milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/25/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I sent in a payment in full amount and this creditor refused to take the payment. They have a debt collector who keeps calling me, I tell them yes I am that person and that I refuse to speak with them as I am dealing with the original creditor. One of the representatives told me if that were true he would not be calling my XXXX. My payment was sent back to me not by the original creditor but by the debt collection agency. I have been paying debts for 3 years off my credit. Not once have I been refused by the original agency a payment in full, or been constantly harassed by phone by a debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Mortgage (Other mortgage) with American Mortgage Investment Partners Fund I Trust (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm a single mom with XXXX young children and I 've paid over {$60000.00} for the place I 've been renting for the last XXXX years and it 's now in foreclosure. The compressor on my air conditioner blew on XXXX XXXX and when I contacted American Mortgage Investment Partners, the company handling the house for XXXX Bank, they said they do n't take ownership until XX/XX/XXXX so they wo n't do anything until then. The managing partner, XXXX XXXX, told me to pay for it myself or go buy a fan and wait it out. I will not buy an air conditioner for a bank! Please repost!

Company response to consumer: Closed
Consumer complaint received 03-06-2018 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX I went in person to a Regions branch to file a dispute associated with my checking account. That representative did not properly file the claim. I called Regions by phone XX/XX/XXXX and spoke to a XXXX XXXX who stated she would reopen the claim and asked me to send additional documents which I did. On XX/XX/XXXX I called to speak with XXXX again but was told she was not there at all that day and she in fact did not reopen the claim. That person claimed HE would reopen the claim. On XX/XX/XXXX I went into a XXXX FL branch and spoke with a XXXX XXXX about my claim. She did not offer any explanation regarding my disputed claim. I asked why ANOTHER {$36.00} fee was added on. She stated it happened due to a transaction for {$1.00} being held back and then put through when there was no or low money in the account. The fees are now up to {$210.00} related to this XXXX XXXX disputed claim in the amount f {$330.00}. My total loss is {$550.00}.

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 06/28/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing disputes

Complaint: capt one XXXX chgs for for XXXX, XXXX XXXX each, this ventor was informed in the time frame to cancel. They cancel a XXXX chg as they could not provide the services of a search, and I informed them in the XXXX day period to cancel. They did n't and keep chging the acct XXXX twice

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (MA).
Issue: Trouble during payment process

Complaint: I am going to start by saying that it is disheartening to me that in order to receive any sort of response or corrective action from my Mortgage company I need to file a complaint with the CFPB. 
XXXX, XXXX and XXXX of 2017 I was approved for a modification from my mortgage company and at that time they locked my account so I couldn't make a payment online. I needed to mail in checks. My modification was approved in XXXX of 2017 and back to normal in XXXX of 2017 since then I have had no online access. Each time I attempt to access my account I get user name or password incorrect. I have changed both numerous times. 

I called Freedom maybe in XXXX of 2017 to find out why this was happening and the person I spoke with said they would delete my account and I would have to re-activate it, which I did and that still didn't work. I asked her if I could talk with their tech department and I was told " we don't have one ". I tried again in XXXX, no luck and in XXXX still no luck so I called back and this time I was told they were going to open a ticket with the tech department. ( I knew they had one! this just goes to show much misinformation is given to customers when calling Freedom ) It is now XX/XX/XXXX I still can not access my account online and when I call to check the status they say we see a ticket open with our tech department keep trying. 

I honestly feel that Freedom mortgage makes a living off of unfair and deceptive practices and skirts the rules because they deal with FHA loans. I truly and honestly feel that they are in violation of UDAAP. Most people who have an FHA have had or are having money issues and are at the mercy of Freedom. Freedom is notoriously wrong to providing misinformation to customers and gets away with it. I in fact almost lost my house because of misinformation and the response I received was " we apologize for the misinformation ''

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 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Central Holdings, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: loan was opened by my now deceased wife on or about XX/XX/XXXX. At the time my wife and I were legally separated prior to this date XX/XX/XXXX. We did not live at the same address at the time the loan was fraudulently taken under my name. I didn't find out until XX/XX/XXXX that there was a charge off on the account. I thought I was doing the right thing by paying off the loan. After many telephone conversations with the company 's manager she stated the loan would be removed from my credit report. it has taken this long to report to you because she told me it would be 45 days at least until it was removed. She closed the account but did not remove it as promised the late payments were not caused by me but my ex wife refused to pay. Made several attempts to correct the issue but to no avail.The company is Credit Central located at XXXX XXXX XXXX in XXXX Georgia XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Bank account or service (Checking account) with U.S. BANCORP (MN).
Issue: Account opening, closing, or management

Complaint: My son and I went into the US Bank on XXXX XXXX XXXX in XXXX XXXX at XXXX to open a new checking account. The Teller ( XXXX ) refused us service and stated that she can not help us because opening a new account takes 45 minutes and we close at XXXX. I find this practice to be deceptive, unfair, and discriminatory! If US Bank advertises that they are open until XXXX, how can they deny a customer service? I work during the day and my son had just gotten off work, so this was the only time that we could get there. I 'm shocked that they refused to help us!

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 03/23/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, I 'm having issues with my mortgage company saying that they can not discuss anything with me. They say that my estranged husband is the only one they will communicate with. they know we have been separated since XXXX and that I reside in and maintain the property. Recently I 've had some financial hardships and I 've reached out to the lender and they refuse to communicate with me as well as their lawyers. I was informed by housing counsel that as long as my name is on the note they should communicate with me. To no avail they wo n't. I feel there are some inflated costs to reinstate my mortgage so I made several attempts asking why and no one will communicate with me. there is also the question of would I even have all of these costs if they would have communicated with me from the beginning. Please if you can help me I need and want my home for my children and I.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (WV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I unfreeze my credit on  XXXX  to apply for a house and this collection account shows up on  XXXX / XXXX / XXXX   one  day later. I have received no formal notice of debt from this collection agency or whatever the original company is. No one has contacted me from this collection agency. This appears fraudulent because I have health insurance and an  XXXX  at work I could have paid this from.     Date Reported :  XXXX   XXXX ,  XXXX  Original Creditor Name Date Assigned Original Amount Owed Amount Status Date Status TRANSWORLD SYSTEMS INC  XXXX   XXXX ,  XXXX  {$350.00} {$350.00}  XXXX   XXXX ,  XXXX  UNPAID Balance Date Account Designator Code Account Number Creditor Classification Last Payment Date Date of First Delinquency  XXXX   XXXX ,  XXXX  INDIVIDUAL_ACCOUNT   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Bank of America NA closed this account in XX/XX/XXXX. It was first reported delinquent in XX/XX/XXXX. On XX/XX/XXXX I sent them a letter certified XXXX XXXX XXXX XXXX XXXX which was confirmed received. 

The letter was written because not only do the continue to report an account that has been closed for 8 years, they actually reported a credit limit increase on this closed account! 

These errors are adversely impacting my credit rating. They never responded to this letter and when I called them they had no record of receiving the letter..

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 (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have outstanding student loan debt that has grown significantly that I can not afford to pay due to me being put into forbearance status time and again instead of putting me in an income based payment plan like I have asked for. This has been slowly killing my credit and is making it impossible for me to get out of debt. Most of the loans are Federal through Navient but a few are private through Navient. I have had some major life changes where I am now at home and unable to work due to other responsibilities to my infant, XXXX children, and XXXX mother. Please help me get them to enroll me in an income based payment plan so that these can stop damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Credit card () with BARCLAYS BANK DELAWARE (GA).
Issue: Rewards

Complaint: I applied for a Barclaycard Wyndham Rewards VISA and, after being accepted, was made aware of a bonus offer of XXXX points awarded for purchases made. I called about the offer and was promised the XXXX bonus points for my activity on the card. I performed the required activity but was never awarded the bonus points. I repeatedly contacted the company about why the points were not awarded and they continued to tell me they would be awarded. Finally, after 3 months of repeated calling and being promised the points, the company then said they were not going to award the points. I asked why, but they would not tell me ; they just said I would not be awarded the bonus points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My Wife and I, Are Disputing An Item On Our Credit Report ... It 's A Judgement That Was Apparently Granted But Neither Of Us Knew About It And Was Never Served.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Credit card debt) with Forster, Garbus and Garbus (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: According on my record on XX/XX/XXXX. I had agreed to a offer {$500.00} dollar credit line with the company Name XXXX and XXXX is associated with XXXX. The company XXXX continue Offering me more credit line Increase because I was good Customer with them and I was making payment on time with them at all cost. According on my record at that time was legal married and was able to make good amount of payment. {$120.00} a months during that time On XX/XX/XXXX I had filed for a divorce  that was being processed and that lead for me to not pay the account. I had spoken to XXXX multiple time over the phone about my Account and reason why could n't make any more pay on this account. 

I had explain to XXXX that I was on SSI XXXX since a child and that only source is SSI XXXX. XXXX made Agreement with me over the phone to pay XXXX dollar a months but I was paying more interest rate them lowing my balance down that is {$2900.00} that I would never finish paying up this account under SSI XXXX. XXXX also to me that account XXXX  account because I could n't make any payment on it and left it that way. 

By Federal law and against my right the company XXXX never informed me that they was going to transfer this debt to a collection agency. The New Name of Collector our Forster , Garbus & Garbus Attorney 's Law XXXX XXXX XXXX XXXX, NY XXXX XXXX. 

