milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/28/2016 about Bank account or service (Checking account) with BB&T CORPORATION (SC).
Issue: Deposits and withdrawals

Complaint: I am the XXXX for my XXXX year old Mother. In XXXX of 2015 I was XXXX and unable to take care of our finances. My sister-in-law took advantage of the situation and stole my checkbook and credit cards as well as my Mothers. She went so far as to divert my telephone calls to her cell phone and took all the mail from our mailboxes. XX/XX/2015 I was able to have my phone fixed and began to receive calls from a branch of BB & T in XXXX, SC and we discovered that she had stolen both of our identities and accessed our bank accounts and credit cards. I had never had an overdraft nor had my mother and that is when we discovered the extent of what had taken place. Credit cards were charged to the max and forged checks were paid off of my account as well as my Mothers. BB & T did not close my Mothers account at that time. Only when my sister, who is a banker in Texas, talked with BB & T did the account get closed. The bank did refund a portion of the fraudulent transactions that were committed by XXXX 's but not all. My sister-in-law was even allowed to make a draw off of my home equity line of credit by telephone that the bank refused to refund to me, leaving me with an additional {$9000.00} debt I am now forced to repay. When my sister in Texas came home for XXXX in XXXX 2015 she went to the bank to ask about the forged checks. The bank refused to honor the forgeries because it was past a 60 day window. My sister contends that when I first reported the identity theft it was the bank 's responsibility to close the accounts and to advise us to go thru our bank statements to look for forged checks. The forged checks on my Mothers account was in excess of {$27000.00}. 
I did press charges against my sister-in-law and provided copies of police reports to BB & T. I feel like not only did my sister-in-law take advantage of me but the bank did as well. They were not helpful at all and it appeared to me that they just wanted me to go away. I have since closed my checking account with BB & T and my Mother has also closed her accounts as well. I still have the home equity line of credit loan with BB & T but as soon as I can pay it off in full I will never do business with them again. They are in no ways " consumer '' friendly.

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 11/25/2015 about Debt collection (Medical) with Louisiana Recovery Services Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I asked them to stop calling me. They told me to pay my debt or they wo n't stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Company has n't deleted item after I provided proof.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (TX).
Issue: Trouble during payment process

Complaint: Our Mortgage was recently bought from XXXX by Shellpoint Mortgage Servicing in XX/XX/XXXXof this year. We received from them in early XX/XX/XXXX a pamphlet of information from them about Points of Contact and way to contact Customer Service. On the day we received this information ( I believe the call was made XX/XX/XXXX ) we called the Customer Service Line as was told that we had a negative Escrow Amount but since we were in Bankruptcy there was nothing more the lady would be willing to talk to us about.
So we called the Point of Contact ( XXXX XXXX ) and it went straight to voicemail and we left a message but did not receive a reply. We tried again ~XX/XX/XXXX and when we called XXXX answered right away. We mentioned to her that we were trying to figure out how to go about paying for our Mortgage since there were no clear instructions on the paperwork and I could not pay online due to the bankruptcy. She said that we needed to contact our Bankrupty POC ( XXXX XXXX ) regarding anything tied to the Bankruptcy and that we had to get a note from our Attorney for them to be able to speak with us regarding solutions to the issues with the Mortgage.
We then went to our Attorney 's office on XX/XX/XXXX and got a letter from him as requested and faxed it to Shellpoint via the phone number provided the following day. We then called XXXX the following Monday or Tuesday and it went straight to voicemail. A message with all the necessary information was left which included wanted to talk about issues regarding the Bankruptcy, and a Home Repair Escrow that would have been transferred from XXXX.
After receiving no response from XXXX the following Monday or Tuesday we called both XXXX XXXX and XXXX and were taken again straight to voicemail. Messages were left according to the instructions and as of now ( XX/XX/XXXX ) I have not heard from them or any representative of Shellpoint Mortgage even though I have reached out multiple times.
This is obstructing our families ability to repair our home since there is a Home Repair Escrow Balance and as such is limiting our options in terms of resolving the Mortgage in an amicable fashion with Shellpoint. We have reached out to them multiple times in good faith and it feels like they refuse to work or even talk to us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 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: Account information incorrect

Complaint: I had a past loan account with XXXX XXXX XXXX XXXX. I was late on the account and it was reported as such. I later was able to refinance the loan with XXXX XXXX XXXX XXXX. As a result of me refinancing my original loan ( still with XXXX ) XXXX created a new loan, new account number with updated terms of the loan. Unfortunately, XXXX reported the exact negative information that was reported in the original loan in the newly refinanced. This is not accurate. My credit report with all 3 reporting companies XXXX XXXX and Experian for several years continue to report that I had to loans with XXXX and both have the same late history being reported. I have disputed the information with each of the credit reporting companies with no resolution. I have contacted XXXX personally and enlisted the help of a credit repair company but none of my actions have resulted in a positive update to 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 explanation
Consumer complaint received 02/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient it reporting that I paid my loan late twice when it should have been in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other

Complaint: HelloCapital One took me to small court in XXXX Texas, court dismissed case, capital one attorney discover it 's fraud account, capital one will not take it of my credit bureauI do have certified letter from court, please what is my optionsmy name XXXX XXXX XXXXXXXXXXXXphone number XXXX XXXX XXXXTHANKS

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Applied for a modification and the lender/servicer continues to delay the process, and now is trying to foreclose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Consumer Loan (Installment loan) with DISCOVER BANK (CA).
Issue: Managing the loan or lease

Complaint: I had an old 0 % loan on my Discover credit card for the life of the loan. Its balance was about {$1400.00}. On XXXX XXXX, 2016 I mistakenly made a {$5000.00} 0 % transfer loan on my Discover card also. Four days later I discovered my mistake and paid {$5500.00} to repay that {$5000.00} plus the transfer fee and a bit extra on the old loan. I was told that Discover, " at their discretion '' chose to pay the smaller 0 % loan that was for life of the loan instead of the larger 0 % loan that was due sooner. That is not right. Extra payments are to go to the loan that is due sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Greetings, my name is XXXX XXXX XXXX and my social security number is XXXX. I am frustrated with all XXXX credit bureaus, because I believe my actual credit scores should be higher than they are. In the past, I have paid off several accounts, maintained my credit cards below XXXX %, maintained employment and I am not default on any student loans. In addition, no matter what I do, my credit score still remain below XXXX. I am trying to obtain a business loan for my branding and development company here in the United States. I am an American citizen but I feel I am being treated unfairly, as it relates to my credit scores. Also, all XXXX bureaus have me residing in XXXX at one time and I have never lived in XXXX. 
Please increase my credit scores with all XXXX bureaus above XXXX, so that I can obtain a business loan. And so that I may do my part in helping to keep America strong and great. 

XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (GA).
Issue: Struggling to pay mortgage

Complaint: I have tried and tried to fix this problem, I have XXXX XXXXXXXX, am XXXX and sls will not help me, I just want a repayment plan that I can afford, sls keeps denying me, I was set on a repayment plan and called to tell sls that my payday was different then what I had originally told sls and asked if I could change the date, well I found out I was in foreclosure, I have begged this company, pleaded with them, and i get no for the answer, in may I was given a modification and in XX/XX/XXXX before I could make the first payment I was admitted to the hospital, where I had an extended stay, I was diagnosed with XXXX XXXX XXXXXXXX, the people I trusted to pay my mortgage, took my money and left the state, so I have been asking for a repayment plan and this company will not help me, I keep trying, I ama us XXXX veteran and I am XXXX, I want to stay in my house to XXXX, but sls is foreclosing on me and putting a XXXX veteran in the streets I have no where to go, I have asked this before and they tell me no, this company is a very very horrible company, they have no compassion, I have tried to make my last 2 payments and was told no because I am in forclosure, I have no where to go, I can make my payments but they want me to sell my house or deed it back, I want to keep my house, I have tried, I guess my next step is to go to media and have them reveal this company for who they are, when I had my modification done, my balance went from XXXXto XXXX, but had to sign papers to keep my house, and they are taking my house away, I will contact media.

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 01/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Upon checking my credit report I noticed I had a debt that I was n't aware of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I attending XXXX in XXXX, CA between XXXX. There was a lawsuit against XXXX. I would like to know if I need to repay loans from UAS.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Portfolio Recovery Associates called my employer in an attempt to recover a valid debt, causing me stress, embarrassment, and conflict at work. They are also calling me about an invalid debt that I do not own as well. XXXX is very deceitful and ruthless -- after careful review of my credit report they are reporting as a " factoring company '' which is one who buys corporate receivables at a discount not a XXXX dealing in uncollected bad debt. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Other

Complaint: During XXXX and XXXX, I had XXXX send auto debits for monthly payments direct to Capital One, to assure timelines of pmt. In XX/XX/XXXX, Capital One sold my " debt '' to a collections agency ( XXXX ), who said that no payments had ever been ade, despite my proof on checking account statements showing monthly deductions sent to Cap One. I hired an attorney, who spoke with Capital one and XXXX, and to make this issue go away and not effect my credit adversely any longer, agreed to pay the {$350.00} balance in full, again. My atony wrote a letter to XXXX and Cap One, with all parties agreeing to my paying the balance in full, Cap One not reporting this account as a charge off, and that NO late payments would ever be reported on my credit report stating such, as Cap One had been paid on time monthly. This was to insure that everything was fully satisfied for all parties involved, and XXXX said they 'd send a release/receipt back to attny within 24 hours. On XX/XX/XXXX, Cap One added a note to my credit report stating that I was late the entire year of XXXX, filling each grid on my credit report with either a 30, 60, or 90 day late notation. ( this math is actually impossible if you look at it ). They also notated a charge off, a collections transfer, and that the account was closed by credit grantor, making it look as if I had n't paid per the legal agreement set up to report the account as closed, never late and paid in full. This goes directly against the fair debt reporting act, and is why consumers can NEVER see to get ahead of anything. This account was opened in XXXX, and paid in full and closed in XXXX. It 's ironic that the late payment notations and charge off/collection notes have just appeared on my XXXX report, as it 's almost to the 7 year statute of limitations for reporting debt in VA. 5 years after fully satisfying the credit card debt, multiple times actually- as Capital One would never admit to receiving the auto payments from my checking account, although XXXX shows they left my checking account monthly, went to Capital one properly notated with my act info, and never came back, I paid them consistently, on time, AND paid a full balance AGAIN to a collector that Capital One sold my debt to, despite the fact they were being paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Debt collection (Medical) with Scheer, Green & Burke L.P.A. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: XXXX XXXX I had an XXXX done at XXXX XXXX XXXX, OH. Their billing department submitted the bill to the wrong address on my insurance card ( XXXX ). In XXXX XXXX I was notified that this was in collections by XXXX XXXX of Scheer Green and Burke. I contacted my insurance company as well as XXXX XXXX billing department to have it billed again to the correct address. The insurance company denied payment because it had been more than a year since the service and requested that it be resubmitted a second time with proof that it was billed originally after service in XXXX of XXXX ( which I verified that all of this was accurate ). Despite explaining all of this to XXXX XXXX, she still threatened to place a lien against my home and take me to court. I have talked extensively with the billing department at XXXX XXXX and have been assured that they can not place a lien against my home for the mistake they made when billing my insurance. The current situation is that this was resubmitted to my insurance ( to the correct address ) with proof of the original billing to the incorrect address as of todays date XXXX/XXXX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 02-09-2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have consistently disputed my account status with XXXX AND EQUIFAX AND XXXX, but my issue still have n't been revolved. It is showing that I have missed XXXX payments and that is incorrect. I just talked to XXXX on XXXX/XXXX/2017 at XXXX and he even stated that was not accurate, but there was nothing he can do. I do n't think that is fair to me because, it is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The company in question is Diversified Consultants. I  agreed to settle a XXXX account that I had and was promised that the account would be removed from my credit report and it never was. The original balance owed was {$1200.00} and The collection agency for XXXX agreed to remove this account from my credit report if I paid 50 % of the balance which was {$600.00}. I paid {$600.00} with a representative over the phone in XXXX 2017 and the account is still showing up on my credit report as Account legally paid in full for less than the full balance. This is not what was agreed upon and I would like this account fully deleted from my credit report. I feel that the representative I spoke with told me that this account could be removed from my credit report if I paid just to get a payment out of me and I do not think that this is right. Could someone who has the authority to remove this account please review my case? I have called Diversified consultants 3 times trying to get this matter resolved, but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2015 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Other

Complaint: There are XXXX issues with my Chase Mastercard. 
There were a series of non requested upgrading of my card that resulted in charges and eventually fines for a service I did not requested. This affected my credit rating. 
From XX/XX/XXXX to XX/XX/XXXX I had monthly non authorized charges for purchases I did not make, and my account was penalized for overdrawn because I did not pay this illegal charges. Eventually Chase Mastercard made some refunds but they immediately withdrawn supposedly to pay new purchases from the same company whose charges were not authorized. 
As result of this illegal practice I was reported to the credit bureau and received a bad score that seriously affected my credit

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Using a debit or ATM card

Complaint: My debit card was stolen by my babysitter and she overdrafted my account. I have turned in my police report and would like my monet returned to my account.

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 07/26/2017 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (NV).
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint: This is a copy of my BBB complaint which I filed on XX/XX/XXXX of this year : Over a week ago, I let this company know that my pay dates were changing. They asked me to send a copy of my last two paychecks which I did after I got paid for a week on the XX/XX/XXXX. I let the company know that I only was paid for a week on the XX/XX/XXXX and that my full two week paycheck would be on the XX/XX/XXXX. I received an automated response stating that someone would get back to me. I waited and then tried to get onto their website to double-check the date. I could n't get on on Sunday ( I do n't know what 's with their site, it only seems to work on certain computers but that is another issue ) and checked the site on my way to work the following Monday. It still had the old due date on the site. I sent a comment to the company stating my displeasure with the change. I have used this company for awhile now and have never had an issue with them until now. Later that day I received an e-mail that stated : " Thank you for choosing CashNetUSA, America 's trusted online lender. We have received your request. This email is to confirm that your pay frequency has been updated to biweekly, beginning XX/XX/XXXX. To adjust your due date, please respond to the following as soon as possible. '' I sent a response the same day then inquired about refinancing. I did not receive a response on that subject but when I went to the site to check my options, it allowed me to schedule a payment for XX/XX/XXXX. I did a refinance but the due date showed as the XX/XX/XXXX but I assumed this was an error due to the response I received on my e-mail. However, when I checked my bank account this morning, I show a withdrawal for {$270.00} which I do n't have and this is the sort of trouble I was trying to avoid by letting the company know in advance the change in my pay dates. Since then, I have had two e-mails from their collections department regarding my failure to pay on the due date ( XX/XX/XXXX ). The first one was this Monday and I explained that I had filed a complaint with the BBB regarding this incident and the second e-mail was today ( XX/XX/XXXX ) stating that my account was past due and I need to make a payment as soon as possible. Clearly they have ignored my complaint to the BBB just like they ignored my informing them of the change to my pay days and I am not happy.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation