and who knows how many XXXX of card holders will not even notice an error has been made and end up paying XXXX dollars of erroneous interest to the bank.

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