milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-03-2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (MO).
Issue: Trouble during payment process

Complaint: I received a bill statin g Selene Finance w as requesting {$160000.00}. on house at  XXXX   XXXX   XXXX   XXXX , MO  XXXX . Problem is bill was sent to mortgage owner  XXXX   XXXX  and she has been deceased since  XXXX , We sent the copy of death certificate and informed  Selene Finance that   XXXX   XXXX   was  deceased the rep said all collection would cease because they did indeed had copy of death certificate. On  XXXX   XXXX  some people who said they were from  Selene Finance  looking for  XXXX   XXXX  they were informed once again she is deceased. In the state of it is illegal to collect or try to get monies from a deceased person an d Selene Finance  was notified of this their address is  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  phone number  XXXX   XXXX   XXXX  property or account is  recognized under   XXXX   XXXX  and her address.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 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 is missing that should be on the report

Complaint: My husband of    18 years  and I have  XXXX  joint credit cards, among our own others. In my current credit report, I 've finally noticed that Experian is the only reporting agency that actually halves my " available credit '' for  XXXX  joint card, and completely omits the  XXXX  joint card and gives him full credit for that joint card towards a more favorable score. We have that card paid off every month and are carrying a balance on the  XXXX  Experian " lets " me count.

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 05-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to receive phone calls & emails from a Debt Collector for for more than 8 months for a debt that I do not owe. 

I have asked all parties ( XXXX & Transworld Systems ) to stop this illegal harassment considering I do not owe any money to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Credit reporting () with EQUIFAX, INC. (VT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am disputing the XXXX report that they are charging me with..I had consumer Affairs involved and they reported back that they over charged me on thier Account..We cancelled the cable with them and 6 months later they kepted charging for a cable bill..And we had internet lite and they upgrade the internet without our permission and We told them disconnect their service and that We did n't want their high priced service..And XXXX told us our bill would only be XXXX a Month and them after the upgrade they went to XXXX without our permission..And they do not have any of my personal infor like Social Security or any such..

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 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: I have been fighting the accuracy of my 12 student loans that have been out of default sine last year of XX/XX/XXXX where i did a rehabilitation program with XXXX and all of my loans have been out of default and paid as agreed with a zero balance as i have also consolidated all of the 12 loans into 1 loan! I sent a email to the CEO of XXXX and got a email back from one of his workers! XXXX XXXX! she informed me that i did in fact have them as my servicer as the original bank XXXX sold it to them back in XX/XX/XXXX! Now in XX/XX/XXXX i had lost my job and apartment so I never received the mail and or the welcome letter that XXXX stated that they infect sent out! Well today she emailed me a letter saying they could not removed the payment status of XXXX past due as that event happened before i rehabbed my loans although XXXX the ORIGINAL bank has done so once i completed my program, but yet XXXX XXXX is saying they can NOT! In the welcome letter that XXXX XXXX sent me it Clearly states that XXXX sold them only 3 of the 12 loans! Which i still never received that letter, she emailed it to me today to show they had a letter but there was no proof to show it was actually mailed out but i would not have gotten it as I was not living at that address. It shows that these loans are supposed to fall of my report next year XX/XX/XXXX! but these 12 accounts that are not even theirs are showing 120 days past due is making it hard for me to get a home. I sent a goodwill letter and have had no luck! But with the information I have they only brought 3 of the 12 loans.

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 09-10-2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (MN).
Issue: Charged fees or interest you didn't expect

Complaint: The company has contacted me at my place of employment twice. The company interest rate is well over of the cap for the state of Minnesota. They are not registered with the Minnesota Department of Commerce to make small consumer loans in Minnesota. Also, they tried to withdrawal funds on XXXX using check number XXXX. I never provided this check number to the company. 
I was unaware of my rights after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Bayview loan service took over the servicing of loan number - For XXXX DATE XX/XX/XXXX. 
This company has missed manage this loan the the principal is constantly being manipulated.There seems to be some kind of fraud with the principal balance on the documents. 
When I called in and asked about the loan customer service told me that the loan was 13 months behind and i said how can that be when you have been getting the payments.She asked if i was in a loan modification i told her we were not in any loan modification. 
Then my wife called in on XX/XX/XXXX and customer service XXXX tells her that there is {$7800.00} in a suspense account she said to her why do they have it in there she said she would move it over and that it would take 24 hours to show up in the account. 
Then my wife called in on XX/XX/XXXX and XXXX said there is {$480.00} in the suspense account. 
The original loan amount -XX/XX/XXXX- {$81000.00} Loan amount on XX/XX/XXXX- {$89000.00} Loan amount on XX/XX/XXXX {$88000.00} Loan amount on XX/XX/XXXX {$88000.00} Loan amount on XX/XX/XXXX {$86000.00} On the XX/XX/XXXX to XX/XX/XXXX. The suspense account had {$1900.00} in it. 
They applied the money from the suspense account to the loan. 
The balance was brought to {$86000.00} date XX/XX/XXXX. 
I want to know why this account has so much inconsistency with it and what happened to the {$1900.00}. 
Now the balance is back to {$89000.00} after what looks like they did some type of reversely on this account. I have sent documents to show some of the inconsistency on this account. 
Deliberately creating a technical default or wrongfully declaring a default in order to generate fees and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (NC).
Issue: Account opening, closing, or management

