milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/23/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I sent a letter informing Experian that I did not dispute their investigation in late XXXX. They never changed anything I asked. I was turned down for a mortgage because of this. I am attaching the original letter and one I wrote today showing what I need done so my report is accurate. Please help!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Checking or savings account (Other banking product or service) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Hello. My name is XXXX XXXX XXXX. On XXXX/XXXX/XXXX I went to Regions Bank on XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I intended to transfer {$10000.00} of my EE savings bonds to my savings/money market account so as to avoid having to pay taxes. However, the banker XXXX XXXX said that he could cash in all of my savings bonds without incurring any tax penalties. As a result of his advise, I ended up going ahead and cashing in all of my {$100000.00} worth of savings bonds since he said that it would be tax free and they could go into a tax deferred account with no tax penalty. Unfortunately, I feel that he took advantage of me and tried to make sure he could get all of my deposits even though it was not in my best interest. He cashed in all XXXX of my savings bonds and put them into a non-tax deferred account so he could make sure that he got credit for all of my deposits. I am now faced with paying taxes on the full amount because of his greed and lack of morals. I originally wanted to only deposit XXXX, but he talked me into doing all of may savings bonds even though it was not in my best interest. I am a widow with a very limited amount of income and savings. I want them to make up the amount of the taxes that I will have to pay due to their greed and unethical behavior. They are trying to say that they did n't do anything wrong, but what really happened is that after I asked to just cash in XXXX, he talked me into cashing in everything. The bank even tried to set me up with an accountant after they realized the mistake that they made, but the accountant confirmed that they had made a big mistake by making me cash in all of the bonds. Since they are not admitting any blame, they refuse to do anything to help me with the severe tax penalties from cashing in so much at once. They should not be allowed to get away with taking advantage of old ladies like me with not having any penalties. They are being predatory and taking advantage of me, and no one seems to care how much they cost me in tax penalties. I think they are going to tax me about XXXX when all of that could have been avoided if they did the right thing. I even questioned XXXX multiple times about the taxes, and he assured me everything was fine. He lied to me and took advantage of me. I ca n't afford to be ripped off by people like him, as I have no opportunity to replenish my savings at this age. Please help me hold them accountable, as they are lying and not taking responsibility for their actions.

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 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: This account I believe belongs to my mom which lived with me for a couple of years and filed a bankruptcy. I have asked to have this account verified and have received a report saying the account was verified and belongs to me. 
I asked how did they verify the information and they stated they contacted the court so I contacted the court and they indicated they dont provide information to credit bureaus. They then indicated they verified the information from XXXX XXXX which I contacted because I had a security freeze in place and they indicated the credit bureaus cant access my credit report. 
So Im at a loss to how they have verified this account on my report when the sources say they cant be use to verify information.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CO).
Issue: Loan modification,collection,foreclosure

