milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with REGIONS FINANCIAL CORPORATION (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: The company is XXXX XXXX XXXX XXXX with an address of XXXX. XXXX XXXX, XXXX, GA XXXX. Phone is XXXX. Our account is XXXX with last 5 digits of account being XXXX. Account is under the name XXXX XXXX, XXXX XXXX. <P/>Trouble with this company has been from inception of the account, but documentation started XX/XX/XXXX. When calling you can never get resolution and they are always having technical difficulties. We have been trying to close this account without success. Most recent conversations were on XX/XX/XXXX at XXXX XXXX PST. Spoke with XXXX to say we keep receiving invoices showing a credit balance ( they owe us ) of {$4.00}. He said he would take care of clearing that out and he shows the account was actually closed XX/XX/XXXX. He gave me a case number # XXXX. <P/>On XX/XX/XXXX I received another invoice, this time with a " Special Credit Fee '' charged in the amount of {$79.00}. With the previous credit they are billing us {$75.00}. I called XX/XX/XXXX at XXXX XXXX. PST and spoke with XXXX who transferred me to XXXX XXXX who then transferred me to XXXX in Financial Services. She admitted she did not know what the charge was or why it was on our bill, but would credit that amount to clear it back to XXXX. She also confirmed our account was closed XX/XX/XXXX. She provided me with a Billing Case # XXXX and claimed she really is n't supposed to give that information out, but I demanded some sort of reference number to prove this conversation took place. <P/>Other calls and cases to this company include : XX/XX/XXXX case # XXXX, XX/XX/XXXX confirmation number XXXX ( this call included the representative using the " XXXX '' word to me when his computer did n't boot up ), XX/XX/XXXX mailed request to close account, XX/XX/XXXX email to XX/XX/XXXXto close account - this was followed up with a response from them telling me I needed to call to close the account. XX/XX/XXXX mailed letter again to close account. And the two most recent contacts are listed above. <P/>This company will invoice with a due date that is one to two days earlier than when you receive the invoice in the mail. I have saved the envelopes showing the post mark. This triggers a finance charge and you can never get ahead even when full payment is submitted. Example : Post mark says XX/XX/XXXX ( Friday ) but bill is due XX/XX/XXXX ( following Tuesday ). With time needed for post office to process we do n't receive the bill until XX/XX/XXXX - a day after it was due. They are purposely delaying to create fake finance charges.

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 09/22/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a BBVA Compass Clear Choice Checking with a promotional bonus of {$200.00}. The terms state that in order to receive {$200.00}, you must open a Compass Clear Choice Checking before XXXX XXXX, XXXX and after openeing the account, make an electronic deposit from an unrelated 3rd party of at least {$300.00} into the account within 60 days of account opening. The bonus should post within 60 days. 

I qualified for the terms on XXXX/XXXX/XXXX with an electronic deposit of {$300.00} on XXXX/XXXX/XXXX and I have yet to see the bonus post to my account. After reaching out to BBVA compass they have been unhelpful and are unwillilng to solve the issue per the terms of the promotion. 

Timeline : Account Opening Date : XXXX/XXXX/XXXX Electronic Deposit {$300.00} : XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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 have a home mortgage with XXXX XXXX bank, and our monthly premium was raised to {$4300.00} instead of {$3900.00} in XXXX XXXX. I was negotiating with my home insurance company and attempting to remove the escrow acct with XXXX XXXX so we can pay our taxes separately. 
We processed autopayment in amt of XXXX on time, and we also have been paying our monthly payments for 1 month in advance, so our account has XXXX $ in excess, which XXXX XXXX did not apply to the deficit of around XXXX XXXX All this happened within 30 days, and they reported me to credit bureau and it shows acct delinquent in the amount of {$300000.00}, and XXXX XXXX refuses to remove it. Our account with them is clear and in fact, we have a credit with them in amt of XXXX $ which they failed to apply to deficit.when we called them on several occasions, they are rude, and lie to us, they refuse to remove the false report on my credit. I have contatced their board of directors also, and therefore I want you to publish everywhere and have them correct this information with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am currently applying for a mortgage loan. I found out through the lender, that Equifax has once again, listed account information incorrectly. I have an XXXX XXXX credit account and instead of showing it paid off less {$.00} balance for the last XXXX days, they are reporting it as a SUSPENDED account with a much larger balance. It is NOT suspended and I have attempted to contact Equifax and it wo n't allow me to access my credit report AGAIN! They continuously report incorrect and old information and as a result they report a drastically lower credit score than the other 2 credit reporting companies, XXXX and XXXX XXXX. Equifax is also reporting a medical collection that has long since been resolved and retracted because of improper billing by the hospital and my insurance company at the time in the amount of {$990.00}. The result of this is that I have been denied a mortgage until it is cleared up and my report updated. They are causing me immeasurable financial hardship as well as making me look irresponsible in the eyes of the mortgage company and the people involved in this whole process. Recently I have been unable to even access my own reports due to their system being down and occasionally being told that they can not verify that it is me accessing my own report! How can a creditor access my report with only the last 4 of my social security number and a zip code yet I am unable to do the same by entering all the questions they ask to verify my identity?? Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
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: Experian Credit Bureau was notified that XXXX XXXX XXXX was wrongfully remarks as revolving acct ... .It is properly address as a real estate mortgage. The wrong classification damages the XXXXredit score. XXXX 2017

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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EARLY WARNING SERVICES, LLC (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ACH transactions from an account at XXXX XXXX ( {$900.00} on XX/XX/XXXX, {$1500.00} on XX/XX/XXXX, and {$900.00} on XX/XX/XXXX, that were direct deposit credits to XXXX   account number ending in XXXX listed on the EWS report. 

XXXX 's records do not indicate that I have ever had a relationship with XXXX per CFPB-CASE # XXXX AND CFPB-CASE # XXXX. 

I dispute all unverifiable transactions contained in account ending XXXX and Summary File Disclosure, Consumer ID : XXXX prepared on XX/XX/XXXX by Early Warning summary disclosure. As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Credit card () with Continental Finance Company, LLC (NY).
Issue: Billing disputes

Complaint: I have a Matrix MasterCard from Continental Finance ( initially it was a XXXX XXXX ). I mailed my payment ( money order ) for XX/XX/XXXX on XX/XX/2015 at my post office. The payment was due on XX/XX/2015. Continental Finance did not receive the payment until XX/XX/2015. Continental Finance called me XX/XX/XXXX to tell me that they did not receive my payment on time. I told them the date I mailed it and that it should not have been late. I also told them that I would have the XXXX track it. I asked them to waive the late charge as my payment history was. Excellent. They agreed to do this, however my next statement showed that I owed them {$95.00}. I called them again on the date I received the statement to find out what this was about. They said it was a charge for being XX/XX/XXXX ( {$35.00} ) another {$35.00} because I did n't pay the first charge plus the {$35.00} that was due for on XX/XX/2015. I told them that I wanted to speak to a supervisor who insisted that I had to pay the late charges. I told her that I felt this was not legal and that I was unable and unwilling to pay these excessive charges. I had already submitted the documentation from the post office who had traced the money order and who explained to me that the payment was late as the Usps trucks their mail and does not fly it and that due to the ongoing snow storms their trucks were not able to move the mail. ( I forgot to tell you that I had closed this account several months before as they began charging me {$12.00} a month as a fee after you have the card for a year ) I received a later from their corporate office stating that the late fees they were charging every month would continue as it was their policy. I refuse to pay this and they have been calling me several times a day. Can you please advise me what I should do. I would sincerely appreciate any help you can provide. Also I feel that continuing to make payments to Continental is futile and a waste of my money. Thank you very much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Wells Fargo bank charges an extra balance inquiry fee on top of the regular non-network fee for using a non-Wells Fargo machine. I have never seen that fee at any other bank before. Also ATMs in XXXX usually ask if you want to do a balance inquiry first before the transaction occurs. I always answer no. Wells Fargo charges the fee anyway.

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 01-03-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: In XXXX XXXX I got a mortgage with Wells Fargo. This was paid off and refinanced in XXXX XXXX, with Wells Fargo. 

Wells Fargo did not send a lien release and the paid in full note to me nor did they file with my county and my state that had paid them to do. 

Rather they filed a second lien against my home in XXXX XXXX, Wells Fargo solicited me in XXXX, I did not contact them they contacted me, saying they could modify this loan for free. However this was not what happened they created a brand new Loan without releasing the other Loan or returning to me or my County the Satisfaction of mortgage on this second Loan, little did I know then they were collecting {$1600.00} per Mortgage for helping people who needed help. In fact what they were really doing was solicting their Best Customers who really did not need this at all, I feel sad about that. 

They refiled a third mortgage and lien against my home, without releasing the other two liens or  returning the notes to me indicating that they had been paid in full. Plus the last mortgage they lied about the terms of this Loan While my note Stated it would go up a maximum of 2 % points each year after the initial 7 years the document they sent said it would go up 5 % points. 

