milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/13/2017 about Credit reporting () with ENCORE CAPITAL GROUP INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I asked for the full verification of this account and the company removed it and then put it back on a week later without giving me verification I called the company back and they keep giving me the run around. I told the company I was asking under the Fair Debt collection Practices Act and what I was told was they do n't have to give us anything but a bill they sent me from their company but we never dealt with their company which is midland credit company. I am waiting for a manager now. XXXX XXXX who is the manager had no information about the account and gave me more of the run around the company will not comply with the Fair Debt Collection Practices Act. I 'm now talking to XXXX XXXX ( id # ) XXXX and asked for information under Fair Debt Collection Practices Act was told he does not have the contracts to show me and does not have to have the contract. XXXX XXXX ( Id # XXXX ) she told me they can add money to the debt. the debt is XXXX but midland reported XXXX. XXXX XXXX ( id XXXX ) he does n't no you cant report interest. he also said just a bill was complaint with the Fair Debt Collection Practices Act law they sent me a bill and he said that 's all he 's required to.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX XXXX I am a long time customer and I am writing you because I just received XXXX packages via US Mail one with a trial period for HAMP because I am behind one month on my home mortgage. This is the one home I own and live in with my XXXX sons. I 've heard horror stories about getting into HAMP then at the end of the trial period get denied and then I must pay the difference right away to then avoid foreclosure. I work for the XXXX and really need your help with this matter, yes we are the little guys but we are your customers that do n't want to be left out in the streets with their children. My hardship began with my divorce as she quit claim the home to me, and I 've raised XXXX my sons on my own, then just recently in XXXX my grandmother passed away and we all had to help with the funeral payments. I was working 10 months a year because I work for the XXXX, but now they finally gave me 12 months employment, which I 'm thankful and grateful. I will consult with my attorney whether he advices me to do the HAMP and I will then let Wells Fargo know. I 'd like to catch up so that I could be current, I just need to know the exact amount which is the month of XXXX and now on the XXXX the month of XXXX. I will pay XXXX at the XX/XX/XXXX. Most of my family have accounts with Wells Fargo and I am begging for your help and attention to this matter, I do n't want to be left homeless with my XXXX sons. My home preservation agent is

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have several credit card acct on my credit that I was listed as an authorized user never seen are used the card before..ithink someone might have my info

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CALLING ME IMMEDIATELY!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2015 about Credit card () with CITIBANK, N.A. (CO).
Issue: Rewards

Complaint: I opened a Citi / AAdvantage Platinum Select credit card late XXXX this year XXXX 2015 ). Citi told me to spend over {$3000.00} within the XXXX 90 days to receive a XXXX miles bonus. I spent well over {$3000.00} within the XXXX approximately two months, but the bonus never showed up. I contacted Citi Customer Service regarding the issue, but they told me that I was holding a similar credit card project before, so they could not issue the bonus anymore. When asked the details regarding the " other similar credit card '' that they stated I was holding, Citi refused to provide any information on that and told me to refer to the original welcome letter, which I was supposed to have received at some point in the past. I believe there was mishandling on my account regarding this matter. The representative was rude and not cooperative at all. Citi simply refused to provide information that they based their decision upon, refused to honor the claimed bonus in the acquisition offer, and left the consumer completely in the dark.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have submitted a PMI cancelation letter to Green Tree, and they denied, even thought my loan to value is already 79.89 %. My understanding is that once the LTV reaches 80 %, I can by law requires the cancellation of the PMI. 
Green Tree point out to me, in the letter that I attached, that : A minimum aging ( seasoning less than 2 years ) is required for my account, and the loan to value need to be 75 % or less. 
The date that my mortgage is schedule to reach 75 % is XXXX/XXXX/XXXX. 
My closing paper said I can cancel my PMI when loan to value is 80 %, and their escrow department sent me a letter saying I have the right to request the PMI to be cancelled on the date that loan to value is 80 % or lower. Green Tree never mentioned anything about minimum aging or loan to value need to be 75 % or less. 
I would like to ask the CPFB to assist me, in order to have my problem solved. Basically I would like to have my PMI dropped from my mortgage, and any extra payments that I have sent to Green Tree, starting on XXXX XXXX, in case this problem takes a few months to be resolved, to be refunded back to me. 
I appreciated your attention, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: This is the worst company I have ever talked to I have called 15 times faxed documents 5 times they lose my documents put me on hold or transferme over and over 2 hours per call minimum they have locked my report I can not access it I can not apply for credit I 'm trying to buy a house and they are refusing me access or help to fix it they are incompetent please help me sue

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX XXXX was disputed and they do n't own the debt anymore. So, by law they have no more right to even report anything to the credit bureaus. They left a wrongful dispute on my credit report. The account number is as followed : XXXX XXXX XXXX XXXX sold the debt to another company. But they want give me the proper contact information inside XXXX to talk with someone about the debt. They all ways transfer me to a department and the number hangs up after 5 minutes of waiting. I am given XXXX XXXX ( XXXX ) XXXX email XXXXXXXXXXXX full authority to speak on my behalf please make notes on this case number that will be provided by the CFPB.

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 05-12-2017 about Mortgage (Conventional home mortgage) with AMERICAN INTERNET MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: For the 4th year in a row AIMloan.com has charged me {$2300.00} for flood insurance because they ca n't seem to properly communicate with the insurance company that properly handles the flood insurance for my condo.     This has happened every year since   XXXX   and every year they get their copy of the insurance. I 'm tired of fixing this because AIMloan and  XXXX   XXXX  have a communication issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: When my quarterly loan payment becomes due, I am unable to submit payment on the lender 's website. For approximately 2 weeks leading up to the due date, when I log in I get an error message saying my loan information is not available. However, if I log in after the due date there are no issues. I looked at an alert which shows when the website does routing maintenance, so loan information can not be accessed during this time. However, no matter what time I log on, what day, on different web browsers, and from any of a variety of computers, I am still unable to access my loan information during the time I should be able to based on the website 's notification. This has occurred with the past 5 quarterly payments I have attempted to make, and each time I wind up having to submit a payment using what the amount was from previous statements I had received. 

I attached screen-shots of the message I receive when I first log in, and if I try to access any other features ( pay my loan, view account info, etc. )

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Customer service / Customer relations

Complaint: I am in the midst of purchasing my first home and am trying to increase my credit score to qualify. I have been a Capital One credit card holder for nearly two years, but accidentally had a late payment in XXXX 2014. I called and wrote a letter to Capital One on XX/XX/XXXX.The CO customer service rep I spoke with on XXXX told me it was " no problem '' and that she was " happy to report that the late payment will be removed, you should receive a letter of confirmation in 8-10 days and will see a late payment refund on your account ''. 

I CO called back on XXXX to see if I could get a copy of the confirmation faxed to me, but the rep said this was not possible. The gentleman I spoke to even stated again that the request was approved. 

I received the letter on XXXX that said my request was denied as Capital One XXXX CO XXXX was reporting the information accurately and that it would be escalated to a DISPUTE to the credit reporting agencies. I never denied the accuracy of the reporting but instead was asking CO to make a gesture of goodwill to me as a loyal customer and delete the late payment status. Now, I have a dispute on my credit report that will prevent me from moving forward on obtaining a mortgage loan ( until it 's resolved XXXX AND will cause my credit score to lower! This action should be against the law as I NEVER asked for a dispute, either by verbal confirmation or in the letter I sent. 

I never asked for a dispute but instead for a " gesture of goodwill ''. Those XXXX are not the same, and should not be used interchangeably. The staff should be trained on what " goodwill gesture '' and " Dispute '' is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-02-2015 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: RE : Reference # XXXX Complaint XXXX/XXXX/2015. Please do an extensive investigation. I checked my checking account XXXX/XXXX/2015 to find my refund from my credit company has been put into my savings account, which was suppose to go to my checking account! My credit card company does not have my savings account number nor did I give it to them, I have proof. This tells me that someone at Wells Fargo Bank is fraudulently going into my account posting transactions and taking money out. PLEASE HELP ME AND FIND OUT WHO IS DOING THIS!

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-03-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have been receiving offers in the mail to consolidate my student loan. Some of them even offer total loan forgiveness. Each of these offers lists the total amount of my student loan. Most troubling however, is how close they are to the exact amount - off by a XXXX dollars or so, but more or less spot on. 

I spoke with my service provider ( XXXX XXXX ) and they said they are not allowed to disclose or sell my financial information. This still does not explain how my financial information has essentially become public.

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 10/28/2016 about Debt collection (Mortgage) with PNC Bank N.A. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Virtually the exact same problem as the post from XXXX 2016 from a different person. " XXXX XXXX XXXX, XXXX a collection company formed in -/-/- invests in distressed - loan mortgages caused by the collapse of the housing bubble in -/-/-. Because our home was over - underwater - - - through " Making Homes Affordable Program '' helped us keep our home by charging off our - loan and restructuring our - loan including escrow fees, taxes, and insurance which we have been paying down and remain current to this day. Nearly a decade later, XXXX has found a way to capitalize on the recovering housing market by picking up written off - loan mortgages at pennies on the dollar and foreclosing on people 's homes unless the homeowner pays them outrageous and unreasonable profits. Although their websites states they achieve their success by " building relationships and working closely with homeowners through a variety of workout options including modifications and settlements '' this statement could not be further from the truth. XXXX 's MO is to bully the homeowner into paying the full unpaid balance plus ALL interest or suffer foreclosure. They lull you into thinking they 'll work with you by initially offering a modification or a reasonable settlement but it 's resolve this matter because it was in their best interest to do so. I blame - - - for falsely leading us to believe we received a principal reduction and XXXX XXXX XXXX, XXXX for remaining dormant by intentionally failing to notify us over all these years for the purpose of maximizing their profits at the expense of the unsuspecting homeowner. Not to mention they have a HUGE problem with the chain of assignment as the assignment deed of transfer documents purporting lawful assignment and thus lawful standing to foreclose appear fraudulent and incorrectly dated rendering standing and the security instrument VOID under the law. With all the improprieties in the chain of assignment and it 's execution they still assert lawful standing yet fail to produce an original note. As a law abiding homeowner we are left with no choice but to defend our only family asset in legal court system. We have invested 11 years on paying this home down, investing our hard earned money on repairs and up keep, on improvements just to let our home go into the hands of these unethical debt collectors. Most homeowners do n't have the money to contest these wrongful foreclosures in court and XXXX knows that which is how they get away with their. They need to be STOPPED! ''

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent XXXX letters to Trans Union and XXXX to have hard inquiries removed that was not initiated by me. I have asked for signed verification that I initiated and it has not been proven. Inquires that are not initiated by myself to be removed.

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 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The Credit Bureaus were reporting a bankruptcy, but the courts do not verify a bankruptcy, the courts told me they do not verify that information. Therefore, that information was pulled out from a third-party reporting agency, therefore I demanded it must be all deleted because the court say they do not verify. And I would appreciate once its deleted I want proof that 's it 's been deleted. Thank you for and XXXX bless.

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 04-07-2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (IA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: According to Wells Fargo, the amount of student loan interest I paid in XX/XX/XXXX was {$110.00}. I thought this amount was low, so I went back through my statements for XX/XX/XXXX and added up the interest paid. I came up with {$650.00}, and that does n't included payments made in XX/XX/XXXX, as Wells Fargo did not issue a statement until XX/XX/XXXX. I contacted Wells Fargo on XX/XX/XXXX regarding the discrepancy in interest paid. They stated the matter would be resolved in the next 24 to 48 hours and I would receive a phone call. That time has passed and I have not received a phone call and after logging into my account with them, the interest paid for XX/XX/XXXX is still reported as {$110.00}. Out of curiosity, I reviewed my statements for XX/XX/XXXX and manually calculated the interest paid. According to Wells Fargo the amount was {$230.00}. I calculated the amount to be {$810.00}. I ca n't help but wonder if my payments have been misapplied. Interest is income to the bank, but what they 're reporting to the government is far lower than what they 're collecting. I was a student at the XXXX, XXXX XXXX, Iowa, when I incurred this debt with Wells Fargo for the XX/XX/XXXX-XX/XX/XXXX school year.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I received a notice of letters in my XXXX paperless inbox around XX/XX/XXXX and found two notices, which led to this chain of events. 

XX/XX/XXXX : XXXX notice to recertify IBR XX/XX/XXXX : XXXX notice that I did not respond or select a repayment plan. 

XX/XX/XXXX : I filed the IBR payment plan request on XXXX and submitted the certification on studentloan.gov. I have zero taxable income and have not filed a tax return in many years. 

XX/XX/XXXX : FedLoan notice that my request to be removed from IBR and placed on a standard plan had been received XX/XX/XXXX : FedLoan notices about the new terms and that I must make a payment before my transfer to the standard plan could be completed. 

XX/XX/XXXX : I used the XXXX contact and alerted them to the fact that the notice they just sent was in fact opposite to what I submitted and that I want to remain on IBR. I received an email confirmation that they received my request, but no other reply. 

XX/XX/XXXX : XXXX email that my monthly billing statement was availble. 
XX/XX/XXXX : I used the XXXX contact form to again alert them to the issue and received a confirmation email, but again no reply. 

XX/XX/XXXX : XXXX has re-sent the monthly bill notice. 

I 'm filing this complaint after having a quick internet search and seeing a lot of other people dealing with shady practices from XXXX. At the very least I want to establish a record that I have been trying to address this issue outside of the XXXX website ( which does n't give me a record of the correspondence I have sent except the email confirmation that 'something ' was received ). This whole thing looks like some kind of trap to get me to make a payment to get me off the IBR plan. Besides not having the money to make the payment, according the letters I have received, doing so would effectively 'seal the deal ' to remove me from IBR ; hence, I have no intention of getting someone to make the payment for me either.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Other

Complaint: American Express is reporting an account on my credit report that was found to be in violation of the Fair Credit Reporting Act. I hired XXXX XXXX, an FCRA attorney in New Jersey, and we were able to sue them and the credit bureaus, and I won. As part of the settlement, they agreed to delete this account on my credit report but I see that it is still on there. I even disputed it with the credit bureaus and they came back and verified it. Is n't that another violation of the FCRA?

Company response to consumer: Closed with explanation