milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-05-2018 about Mortgage (Conventional home mortgage) with BROKER SOLUTIONS, INC. (CA).
Issue: Closing on a mortgage

Complaint: I am responding to New American Funding and to XXXX XXXX XXXX, XXXX XXXX, Loan Administration. Unfortunately, New American Funding and XXXX XXXX claim is INCORRECT and the explanation provided has latent factors that are awry. Aforementioned in my original complaint filed on XX/XX/XXXX, aligns with the latest filing on XX/XX/XXXX. The request for PMI removal had required list of criteria that is outlined under the Homeowners Protection Act of XX/XX/XXXX. Those specific factors have been met and qualify for PMI removal. In addition, New American Funding requested a FORMAL WRITTEN REQUEST FOR PMI REMOVAL as I conterminously complied. However, New American Funding back trailed and asked to repeat considerations that had been acquired from the beginning. IN FACT, I have complied with those ALL steps for removing PMI. FIRST, XXXX XXXX failed to mention that during the process of New American Funding obtaining an Appraiser the Appraiser FAILED TO COMPLY with all property appraisal requirements and therefore, left out much preeminent factors to fairly appraise my property. FURTHERMORE, I find it peculiar that New American Funding chooses their own Appraiser and/or an Appraiser rather than selecting a third party that is conterminous with ALL PARTIES INVOLVED and remains a neutral disposition! Albeit, my property DID NOT HAVE A FAIR AND LEGAL ASSESSMENT as THEIR APPRAISER, New American Funding and XXXX XXXX FAILED TO RECOGNIZE the UPGRADES OF MY PROPERTY that would have CLEARLY met ALL REQUIREMENTS AT THE TIME. When I originally performed a public, market analysis of the property in XX/XX/XXXX, property value significantly increase to over 22 % and from XX/XX/XXXX. As the market value fluctuates, overall the home prices are increasing in valuation that impacts the specific criteria requirements. SECONDLY, in my original complaint with New American Funding I had proven that New American Funding had intentionally made delays for what appeared to be ulterior motives thereof. As with any considerations to PMI removal, the Homeowners Protection Act of XX/XX/XXXX recognizes fluctuations within the market in general. With that said, during the request for the removal of PMI and its process requires dedicated timelines outlined under the Homeowners Protection Act of XX/XX/XXXX. HENCE, from the beginning and as I ingeminate once again, in an effort to conterminously operate on a FAIR AND NEUTRAL ground, I am asking that I choose a third party to represent a choice in selection of a certified, licensed Property Appraiser to perform and conduct a fair assessment valuation for consideration of this matter thereof and, hereof! Since my request, it appears that New American Funding is failing to GRANT any parity and work together conterminously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Bank account or service (Other bank product/service) with Empowerment Ventures, LLC (MA).
Issue: Account opening, closing, or management

Complaint: I am a rush card customer and I called to replace a card. The first time I am replacing a card. I was charged a fee when I was told I was n't going to be. so I called to dispute the XXXX $ fee I was told 1-2 business days it would be removed it has been a week it is still there. This is after I had to argue with a lady to tell her that I have never replaced a card before because she kept telling me I did, when the previous person had confirmed with me that I had not and it would be sent free of charge. I also needed to dispute a charge that was charged twice and they sent me the dispute paper I faxed it and they do n't know if they got it. I was calling for 3 days the phone kept ringing and hanging up telling me my social was wrong, or would just keep me on hold and hang up or would n't ring at all. This morning XXXX/XXXX/2015 I attempted to call and it keeps hanging up. I have been waiting for a replacement card for 11 days. I received the dispute paper that I requested after a replacement card. My direct deposit has not come in on time and they said they have n't received it when all of sudden the week of the outage the direct deposit is late. I can not get into my online account because it was locked I do n't know why, I cant reset it because I am still waiting for a card so I have no idea how much money is in my account now and there is n't anything they can do. This is very unprofessional if you do n't have the money or technology required to do a update do n't do it because XXXX customers are dependent on you for a means of living. This is sad, a XXXX owned business that I truly believe was great has turned into a major disappointment. XXXX XXXX get it together. Praying for those affected ARE YOU KIDDING ME? We are n't dying but who knows someone might since they cant access there funds for medicine or even food. My heat payment is late and there is n't anything I can do. You said you will call people if the DM you on XXXX that they are still having a problem! What difference does that make because they would be talking to you? Like come on this is serious! you have money, and you created rush card for those that you believe needed the help now what do you call this! SAD! Get it together!!! UNCLE RUSH!!! The apologizes, prayers and promises do not improve anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NRA Group, LLC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am writing to complain of obnoxious debt collection tactics used by national Recovery Agency, which I request be removed off my credit report. National Recovery states I have opened an account with XXXX, which I have not done any business with. I have been a victim of ID theft and have thus placed an alert on my report. I request that National Recovery Stops harassing me, and reporting negatively to the Credit Bureau about a debt/account I do no owe nor opened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a loan with XXXX XXXX XXXX XXXX. I paid the loan in full, earlier than the original pay-off date. I asked Transition to update my file to reflect the loan as " paid ''. Instead they deleted the entire tradeline. Clearly, no proper investigation was conducted and I lost a positive trade-in.

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 09-12-2017 about Vehicle loan or lease (Loan) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (IN).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: Harley Davidson Credit XXXX # XXXX Dear Customer Service : My credit report reflects an account with Harley Davidson Credit. This account was closed and vehicle voluntarily returned before I filed a Chapter XXXX bankruptcy. It was agreed that XXXX XXXX would remove this report from my credit history upon return of their collateral, a XXXX XXXX XXXX XXXX XXXX. 

Additionally, the loan which I received from Harley Davidson Credit was very unfavorable and the terms of the loan made it almost impossible for me to be successful. My interest rate was XXXX % and my monthly payment was {$470.00} over a XXXX period. At the onset of the loan, I questioned the very high interest rate based upon my current XXXX income and my debt to income ratios. I believe Harley Davidson Credit provided me with a loan product that was unsustainable and knew eventually theyd be able to recover their collateral and sell it for almost the same value which I paid. 

I am reaching out to you to request assistance in removing this item from all three credit bureau reports. This item is a blemish on my record and I believe had my income been examined more closely, it would have resulted in a payment that was affordable or the loan being denied due to lack of sufficient income. Unfortunately, this item has put me into a category which has led other creditors want to extend credit at very unfavorable terms. 

Please do not hesitate to reach me if you require additional details or further explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (I do not know) with Revenue Recovery Corporation (TN).
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!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 07/15/2015 about Debt collection (Credit card) with Gatestone & Co. International Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX/XXXX/15 I reached a settlement agreement with Gatestone agency to pay off my debt with a XXXX XXXX XXXX credit card. The settlement was for several hundred dollars less than the original amount, but I was assured that my account would be considered paid in full. One week later, my bank account was charged the remainder of the balance of my debt without any authorization from me or prior knowledge of this fact.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-03-2017 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I called on XX/XX/XXXX to have a XXXX XXXX credit card removed from my credit that has the First Delinquency date of XX/XX/XXXX. It is due to be removed on XX/XX/XXXX but last month I called in to get a few things removed early so I thought I would call in today to get this last negative off my credit. I was told the date has been changed to XX/XX/XXXX for chargeoff. That is incorrect as my last payment and first delinquency is XX/XX/XXXX. I have a report from Experian dated XX/XX/XXXX that also shows that 's the info the had and at some point changed this without notifying me. I spoke to XXXX and they also stated my last payment was XX/XX/XXXX and it is not on my other XXXX reports. I tried to dispute this with Experian and was told I could n't because it was disputed in XX/XX/XXXX. I have attached the report from Experian from XX/XX/XXXX that clearly shows this.

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 09-04-2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Received a call from this company saying they were going to sue me for a XXXX dollar debt. I thought it was a scam until I seen it on my credit report. Told me they will garnish also my wages if I did n't set up a method of payment that day.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (Credit card) with WELLS FARGO & COMPANY (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Wells Fargo Debt collection ( XXXX ) has been harassing me!! They call me during the week as well as nights and weekends. They have called me on Saturdays and Sunday BACK TO BACK. I have a recently started to collect a call log of every time they called me. They have called me many times before I started to take a log, but unfortunately I have no proof of past calls : ( I feel harassed and disturbed!! I literally had to use an app to block there calls as they would call SO OFTEN!!! XX/XX/XXXX : XXXX PM, XXXX pm and again at XXXX PM, XX/XX/XXXX:XXXX, XXXX PM XX/XX/XXXX : XXXX PM and again at XXXX pm XXXX pm and again at XXXX XXXX PM XX/XX/XXXX XXXX PM and then again at XXXX PM XX/XX/XXXX XXXX am and then again at XXXX am\ and then back to back at XXXX PM XX/XX/XXXX : XXXX am ( 2 times ) XXXX ( 2times ) XXXX PM ( 2 times ) and XXXX PM ( 2 times ) XX/XX/XXXX XXXX ( 2 times ) XX/XX/XXXX XXXX ( 2 times ) Today ( XX/XX/XXXX ) I called this number from Wells Fargo XXXX and spoke to someone to tell them I want to cancel my credit card and they transferred me unbeknownst to this number # XXXX and when I tried to make a payment arrangement the lady on the phone told me since my account is past due I have to make a minimum payment of {$220.00} to " stop the phone calls '' I confronted her about these long list of harassing calls and she did not even apologize for harassing me!!!

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 02/17/2017 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I received a XXXX and a XXXX for {$0.00} for XX/XX/XXXX from OCWEN. The property in question was foreclosed on and the debt discharged under chapter XXXX bankruptcy in XX/XX/XXXX, however the date of the identifiable event is listed as XX/XX/XXXX. I 'd never heard of OCWEN prior to receiving these documents, so it is unclear how they were transferred a mortgage that had been discharged in XX/XX/XXXX, and are now trying to take a write off on a loss that they should not have incurred. Is there a pattern of false reporting from this company that needs to be investigated?

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. ().
Issue: Account opening, closing, or management

Complaint: VERY URGENT! I set up a checking account with Bank One in XXXX XXXX. With this kind of account I had been told that if I keep a minimum balance of XXXX USD it will be free of charge - meaning my monthly service fee will be waived ( see explanation on statement ) .Received statements from Bank One until XXXX XXXX to my address in XXXX and a letter in XXXX to sign and return to keep it active what I did immediately. Received letter in XXXX signed and returned asap. Received letter in XXXX included a new VISA check card from Chase XXXX which I ca n't use in XXXX XXXX. This is how I got informed that Bank One now became Chase Bank. I received NO other information! Received letter in XXXX signed and returned asap. The balance on this document had been the same balance since XXXX! Got a letter in XXXX with a new Chase Visa Check Card. In XXXX XXXX received again a letter to sign and return what I did asap. On this statement my balance showed an amount less than the statement before. Unfortunately I XXXX could not take care of such matters. Now I XXXX will travel XXXX in XXXX XXXX. I called and emailed to Chase Bank in XXXX XXXX to find out why they had started taking monthly fees of my account all of a sudden without informing me of everything. 
XXXX ) I did not get any serious information that Bank One had become Chase Bank. 
XXXX ) Then in XXXX they just changed my account status and started charging me with monthly fee of XXXX $ on my bank account. 
XXXX ) I did not get informed by Chase Bank about any changes until my call in XXXX XXXX! 
XXXX ) I did not sign an agreement for changing my bank account status with Chase Bank. So they made unauthorized transactions. 
XXXX XXXX The amount on my account has dropped of nearly half the amount I did put in the account XXXX ( without me taking any money out from it XXXX. 
This is why I am writing to you. I have included a time schedule report about my activities to Chase Bank. I did not get any response on my complaint but received a letter from Chase Bank end of XXXX XXXX instead, informing me about their " Additional Banking Services and Fees '' which really does not help me at all. Also you will find copies of documents I have received from either Bank One or Chase Bank. 
I will travel XXXX in XXXX XXXX and would be happy if the matter could be solved by then because I do n't know when I will have to opportunity to come back. And probably I have to do anything about my account " personally '' in the bank office XXXX meaning taking money off or deposit money ) because I am living XXXX and this is why I want to have the total amount back I owed when I set up the account by this time and the problem solved. Hopefully you can help me. Thank you very much in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-11-2017 about Debt collection (Auto) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Attached is email communication from LoanMart 's XXXX XXXX representative ( XXXX XXXX ) threatening me with a repossession order when I clearly stated to him in writing that the XXXX/XXXX/17 payment was sent via mail XXXX/XXXX/17 ... 

First, and foremost, I 'm a LEGAL tax paying law abiding U.S. citizen, and am NOT going to be communicated with in a threatening demeaning degrading way by ANY individual, or organization, especially by someone with probabe friends, and, or family members who are illegal immigrants over a {$260.00} monthly loan payment sent in later than the payment date. Although I 'm also being assessed a daily compounding late payment interest amount!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Loan servicing, payments, escrow account

Complaint: To Whom It May Concern : My Mother XXXX XXXX XXXX passed away on XXXX XXXX, 2015. We purchased the house together and all though I am not on the mortgage note I am on the Deed of the house. We purchased the home in joint tenancy in the State of Colorado. We were advised when we bought the home that this was the best way to take title so that no formal Estate had to be established because in the event of XXXX of us passing away the ownership transferred to the survivor. Wells Fargo is making me chase my tail for an issue that can be settled. We are trying to short sale because when my Mom was sick she did not pay the mortgage and I can not afford with only my income. This is what they keep telling me : ( We need documentation that the person on the deed is able to sign for the deceased. The person on the deed is not on the loan. ) This makes absolutely no sense the only POA done for my Mother was medical and not real estate related. I did not think that we had to go through this because of joint tenancy title in the State of Colorado. If this was a normal sale they would accept my signature as the sole owner on title do not know why they are giving me such a hard time in the short sale process. Can you please help me get this issue settled??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Fraud or scam

Complaint: XX/XX/2017 I friend of mine send money order through Wester Union ( WU ) With the tracking number XXXX. XX/XX/2017 I picked up the money for a total amount for {$1900.00} at one WU agent store in XXXX, CA. They did n't give me cash as they usually do, Instead they gave me XXXX checks XXXX for XXXX other for {$930.00}. So I took those checks and deposited them in my Bank Account. Next day XX/XX/XXXX, I received a call from my bank to let me know the checks bounced. Since then I 've been looking for an answer about what happened with WU and made more than 12 phone calls to their customer service line. They keep telling me is an Agent problem. I went 2 times back to the Agent Store they call to their Agent Service Line with WU and after a long wait both times, same story, they said the problem is with Western Union. As you can see I 've been running in circles with this XXXX institutions NO ONE TAKES OWNERSHIP of the issue and give me a concrete solution, they just said that I have to wait, But I ca n't just sit back and do nothing. I filed a complaint in Western Union complaint service with the case num XXXX no answer on their end. There are many wrongdoings in this case, I feel ripped-off. in the First, I went to a Western Union " Authorized Agent '' and they gave me BAD CHECKS why? Second, After so many emphasis Nor Wester Union Neither the Agent take ownership they keep bouncing the ball between them. Third I paid for an express service {$60.00} dlls fee, cause I needed they money urgently and Is time that I do n't have my money back yet. Even though the sender pay in cash and fulfill all Western Union policies last but not least, Wester Union and its agents may decline to accept or pay money transfer that either of them determines violates any applicable law or policy, But in this case they accepted the money and more over they paid it, What means everything was okey and according their policies and laws. So why I have to deal with not funds Check? This is a rip-off!!! 
Resume International Money Transfer in compliant with all Western Union Policies and Laws Amount {$1900.00} Dlls Problem : Bounced Check By on of Western Union Authorized Agent Money Origin XXXX Dated XX/XX/2017 Money Pick Up XXXX, CA Dated XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recent disputed inquries on my credit report to XXXX due to some fraudulent activities. Companies such as : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX 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 07/29/2017 about Credit card or prepaid card (General-purpose prepaid card) with Empowerment Ventures, LLC (MI).
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint: On XXXX/XXXX/17 XXXX debited {$120.00} and cancelled it the same day as I paid cash with them. I called Rush Card and was told I have to wait 10 days for my money. The transaction is still pending and is. It going to post since it 's been cancelled

Company response to consumer: Untimely response