milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My XXXX XXXX XXXX credit card account was closed inXX/XX/XXXX. I continued to make payments until XX/XX/XXXX, and ultimately the account was charged off in XX/XX/XXXX with a balance in excess of {$5000.00}. A XXXX was issued in XX/XX/XXXX, which was filed with my tax return and paid to the IRS. XXXX XXXX XXXX is still reporting the account as open through XX/XX/XXXX with XXXX  and Experian ( XXXX is reporting closed status as of XX/XX/XXXX). In addition, XXXX XXXX XXXX is still reporting the aforementioned balance on all three credit bureaus. I have called XXXX XXXX XXXX  multiple times asking for the balance to be updated to {$0.00} and mark the account as closed. They are refusing to do so, stating that I am able to make payments on the debt if I wish. Please help me rectify this 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 non-monetary relief
Consumer complaint received 09/14/2016 about Mortgage (FHA mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage company is Franklin American Mortgage. I have filed at least XXXX modification request with the company and each time they respond I do not " qualify '' because I do not make enough. I lost XXXX % of my income and my husband abandoned the residence almost 2 years ago. I am now divorced and have a true Hardship. They have wasted months " reviewing the documents '' then they tell me to resubmit them because they expired only to say NO again. The company should be audited as they lie to you each time you speak to them. I do not believe they are compliant with the FHA programs in anyway. Never trust this company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: We utilize Regions online Bill Pay, and made a payment to XXXX XXXX XXXX XXXX on XX/XX/XXXX for an RV loan. In XX/XX/XXXX, Regions put the payment amount of {$670.00} back into our account because XXXX XXXX XXXX XXXX never cashed the payment. We have not been able to get an answer from XXXX XXXX XXXX XXXX as to why they did not accept the payment. We did not catch the redeposit transaction until working up the taxes this year. 
We did not get any notice from XXXX XXXX XXXX of a past due amount, and when I called to inquire, was told it was my fault because I did not notify them of an address change. However, I receive a monthly reminder through email that would constitute a point of contact, but XXXX XXXX XXXX chose to ignore that, and churn the account with late fees. 
I contacted Regions about my bill pay account to get documentation so that I could prove I made the payment, that is when I found out about the redeposit in XX/XX/XXXX. Because XXXX XXXX XXXX did not cash the payment, Regions could not provide the documentation, nor could they provide documentation of our checking account more than 6 months in arrears. They sent a letter to XXXX XXXX XXXX XXXX, which I believe XXXX XXXX XXXX XXXX ignored. The letter is attached. 
I MADE THE PAYMENT IN GOOD FAITH, but made the mistake of relying on the online banking system for documentation, which there really isn't any after 6 months. 
Please address this issue, I am a business owner, and about to change ALL my correspondence back to paper copies and forget online banking.

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 BARCLAYS BANK DELAWARE (OH).
Issue: Credit line increase/decrease

Complaint: I have been discriminated against and treated unfairly by Barclaycard Delaware. Recently, I was notified that my credit limit was reduced by {$600.00} because I was " nearing my limit ''. I was at least {$900.00} away from my credit limit at the time it was reduced. When my card was declined today while making a purchase, I called customer service to find out what was happening. I was told a letter had been sent in the mail the day prior ( yesterday ) explaining why my credit line was reduced, which as stated, was because I was nearing my limit. Why am I given a limit if I ca n't get near it other than to potentially charge a fee or harm the consumer? The customer service manager also told me that it depends on my " overall credit health. '' However, my credit health, according to their XXXX reporting system is XXXX -- which happens to be over XXXX points higher than my husband 's who was just given a credit limit increase. This is not the first time I have seen my husband 's credit limit increase while mine has stayed the same or, like this time, been reduced. Our credit reports are virtually the same -- he has a higher debt to income ratio because of our mortgage, which is why I believe his score is typically lower than mine, yet he has consistently received credit limit increases ( without request ). This has been a consistent issue with Barclaycard Delaware since opening our accounts, which occurred within a few months of each other. I can find no other reason for this other than discrimination in their portfolio management. I have never been late, I have never gone over my credit limit, and my account has remained active and in good standing through my entire history with the company. Now, because my limit was reduce, a purchase of mine will put me over my newly reduced credit limit, which I believe will harm my credit score and overall portfolio history with the company, should I decide to keep my account open.

