milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2016 about Credit card () with U.S. BANCORP (TX).
Issue: Payoff process

Complaint: Formal Complaint and notice of Violation of Credit Card Responsibility and Disclosure Act of XXXX Attn : Office of President U.S. Bank Reference : Account # XXXX Operator : XXXX # XXXX Mr. President, I attempted to call in to your company on XXXX/XXXX/XXXX and make a payment on my account. My account currently shows XXXX separate APR 's and my attempt was to pay off in full the higher interest rate of 23.24 % at the sum of $ XXXX. This would leave the remaining balance of $ XXXX at the lower interest rate of 18.24 %. This would leave me 11 days to pay the " minimum payment due '' before the date of XXXX/XXXX/XXXX. Federal law clearly states the following : Handling of Payments Credit card companies are now required to abide by certain rules regarding how to handle payments made on an account. One of the most important changes is that for customers who have multiple APR 's applying to different types of debt credit card companies must now apply those consumer 's payments to debt in the order of the highest APR first. No longer can companies apply payments to debts with lower APR, while leaving debts with higher APR to accrue interest charges. '' Your operator XXXX # XXXX refused to take my payment and apply it to the higher interest rate today. He was n't refusing to take my payment but did state that he would apply it elsewhere leaving the higher interest rate balance to accrue the higher rate of profit to your company. This is a clear violation of the Credit Card Responsibility and Discloser Act of XXXX and I request your assistance in correcting this complete and total disregard of Federal Law immediately. My goal is to satisfy my debt as soon as possible but when a consumer calls into your company, not only is he met with a total disregard of the law but an obvious attempt to gain the most profit for your company as possible. This is not only illegal but immoral. Furthermore, I request a lower interest rate on the remaining balance as a sign of good faith on your company 's behalf to show that you are trying to at least help your customers who may have experienced a tragedy in their life beyond their control. I do understand that you are in the business to make money and profit to which I have no disagreement. I 'm merely requesting a lower APR on the remaining balance to facilitate a consumer making some progress in paying the debt off faster. This would also show a sign of good faith due to your employee 's total lack of complying with the Federal Law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I 've reached out to Wells Fargo to modify my loan. On XXXX XXXX, XXXX, I submitted all of my loan modification paperwork with supporting documentation as was required in order for the non judicial foreclosure scheduled on XXXX XXXX, XXXX to be suspended. 
Unfortunately when I went to the Wells Fargo portal to check my loan modification status on XXXX XXXX, XXXX, it 's showing that the foreclosure sale it still active for XXXX XXXX, XXXX. 
Per the guidelines of any any modification agreements that were executed with security deeds under FHA/HUD and were placed in XXXX XXXX Pools that did not follow XXXX XXXX guidelines prior and current, will be null and void per the regulations of XXXX XXXX Mortgage Backed Securities Wells Fargo is in violation of the Amended Office of Comptroller and Currency XXXX Consent Order regarding this loan In particularly ; Article IV - Compliance Program Article VIII - Management Information Systems Article IX - Mortgage Servicing 1 ). I 'm attaching the completed modification packet ; 2 ) .the Amended XXXX OCC Consent Order ; 3 ). Wells Fargo Loan status showing that even though my modification pact was submitted, I 'm still showing the sale is moving forward. 4 ) Verified Affidavit stating that Wells Fargo has no authority to enforce the Security Deed and Note.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Transunion as normal makes it impossible to file a dispute. There is erroneous info about late payments on my report from XXXX XXXX XXXX on a car loan which has been paid by the insurance company. I tried to file a dispute and Transunion site just stops allowing me to continue every time. these hang ups are clearly a way to discourage customers and should be considered a severe violation. I 'm being refuse access to file disputes because of an ongoing failure of their site which they refuse to fix.

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 09/26/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: In 2013 the XXXX of XXXX airport, XXXX, seized my mobile home park and all the houses in it. XXXX relocated the residents under eminent domain. I still owed $ XXXX on my mobile home. XXXX settled that account with the mortgage holder, GreenTree ( now DITECH ). I had nothing to do with that transaction. I continued to make my payments to GreenTree on time during the transition from XXXX address to another. I now learn that DITECH is making " derogatory '' reports at XXXX and XXXX, stating that the account has been settled for less than the agreed upon sum. That sum had nothing to do with me ; this is between GreenTree and XXXX, the entity with who they made the agreement. As a displaced person I had no say and no choice in any part of the payoff process. I want that negative mark removed from my credit reports, or some addendum to eliminate any suggestion that I changed course while under contract with GreenTree/DITECH.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a Wells Fargo Credit card back in 2016. I had it paid off yet the payment was not recorded. The account was then in collections for some time being mailed to the wrong address without my knowledge. I examined my credit report and noticed that it was in collections and charged off. The balance was very very low that was owed. I spoke with a representative over the phone and they informed me that if I paid the couple buck owed plus a fee then the negative marks will be removed. After I paid the fee and looked at my account I noticed the negative marks were still there. Also, I noticed that XXXX is still reporting my account as derogatory when it is paid in full.

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 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (MS).
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: I contacted Lexis Nexis regarding a public record. They told me the information was verified but did not tell me how. According, to the FCRA this information have to be provided with physical documentation. Also, this information have to be verified with the courts and the courts have to verify it. Third party sources such as XXXX does n't count as verification. I ask if could be removed Upon viewing my credit report I found many inaccuracies and they refuse to remove it from credit report that 's violating FCRA I 'm in the market to purchase a home and need these removed

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (MI).
Issue: Taking out the loan or lease

Complaint: I purchase a vehicle from motorama auto dealership in XXXX of XXXX within 30 days I had tire problems and half of my Dashboard lights went out. It was during this time that the owner of the company told me that he never touch the tires ( Which I do n't believe because they were brand new ) But he said he put a Engine in it which he did n't tell me when I bought the car. 2 months ago the engine started to knock and the Alternator went out a month ago. The dealership said when he bought the engine it had a month warranty. And quoted me XXXX plus the cost of the engine. I am still making payments on this vehicle. I feel this dealership operated in bad faith.

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 06-02-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I ha ve been a Macy 's  card holder for a few years now. I had a payment due  XXXX   XXXX  but since they NEVER updated my address ( I move every year or so due to rent increases in   XXXX   and it takes them repeated attempts to change my address ), they sent my bill to the wrong address and then I got it late -- paid it  XXXX   XXXX . Starting  XXXX   XXXX , I have been receiving phone calls from phone numbers in  XXXX   (   XXXX ,  XXXX  ) NONSTOP. I figured it was a salesperson because ever since I went to the  XXXX   XXXX  concert with my mom and gave them my phone number in a raffle, I 've been harassed at all hours of the day -- but that 's another story. When I finally answered and found out it  was Macys, I  almost fell off my chair. I mean, really?! A few dates late and already they are calling me -- I have received  14 phone calls in 52 ho ur period, all I have screen shots for :  XXXX   XXXX  :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX    XXXX   XXXX  :    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    Does that sound reasonable?? I mean this is so ridiculous. And the payment I made in  XXXX  was on time, with no late fees or any extra fees. So basically they are harassing a loyal and good custom er 14 times in le ss than 3 days because of being 6 days late on a payment -- due to an address change!   And there was  NOT ONE  voice message left in all those phone calls so that I knew who was harassing me and could have dealt with it.   This is true harassment and something needs to be done about this. And I 'm not the only one, I 'm sure.    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 05/20/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Convergent attempting to collect a debt for {$5100.00} acct    XXXX  from a previous fraud account dating back over 10 years disputed with original creditor and violates my rights under Fcra and Fdcpa and the statute of Limitations and i request a  Cease and desis t on a collections from this Fraud account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is a Supplement to existing Claim XXXX currently pending before CFPB. Upon my filing a complaint, Citibank now has referred a failure to pay to the credit reporting agencies in retaliation for my filing a complaint. They call my office and cell phone on a daily basis demanding payment that is not due.

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 03-03-2016 about Debt collection (Payday loan) with Advance America, Cash Advance Centers, Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I explained to advanced America do that I experienced check fraud and they told me that they have to proceed with allowing the check to bounce. At that point they decided that they would say 30 days to allow the debt to going to delinquent status and then I can make payment arrangements. At that point they continuously called my job as XXXX told them for multiple occasions to stop calling my job I am not allowed received a collection calls at work in particular this phone number. This was back in XXXX XXXX after they do calls 4 to 5 times I 'm most locations when I told Them to stop now here it is XXXX XXXX in the same office is calling my job they 're calling my cell phone they 're calling consistently trying to say that is imperative that they speak with me you 're not identify who they are what they represent however I did a reverse phone lookup and it 's a XXXX XXXX and XXXX Virginia or XXXX XXXX. The callers name is XXXX at XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Opened a account at XXXX XXXX had fraud when disputed itThey said no problem opened me a new accountApparently they then decided new was opened to soonAnd they closed it without my knowledgeThey also applied for a credit card for me I did not authorizeOr ask forI then went to another bank to open a accountAnd was told XXXX report me to check systemFor suspected fraud? I 've been trying to get corrected for5 yrs now ca n't get a account anywhere!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX XXXX, XXXX I was notified by Experian that my credit score had dropped significantly. When I checked into this, I found that a credit union which I settled with in court re-reported my account as 2 years past due. After seeing this, I contacted Experian to dispute this report. 
In XXXX, I took out a personal loan through my credit union. Towards the end of XXXX I ran into financial difficulty and could not afford to pay my debt back. In XXXX, my credit union reported my derogatory status and closed the account on my credit report. That same year they filed a judgement against me, which I ended up satisfying in XXXX. I have court documents stating this settlement. Now it 's XXXX and this credit union is just reporting that they charged off the account and are showing non payment for XXXX - XXXX. Because of this it has dropped my credit score XXXX points. Can you help in with this incorrect credit reporting? 
Regards!

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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Good evening, my name is XXXX XXXX and I am a little frustrated, confused, and at my wits end. I am hoping to get some type of resolution to my ongoing issues with Equifax. I am a consumer that consistently monitors my credit report and anytime there is an issue I try my best to contact either the creditor or the credit bureau to rectify the situation. To my avail the credit bureau Equifax has been very reluctant to rectify the fraudulent, unauthorized inquiries that are listed on my credit report. I have disputed until I am blue in the face, I have even submitted a letter from one of the creditors stating that an inquiry is fraudulent and they still refuse to delete it. So I've decided to take it a step further. I have also emailed the CEO of Equifax and still nothing. Hopefully, my complaint will resolve the issues that I continue to have with Equifax. Attached you will find the order of my disputes with Equifax. I am trying to acquire credit and it makes it hard to do so with incorrect information showing on my report. I filed a dispute online on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and nothing has been resolved. The one time I called to dispute the information over the phone, the representative was very rude and hung up on me and I was not pleased. The only thing I'd like is for the issue above to be resolved and DELETED from my credit file. With all of the breaches and such within the company, you would think that they'd be a bit more responsive! Again, I appreciate your assistance is getting this issue resolved! 
The fraudulent inquiries are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Disputed this claim with the landlord of   XXXX   XXXX   XXXX   XXXX  ,  XXXX , KY. Charged for utilities after I moved. Due to renovations conducted the apartment became a health hazard. I paid rent due according to the lease. They were obstinate about paying utilities no longer in use after I moved and entered the apartment after I left and were working on it while I still had time remaining on the lease. I do n't know when they allowed another occupant into that apartment. It has been reported to   XXXX   and to  XXXX . Online disputes to no avail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Settlement process and costs

Complaint: I do not agree with your response. I did n't ask for you to give me a response. I want the contact person and location where I would serve papers for small claims court. All I want is the address I do n't agree with your response just looking for the address and have left you several messages without a return call. Please provide me the address immediately that is all I am asking for.

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 04-03-2018 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (NH).
Issue: Trouble during payment process

Complaint: My Mortgage Company Is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX NMLS ID : XXXX XXXX I have made every payment. The Mortgage company failed to pay my town property taxes out of the escrow account that were due XX/XX/XXXX. I was notified by the town on XX/XX/XXXX that the taxes had not been paid and that they intended to put a lien on my house for non-payment of taxes. I immediately notified Freedom Mortgage and followed up several times, but they failed and refused to pay the taxes. 

On XX/XX/XXXX I paid the taxes, interest and penalties in the total amount of {$4900.00}. I have called and emailed Freedom Mortgage numerous times but they have failed and refused to reimburse me for the tax, interest and penalties I had to pay because they failed to do so. All they will tell me when I call is " we have a ticket open. '' I could not afford to pay this {$4900.00} and to make it worse, I still had to come up with my regular mortgage payment on XX/XX/XXXX. This is a serious financial hardship. 

Please help and take all possible regulatory actions against 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 explanation
Consumer complaint received 04-01-2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I went into a Wells fargo Branch roughly a month ago to discuss the situation regarding the Overdraft Protection fees I continued to get. One month I 'd tallied roughly {$71.00} in overdraft " protection '' fees although the money was in my Savings account and all they did was cover my transactions via that account. I explained that I was no longer interested in the service and the Banker suggested that I open a XXXX checking and savings to remedy the situation. Lo and behold not two days later I was hit yet again with an " protection '' fee because he 'd transferred money to XXXX account and another account and honestly I just wanted to stop using the overdraft service. I would much rather they decline my card and I pay for something using another method than have all these accounts and this " protection '' that is costing me {$12.00} every time I do n't put the money in the right account. It 's frustrating and misleading. If I have the money in XXXX of my accounts, just take it from there. Stop charging me every time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/27/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (IA).
Issue: Loan modification,collection,foreclosure

Complaint: Mother passed away in XXXX of 2014 with a mortgage with PNC Mortgage. We were unable to pay it as we were awaiting probate and access to her funds. The mortgage company would not talk to us because we were not authorized but they were notified of the situation. By the time we had access, the account was sent to foreclosure and we were forced to pay a large penalty to get the account back into good standing. We have since sold the house and paid off the mortgage but feel it should have never been transferred to foreclosure as we in good faith did all we could under the circumstances. We would like to recoup the money that we paid that was above and beyond the normal mortgage amount.

Company response to consumer: Closed with explanation