milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/23/2017 about Debt collection (Other debt) with EOS Holdings, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had an annual paid satellite radio subscription with XXXX XXXX on my XXXX XXXX XXXX for the period XX/XX/XXXX XX/XX/XXXX. In XX/XX/XXXX I was in a car accident and my XXXX XXXX was totaled. On XX/XX/XXXX I spoke with XXXX and explained the situation and asked for my subscription to be SUSPENDED until I had purchased a new vehicle to re-activate and apply the remaining service months to my new vehicle. It was explained to me on that call that the service could be suspended for up to 5 months and I need to call before the 5 months ( no later than XX/XX/XXXX ) to reassign the subscription. On XX/XX/XXXX ( before the 5 month deadline ), I called XXXX and spoke to XXXX to have the service transferred to my new vehicle, XXXX XXXX XXXX. She assured me this would be taken care. Also note, the new XXXX XXXX that I purchased came with a free trial for XXXX that was scheduled to end on XX/XX/XXXX. So with the 6 month credit from the suspended service on the XXXX XXXX and the trial period on the XXXX I should have had XXXX XXXX XXXX through at least XX/XX/XXXX. Well sometime XX/XX/XXXX XXXX shutoff the satellite radio service to my XXXX and I contacted them through a live chat session. During this live chat, my XX/XX/XXXX call was confirmed about suspending service on the XXXX XXXX. Also during that chat, I was told a refund of {$77.00} would be sent to me right away for the unused service, but I never received a refund. So I never received the 6 month service I was due nor did I receive the promised refund check of {$77.00}. 

XXXX owes me at least 6 months of satellite radio or the refund check of {$77.00}. I certainly dont owe them any money. Now they have sent a balance notice to collections trying to collect {$50.00} from me??? They owe me a refund of {$77.00} or satellite radio service in my XXXX for the 6 month period.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Application, originator, mortgage broker

Complaint: I recently refinanced my home mortgage with Wells Fargo. My complaint is that Wells attempted to delay payment of my school taxes from the old mortgage 's escrow account in a way that resulted in the new, refinanced mortgage having a higher balance. It 's complicated but this is what happened : - My local school taxes are due in XXXX. Each year, Wells Fargo would make the payment ( around {$3500.00} ) from my escrow balance. I applied for the financing in XXXX, with an eye toward completing the refinancing in XXXX or early XXXX. But I had questions about what would happen to the escrow account. The Wells Fargo loan officer explained to me, in XXXX, that the outstanding escrow balance, which was peaking due to upcoming payments, would be used to pay down the principal on the original mortgage. For example, if the payoff amount on the loan was {$150000.00}, and the escrow balance was {$6000.00}, at closing, that {$6000.00} would be applied to the loan, bringing the balance down to {$140000.00}. That seems positive -- but I would still on the hook to make the {$3500.00} tax payment in XXXX. I became concerned that, if the refinancing closed before the school taxes were paid, I would need to come up with an addition {$3500.00} at closing. Wells Fargo told me not to worry. In an email, the officer told me that the school taxes would be paid in XXXX before the closing, which ended up being scheduled for XXXX XXXX. I kept an eye on my mortgage account online, but the XXXX payment never posted. Finally, a couple of days before closing, I called Wells Fargo 's call center and they told me the tax payment had been put on " hold. '' They did n't pay my school taxes as expected and promised. Then the kicker : I received the Closing Disclosure from Wells Fargo. My outstanding escrow balance was being used to pay off the old loan, as they told me it would. But they added to the loan principle {$3500.00} for outstanding XXXX school taxes and prepayments for 11 months of school taxes for XXXX. By delaying payment of my XXXX school taxes from escrow, they effectively inflated the balance of my new loan by {$3500.00}. The interest on {$3500.00} on a XXXX, 3 % loan is not much. But if this is their standard business practice, Wells Fargo can incrementally boost their customers ' mortgage balances, at least during months when big tax payments come due. Multiply that by XXXX or mortgages over many years, and it 's real money. 
I told my mortgage officer that I would walk away from the loan if the school tax was not made. Wells Fargo did do this. But if I had n't made a stink, I would have been out {$920.00} in added interest payments over the life of the loan ( see attached closing disclosures ).

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 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have written XXXX letters to XXXX ; XXXX in XXXX XXXX & XXXX in XXXX XXXX to have them remove numerous out dated accounts over XXXX old still being reported and/or on my credit report, many incorrectly reported status of accounts that are not in collections and/or XXXX yrs in state of NY expired alleged debt are still on there.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, XXXX, My family and I am in receipt of the proposed loan modification from Fay Servicing, which is my servicer and this was what they offered : they want me to come up with {$8600.00} up front, they are increasing my interest rate to XXXX percent and my payment is going to be bumped up to $ XXXX/month ( principal, interest, taxes and insurance ) and my trial payments period is going to be XXXX months before they permanently modify my loan and they want this documents to be signed and delivered in their office no later than on the XXXX XXXX, XXXX. If it goes beyond XXXX XXXX, they automatically continue with the forclosure. Now, please do n't get me wrong, I appreciate the opportunity to modify this loan but this was what I was originally paying XXXX : They asked {$0.00} upfront, I was originally paying a 2 and 1/4 percent interest, my payment was about {$1400.00} ( PITI ) for the next XXXX years and increasing very slightly after the XXXX year. XXXX only made me make XXXX months trial payments, before they permanently modified my mortgage. Now, we understand that we fell behind and got in trouble because of the garnishment of my wages from XXXX XXXX but this was not totally our fault. Since this was caused by our work furloughs imposed to us as state workers from XX/XX/XXXX to XX/XX/XXXX. This basically took about XXXX percent of our ( my wifeand I ) such that we fell behind some credit card bills and came back to haunt us in XX/XX/XXXX. 
If we had {$8600.00} to give up we would have gladly started paying this for our mortgage. We currently have XXXX kids in college we are trying to support and another XXXX in XXXX this XXXX XXXX and going to XXXX in the fall. We do not have that kind of cash nor do we have any other resources to pay this amount. My wife and I have our credit both shot and we also have to maintain a lot of old vehicles that are starting to conk out and appliances in our house we have been trying to nurse for we are unable to replace these at the moment. We want to keep our home but we will be unable to come up with {$8600.00} up front. We feel that Fay Servicing and XXXX XXXX, who is the owner of our mortgage, is trying to show in the surface that they are offering to modify the loan with very steep conditions and requirements but really the end result is a foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX I took out a mortgage loan with XXXX XXXX XXXX. They advertised affordable monthly payments and low interest rates on their loans. However, every month the bill came higher than expected. It got to the point where I no longer was able to afford a monthly payment. In XXXX, XXXX Bank, entity that did not know, started a foreclosure action against me. The entity suing me was different than the one I took out the loan. Then, I heard from American Servicing Company, another bank that started collecting the debt. I tried to do loan modifications several times but I was denied. I feel that the bank did not do a proper and fair review of my loan modifcation application and just wants the house to be foreclose. The legality of this loan is in question since I do not know to which entity do I really owe money to.

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 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Allied Interstate LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have notified this company, and have gave them signed affidavit, advising them that this is not my 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 non-monetary relief
Consumer complaint received 01/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Performant Financial Corporation (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX the N.M. Dept. of Taxation notified me that I owed state taxes for XX/XX/XXXX in the amount of {$3500.00} and that the account had been assigned to a collection agency. I contacted the collection agency called Performant Recovery and made arrangements to pay {$100.00} per month on one of my bank credit cards beginning XX/XX/XXXX. I agreed to pay this until I could investigate the allegations and so that the collection agency would not contact the credit bureau and damage my credit. I knew that the alleged amount owed was drastically wrong because my earnings from my work for the entire year was only around {$75000.00}. 

I hired a C.P.A. and together we did my XX/XX/XXXX state tax forms again : I owed {$260.00}! Also, XX/XX/XXXX I had called the N.M. State Taxation department and was frequently in contact with an employee there who was handling my account. I sent the N.M. State Personal Income Tax forms directly to her as she instructed, by certified mail on XX/XX/XXXX. Meanwhile, I had been paying {$100.00} per month to Performant Recovery. When I informed the N.M. State Dept. of Taxation of their huge error I demanded that they notify Performant Recovery to discontinue billing my credit card immediately and reimburse me the overpayments that I made. Also, I called the Performant Recover company several times and was left " holding '' for 20-30 minutes every time without ever speaking to a human being. I then left messages about stopping the monthly charges. However, they never stopped charging my bank credit card even at this writing! Phone calls to the N.M. State Taxation and Revenue Dept. were never returned and the woman who had handled my account was sent to a different department. The new person never returned my calls or contacted me in any way. My bank fined me late charges for not paying the {$100.00} bill per month and I filed complaints with the bank ; but Performant Recovery kept charging my credit card and still is. They are sending threatening letters to me about what they are calling a " delinquent account '' for a balance of {$2600.00} when I owed the state of N.M. only {$260.00}.! They need to be stopped and they need to reimburse me for all the overpayments!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I WAS ENROLLED TO XXXX XXXX IN XXXX IN XX/XX/XXXX - THROUGH XXXX - THEY GOT ME XXXX PRIVATE LOANS THROUGH THEIR LENDERS AND FED STUDENT LOANS - I WAS BORN AND RAISED IN XXXX, PA AND EXCELLED IN XXXX SCHOOL AND XXXX COLLEGE -I TOOK THEIR ASSESSMENT EXAMS AND PASSED THEM AND WAS ADMITTED TO XXXX XXXX XXXX HOWEVER, I ALONG WITH SEVERAL STUDENTS STRUGGLED UNDERSTANDING XXXX INSTRUCTORS, WHO WERE TRYING TO TEACH US IN ENGLISH, AND THIS BECAME XXXX AND I COULD NT UNDERSTAND THEM AND COULD NT FOCUS. SO AFTER 2 YEARS I DROPPED OUT AND STARTED FROM SCRATCH IN XXXX COLLEGE IN XXXX FIELD - I RESUMED MY STUDENT LOAN PAYMENTS WITH XXXX ETC ... BUT WAS UNABLE TO REACH MY LENDER DIRECTLY WHICH HAD SOLD MY LOAN TO 3RD PARTY - XXXX XXXX XXXX, WHICH ADDED HUGE COLLECTION PENALTIES TO MY LOAN - AND THEN KEPT CHANGING COLLECTION AGENCIES - I 'VE MADE ATTEMPTS TO REACH A REASONABLE PAYMENT PLAN WITH THEM, BUT NO SUCCESS - RECENTLY THIS LOAN WAS SOLD TO TRANSWORD SYSTEMS INC- ACT / # XXXX - I FOLLOWED UP WITH THEM TO SET UP SOME REPAYMENT PROGRAM, THEY SAID THEY CAN NOT DO IT, AND WILL FILE JUDGMENT AGAINST ME AND FORWARDED MY ACCOUNT TO XXXX X XXXX XXXX ON XXXX/XXXX/XXXX - I FINALLY REACHED HER AND SHE SAID THAT SHE DOES NOT SEE THIS FILE WITH THEM, BUT WILL REPLY BACK, WHICH SHE NEVER DID, -FINALLY, I CALLED AND LEFT VOICE MAIL FOR THEM FOR FURTHER ASSISTANCE AND GUIDANCE. - BASED ON MY RESEARCH, XXXX XXXX XXXX HAS DESTROYED STUDENT 'S CREDITS AND FUTURE BY NOT WORKING WITH THEM. 
ALL I 'VE REQUESTED THEM IS TO WORK WITH ME, SET UP REASONABLE TERMS / CONDITIONS FOR REPAYMENT PLAN- I 'VE GOT A GOOD PAYING CONTRACT JOB AND AM WILLING TO MAKE PAYMENTS XXXX XXXX XXXX I HAVE ATTEMPTED TO REACH XXXX XXXX AND WAS ADVISED THAT SHE NO LONGER WORKS THERE, INSTEAD I WAS ASKED TO SPEAK WITH SOME GUY, WHO CLAIMED TO BE MANAGER ( DONT RECALL HIS NAME ) I HAVE RECD LOAN COPIES, ITS PARTIAL PROMISSORY NOTE, ITS MISSING SEVERAL PAGES AND MY SIGNATURES. 
ALSO, I 'M REQUESTING THAT MY DAD XXXX XXXX XXXX CELL-CAN BE CONTACTED FOR FURTHER COMMUNICATION ( I AUTHORIZE HIM TO SPEAK WITH YOU ) THANKS

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I found out recently that someone, clearly someone pulling something fraudulent, had XXXX pull a HARD credit against my name and SSN. I was and am furious that someone did this as this caused my credit score to decrease. It is appalling that XXXX did not contact me at my mailing address or landline phone to see if this request for services from them in MY NAME with MY SSSN was legit. 

The date of the HARD credit inquiry was XXXX/XXXX/XXXX. 

Per TransUnion I rang XXXX and it was a total fiasco. They told me to go ONLY in person to XXXX. XXXX in person said that they could do NOTHING and that the credit bureau has to dispute/remove the hard credit search. 

I DO NOT HAVE time to deal with this so I need this HARD credit inquiry to be scrubbed from ALL of the credit reporting agencies.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have requested several times that Equifax remove unauthorized credit inquiries that appear on my credit report that I have no knowledge of and did not authorize with approval.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (NC).
Issue: Trouble during payment process

Complaint: I closed on a refinance XX/XX/XXXX. My loan was funded XX/XX/XXXX and my previous lender, Dovenmuehle Mortgage, was paid off. They were holding an escrow fund of {$4300.00}, which was to be mailed to me within 2 weeks. As of XX/XX/XXXX, I have still not received a check from Dovenmuehle. I have called their desk 4 times and requested them to reissue a check. Each time, they stated the original check was mailed XX/XX/XXXX and that their policy was to wait 30 days from issue to resend the check. Escalating to supervisors did not change their response. 

When I called today, they stated they would send another check with no tracking number. If I did not receive it in 30 days, I could call and have them re-issue a check. When I asked for them to overnight the refund check, they stated it would have to be escalated to another department. I would receive a response with 24-48 hours if they would decide to overnight the check. 

These are all classic stalling techniques. I do not know if Dovenmuehle is a solvent entity since my mortgage was purchased by them without my knowledge or consent. It is unacceptable that they can hold on to {$4300.00}, stone wall me, and refuse to expedite service when they are in the wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There are several discrepancies with my personal information. The following does not apply to me : Social security numbers related to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not my spouse I am not associated with these names : XXXX XXXX XXXX XXXX XXXX I have not lived at these addresses : 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 09/28/2015 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (TN).
Issue: Loan servicing, payments, escrow account

Complaint: M & T mortgage required me to send my Fire and Casualty claim check to be held in escrow for home repairs. My damages were XXXX XXXX and they hold my money even though i have been displaced. I am not going to have a place to live due to the amount of time it has taken to get started on my home repairs. They have my check for {$44000.00} and are in no hurry to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: On XXXX/XXXX/XXXX I reserved a car through XXXX for $ XXXX for XXXX/XXXX/XXXX through XXXX/XXXX/XXXX for total amount {$870.00} with my debit card. It was clearly stated that if a vehicle was reserved without a credit card, a {$500.00} deposit would be charged and a full refund upon return of the car upon inspection. I only agreed to this term as I do not have any credit cards, with full expectation that my {$500.00} would be credited back to my checking account. I even inquired at the National rental location prior to receiving the vehicle, and I was assured of this and that the process would be 24-72 hours depending on my bank. I once again inquired of the policy upon return of the vehicle, and was again informed that was standard policy. The monies were never refunded into my account and called XXXX XXXX/XXXX/XXXX and the representative stated that it may take up to 5 to 10 days and was instructed to follow back then. I made another attempt to speak with XXXX and the representative stated that there was no policy that she was aware of and that the full amount of {$1400.00} at $ XXXX is what was agreed upon. I informed the representative that I could supply proof of a screen shot in the amount that I reserved the car for. The representative then agreed to do a three-way call with XXXX to further investigate my claims. I have case numbers for all the complaints to research this matter, with no resolution. This is fraudulent, and to add insult to injury, XXXX had a pending additional unauthorized charge of {$69.00} that I disputed and they could not account for. I had to contact my bank and the amount was refunded through my bank after being inconvienced and had to be reissued another debit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-07-2017 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: Information belongs to someone else

Complaint: unknown account on my credit report from XXXX XXXX Account Number : XXXX Date Opened : 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 10/27/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: And yet again, Portfolio Recovery sends me ANOTHER LETTER SAYING IT IS IN REGARDS TO A DISPUTE AND I NEVER FILED A DISPUTE. These people are doing this because they really think I 'm going to pay some amount to them I DO NOT OWE!!!!!!!!!!!!!!!!!! 

Funny how their proof is some old credit card statement they dug up but they can not and will not send proof of my supposed disputes ... why is that? Because THEY ARE LYING!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

STOP.CONTACTING.ME.FOR.THE.LAST.TIME!

Company response to consumer: Closed with non-monetary relief