milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/18/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complain because experian has ignored my request to provide me with the documents that their company has on file that was used yo verify the accounts I disputed. Being that they have gone past the 30 days mark 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 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 02-07-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Struggling to pay mortgage

Complaint: Hello, I received an email from Wells Fargo informing me not to pay for 90 days and that those payments will be adjusted somehow. Here is the email ; Dear XXXX XXXX : Were here to help. 
Were reaching out because you are potentially located in a FEMA declared disaster area. Hurricane Irma left extensive damage in your community. Our thoughts are with you and all of those impacted.  Were you impacted by Hurricane Irma?

If you arent able to make your normal payment, we have taken proactive steps for customers in FEMA declared areas by placing a 90-day payment relief period on accounts to assist. This includes : We will not assess late charges. 
We will not report any negative information to the consumer reporting agencies. 
We will work together over the next 90 days to discuss options available on repaying any payments missed during the 90 days as there are many options depending on each individual situation. 
We encourage you to continue to make your payments if you are able. 
Sincerely, XXXX XXXX Senior Vice President, Customer Service Wells Fargo Home Mortgage Then I received a letter saying that XXXX XXXX was actually my lender and Wells Fargo is just a servicer, and payment is due to be current which was {$2800.00} on XX/XX/2017 or I would be in FORECLOSURE. Each mo. is XXXX, and the next mo. was due in 3 weeks. I made the payment after selling many items and it completely wiped me out financially. Since then I have been late in XX/XX/XXXX & XX/XX/XXXX w/fees and it has been reported to creditors. Even one of my credit cards was deducted b/c of my credit report from XXXX to XXXX caused by Wells Fargo. I have emailed them about this problem and they say to call, but then when I do the department that handles certain situations are always closed. BTW, I am currently up to date on my payments, but with a leaking roof, flooded walls and floors, and destroyed fencing. 

Thank you, 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 monetary relief
Consumer complaint received 03-07-2018 about Debt collection (Credit card debt) with U.S. BANCORP (ND).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: The debt collection agency ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ND XXXX ) ( Telephone : XXXX ) repeatedly and deliberately talked over me whenever I tried to talk to them and explain my situation ( drowning out my words in an abusive fashion ). ( The issue was that I was unemployed after being laid off and needed more time. ) They also falsely stated, more than once, that they couldn't talk to me unless I provided my full social security number and more ( my date of birth ), even though I had the account no. and their file reference number and were responding to their letter. Now they have sued me ( despite my attempts to work things out fairly in time as possible ).

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 06-05-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My Experian " XXXX XXXX XXXX '' shows that on XXXX/XXXX/15 XXXX XXXX reported a new account under my name, the balance being {$38000.00}. ( Please see attached screen shot ). I never opened an account with XXXX nor did I take out any financing that might be underwritten by XXXX. 
I assume this to be a case of identity theft / identity mismatch. I took it up with XXXX XXXX who could not find an account held by me, XXXX XXXX XXXX referred me to Experian. 
I further discussed the case with Experian, as the account does not appear on my credit report, but only in the " XXXX XXXX XXXX '', I can not file a formal dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Billing disputes

Complaint: aaa visa credit card handled by bankamerica, Received email about late payment today, called and was told the card is now handled by XXXX. 

The card was my overdraft protection at Bankamerica 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 explanation
Consumer complaint received 06/26/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (OH).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Pnc bank is double charging for over draft fees. Once when it post and then again when they return the items

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Trouble during payment process

Complaint: This is the third time I am filing the same complaint against the same company. All you do is contact the company for them to reply. When are you going to step in and do the job my taxes are paying you to do?      SunTrust Mortgage ( Loan Number   XXXX   ) con sistently misapplies my payments. I make my payments e very two weeks i n the amount of {$550.00} for a monthly mortgage payment of {$1000.00}. This leaves an additional principal payment of {$99.00} each mon th. SunTrust ha s been applying the full {$550.00} to the principal, rather than applying it to the monthly payment. Then, when the  XXXX  of the month comes along, since the full payment has not been made they charge me a late fee of {$30.00}. Even though they have received full payment.     I have only had this mortgage since  XXXX , yet they continue to try to steal money from me. You wrote to me on  XXXX   XXXX  that you were sending my compla int to SunTrust.  On  XXXX   XXXX   SunTrust wro te that they had reapplied my payments correc tly ( for  the second time ). On that same day, they AGAIN misapplied my payment to the principal. In spite of the fact that when I wrote to them I included a payment schedule for the entire calendar year showing how much they would receive and how each payment was to be applied.     I want your office to step in and do your job. Simply sending my complaints  to SunTrust is  not enough. They continue to illegally try to steal money from me and your agency has thus far done nothing to prevent this. I am contacting  Senator   XXXX  and Congressman  XXXX  to ensure that you do your job and g et SunTrust to s top this illegal activity.

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 07/19/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Billing statement

Complaint: Over the past 7 months I have been monitoring the interest payments on my credit card from Bank of America ( rewards ). The interest seems rather high to me. I believe their interest calculation works in principle according to : 1 ) the interest on any statement refers to the purchase amounts carried over from the previous month. 
2 ) the closing date ( XX/XX/XXXX ) and the payment due date ( XX/XX/XXXX ) are different, 3 ) the interest rate on amounts carried over from previous months is really high and seems arbitrary as the following data from my credit card statements shows : statement date interest charged balance amount paid ( $ carried over ) XXXX/XXXX/16 {$14.00} {$1400.00} {$1400.00} ( {$0.00} ) XXXX/XXXX/16 {$16.00} {$1400.00} {$1400.00} ( {$63.00} ) XXXX/XXXX/16 {$14.00} {$1100.00} {$1000.00} ( {$120.00} ) XXXX/XXXX/16 {$15.00} {$1000.00} {$1000.00} ( {$29.00} ) XXXX/XXXX/16 {$6.00} {$520.00} {$250.00} ( {$270.00} ) XXXX/XXXX/16 {$12.00} {$1200.00} {$1200.00} ( - {$3.00} ) XXXX/XXXX/16 {$9.00} {$1600.00} {$1000.00} ( {$600.00} ) My monthly payments were all made on or before the payment due date. 

My problem is that I called BoA for clarification - it took over 1/2 hour, multiple holds, speaking with XXXX representatives before getting a rough answer - made by the above XXXX points. Their description on how to avoid interest payments on regular retail purchases seems simple enough - " Pay the statement in full. '' However, debt carry-over into the next billing period seems arbitrarily exhorbitant, according to my data above, i.e. interest charged vs. ( $ carried over ). BoA does not provide clear rules in this regard. Coupled with calculation uncertainties surrounding the different closure and payment due dates, even the BoA representatives that I spoke to were confused on how interest charges are computed. One representative even commented on possible interest charged on purchases made within the closing and payment due dates - showing up on the next billing statement. As I did not receive a $ -to- $ itemized detail on how BoA obtained the precise interest figures, I conclude BoAs practice of interest computation is nothing short of obsfucation that works in their favor ; and hence predatory. Although the interest payments are not large in this case, I feel BoAs credit card practices deserve closer inspection.

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 12/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have tried fro two months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your time. Attached is the last letter i sent this credit reporting agency

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 03/28/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I recently was forced to get an appraisal done through Roundpoint to get the PMI removed from mortgage. Roundpoint made me get this appraisal respite the lender not specifically requiring appraisals for PMI removal ( Lender requires some form of property value assessment, acceptable forms include XXXX. ) Before I agreed to this appraisal I made sure I would receive a copy of the report and the invoice. Roundpoint confirmed in writing that I would receive these items ( Reference paragraph XXXX of the XXXX email attached ). The appraisal report was sent from the appraisal office to Roundpoint on XXXX/XXXX/2016 ( I was not copied on this ). On XXXX/XXXX/2016 at XXXX am I sent an email to Roundoint ( servicinghelp@roundpointmortgage.com ) again requesting a copy of the appraisal and invoice ( reference attached XXXX email ). I waited weeks before sending another message through the Roundpoint online messaging service, again requesting this information ( reference attached XXXX message ). Roundpoint has refused to give any kind of response.

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 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Fraudulent account. They have stated they ca n't find the reference account in previous complaints yet it 's still being reported to Experian as erroneous information and violating the FCRA.

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 04/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX ( Account # XXXX ) reported a debt that i had no idea they were reporting. They never contacted me for the said debt. After i disconnected my DSL and Phone services, i had a bill of XXXX. I asked then agent if i could pay off my bill on the phone while she disconnecting my services. The agent told me that i would have to wait for another bill, which is prorated since i had disconnected my services in the middle of the month. The agent gave me this Order number : XXXX after the account was closed. I waited from XXXX till XX/XX/XXXX, i had to call them up again, then they decided to send me the bill. As soon as the bill came in, i sent it back same day with a check of XXXX. This is a case of incompetence or hiring people with no training on how to carefully handle the public 's credit. Their stuff are misleading the public who unknowingly hurt their credit scores. Had the agent let me pay the XXXX dollars, i would n't mind even if they kept the balance. I called XXXX today after i was shocked with my credit scores, they 've advised me to dispute the credit score with the credit report agencies. They told me as far as they are concerned i 'm in good standing with them and they have no way to erase he error. Why they would destroy my credit for them to dismiss me this way is what i ca n't comprehend.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Contacted credit bureau by certified mail, XXXX XXXX, 2017, disputed a bankruptcy XXXX reporting on credit bureau. Was advised that the dispute was investigated by XXXX. <P/>However, there is no proof of the investigation and I have contacted XXXX Consumer Center and US Bankruptcy Court and was advised that information has not been verified through either agency. XXXX advised file is sealed and no information has been verified to XXXX or Experian. US Bankruptcy Court advised that they do not verify any information to third parties. <P/>Bankruptcy has not been verified or validated. Further, I was sent a response within 5 days and it is highly unlikely that of the thousand requests, my dispute was investigated and verified in that time frame. I requested proof of the investigation and did not receive any.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX 2016, I went onto the XXXX website to check my credit report and found, once again that Ocwen Loan Servicing has failed to report accurately to the credit bureaus. This has been an on going issue with Ocwen Loan servicing! Per XXXX, Ocwen failed to report to XXXX and possibly the other credit reporting agencies that we were current for the months of XXXX, XXXX, XXXX and XXXX 2016. Per Ocwen Loan Servicing website, it clearly reflects that Ocwen received XXXX 2016 payment on XXXX XXXX 2016. Ocwen also received XXXX 2016 payment on XXXX XXXX 2016, XXXX 2016 payment on XXXX XXXX 2016 and XXXX 2016 payment on XXXX XXXX 2016. Per Ocwen credit history report on us, it clearly reflects that Ocwen is reflecting for XXXX 2016 a " XXXX '' which means no payment history available this month! As you can see, this is inaccurate! Per Ocwen credit reporting on us, it clearly reflects the last time Ocwen reported to the credit bureaus which was on XXXX XXXX 2016. Now, Ocwen has failed to report and report accurately. As you can see with the attached documentation that Ocwen Loan Servicing failed to report accurately. Note : we recently tried to apply for a second home mortgage in Utah but with Ocwen failing to report accurately, this caused our bank to increase our rate from 3.85 % to 5.75 %. Our bank did not know if we paid Ocwen Loan Servicing for those months or not! By Ocwens actions, it can cause us to be denied credit or to have a higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have submitted a previous request regarding the public record on my Equifax credit report to please be removed. The tax lien has been satisfied and I 've submitted documents showing this but Equifax is still refusing to remove it from my report saying that it is listed as " released. '' I am trying to get a house for my children and myself and this public record is hindering me from doing so because it 's reporting as *derogatory '' on my report. I have submitted the satisfactory document to the other credit bureaus and they have deleted this from my report with no problem. I am in desperate need to have this deleted from my report and I am in desperate need of a place to stay!

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After obtaining a copy of my credit report I noticed multiple unauthorized inquiries from the same company all around the same date. There are 3  XXXX   XXXX  Inquires for 3 days in a row that I did not authorize. Th e 2 I  am disputing is  XXXX / XXXX /  XXXX   and  XXXX / XXXX /  XXXX  . I 'm not sure why this creditor ran my credit multiple times. The next  is 2  inquiries for  XXXX   XXXX . The other  2 is  for  XXXX  and  XXXX  I am not sure who or what these companies are.     On Equifax there are  2 inqui ries per creditor. I did not authorize  XXXX   XXXX  to run my credit on  XXXX / XXXX /  XXXX   or  XXXX  on  XXXX   XXXX . I am not sure how these creditors got my information. I called the credit bureaus and was told to contact the creditors directly, I did so and I was informed to contact the bureaus. I sent the creditors certified letters an d not one  of them has responded but  XXXX   XXXX  for  the one  inquiry  XXXX / XXXX /  XXXX  .     The credit bureau proclaims to have verified I authorized these accounts, I asked them to provide me with the information they used to validate these accounts but my request have went ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: After taking out student loans in order to finish school. I was unable to make payments. I contacted my lenders and was instructed to send in documentation regarding my financial situation. I did do so, however it was n't credited to my account. XXXX claimed to not receive the documentation required after several attempts to send the documentation. When they did admit to receiving the paperwork, they claimed it was one day too late. This not only affected my credit but it kept me from obtaining employment. I feel their actions were fraudulent. I would like my credit report to reflect that all of my loans were in deferment at the time. Additionally they gave me the wrong information regarding my student loans and was under the impression that they were my only servicer and was responsible for me not contacting department of Education regarding the same loans.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX/XXXX/2015 ... I called Equifax and explained that XXXX XXXX XXXX is illegally re-aging the debt on my credit report. I explained that I am a subscriber to their " Equifax Complete Premier Plan ''. So, I am able to review my credit report as often as needed. I explained that on my Equifax report dated XX/XX/XXXX XXXX XXXX XXXX reported the date of XXXX delinquency as XXXX ( report # XXXX ). The item had been removed off my report. On XX/XX/XXXX I pulled my Equifax report and discovered that XXXX XXXX XXXX was put back on my report. They were now reporting the date of XXXX delinquency as XXXX ( report # XXXX XXXX. I explained to a rep and then Supervisor " XXXX '' ( Agent # XXXX ) that I wanted to dispute this because it was an illegal act. XXXX STATED that collection agencies can legally do this. She stated collection agencies can re-accounts in perpetuity. This statement is false. Re-aging debt is called zombie debt and it is illegal. The " supervisors '' and representatives need to be cautioned against giving bogus imformation. I would really like to have this investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2015 about Debt collection (I do not know) with General Service Bureau, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a notification from my credit monitoring service and the following is what showed up : A company called General Service Bureau placed a collection on my XXXX report for {$190.00}. I have received no dunning, no contact and no proof of debt from them. I recently applied for a mortgage refi so I am assuming they are trying to cash in by illegally placing an improper collection on my credit report. I do not owe this debt.

Company response to consumer: Closed with explanation