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 06/14/2017 about Checking or savings account (CD (Certificate of Deposit)) with WELLS FARGO & COMPANY (NC).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: On  XXXX    XXXX  ,2017 I put in a request for my information to be updated so I could receive a Ac cess Code to send money using wells Fargo sure pay. I rec eived the email stated that my information has been updated and to allow time to receive code. I called on  XXXX   XXXX ,    2017  to get the code and they advised me the ticket was never put in and I would have to wait for another ticket to go in. I was  on the phone with three different representatives for almost 50 minutes just for them to tell me I still hav e to wait. This is BAD SERVICE and it is UNACCEPTABLE!! Clearly, some additional training is needed because work orders are not being handle properly! I feel my business at the bank is not being taking seriously and will be closing this company 's account. I AM TRULY UNSATISFIED WITH THIS COMPANY!!!!

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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX and transunion never send me verification that XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX [ never late ], XXXX, and XXXX, XXXX is reporting XXXX  please verify this account I never applied they do n't even do service in my area, it has been more than 60 days and the credit bureaus are not verifying accounts that does n't belong to me im going to take legal action.

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 09-09-2015 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Managing the loan or lease

Complaint: currently refinace this accout with Conn 's .. I have been nonstop calls for collection. I have called back and spoke to a manager and was advised that the calls would stops. But I am still getting calls and this is outrages. I would like for the calls to stop since my bill is not even due until XXXX XXXX. Not only due i get calls I also get hang ups. Transfer to other CSR agents when advised I would like to talk to a manager then told I can be transfer to a manager. This is harrashment. I am looking into more legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Struggling to pay mortgage

Complaint: I have been trying to get a loan modification for months and the bank never attempted to give me a modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Wells Fargo is reporting that I am 30 days late on my XXXX payment. I have sent a letter to Wells Fargo showing them that my XXXX payment was made on XXXX/XXXX/XXXX well before the 30 days. They sent me a letter back stating that they were not going to change the showing of the late payment. Wells Fargo is, also, reporting that my XXXX payment is 30 days late as of XXXX/XXXX/XXXX. However, a payment was made on XXXX/XXXX/XXXX that was effective XXXX XXXX, XXXX. So either way if they are showing a XXXX payment late my payment was made effective XXXX XXXX and if they are showing a XXXX payment late, how can a XXXX payment be late 30 days if it has n't even been 30 days since my payment. Also, after the XXXX/XXXX/XXXX payment it was showing my next payment was n't due till XXXX 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 non-monetary relief
Consumer complaint received 02/27/2017 about Debt collection (Medical) with Receivables Performance Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently complained to you about XXXX billing me for charges unknown to me. I asked them to send me a detailed statement on what the charges were for with date of service, what my insurance paid and a copy of the signed contract for the date of service. They never responded to this request and instead sent me to XXXX XXXX collection agency. I contacted you regarding this matter and thankfully things were cleared up and the collection agency closed my account. Well I got a letter from a different collection agency that XXXX XXXX is trying to collect on. They are also trying to bill me a separate {$75.00} late fee. I have no idea why they keep doing this to me. I always payed the dental office what they said my portion was. They wo n't even work on you until they verify insurance coverage ad you sign a contract on what you owe. There were times I waited almost 2 hours in the chair because of their billing methods. I am angered and outraged that company is so disorganized and wo n't leave me alone. I do n't owe them ANYTHING yet they say I do but will not submit the proof I have been asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Bliksum, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I got a personal loan from XXXX XXXX. I made arrangements to have the very high interest on the changed through a Debt Consoldation Company. The original interest was around 120 %. They agreed to remove the high interest and take a lower monthly payment. The original amount that was due was over {$12000.00} for a {$2600.00} loan. The new payment amount is {$180.00} and the interest was taken off the loan. In XX/XX/XXXX they made a report to XXXX that now states on my credit report that it is Charged off. I have never been late with any payments. Also I am XXXX on XXXX. I am on a return to work program. I bought anolder car last year on Credit through XXXX XXXX a car loan company who gives high risk and high interest loans to people ON XXXX. my credit was very low when I got this loan. But after a year of paying all my creditors right on time my my credit has gone up substantially. In order for me to continue the Return to work program I will need to buy a new car. I started working as a XXXX for XXXX last year in XX/XX/XXXX. But because of the charge Off added to my XXXX credit report by XXXX XXXX, I am unable to buy a new.car in order to continue my job with XXXX. So now because of the charge off I can not get a new car. So I will lose my job on XXXX XXXX of XXXX because my car is much to old now.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Credit determination

Complaint: Pulled credit report without permission

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Mortgage (Reverse mortgage) with ASPIRE FINANCIAL INC. (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for a reverse mortgage to refinance an existing reverse mortgage and draw more money out of the equity in the house, due to increased market value. 

The company, XXXX XXXX, ordered an appraisal through a company that does their appraisals. I was pleased with the appraised value of {$250000.00}. Then I find out, that when it went to underwriting, the underwriters rejected the appraisal, saying it was incomplete and had too few comps. 

I was told I would have to pay for an additional appraisal of {$560.00}, because they could n't use the one they had. At that point I cancelled the contract. Now they want me to pay for an appraisal they ordered from their company that has no value to them or me. I am refusing to pay at this point. 

Thank you,

Company response to consumer: Untimely response
Consumer complaint received 06/21/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I checked my credit report through XXXX XXXX and XXXX on XXXX XXXX, XXXX and found an open collection account listed on my Equifax report. The original debtor " XXXX XXXX '' was included in my chapter XXXX bankruptcy filing on XXXX XXXX, XXXX, which was discharged on XXXX XXXX, XXXX. The new collection account was opened by XXXX XXXX XXXX, XXXX on XXXX XXXX, XXXX with a balance of {$0.00}. I called XXXX XXXX XXXX, XXXX on XXXX XXXX, XXXX and spoke with XXXX. I informed XXXX that the original debt was included in my bankruptcy discharge on XXXX XXXX, XXXX XXXX stated that they performed a bankruptcy scrub prior to listed the account as an open collections, but did n't see the debt under bankruptcy. XXXX further stated that she will note account as a bankruptcy and that it should be removed at the beginning of XXXX XXXX, after the update. 
I am disappointed with XXXX XXXX XXXX, XXXX 's remedy to resolve the problem. The original debt was legally discharged, therefore, no one should contact me about recovering the debt and more importantly, list the debt on my credit report as an " open collections '' debt. I am trying rebuild my credit and the inaccurate negative listing has caused harm to my rebuilding efforts with creditors. I feel that I should n't have to wait until XXXX XXXX for XXXX XXXX XXXX, XXXX to remove the inaccurate data ; it should be removed immediately. I tried to file a dispute with Equifax online ; however, I was informed that I need to fax or mail in a request, which would take longer to process. 

Consider This Summary : XXXX XXXX, XXXX -- Original debt included in the bankruptcy petition XXXX XXXX, XXXX -- Debt discharged by bankruptcy court. 
XXXX XXXX, XXXX -- XXXX XXXX XXXX, XXXX tries to collect the debt and lists on my credit report XXXX XXXX, XXXX -- I received an alert from credit monitoring companies XXXX XXXX, XXXX -- I verify the inaccurate data on my report. 
XXXX XXXX, XXXX -- I contact XXXX XXXX XXXX, XXXX ( i.e. XXXX ). 

Please pay close attention to the dates. XXXX XXXX XXXX, XXXX opened the inaccurate account one and a half months after the discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Consumer Loan (Vehicle loan) with DriveTime (TX).
Issue: Managing the loan or lease

Complaint: I XXXX XXXX would like to request the release of all phone calls made into Drivetime from the dates of XXXX to XXXX to the Consumer Financial Protection Bureau at the below address. I have been requesting a Loan Modification on my vehicle for over 30 days and have been continually given the runaround whenever I call in. I have never been late on my payments since my purchase in XX/XX/XXXX. I have attached all email communicationConsumer Financial Protection Bureau Attention : [ Employee Name, Division, and/or Office Number ] XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX am requesting the following:1. Please release all phone calls from the dates of XXXX to XXXX to the CFPB. 
2. Release of your Loan Approval and Loan Modification Procedure from dealership to your corporate headquarters in XXXX and XXXX to the CFPB3. Loan modification to be granted with semi-monthly payments. 


Thank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Account opening, closing, or management

Complaint: XX/XX/XXXX I went into Navy Federal Credit Union to cash a third party check through my Navy Federal account. Prior to going Navy Federal I contacted the company via telephone to make sure I would be able to cash the check and was told that I could. Once at the bank the story changed and I made a fuss about the misinformation. The days to follow I attempted to use my atm card only to find my account was restricted. I continued to bank with NFCU and in XX/XX/XXXX they took about {$3000.00} from a direct deposit to be posted to my account in my sister 's name, who owed the money to me and owed NFCU as well. I was not notified that my account was being restricted in XX/XX/XXXX or why it was restricted ; nor was I aware that it was legal to take money from a member 's account because the money was owed by another member.

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 12-04-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I opened an account ( XXXX ) with XXXX XXXX in XX/XX/XXXX I paid them for a year but never used the service because I never installed any equipment and in XX/XX/XXXX I decided to close the account and I paid them an early termination fee of {$270.00}. Later I began to received a lot of letters from them and as I have automatic draft they tried to take {$440.00} and I disputed with my bank, because I paid them what I owed them before plus the early termination fee. When I called them to ask what was happening they said that there was another account ( XXXX ) in new York with a balance of {$450.00} open with my name and my SSN then I explain that it was not my account that was impossible, they charged {$440.00} to the account that I close with them ( XXXX ) in Florida just because it was with my name and my SSN that someone used. I tried to explain and asked them to find out who opened this account because it was NOT mine and they transferred me to the identity theft department : In this department they said they can not do nothing because XXXX XXXX closed the account ( XXXX ) in new York and transferred the balance to my account ( XXXX ) that was closed ... just because there was opened with same name and social security ..., then there is not any identity theft because this is my real account, they said they CAN NOT investigate a real account then said I have to call XXXX XXXX and find out who transferred this balance and why? to my account. Then I spoke to XXXX XXXX and they said they do not use to transfer the balance of an account to another and they still finding out but any result.They sent me with a collection agency named Convergent Outsourcing and reported to my credit XXXX and XXXX and the only solution they are offering me is to report it to the police department. I would like you to investigate this kind of fraud why do they charged to an account it was paid and closed from another different account that was opened and fraudulent, the thing is if its supposed '' '' '' I have an account in New York : why do n't send the letters and charges with the correct account number opened in new york? and use the account that was pay off?? very convenient, no? because the identity theft department can not investigate it because it was charged to my real account, and a real account can not be investigate.

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 07/28/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (KS).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XX/XX/XXXX MIDLANDMCM I HAVE NO IDEA WHAT THIS IS, FILED A DISPUTE WITH XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I have called my credit card Barclays multiple times to complain about unsolicited marketing mail. This includes 0 % balance transfers and other garbage.

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 10/13/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have mailed several letters via mail and disputed online with the credit bureau and colletors to have inquiries that I did not authorize. I have been effected and my credit score is suffering as an result

Company response to consumer: Closed with explanation