Complaint: We purchased our home in XXXX and the loan was sold to NationStar in XXXX. Due to the market crash of XXXX, the value of the home never recovered. We moved to a different state and began renting the house in XXXX due to better job opportunity. At the 10 year mark, the ARM Loan reset with Nationstar to a 20 year fixed rate mortgage, about double our current monthly loan amount. No notification was sent, no updated paperwork, nothing, just automatically reset. My wife contacted them ASAP and began the modification process and was advised that the modification was in the terms of XXXX. Disputing this, we decided to move ahead with a modification to retain ownership of the property which we have been renting with a property manager since XXXX XXXX. We submitted pay statements 4 times ( via email and to their upload site ), letters of explanation three times, lease agreements on the home we are renting four times, rental agreements between the property manager and renters three times, property management agreements between us and the property management company three times, bank statements twice, etc. over the course of four months. Now, we get approval in early XXXX and were advised that paperwork on the modification would be coming ... no details other then payment will be about {$150.00} less then the refi 'd amount. Week goes by, two weeks go by, three weeks goes by and my wife receives a phone call, advised it is recorded and was pressured to agree to the new payment. My wife countered by saying..wait, we have not seen any paperwork ... what are we getting for interest, loan type, etc? Woman acted surprised and said she would email but wanted confirmation that we would pay ... WITHOUT SEEING ANY PAPERWORK. What sort of high pressure pushing is this? My wife confronted her about this and said she would email ... We both do not feel this is legal or a fair way to do business ... pressure people to approval a loan payment without any paperwork in front of them.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I began refinancing my home with XXXX XXXX on XX/XX/XXXX. I was told by a XXXX XXXX representative it would take about 30 days ; so therefore I should n't make my XX/XX/XXXX payment because it would be covered in the payoff check. On XX/XX/XXXX I was notified by XXXX XXXX that Carrington Mortgage would not send the payoff amount for 30 days. I attempted to make my XX/XX/XXXX payment on XX/XX/XXXX to avoid being late. I was n't notified by Carrington until XX/XX/XXXX that my payment had not been received. So I tried again, using a different bank account, to make my XX/XX/XXXX payment over the phone to avoid being late. Again Carrington stated they were not able to process my payment. I requested the information from Carrington today XX/XX/XXXX to send me the information I input into carrington automated system. Carrington is stating that I must have said or entered the wrong information into the automated system. I remember vividly having my checks in front of me as I typed or stated my account number. I have pleaded with Carrington endlessly to remove the late payment off my credit report and they refuse. I asked for the once a year late payment be removed and they said no. I believe Carrington did n't report the information fairly. If I had been notified immediately the check was n't processed in a timely manner I would have paid it again. It surely does n't appear to be fair to me the consumer because they have an out dated automated system. When I finished paying my payment I received a conformation number stating payment was received. If the automated system could n't find my bank because of bad routing number or a bad bank account it should n't have sent me a confirmation notice stating my payment was received. Most automated systems wont allow you to put in incorrect information and send you a confirmation rely stating they received the funds, when they didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX determined a loan that they had for me was fraud. Instead of removing it they charged it off told me that i was not responsible however XXXX XXXX picked it up added money to it and is harrassing me claiming to sue me. It is not my debt i am not responsible and it needs to be removed now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2017 about Payday loan, title loan, or personal loan (Title loan) with CURO Intermediate Holdings (LA).
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint: Money was withdrawn from my bank account that was no longer my bank account and this withdrawl was not authorized. Payments were being made to a XXXX party collection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX was dismissed in my bankruptcy with the last activity ofXX/XX/XXXX. However, all 3 credit agencies reported it as a late payment in XX/XX/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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Ive been a XXXX  XXXX client for over 16 years opening my first credit card account with them in XX/XX/XXXX. In XXXX they reported a 30 day late payment on my credit report which severely damaged my credit score with false information. I had payed the minimum balance but the transaction was pending and not excepted until after the due date which is out of my control and not my fault, even XXXX  XXXX agreed and said that i was not at blame. Even so that they actually refunded me for the late fee i was charged because they said i was actually not late on the payment that it was an error. i attached files showing the late fee being charged in XXXX ( the month thats appearing as 30 days late on my credit report ) and proof of my payment to the company along with the refunded payment they sent me back for there mistake. I told them to also remove the late payment from my credit report but they refused and it has been on there since.

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 06/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On a statement, American Express set my Due Date as  XX/XX/XXXX  ( Sunday ), From my bank, I initiated Electronic payment on XX/XX/XXXX  ( Thursday ), My Bank processed Electronic Payment on  XX/XX/XXXX  ( Friday ) Bank confirmed in a statement that Electronic Payment has sent on  XX/XX/XXXX  ( Friday ) American Express is saying they are receiving and processing payment everyday from other financial institutes, but still on my statement, they posted payment on XX/XX/XXXX  Tuesday.
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My Bank is saying they did their job on  XX/XX/XXXX  Electronically, and Amex is saying, they are receiving and processing payment everyday, then why American Express purposely putting Payment due date as  XX/XX/XXXX .
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American Express has charged me {$38.00} Late Fee and {$130.00} Interest, which both they refused to remove.
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Its appears that, with Dodd-Frank regulation, Financial Institutions are committed to avoid Traps, which harms consumers and should be avoiding those traps, to make money.
<P/>
While American Express knows that,  XX/XX/XXXX  was Sunday and  XX/XX/XXXX was   XXXX   XXXX   public holiday and most of Financial Institutions in USA do not execute internal transactions on Sunday with each other, American Express is benefiting and making money by setting up this type of traps which negatively impacts consumers. So whomever customer do not raise their voice, would end-up paying Fees and Interest without their wrong doing..

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (ID).
Issue: Deposits and withdrawals

Complaint: We closed on a home and need to forward the funds to current mortgage. We had the escrow officer deposit the amount to our Wells Fargo account as a cashiers check so it would be available within a day but they are holding it for more than seven days! Our escrow officer said that was illegal to detain our funds and so we are following up with the appropriate agency 's involved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (I do not know) with Monarch Recovery Holdings, Inc. (CO).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This company keeps calling for a XXXX XXXX XXXX dozens of calls - maybe one per day for several weeks ), and we have repeatedly told than that she is not at this number. Yet they keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent Experian a request to investigate errors on my report back in late XXXX. Nearly three months have gone by, and they have not responded yet. I have even sent follow-up letter, to no avail.