In addition I had a Home Equity line of credit that was paid in full and closed no lien release for that either. 

They have been messing me around since XXXX reporting I had not made my XXXX XXXX mortgage payment to the Credit Bureaus, even thought all the paperwork was submitted to prove this was indeed not factual, they sent me three letters wriggling out of fixing it, and every letter contradicted the last letter. 

Now because of these problems and experiences with Wells Fargo, I have paid off all Loans in full, this was done in XXXX 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 07/23/2015 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have been attempting to apply to get my mortgage loan modified for over a year. Every time they want more and more paperwork and allow existing paperwork to expire. I do not feel that they are attempting to work with me to keep my house. I have become XXXX and I am trying to get my loan to a payment I can afford but it feels like the company is fighting against me putting road blocks up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have made XXXX payments to escrow account that was received and cashed by Wells Fargo, but never deposited to the escrow account but rather used to pay interest. 

{$980.00} on XXXX/XXXX/2015 {$500.00} on XXXX/XXXX/2015 FYI monthly mortgage payments are {$630.00}, and monthly escrow payments of XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Mortgage (FHA mortgage) with AmeriHome Mortgage Company, LLC (ME).
Issue: Trouble during payment process

Complaint: I made two partial payments to my mortgage company using my bill pay with my bank XXXX XXXX XXXX XXXX checking ) on XXXX XXXX and the other on XXXX XXXX. I began getting notification that I had not made my payment and upon contacting XXXX Mortgage XXXX my mortgage company ) I was informed that the amount sent in on XXXX XXXX in the amount of {$940.00} had been sent back as NSF, I found this odd because I was under the impression when using bill pay the funds are sent directly from the bank to the merchant, so how could they be returned as NSF. Regardless, I contacted my bank and they did an investigation which came back as the XXXX Mortgage had accepted both transactions I made. I have made countless phone calls and have been told half a dozen stories about where the money is and my status for my XXXX payment. They are no longer answering my calls when I contact them or I end up in their hold system for hours. I 'm unsure how to move forwards with this and am very afraid to send another payment to them at this point. I have both trace numbers for these transactions and have forwarded them to XXXX in hopes that they will rectify their error. I do n't know how this is effecting my credit score and now that it 's XXXX my XXXX payment is officially due. 
XXXX payment debit trace XXXX {$940.00} XXXX payment debit trace XXXX {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Medical) with HOVG, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received communication from Bay Area Credit Services/XXXX that I owe XXXX for a debt that has been reported previously by 3 different agencies on XX/XX/2017, I requested verification of debt that I did not receive to verify they are the actual owners of the debt. I received another letter on XX/XX/2017 stating they would report this debt to the Credit Bureau I called again and spoke with a foreign man never gave me his name that said the bill is my verification I said no I want verification such as what service date is this bill for, what doctor 3 different agencies have reported this and did not give me proof. He stated they would send information but would still report the documentation on my credit report. I stated that this was threatening and a bullying tactic to get me to pay and if they did not give me the information in order to pay I would report this immediately he hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PENTAGON FEDERAL CREDIT UNION (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Last year after the whole XXXX data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For the past 1 1/2 yrs we have been harassed by Portofolio Recovery Services for a debt of our adult daughter. The company knows it is not our debt. We were told the company would continue to call until we give them our adult daughter 's phone number. We refused to give them her phone number. She has lived in XXXX for the past 18 yrs. We have lived in XXXX the past 37 years.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Debt collection (Credit card) with Stillman Law Office (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a debt verification letter saying that I disputed the debt. NO verification was sent at all. The debt collection attorneys proceeded to sue me anyway -- - without giving me any debt verification or notice according to federal laws. 
Also, I have attempted multiple times to verify the debt in the past five years XXXX with my son 's help ) and NO verification or validation has ever been sent through the mail. 
I only wanted to clarify the information because they have my last name consistently spelled wrong. I heard nothing. 
Now the debt is almost time barred and they are suing without providing verification. I am XXXX. Thankfully my son was able to send the validation letters and write this on my behalf. Someone please help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: On or about XXXX XXXX, 2016 I submitted a detailed complaint to CFPB regarding CitiMortgage 's horrendous treatment of my client, XXXX XXXX. Citi continues that treatment ; each week it sends me a letter telling me it is still reviewing the complaint. This failure to serve customers is an unfair trade practice and lack of good faith. Please follow up with Citi for immediate action on this matter! 
See Complaint # 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 non-monetary relief