I had informed the company stop harassing me in regard this debt over the phone or by mail because I have an XXXX child to attend to and do n't have time for there harassing me by taking me to court if I do n't pay the amount own filed a judgement against me for the balance I own to XXXX. The mostly company was doing hanging up the phone with me because I refuse to give them my last two digit of my security number and also summit yesterday a fax number they had provide to me and number # XXXX I can not afford to pay this debt own please help me for them to stop harassing me because it cause stressful and pain in my life or I will filed law sue against new collection agency Forster , Garbus & Garbus attorney law if they do n't leave alone and continue harassing me or threaten me by mail. This as being my second complaint with XXXX or XXXX. the old complaint is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: My mother passed away XX/XX/XXXX. We had a home equity line with Bank of America which matured that month. I went to bank after holidays approximately on XX/XX/XXXX to submit papers of her death had death certificate and statements of the account. The representative inputted in their computer and told me a loan office would contact me. I was never contacted. I waited because I had some health issues I once again went to bank of XX/XX/XXXX with a friend and got a runaround they did not have record of my mom 's demise and they wanted me to have a power of attorney. They did not want to communicate with me because I was n't on the account. I had to resubmit the paperwork and still got a runaround till at last they received everything and I was put on the account. I thought I applied for loan remodification but they sent me a denial letter telling me because my mother was dead they could n't do anything. They once again have been sending to all the different departments but XXXX good thing they did was give me the number to HUD which I contacted he went over my finances and said that I could take on this loan as remodification and was appalled when I told him I got a denial letter. He is the one that gave me your information please help. I feel the bank is trying to take over my house. They once again have sent me to a different department the loans but I feel they are going to reject because they said I would have to pay the whole loan before they even talk to me. Please help

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 07-01-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear CFPB Representative, I want to dispute information on my credit report previously disputed with XXXX, but I was not able to get any information regarding where the accounts came from, why were the accounts in question in my credit report, and why the bank did not do enough to produce concrete information regarding the accounts in question. The XXXX dispute resulted in nothing more than the same and nothing was sent to me personally addressing any findings. The company I am disputing information with is CAPITAL ONE. This company has put on my credit report the following accounts XXXX and XXXX, there are Xs on these accounts as the XXXX last digits of each account is hidden. I previously called a CAPITAL ONE specialist regarding this issue and he informed that there was nothing to worry about, but the accounts were never taken off my credit report and it is extremely affecting my credit report negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Credit card () with PAYPAL HOLDINGS INC. (MO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I noticed recently, that I was getting products from E bay I did not order. Finally I find out, that it was account opened under my name for Bill me later Pay Pall. I never opened this account and never used it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/25/2015 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (VA).
Issue: Settlement process and costs

Complaint: Suntrust Bank is avoiding completing the short sale process. We were clear to close in XXXX 2015, when the bank " just '' noticed names had changed due to marriage & divorce ( this should have been caught up front, I provided a marriage certificate in XXXX 2015 when this process was started ). In XXXX 2015, we were needing an updated approval letter from Suntrust to bring this short sale to a close. Suntrust representative XXXX XXXX replied that the short sale expired XXXX XXXX, 2015 and we were outside of contract. Now the bank is not responding to the short sale coordination team. We have been working with the bank for a year now with no resolution. The short sale coordinator has well documented notes of all communications with Suntrust ( and XXXX as the XXXX involved ). 

The resolution desired is to complete the short sale.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
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: Credit agencies did not follow up on fraudulent activity. The {$930.00} amount from XXXX XXXX, does not belong to me. I 've disputed this twice and explained I was not living anywhere near XXXX, Ohio and suspect my personal information was obtained by a family member. I 've explained this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2016 about Credit reporting () with EQUIFAX, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am a responsible creditor, I pay my bills on time what do not like is when Equifax accuses of me of not paying a bill on time? I always pay my bills on time and pay more than is necessary to pay my bills. One bill in particular XXXX XXXX, I pay the loan amount every XXXX the month and they say it was late on my Equifax Credit Report? I fixed it on my credit report. I also have a block on my Credit Report from XXXX XXXX XXXX, I have tried to fix this error for over 6 months now what is a Responsible Creditor suppose to do correct this error? I requested a credit increase on my XXXX Credit Card and my score dropped from XXXX to XXXX, I have done anything wrong but they say that I should not request any more credit, I am just confused by this double standard and I apologize for being human being it was my mistake. Thank your, time understanding in this matter, Sir or Mam. 

Sincerely, XXXX XXXX XXXX XXXX XXXX American Veteran

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to my requests to investigate and remove accounts from my credit report that were opened fraudulently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Debt collection (Credit card) with Machol & Johannes, LLC (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I submitted a request from Macho & Johannes LLC at XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX and requested the balance on XXXX accounts that I am paying through a consumer credit counseling agency ( XXXX ). About three weeks ago I submitted this request and I have received no reply back. I am going to fax over the request today and I am providing you a copy of the letter below. 

XX/XX/2016 Machol & Johannes XXXX XXXX XXXX XXXX XXXX XXXX CO. XXXX Toll Free : XXXX General Fax : XXXX XXXX XXXX XXXX. 
*********** XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX Account Balances : I sent an email about three weeks ago requesting the balance to the following accounts ; XXXX ; XXXX ; XXXX. I need to show my employer that I am making progress on these items. As you know I am XXXX and this affects my clearance and my job employment. 


XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My loan amount increase while I was in deferment and I am currently enrolled in school.

Company response to consumer: Closed with explanation