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 06/28/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (DC).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: My problem started in XXXX 2017. Suntrust Bank N.A. Refunded some of the fees for my items which were submitted to be paid ( such as health memberships, XXXX, etc ). My cable bill and my cell phone bills went through this account as well. In XXXX 2017, I became ill and noticed that my acct was overdrawn by {$200.00}. I called the bank and told them I did not want them to honor any automatic payments. I spoke with the manager on XX/XX/XXXX and she said she had reviewed my account and would call me back. She never did and the charges have now amounted to -XXXX. <P/>I am going to close this account, and I have contacted my automatic billers to not bill that account. I have accrued over {$500.00} in {$36.00} overdraft fee increments. Please assist me in recovering some of these fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax Information Services , LLC is purposely violating FDCPA, section 809 and FCRA 611 ( a ) rule and illegally reporting inaccurate and incorrect negative information on my credit report damaging my credit score. The company fails to delete a debt and fails to not report a debt that is not mine. I responded with a deletion of debt request and sent in personal verification information to verify I am not the individual whom owns the debt. Despite the removal of incorrect account information. The company continues to damage my credit score and profile by reporting the same negative information. Furthermore, Equifax is in violation of 611 ( a ) ( 5 ) ( A ) ( 1 ) by not having the original paperwork to verify the validity and accuracy before reporting negative information on my credit profile knowing the negative impact it would cause. These illegal practices are n't acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: In mid XXXX 2015 I observed an unauthorized purchase for {$230.00} from XXXX listed as pending on my account. I immediately contacted Capital One and informed them the purchase was unauthorized, and was told I was unable to dispute the charge until it posted to my account. Upon the transaction being posted I informed capital One verbally and via their online secure messaging system. I was initially give temporary credit, and Capital One disputed the charge. However, Capital One disputed the charge incorrectly. They did not dispute as unauthorized, the merchant disputed and the charge was reissued on my account. Capital One informed me the merchant stated the merchandise was received, I again informed Capital One that the transaction was unauthorized, I did not make the purchase and never received any type of benefit from the purchase. Capital One stated they incorrectly filed the dispute and would now file as an unauthorized charge. XXXX BILLING CYCLES LATER Capital One denied my claim, stating the merchandise was delivered to my home by XXXX. When I again stated I did not authorize the purchase or receive the merchandise, Capital One again said the merchandise was delivered to my home and opinioned that an individual who could have had access to my information such as a family member may have made the unauthorized purchase. My own research revealed XXXX delivered the merchandise to my home and left it without a signature and the delivery was not in my name. When I informed Capital One of this information and suggested that if someone was expecting the package since it was a scheduled delivery via XXXX, perhaps the individual removed the merchandise from my front stoop, Capital One said that could never happened. When I informed Capital One that since they took over XXXX billing cycles to resolve the issue, as per Federal Regulation they could not hold me responsible for the purchase, Capital One agreed they had the initial dispute over XXXX billing cycles, but their fraud unit did not and therefore the Regulation does not apply. If Capital One properly filed the dispute as unauthorized from the beginning there would have been no issues, why should I be penalized because of Capital One 's negligence?

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Consumer Loan (Installment loan) with Ditech Financial LLC (OH).
Issue: Problems when you are unable to pay

Complaint: I had a loan with DiTech Financial that went into collections in 2015. They have sent this loan to a collection agency that now reports this account as a collection account on my credit report as a separate listing. According to the Fair Credit Reporting Act, XXXX different companies can not report the same debt on one 's credit report simultaneously. That is double jeopardy. Since DiTech Financial has transferred this debt to a new entity that is now reporting it on my credit report, DiTech financial should either delete their listing, or update their listing to show the account has been transferred. Currently, DiTech is reporting that my loan with them is actively past due, while the company they transferred it to is reporting it as a collection account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Consumer Loan (Vehicle loan) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Problems when you are unable to pay

Complaint: On XX/XX/2016, I received a notification letter from Navy Federal Credit Union making threats to repossess my XXXX Nissan Pathfinder stating that it will be used as partial collateral on my auto loan account which Navy Federal Credit Union claims is in " default ''. My account is not in default and I have been making monthly payments but the collection department does not seem to have records of my payments but the other departments have records of my payments. I am getting daily calls and computer calls from them about an account that I am making payments on. The number that the Navy Federal Collection Department is calling me from is 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 09-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Ex spouse received property in the divorce settlement. Divorce proceedings give the account in question 100 % to my ex as well as the mortgage. Told this to XXXX XXXX as XXXX our names are on the note, but they did not care. Ex spouse is in the middle of a refi with XXXX XXXX mortgage. This action should have stopped them from ever placing a late payment on my credit. Since the ex is in the middle of the refi, he did not pay the monthly amount due, again not my fault, especially since I was not even aware of the situation in the first place. XXXX XXXX Mortgage erronously placed a late payment on my credit rather than the ex spouses credit. I contacted XXXX XXXX and they could care less. They have confirmed the paperwork has been approved and is awaiting my exes signature ( 2-3 weeks they said ) and this mortgage will be his and his alone. I would love to file a dispute with XXXX XXXX if someone could tell me how. Please see page of the attached divorce stipulated judgement granting my ex this property and not me. The account in question is XXXX XXXX Home Equity Loan balance of {$63000.00} on XXXX XXXX XXXX. Please see the attached Stipulated Judgement Page XXXX Item XXXX, Page XXXX, Item XXXX and Page XXXX the last paragraph on page XXXX going onto page XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation