milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/16 I sent a check to my mortgage co. in the amount of XXXX once they got it they changed it into an electronic check and then submitted it to my bank for the amount of XXXX my check was clearly written out on the second line ... XXXX XXXX XXXX dollars and XXXX once this check reached my account I was charged O.D. fees and return check fees which the mortgage co. said they would return to my bank only if my bank sent them a statement promising they would cash them a check for XXXX I'am sure there is a law against check fraud and this is a scam if I ever saw one I'am tired of being walked on and companies getting away with it just because I'am a nobody, well not this time I almost ended up in the hospital over this and I want restitution, whatever damages I can sue for I want to fight to get also I refuse to make another mortgage payment until this matter is dealt with I can not afford to have them do the same fraudulent act I will be sure to put the payments in my own care until this matter is done then and only then will they get whats owed I also refuse to pay them late fees on future payments I do not have the money to keep paying for their fraud, please help me get restitution On XXXX/XXXX/16 I sent a check to my mortgage co. in the amount of XXXX once they got it they changed it into an electronic check and then submitted it to my bank for the amount of XXXX my check was clearly written out on the second line ... XXXX XXXX XXXX dollars and XXXX once this check reached my account I was charged O.D. fees and return check fees which the mortgage co. said they would return to my bank only if my bank sent them a statement promising they would cash them a check for XXXX I'am sure there is a law against check fraud and this is a scam if I ever saw one I'am tired of being walked on and companies getting away with it just because I'am a nobody, well not this time I almost ended up in the hospital over this and I want restitution, whatever damages I can sue for I want to fight to get also I refuse to make another mortgage payment until this matter is dealt with I can not afford to have them do the same fraudulent act I will be sure to put the payments in my own care until this matter is done then and only then will they get whats owed I also refuse to pay them late fees on future payments I do not have the money to keep paying for their fraud, please help me get restitution. Any proof you need I have up to and including my carbon copy of the check that I wrote them I have been making the same payment for 10 years plus no excuse for this fraud.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Consumer Loan (Installment loan) with U.S. BANCORP (CO).
Issue: Managing the loan or lease

Complaint: We leased printers from US Bank. US Bank Equipment Finance continues to bill us for months past the lease and refuses to provide return instructions until we paid for months for which we were not contracted and did not use the equipment. 
We sent our termination letter in XXXX XXXX as the contract prescribed. The contract terminated on XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX, US Bank has still not provided return instructions as the contract prescribes. 
US BANK - XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX Fax : XXXX Tel : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (AR).
Issue: Problems when you are unable to pay

Complaint: On XXXX/XXXX/XXXX, I purchased a used XXXX XXXX, from XXXX XXXX. The total price was {$32000.00}. Wells Fargo Bank picked up the loan for XXXX payments of {$670.00}. It was later switched to Wells Fargo Dealer Services. I have made XXXX payments for a total in excess of {$49000.00}, all the while receiving XXXX upon XXXX of harassing phone calls at all hours of the day, to every number I 've provided to Wells Fargo. I am charged at least an extra {$10.00} processing fee, for every payment. When I called today, to schedule the last payment, for Thursday XXXX XXXX, I was told that if I did n't make the payment by tomorrow, XXXX/XXXX/XXXX, I would have to surrender the vehicle. I do not get paid until the XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit card () with DISCOVER BANK (VT).
Issue: Balance transfer

Complaint: In XXXX, 2015 I received a pre-qualification letter for the Discover It card, advertising a 0 % APR for purchases and a 0 % APR for balance transfers for XXXX months. I only had one existing credit card, a XXXX Rewards card, with a balance of around {$7500.00} at a 9.99 % APR. Even though 9.99 % is a fairly good rate, I figured I would apply for the Discover It card and take advantage of the 0 % balance transfer for XXXX months. I applied online and was initially denied. I then called Discover to ask why I was denied and, after a conversation with a supervisor, they changed their decision and agreed to the terms in the offer, 0 % APR for purchases and balance transfers for XXXX mos., and then a XXXX APR thereafter. However, they set my initial limit at {$1000.00}. Since the whole reason I wanted to open the card was to enable a sizable balance transfer, this was unhelpful and so I was not going to go ahead with opening the card. However, the Discover supervisor I spoke with assured me that if I used the card frequently during the first XXXX months, paid it off each month and then called back and ask for a credit line increase by the XXXX XXXX, 2015 deadline for making balance transfers, I could get a credit line increase and then make a larger balance transfer. I did all of that. But when I called Discover today XXXX XXXX XXXX XXXX, they told me that they only consider credit line increases after three months, not two. This means that I am unable to take advantage of the balance transfer offer that was made XXXX at least for anything beyond {$1000.00} XXXX, which was the only reason I opened the card in the first place. To make matters worse, the APR I was given by phone - 10.99 % after the 0 % intro 12 mo. APR - has been changed to 22.99 % starting in XXXX XXXX XXXX months from card opening rather than XXXX XXXX. There is no way I would consider a rate that high -- my existing card is 9.99 % APR! I was either lied to or deceived XXXX by Discover, first about the ability to increase my credit line before the balance transfer deadline and second about the post-intro APR APR that we agreed to ( 10.99 % ). A Discover Supervisor, XXXX, claims that she is looking into the issue and will refer it to Discover 's legal services department. I hope that they find the initial phone call during which all of these terms were told to me by another Supervisor. They will find that he lied to me in order to get me to open a card with them. I do n't know what can be done, but I hope that Discover is held accountable and honors the original agreement that was made. My advice to people talking with credit card companies is not to trust verbal agreements by phone. Or, at least, make your own recording of the call so that you have a record of the commitment that was made. Unfortunately, I am now at the mercy of Discover finding the recording of that phone call, which they say may happen, though I am doubtful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is continuing to use false reporting from XXXX after being shown documented proof of XXXX 's negligence. I submitted proof to Experian in the form of copies of XXXX Mail Certified delivery and direct complaint to XXXX for reporting false information to credit bureaus. Complaint specified false information is of a four-month period of delinquencies beginning XXXX XXXX and ending XXXX XXXX when in fact the student loan was in deferment and never late. Within the submission to Experian, I certified that XXXX had not responded to me within the required 30 days. Experian then ignored this documentary evidence and used the same false reporting from XXXX to " verify '' the false information in their XXXX/XXXX/XXXX report update. Experian failed to remove false reporting upon receipt of actual documented evidence. In a XXXX XXXX/XXXX/XXXX phone call to Experian on the matter, the Experian staff member confirmed that Experian is using an electronic " update '' from XXXX as verification. I believe this is a violation of the FCRA because the " update '' from XXXX does not contain any documentary evidence that Experian has or can provide to me, but they are using that rather than my submission of documented evidence to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I requested a student loan for XXXX but never received the loan because I decided to cancel it before the disbursement. Later only to find out they charged me interest on money I never received. I complained but only got the run around. They continue charging me interest on the interest money they said I owed. They place a bad debt report on my credit causing denial to credit app 's. I set up a repayment plan in which the debit from my bank account only later to charge me all over again saying I never paid. They harassed me every day by calling. Till I paid the the money all over again. Just so they would removed anything they placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I was told that if I was looking into a home loan that ... it would NOT hurt my credit. There are sever Hard inquiries on my report that need to have a disolution letter to have them removed. My credit was BETTER before XXXX XXXX and XXXX XXXX and Equifax all got involved. Please help. I have been working 7 days a weeks to repair my credit from an abusive marriage and divorce. I was told the bankruptsy would come off in 7 years and they are several hard inquiries on my account that should NOT have affected my credit score. I had a score of XXXX before they started to " help '' me XXXX XXXX Inquiry from XXXX XXXX, 2017 XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. Being that they have gone past the 30 day make and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 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: I have a dispute with an incorrect negative reporting on my credit report from  XXXX   XXXX . Account it reporting paid charge off when it should have never been reported as I was in an active dispute with the company for overcharging me in energy charges. There is full documentation showing the amount they were charging me was incorrect and after the dispute I was provided an accurate amount which I paid. This was    XXXX    2016   , when I noticed they had reported the delinquent amount as negatively on my credit report I advised  XXXX   XXXX  this was incorrect and escalated it up to their  executive level. After a review and despite the amount was in dispute and finally corrected  they continue to report it as a negatively on my credit report.

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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted XXXX XXXX on XXXX/XXXX/XXXX and asked them why they accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my XXXX credit file without my authorization, I did not get any help from them.

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 12-10-2015 about Bank account or service (Other bank product/service) with PNC Bank N.A. (MO).
Issue: Account opening, closing, or management

Complaint: This complaint is about bank/financial services during a real estate transaction ( not a bank account ). On XXXX/XXXX/2015 I entered into a contract / purchase agreement to buy a home ( XXXX # XXXX ) at XXXX XXXX XXXX in XXXX XXXX ( XXXX XXXX ), XXXX. PNC Bank National Assoc is the Seller who was represented by Service Link ( a XXXX XXXX XXXX XXXX company ), XXXX XXXX XXXX, VP Operations & Client Relations. After conducting home inspections ( {$510.00} ), Buyer and Seller signed Amendment to Sale Contract on XXXX/XXXX/2015. Also, {$1000.00} Earnest money was paid to XXXX XXXX XXXX XXXX ( XXXX, XXXX ) - XXXX XXXX XXXX, REO Sr. Closing Coordinator. On XXXX/XXXX/2015, the Day of Closing, the Seller 's listing agent informed Buyer 's Agent that Seller would not accept the XXXX/XXXX/2015 agreed amount, wanted an additional {$2000.00}, and implicated that Buyer cancelled contract. The house was put back on the market as of XXXX/XXXX/2015. To date I have requested but not received a refund of my {$1000.00} earnest money and the {$510.00} spent on inspections.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Student loan (Private student loan) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: When you think of Wells Fargo as a young woman in need of an education, most would automatically assume that they would tell you the truth. When I requested both loans online nothing was discussed about anything adjusting or compiling at the incredible rate is has. It has now, even though I have made timely payments quickly gone to more than {$30000.00} whine down my DTI and keeping me from buying a home or obtaining any kind of financing. When the rep from Wells Fargo called me to finalize the loan package nothing was discussed about this debt compiling so quickly and it ruining the rest of my life. I had clearly asked if zi would be able to pay that much once I graduated and I was u=assured by the representative from Wells Fargo that it would not be a problem and I could always fill out forms to delay payments. 

What good is our system if it allows this type of predatory lending to go on and for Wells to remain in the clear for their actions. I had no idea what I was getting myself into and now I have no idea what to do. These loans should have been explained properly and the full rates and fees disclosed.

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 07-02-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Contacted XXXX collection agency and original creditor, neither could provide detail information regarding this account. the collection agency states they dont have to account anymore it was pulled from their services. All that was give to me from the original creditor was account number and my personal information that was used. No further information regarding discharge info or signature of documents. I have disputed this and have yet to get a responseCollection Agency XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX credit card has not updated my balance since X/X/2017 causing me to have a lower credit score. 
I want to buy a house and the lower ( incorrect ) score is causing me to have to pay a higher interest rate for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Mortgage (Conventional fixed mortgage) with Capital Markets Cooporative, LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2016, I remitted mortgage payment on-line in the amount of {$5000.00} due XXXX XXXX. On XXXX XXXX, the loancompany CMC Funding had not posted my payment. I called in and inquired and they said they were behind with mail and processing due to XXXX holiday. I verified with my bank, that the payment was received electronically by CMC Funding on XX/XX/2016. I opened up a written complaint with CMC funding asking for verification that payment was posted and that I was not charged extra interest due to their late posting. I filed another written complaint on XXXX ticket # XXXX and still have not received a response. I called the XXXX number today, XX/XX/2016 and inquired of the status. The woman listened to part of my concern and then she hung up on me and has not called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (CA).
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 received an alert that a collection account had been added to my credit report. I pulled my credit report to find out what this collection account was for. Well the collection company is trying to collect for an online payday loan that they have no legal authority to collect on as the loan was not legal and the State of XXXX issued Desist and Refrain Order and Order Voiding Transactions and to Disgorge All Charges and Fees.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: On Monday XXXX XXXX, 2016, I contacted Navient about paying off a subsidized student loan of approximately {$2000.00}. I chose to pay over the phone as I know there is an exact pay-off amount that is usually a few dollars different from what the borrower sees in the online account. I was quoted a payoff amount of {$1100.00} and the agent took the information needed to pay this full amount. She let me know it would take a few days to reflect the {$0.00} balance in the online account and congratulated me on my payoff. 

In XXXX I logged into the account and noticed a {$33.00} balance on this same loan. When I contacted Navient, they explained that I did not, in fact, pay off the loan, and that a small remaining balance had been accruing interest since XXXX. They stated perhaps we were n't quoted the proper payoff amount, because our payment was only {$1100.00} and the payoff back then would 've been {$1100.00}. When you look at the account transaction history, it shows that we did, in fact, pay {$1100.00} on XXXX XXXX, but were then credited that money back and charged {$1100.00}, leaving an {$.00} balance to accrue interest. Why did this happen?? They could not explain, but the loan was n't paid in full so we now owed the {$33.00} interest accruement. We pressed, spoke to a supervisor, and were informed this would be submitted for evaluation and we would receive a letter in the mail. The letter came and we were denied - we owe the {$33.00}. 

I spoke with Navient again around mid-XX/XX/XXXX, and that representative told me that for such a small loan, she did n't understand why they would n't just close it out. She said she would submit it for evaluation and we would be contacted regarding this. I waited weeks and did not receive any contact. 

Navient contacted me Friday, XXXX/XXXX/2016, requesting payment - this loan is now past due. I inquired about the {$33.00}, that is now {$34.00}, as I had never received the promised communication about closing it out and was told they do not cancel loans unless they are under {$25.00}, but that I could speak to a supervisor. I was on a family vacation and had already discussed the background of this issue with the customer service agent for 20 minutes, and chose not to speak to a supervisor, as this is my 3rd time requesting action on this loan. 

I do not feel it is my responsibility to pay these bogus interest fees as I was charged the pay-off fee I was quoted, and the customer service agent changed my payment without my permission, resulting in a remaining balance. Whether complaining through the CFPB resolves this issue or not, I want others to know of their shady business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/28/2016 about Debt collection (I do not know) with Collection Professionals, Inc. (Macomb, IL) (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Collection Professional to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation