milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-02-2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: The Bank Closed And Blocked My Account From Being Used. and simple bank wont help me with any information on this account there was a direct deposit from   XXXX   XXXX    XXXX  {$440.00}   XXXX   XXXX   XXXX     Was Given to me And  Simple  Bank has not Released the Funds or Return that check back to   XXXX   XXXX  . They have given me none of my money that was left on my account please help with this problem.     The Bank Wont Return ACH Check Back To   XXXX   XXXX    and i have not received my benefits payment from Simple.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: To whom is my concern? 

I had a loan with high interest from Wells Fargo because I was single out because my heritage. 
On XX/XX/XXXX I refinance my loan with Wells Fargo. 
Wells Fargo closed the account and sent XXXX $ credit to me to XXXX XXXX XXXX , XXXX. 
And XXXX $ for the new home owner insurance send to my address by error. 
I return the money to XXXX XXXX XXXX , XXXX. 
On page XXXX are my copies You can see the credit, the insurance and the taxes The money for the insurance was cover ( credit ) XXXX + XXXX ( my check ) You can see page XXXX. 
On XX/XX/XXXX I sign escrow On XX/XX/XXXX Wells Fargo go ahead of XXXX XXXX XXXX and pay XXXX XXXX XXXX XXXX $ Knowing the date of disbursing is XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX XXXX , XXXX send a check to Pay XXXX XXXX XXXX .same day Wells Fargo send a letter for the amount XXXX $ to be pay. 
On XX/XX/XXXX XXXX return the XXXX $ to XXXX XXXX XXXX with a letter saying was pay in full. XXXX XXXX XXXX start the process to return the money to Wells Fargo for the amount XXXX . 
And on XX/XX/XXXX XXXX $ was return from XXXX to wells Fargo. 
15 months later, Wells Fargo are charging me XXXX $ a months to cover XXXX $ for the payment to XXXX on XX/XX/XXXX ignoring they already had the money from XXXX XXXX XXXX on XX/XX/XXXX. 
On page XXXX you can see how my escrow should be Compare to Wells Fargo do n't look the same they start taking money from Escrow to repay advance on XX/XX/XXXX. 
Please Help me I think I been single out again I try 5 times on the phone because is impossible to see a rep in the Wells Fargo branch to show them the proof. 
XXXX XXXX XXXX try to get in touch with Wells Fargo and told me they were very rude. 

Thank You for your help. 

XXXX and XXXX XXXX. 
XXXX XXXX XXXX XXXX, Ca. XXXX XXXXXXXXXXXX

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 04/13/2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (DE).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: A company named XXXX at XXXX is contacting my place of employment

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 10-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: 1 ) My spouse and I are disputing a XXXX XXXX account with a balance as it appears on Transunion and XXXX 2 ) My spouse and I opened a joint account with XXXX XXXX which later on settlement was agreed upon as " uncollectable '' 3 ) In the court case : " XXXX vs XXXX '' it clearly states that showing a balance is a form of collection activity 4 ) my spouse and I repeatedly notified both Transunion and XXXX as well as XXXX XXXX, but they keep verifying that the balance they have is accurate 5 ) We have attached the following documentation to this complaint : a ) settlement with WF b ) Notice Potential FCRA Violation - TU c ) transunion reply XXXX d ) reply from XXXX XXXX XXXX ) All we are asking is for the XXXX account to show a zero balance

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 04-07-2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (NJ).
Issue: Managing the loan or lease

Complaint: I keep receiving harassing phone calls and very personal questions from there workers. I made arrangements to pay last months bill which was due on XXXX/XXXX/16 over 2 weeks ago for the date of XXXX/XXXX/16. I keep getting calls from a man named " XXXX '' who is telling me XXXX XXXX is too late to pay. I told him it is a week away and I already made arrangements to make the payment. He then told me that they were going to take my vehicle. I find this hard to believe when my payments not even 21 days late and is set up for an autopay on XXXX/XXXX/16. 
" XXXX '' as he said his name was kept asking me and bugging me to why my payment was late. THATS NONE OF HIS BUSINESS. ITS PERSONAL. ITS LATE THATS ALL HE NEEDS TO KNOW. He then told me " HE NEEDED TO KNOW BEFORE THE CAR GETS TAKEN ''.

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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BAYVIEW LOAN SERVICING, LLC (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX ( aka Bayview Loan Servicing ) has inaccurately reported to the credit agencies on a Real Estate Loan Account. It is inaccurate in 2 parts of the report. 
1. Bayview has been incorrectly reporting 120 days late from XXXX XXXX XXXX XXXX. 
a. I was relieved of all liability of this loan when property was foreclosed XXXX XXXX. 
b. XXXX XXXX, XXXX I requested that this item be changed to show the last date to report as 120 days late to be XXXX XXXX. 
2. Bayview has been incorrectly reporting loan closed / terminated as of XXXX XXXX, XXXX. 
a. I was relieved of all liability of this loan when property was foreclosed XXXX XXXX. 
b. XXXX XXXX, XXXX I requested that this item be changed to show the loan closed / terminated as of XXXX XXXX. 
3. XXXX XXXX, XXXX, XXXX XXXX XXXX sent me an Escrow account statement letter detailing fund distribution from XXXX XXXX - XXXX XXXX in the amount of {$13000.00} and funds received of {$2200.00}. 
a. This property was foreclosed in XXXX XXXX b. I did not make any payments to XXXX XXXX XXXX, ever. 
c. When I called to get more information, they claimed I am in bankruptcy and they can not discuss my account without my attorney present. 
* I have never nor am in the process of filing bankruptcy. 
XXXX My attorney did not file nor address bankruptcy in any call, letter or document when attempting to contact XXXX XXXX XXXX on my behalf. 
d. The representative at Bayview said they would contact my attorney and get back to me. I have not heard back in over a week. 

Prior to the XXXX XXXX letter, I have made multiple attempts to have this inaccurate information corrected by XXXX XXXX XXXX since XXXX XXXX, with no resolution. I have furthermore sent the same letter and supporting documentation to the 3 credit bureaus in a dispute. Only XXXX  and XXXX have corrected their reports, although XXXX acknowledged the dispute, it has not made any correction. I have also enlisted the help of an attorney to have this corrected and he has not been able to gain any response from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (I do not know) with Concord Resolution Inc (Closed) (ID).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This phone number is frequently calling me. States they are from Concorde Resolution and that I need to place a " statement of verification ''. I checked with my state 's department of finance and this company or number is not registered as a legitimate company. They have called me every day. I looked up their phone number and saw that it 's a scam and quite a few people reported to have the same occurrences.

Company response to consumer: Untimely response
Consumer complaint received 03/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Only called a few times and then reported my debt to the credit bureau after setting up payment arrangements I have never had this happen if you have arrangements to pay off they do n't report it

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX a large sum of money was taken out of my account. The sum of {$4500.00} was deplete from my account. This was done in the California area. I discovered this the next day which was XX/XX/XXXX - I then went to the bank ( Bank of America ) and reported the fraud - the associate helped me to put a claim in. I also reported the fraud to my local police department which is in XXXX XXXX, Florida where I reside. I closed all my old accounts and open new ones with the bank in case my information was still out there. I have sent all the necessary information to Bank of America for the past two months trying to get my money back. I keep getting denial from the bank. They claim I gave some one my pin number which is impossible. I have bank with company for the past twenty plus years - In the past I have tried to withdraw money from my account and was told I have reached my limit withdrawal and then was notified by the bank. I have never been to California and I do not know anyone there. It was puzzling to know that amount could be taken out with a red flag alert to BOA. I am very disturb about the security of my money. Please advice me what other steps to take to get my money. 

Thank you for your consideration on the matter.

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 01/24/2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Problems caused by my funds being low

Complaint: Irrational charges on my account at Fifth Third Bank amount being over {$1000.00} over a three months. Plus overdraft fees

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian continues to share my credit report improperly. I provided them with a copy of a police report showing identity theft. Furthermore, every time I try to submit documents to them online, they say I am not allowed. 
There area huge number of unauthorized inquiries from XXXX/XXXX/16 that need to be deleted from my 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 03/22/2017 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: A third company party company gave me false and misleading information. They misrepresented my family size. They told me they would pay off my loans and they would no longer report on my credit history. Also they told me that their fee would not report on my credit. Which it is and is hurting my credit by showing as it is a credit card that is over maxed out.When I tried to discuss these issues with XXXX they directed me to the other XXXX ; I have multiple times tried to reach the company with no response.

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 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: SEVERAL DISPUTES SENT WITH NO RESOLVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2016 about Payday loan () with Flurish Inc. (OH).
Issue: Charged fees or interest I didn't expect

Complaint: I got a loan with Lendup and due to financial hardship and the fact I was caught in the payday loan trap I am unable to pay on time. I got credit counseling through a non profit XXXX XXXX and Lendup refuses to work with them. If they are legitmate lender like they claim, why wouldnt they work with credit counseling like every other lender.

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
Consumer complaint received 03-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Someone changed my address toXXXX XXXX XXXX PR without my authorization. That is not my corrrect address.I suspect a fraud with this change. Please take notice of this request as soon as possible. I 'm. very worried about a possible fraud. 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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am attaching a credit report from XXXX XXXX XXXX my lender is using for a mortgage loan I am in escrow for. Capital One / XXXX XXXX XXXX is showing 90 day late delinquencies in late XX/XX/XXXX and early XX/XX/XXXX that are unequivocally false and incorrect. I was not late at all during those times, in fact, the account has been charge-off since XX/XX/XXXX. Their ca n't possibly be lates after an account has been charged-off. 

I am in a dire situation as my mortgage process is completely on hold until I clarify the error, and prove to my lender that the 90-day lates reporting are absolutely incorrect and did not occur on the dates reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (HI).
Issue: Loan servicing, payments, escrow account

Complaint: When the loan was purchased from XXXX to Freedom Mortgage all contact information was incorrect. Thus I was never notified of the sale. In spite of making on time payments a cascade of various late fees and negative credit reports were issued. Once I was aware of the situation it took months to resolve. Now I 'm being hit with another {$110.00} late fee again even though I had made my XXXX payment on time. Their excuse is that they had adjusted my monthly payment amount an additional {$20.00}, and that they 've waived enough payments for me in the past ( even though those waivers were their fault ). I feel harassed by an agency I have no say in and no recourse to take my business else wheres without paying huge refinancing fees.

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 02-12-2017 about Credit card () with SYNCHRONY FINANCIAL (OK).
Issue: Other

Complaint: To Whom it may Concern : I am hereby writing this letter to request for a onetime settlement of the outstanding balance 's on my Synchrony card accounts. I have been struggling with financial difficulties for the past six month on accounts of my lay off due to the economic downturn. I am finding it very difficult to make monthly payments to my account. I sent you a letter dated XX/XX/2016 stating I wanted to close my accounts and make a settlement amount and I have yet to receive a response in regard to that. 
I am currently negotiating debt with several creditors and I have only a limited amount of funds. Some of the conditions that I want for this payment are as follows : The payment will be full and final settlement of my credit card outstanding balances for Conns, Walmart and Credit Care No legal action will be initiated against me in future for any payments I will be removed from the defaulter 's list from your records. 

If your company is willing for this one time settlement then please write back to me and I will make the necessary arrangements for making the payment and also draft the debt settlement agreement. Please do not contact me by phone, please contact me at my email address XXXXXXXXXXXX. NO PHONE CALLS! 
I will be glad to receive a positive response from your end. 
Yours sincerely

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 08-02-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Settlement process and costs

Complaint: i have someone trying to purchase my home and I contacted ocwen inquiring about my payoff amount and when I finally received their quote o was appalled! It is so incorrect and on top of that they added on several fees and late charges which are not correct or right! I have my bank statements to show when they have been paid and on what date! After receiving this I decided to check my credit report and it shows that ocwen listed my mortgage closed back in 2013, which is NOT correct as I have been paying them monthly to this date! I now understand why I have been turned down so many times when trying to get a loan etc. this is illegal and a federal offense to not report to the credit bureau! I also have not received a monthly statement since 2013 and when I have inquired about this issue I was told each time they would correct it and send one, well I have yet to receive a statement! Now I know why cause who knows where my money has been going and based on their payoff quote and my credit report it sure has n't been going on my mortgage! I want this fixed immediately! As I have an opportunity to sell my home and due to all these circumstances and incorrect information I may lose the buyer as he cant wait forever for me to fix the problems ocwen has created!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion refused to show me how they verified the collection account XXXX. When I can not get a response from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I previously disputed a debit ( XXXX XXXX XXXX XXXX ) with all XXXX credit reporting agencies ; because the debt was n't mine. All XXXX credit bureaus deleted the collection. Equifax deleted the debt on XXXX XXXX, 2016 and later reinserted the debt. This clearly violated my rights under section 6.11.As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation, and I am requesting that this alleged debt be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I debt was removed from my credit report report because I disputed the account. I spoke with the original creditor and their records show my account is at a zero balance. Also offered to open a new account.     Within the same month the same collection was placed back on my credit, with no notice. I could n't believe it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: The credit reporting agencies have been marketing their services to me while attempting to access my free credit report each year.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MD).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: American Express cancelled my credit account because of security concerns they said. They said they told me to verify the charges which I did through app before I stopped using their app and was paying of my debt through my debit account. They cancelled it by saying they asked me to verify the charges in 15 days but I never received a e-mail or mail stating I need to take action. My history has badly been affected and I am not in the position to pay off my whole debt Without using credit card at sometimes. I am a student and I really want XXXX to reactivate my account. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have recently submitted a compliant about Specialized Loan Servicing purchasing insurance on my behalf ( illegal in New Jersey ) when they already had copies of my insurance dec pages ( both flood and hazard ). SLS responded to CFPB with a letter stating that the insurance they had purchased was cancelled and I would not be charged. I have just received a letter from SLS ( dated XXXX/XXXX/16 ) giving me notification that my escrow account was being charged for insurance that they already reported to CFPB that was cancelled. They had no right to purchase insurance on my behalf in the first place as they already had proof of insurance on file. So which is it? Is SLS charging my escrow account for insurance or did they cancel? I was told by the CFPB rep to file another complaint as the last compliant ( case # XXXX ) was supposedly resolved and obviously is not since SLS is still trying to charge my escrow account for the insurance.

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