milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (RI).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech continues to bill for PMI past the date of automatic termination.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Rewards

Complaint: This is second time I received the same Wells Fargo Visa card which I never asked for. I refused to activate card when I called their number. Representative told me to call customer service and I did. They said the card has been active for four years regardless as its activated. They then said to destroy the card. I want to make sure I was never charged anything. They did say I had a XXXX balance. I never asked for this card. They did say this was some type of rewards card.

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 Experian Information Solutions Inc. (MA).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX/XXXX/XXXX, I tried to place a freeze on my account at XXXX on-line and got a message that I would have to send my SSN, DOB, name and address to XXXX to obtain a credit freeze even though I had already entered the requested information on the website. Given the breach, the company should be permitting people to immediately obtain credit freezes.

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 07-05-2017 about Checking or savings account (Checking account) with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: My account balance with   XXXX   XXXX   XXXX   was discharged in a Chapter  XXXX  Case #  XXXX  filed  XX/XX/XXXX  and converted to a Chapter   XXXX   XXXX   filed XX/XX/XXXX . To date Chex Systems has continued to report my account negative. I was granted relief from this debt and I want the account removed from Chex Systems immediately.

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 06-02-2016 about Credit card () with DISCOVER BANK (PA).
Issue: Other

Complaint: I have been a Discover card holder since XXXX. Since that time, I have never had a delinquency with them. On XXXX XXXX, XXXX I gave birth to a baby girl who experienced some health issues. After coming home and getting settled in XXXX, I missed my Discover payment. I called and called Discover to beg them to remove this one late marking off of my credit report. I spoke to account supervisors and asked that I speak to upper management, who they informed me are not accessible by phone. Given my hardship, I ask they please remove this XXXX mark and return my nine year account to good status. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On Wednesday,  XXXX   XXXX , I received a letter from Equifa x Information Services stati ng I had contacted them about a fraud alert. I never requested this service. Then, today,  XXXX   XXXX , I received a letter from  XXXX  about an " initial security alert '' that I requested, and it is using the phone number of a home we sold almost 3 years ago. These services were never requested so I tried to contact them. However both companies have an automated system and there is no opportunity to speak to someone about this issue. Even the phone numbers I found online are automated. My fear is they will also be charging me for these services at some point. Both letters also list  XXXX  so I am expecting to hear from them as well so I have included them in this complaint.     I am attaching the letters I have received.     Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Mortgage (Conventional home mortgage) with HOME AMERICAN MORTGAGE CORP. (CO).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In process of purchasing a new home form XXXX XXXX XXXX we were required to use it 's affiliated mortgage company Home American Mortgage. The process started in lateXX/XX/XXXX, at first initiation we stated we wanted a conventional loan, 20 % down payment. Home American Mortgage pre- qualified us an FHA Loan , a required us to payoff all debt in order to qualify for the conventional Loan we wanted. We inquired on what we should be doing to raise our credit scores to help obtain or conventional loan, we got no response, from the loan person. This was already the 2nd loan person we had been moved to, due to the first being very rude and callus with my wife. After a couple of attempts we were not satisfied with responses or response time from XXXX XXXX. We were then moved XXXX our third loan person in lateXX/XX/XXXX. XXXX was again prompted that we sought conventional loan we needed guidance as to what we could be doing to raise scores and be sure we were in good standing with credit scores. Our real estate agent was also in contact with XXXX, questioning why he had not spoke to us, gave any repose to questions or even pulled credit to see what our scores were. XX/XX/XXXXstill heard nothing from XXXX, our agent again reached out to him voicing concerns. Finally received word from XXXX XX/XX/XXXX with useful info, he had not pulled credit, the loan was still in FHA status with credit scores from XX/XX/XXXX XX/XX/XXXX XXXX ( branch manager ) reached out to me saying that she would handle all concerns now, after a brief discussion I voiced my concerns and requested guidance again! My call was not answered until a week later by XXXX, all these months wasted were I could have done credit repair/improvement gone. Which leaves me at FHA with PMI, and a mortgage payment that was $ 600- {$1000.00} higher then it could or should have been, pricing me out of the home purchase. All due to no guidance and complete negligence on behalf of of XXXX Affiliate Home American Mortgage. XXXX now is retaining our earnest money of {$9700.00}. Stating " Buyers Remorse ''. All we did id everything required of us, and now as a direct result XXXX is keeping our {$9700.00} at no fault of our own!

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 01-03-2017 about Credit card () with CITIBANK, N.A. (FL).
Issue: Advertising and marketing

Complaint: I applied for Citi Double Cash credit card in XX/XX/2016 with advertised promo of 0 % APR on purchases. After my second bill was released I have an interest charge and customer service representative claims that my account has standard APR on purchases and 0 % APR only on balance transfers. Even today Google results bring up searches with 0 % APR on purchases offers for this card which actually do not exist. Big banks like CITI should have better control of information provided by universal search engines than that. I assume they spent millions on advertising every year. Thank you

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 08/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Bank of America charged me an annual membership fee on a credit card I had already asked to close. They removed the account from my online login but continued to take the annual fee out of my checking 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 monetary relief
Consumer complaint received 08/18/2015 about Debt collection (Medical) with Senex Services Corp. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My Ex-husbands Health Insurance paid the portion allowed as per the CPT codes for payment. Thery are billing me for their price. There is no need for extra payment if they were paid by the health insurance!! I had my Attorney send a letter in XXXX of 2014 with no response as well. I will refuse to pay these teo bills!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have sent Equifax XXXX certified letters asking them to verify that items being reported on my credit report be verified correctly under Section XXXX ( a ) ( XXXX ) ( A ) and Section XXXX ( a ) ( XXXX ) ( A ). They have also failed to provide the method of verification as required under XXXX XXXX XXXX a ) ( XXXX ). 
They continue to respond that the items listed have been verified yet ignore my requests to provide copies of original documents with my signature on them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX 2013 I purchased a property in XXXX XXXX, NJ. HSBC was the lender and servicer of the mortgage loan since the closing date. I 've never missed a single mortgage payment, and always paid on time as well. 15 months later i find out that the city did not receive any property tax payment from me for the first 8 months, and had sold the tax lien to an investor, and the investor had come to collect the payment, along with interest and penalty. Long story short, turns out that HSBC sat on their bums, collected my monthly payments and DID ABSOLUTELY NOTHING for 8 months. 

To make matters worse, I started researching into the issue, and was given a run around. HSBC referred me to the City property tax office, the City referred me back to HSBC. It took a lot of pushing to get to the bottom of the story. HSBC finally agreed to look into the matter, and concluded that it was a mistake on their end and they have " advanced all penalty/interest to my escrow account '' to compensate for the interest payment and any associated fees that were deducted from my escrow account. Great, problem solved! so i thought. 

Eh, maybe not. A month of XXXX later, i checked my statements and it turns out the refund was never issued. Here i am on the phone with them again for the last hour or so, getting transferred from department to department. The answer that i get now is that they are waiting for the city to give them a refund, so that they can then issue it to my account. 

WAIT, i thought the letter said they have " advanced all penalty/interest totaling $ XXXX to your escrow account, along with a lien cancellation fee in the amount of XX. 

Now they 've put me on hold again ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Payday loan, title loan, or personal loan (Installment loan) with Social Finance, Inc. (CA).
Issue: Getting the loan

Complaint: Student Loan ReFi ( # XXXX ) Unfortunately, I was dissatisfied for the following reason.They lured me into applying for a loan. I submitted basic information including my SSN # and they prequalified me. I submitted more information to conclude the process. At the last minute, they declined the offer. What about the -25 point hit my credit score took?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2016 about Credit card () with CITIBANK, N.A. (ID).
Issue: Billing disputes

Complaint: I used my Citi XXXX HHonors Reserve credit card to pay a bill. I disputed the charge and submitted the appropriate documentation. Several weeks later, I received a letter rejecting my dispute. When I contacted Citi, I was told I do not have any dispute rights for quality of services issues. 
She said " without a valid credit slip, we are unable to intervene on your behalf with the merchant or their Bank. '' In trying to better understand my rights, I was given the run-around by a clerk and his supervisor. It was not explain to me how to get a valid credit slip.

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 08-11-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have an XXXX XXXX XXXX account card that went past due, and was closed. I was called by a XXXX XXXX representative over the phone, and was told to enroll in a series of payments that would bring my debt down to XXXX in 6 months. He gave me the payment schedule, and the amounts that would make this happen. I agreed and verbally authorized the payments from my account. I recently checked my account, and my payments have posted 6 days early, yet I am being charged late fees which will prevent me from paying the account down on the promised timeline. I called the bank, they refused to refund the late fees, and I was told that no matter what payment plan they had set up, I would still have to pay the fees until the amount was paid in full. I was then told that despite what plan I may have set up, it would not satisfy a " third party '' collection agency. So, that means that they 're still collecting on debt they 've already sold, or I 'm paying two different people for the same debt. I was unable to get a straight answer from anyone at the organization, and this feels fishy in my gut. Something is n't right.

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 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is in regards to the response to my fourth complaint regarding XXXX XXXX and credit reporting. In XXXX of XXXX a complaint was submitted regarding XXXX XXXX reporting a delinquent payment status on my account. After the complaint was resolved XXXX XXXX sent me a letter stating that they would waive all late fees. In addition to waiving the late fees the letter stated that the payment status would remain delinquent unless that remaining balance was paid in full before the XXXX XXXX, XXXX due date. The letter also stated that the payment status would be adjusted and reported as current if the payments were made on time. Two payments were made in the amount of {$120.00} and {$120.00}. Both payments were submitted via XXXX XXXX XXXX check and cleared my account on XXXX and XXXX respectively. On XXXX XXXX, XXXX XXXX XXXX reported to Equifax and XXXX that my account was paid in full but still reported the account payment status as delinquent for the month of XXXX XXXX. My account was paid in full before XXXX XXXX, XXXX due date and my bank account statement will show that the checks presented for payment were cleared before the end of XXXX XXXX and before the next due date of XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid my credit card in full about 3 months ago, and when I requested my credit report TRANSUNION and XXXX XXXX show that my credit card was paid in full. the only who shows the correct paid was XXXX, I called my credit card bank and they told me that they report the info in XXXX XXXX. Im working on fix my credit and I need the correct info in my 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 04/18/2015 about Mortgage (FHA mortgage) with CASTLE AND COOKE MORTGAGE LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My escrow payment increased significantly from one month to another without warning. I still do n't understand why this issue could have been avoided. After several calls to my mortgage company Castle & Cooke I remain confused with the lack of customer service provided.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Back in XXXX and again in XXXX Trans Union experienced a " computer glitch '' that had caused the hard inquiries on my credit report to disappear. Then apparently they were all " re-added '' to my report. According to the law, they failed to provide me anything in writing that they were adding the hard inquiries back to my account. 
I tried calling Trans Union directly and spoke with XXXX XXXX on XXXX/XXXX/XXXX at XXXX. EST. She was less than cooperative and denied that Trans Union ever experienced any type of computer issue. I tried to discuss the matter courteously and she told me that there was nothing she could or would do. 
I currently show 16 hard inquires on my credit report dated XXXX/XXXX/XXXX and I request that they all be removed as I was not notified in writing that anything was being put onto my 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 07/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid payment in full to one collection agency, XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX, XXXX. Then, a year later I get dunned for the same debt by another collection agency : ERC, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. 

I called both agencies, plus the original debt holder, XXXX XXXX. XXXX XXXX sent me all related receipts indicating payment in full, but ERC and XXXX do n't appear motived enough to look at my paid receipts. 

I have attempted to clear this matter up on my own, but it seems not to be working. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2017 about Mortgage (Conventional home mortgage) with BROKER SOLUTIONS, INC. (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was shopping for mortgage lending and I contacted two lenders. One of the lenders was Broker Solutions, Inc ( or XXXX XXXX XXXX ). This company offered me a conventional, 30 year fix at 3.75 % rate. I decided to go with them and after 2 weeks of paperwork and appraisal paid for they changed the loan rate to 4.25 %, plus {$1100.00} for a 0.935 % in points. The new conditions were more disadvantageous than the other offer I had. After several emails and telephone conversations I came to the conclusion that these people lied to me and I decided to change lender because I did not feel comfortable continuing business with them. I have documents they sent me to print, sign and fax back, and the emails to confirm the original offer of 30 year fix, conventional at 3.75 %

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/29/2015 about Credit card () with SYNCHRONY FINANCIAL (OK).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Paypal opened a credit card account without my knowledge on XXXX. I do not even have an account with PayPal. Someone charged {$1000.00} to this credit card account. I knew nothing about the account until I received a letter from a collections company ( XXXX XXXX XXXX XXXX of XXXX, IL ). I called XXXX XXXX XXXX and reported the account as fraudulent. XXXX returned the account to PayPal and XXXX Bank. I contacted XXXX Bank through their web site to report the fraudulent account and was referred to PayPal. I will contact PayPal once their call center opens to report the account as fraudulent.

Company response to consumer: Closed with non-monetary relief