Complaint: I am a senior citizen who has been vulnerable to financial trouble due to a bank that used my money to open up unauthorized accounts. This bank that I speak of is Wells Fargo. It first started out by putting me in a platinum savings account. Then I received notice of a standard brokerage account. In the end I have all of these accounts that I never approved of. Wells Fargo has moved my money in the manner of which they saw best fit, nothing in regards of my consent. There were also false dates that provides proof on their behalf that I was at their local branches making these changes. The time span of all these events was XXXX 2016 to XXXX 2016.

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 08/28/2015 about Debt collection (I do not know) with Lien Enforcement Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never been contacted by the company claiming the debt and I have never requested or contracted any services from them. I saw them on my Credit report and they have never attempted to contact me and will not respond to my demands for proof of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: My issue is related to the creditor XXXX XXXX. I have notified XXXX XXXX in writing and also by disputing on my credit report a claim that is not accurate. I have n't ever had a mortgage as reported by XXXX XXXX I 've disputed this with them over the phone with minimal results. I 've asked for a copy of the contract bearing my signature or any documention proving my knowledge of account without any results. I 've asked for verification of the alleged debt and XXXX XXXX has n't provided me with anything. Please help!

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 02/15/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Managing the loan or lease

Complaint: My complaint is with Santander Consumer USA, which I have an auto loan. I do not think that it is fair that customers have to pay ( apprx. {$10.00} ) for on time payments which can be made online or on the telephone. The only way a customer could possible avoid making a payment to make a payment is by setting up an XXXX ( XXXX ) payment arrangement or mailing in your payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Loan was delinquent. Ended up paying off the vehicle but vehicle is showing as charged off.

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 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Got a student loan from  XXXX   XXXX  and got behind on payments due to health issues.  XXXX   XXXX  then sold account to a collection agency,  XXXX   XXXX .  XXXX   XXXX  's " Credit Item '' on my credit report is reporting the account as " Student loan permanently assigned to government '' yet this account remains at a collection agency not a Government Agency like Department of Education.      XXXX   XXXX   XXXX  are reporting the account as a collection account n ot a Student Loan Education Account, and they are not showing as current. I have been making  automated payments since  XXXX   XXXX ,  XXXX  faithfully in the amount of {$200.00}, but in  XXXX / XXXX / XXXX  amount went up to {$200.00}. On my credit report the payment history still show s as " Past Due '' with no payment listed as " OK '' it has a " C '' which represents Collection.      The payment history not reflecting as " Paid as agreed '', the payment history not reflecting any payments is hurt ing my efforts in trying to get a home. It is also affecting our marriage and causing mental anguish. I h ave spoken with  XXXX   XXXX  and their answers a re : " Sorry, W e ca n't do nothing about it ''. No remorse or consideration to the payment arrangement. I feel that I am not getting any kind of credit for making on-time payments to  XXXX   XXXX  for the past 3 years. I am doing my very best to pay back this loan and they refuse to report correctly to the credit bureaus.

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 06/27/2016 about Credit card () with DISCOVER BANK (FL).
Issue: Credit determination

Complaint: I 've been a customer for 2 years with the company, never had a complaint until today. I just finished talking with the executive office because an inquiry that I did this weekend about a credit card application that I submitted last week. That application was denied, and I call just to know why. I do work in banking as well, and I do care about my credit, because since I 'm not a millionaire I depend on it for anything. I 'm currently working and XXXX both since I need to progress myself. 

Well, the main reason I 'm writing to you today is because I think there is something that Discover should consider in changing or adjusting or do something. When I was doing my application on the second tab ( please see attachment ) It says clearly that if you work and study, 'you select student '. That was basically the key to the point in this complaint. As per your company ' policies students are only allowed to have XXXX account, and nonstudents XXXX, but going back when you apply and you 're doing both you must choose 'Student '. 

Basically, what I did was a waste of my time and a hole on my credit bureau, because the policies of Discover discriminate students. And plus that, I 'm not only a XXXX, I 'm doing both, which should be considered all the way around. I have called several times to the executive office, they just do not care, and there is no way to go futher and let the real executives the dedication of this problem. 

Well, my humble advice, a bank which a lot of his customer base are students, should not treat students so lightly, so XXXX, explain better in the application tab ( if doing both, instead of choosing 'student ', chose 'working ' ).

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (MD).
Issue: Using a debit or ATM card

Complaint: I live in XXXX, drove XXXX miles to XXXX to XXXX store ( XXXX ) tried to pay with credit card issued by Chase, it denied my transaction, I called the number behind the card, talked to a representative about it, for 15 minutes, i thought everything was fine after the conversation, returned to the cashier and again declined. I called back to credit card customer service, talked 30 minutes until no more battery on my cell phone, I left the things I intended to buy and drive back home for XXXX hour or so. 
I was expecting that when your credit card is declined, XXXX phone call from you fix the things, but not. 
My question, what the customer should do in this situation?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I called Equifax to get my credit report, they took all the necessary information but they could not find me in the system. They asked me for a hard copy of my information which I have sent to them previously but still they could not help me. If my identity was compromised what am i supposed to do what is the procedure and why equifax does not help me?

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Using a debit or ATM card

Complaint: I am so disappointed in Bank of America, and their ways on charging hard working people like myself, and that lives check to check with all these hidden and ridiculous fees! I did n't notice I overdrafted my cheking account, so my savings covered the overdraft cause I have them linked, and does n't bank of America truly charge me {$12.00} for an overdraft transfer!! Wait what!!! For that I would of left my account overdrawn by XXXX cents instead of this sneaky stuff they are doing! This Is sad that you trust your bank with your hard earned money, and they just rip you from every angle. If I had thousands or millions I would n't mind a bit, but the rip the little guy, and not the big guy with all the money!! These banks have to accountable for their wrongs too, and to loyal customers!! I also started a claim when my wallet got stolen and {$200.00} were taken out without any of my knowledge or authorization, and they just proceeded to dismiss my claim and not pay me back my stolen money!! I will never recommend this bank to anyone, cause they do n't help you out at all. Only themselves!! I just lost my dad on XXXX and my financial situation is bad with all my dad 's funeral expenses!! I would n't recommend bank of America and all their hidden and unjust fees and they do n't help their customers out in any way!!

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 04/25/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I received two calls from Portfolio Recovery from XXXX different numbers both on XXXX XXXX, 2016. The first number was XXXX and they called at XXXX EST and the second call was from XXXX and they called at XXXX EST. The number that they are calling is my work number and I have asked several times that they do not contact me at work and they continue to do so. They have my cell phone number. I have spoken with a rep by the name of XXXX XXXX and again I have asked that they do not contact me at work. The rep stated that they would continue because I refuse to answer my personal cell number. I have asked them to provide proof of debt in writing and each time they have told me no. I would like for them to stop calling me I have been reprimanded for their unwanted phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2016 about Mortgage (Conventional fixed mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I was recently effected by the flooding in XXXX, LA. I have mortgage against the property, I have been out of my house for 3 months now and I have yet to receive any payments from my mortgage from the claim loss to finish the repairs. I have put all of the monies so far to complete repairs. When I call them to get answers I can never any person that is willing to bring it up to a high level to resolve my issue or even consider the pain and suffering my wife and I are going through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: on XXXX/XXXX/2017 i had went back to TD bank and asked them what i can do to receive a refund in the total amount of {$1600.00} and TD Bank Said there is nothing they could since it has been over a year even when went back in XXXX of last year they said the same thing

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In 2012   XXXX   XXXX   began calling me about a loan I Co-Signed, I stated that I never co-signed a loan, they transferred my call and kept repeating that I did co-sign a loan and that I am responsible for it.
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I did not co-sign a loan. Navient is threatening to report delinquent payments to the credit bureaus regarding a loan that is not mine. I made multple payments on a loan that is not mine in fear that they would destroy my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX XXXX XX/XX/XXXX XXXX IS DISPAYED INCORRTCY AND IT HAS BEEN OVER 30 DAYS AND STILL THE INORRET INO HAS NOT BEEN DELETD FROM MY CREIT REPORT. 

DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID

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 02-04-2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (MS).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX XXXX, Notice to quit and demand for possession XX/XX/2018 XXXX XXXX  and all other occupants residing at XXXX XXXX XXXX  XXXX, MS XXXX I went out of town to help my father because he was ill I would like to stay in my home I have XXXX boys still in school and I need time to get myself back on track I really need help please help me and my XXXX  boys please thank you very much

Company response to consumer: Closed with explanation