milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-03-2015 about Debt collection (Credit card) with PAYPAL HOLDINGS INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Paypal repeatedly calls me from an unlisted number sometimes XXXX times a day. Sometimes XXXX to XXXX minutes after the XXXX call. I answered the call once to see who it was. It always comes up as " Unknown '' on my phone so I generally refuse the call from such numbers. 
They said they were collecting a debt from PayPal, which I do owe. I said I know about the debt and that I would try to get a payment said thank you and goodbye. 
They still call me repeatedly, the only way I know it 's still them is the voicemail they 've left maybe XXXX times. Most times it 's just repeated phone calls from " Unknown ".

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: Bank of America is applying my monthly payment to my 0 % transfer balances first and then applying whatever is leftover above the minimum due, to my 15 % purchase balance.   This seems in direct violation of th e 2009 c redit card act? Where payments must be applied to the highest interest balances first?

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 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My Balance of my home water softener purchase and installed in my home on XX/XX/XXXX or XX/XX/XXXX balance keeps rising at a interest rate of APR 7.00 % .I owed on my loan {$1600.00} but it keeps rising each month. Also on my credit report it states negatives and late payments, in which a filed bankruptcy was filed on XX/XX/XXXX and loan was reaffirmed.But creditor should not report any negatives on my credit report with XXXX, Transunion and XXXX. I have a excellent payment history. I am XXXX XXXX and 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 explanation
Consumer complaint received 09/14/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo has refused to resolve large financial discrepancies in my mortgage account, they 've refused to process a legitimate HAMP request, altered the loan documents after I signed and sent them in, and after I became insistent that they resolve the issues they put the condo into Foreclosure status without notifying me and sold it at auction despite knowing I had not been notified ( as verified by USPS records ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We applied in to refinance our house because of the high interest rate of 6.50, at that time the rate had dropped as low as XXXX. Citibank acquired our loan in 2006 from XXXX. Citibank was fully aware that they did not service manufactured homes when they purchased our loan. Our house has a different status that is to be considered the same as a standard house. Documentation was presented from the State Housing Department, Citibank refused to recognize the documents. Citibank refused to allow a refinance or later assistance due to hardship. A representative even stated,. that they should not have purchased this account because they do not service those kind of accounts but because they have it we are basically stuck with paying the higher rate. I feel Citibank refuses to recognize or housing status to ensure we are not allowed to lower the interest rate to force us to continue to pay the {$2800.00} mortgage payments., As a homeowner we have the right refinance if we quantify by our pass payments and credit score, both were OK according to Citibank when asked. We contacted our XXXX and the state housing department later we were referred to cfph for assistance.

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 Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This collection company sent me a letter trying to collect on a debt that I do n't owe from XXXX insurance company. They are saying I owe XXXX but in fact I do n't! They automatically withdrew money from my bank account each month and they did n't insure XXXX of the cars that 's why I had to seek new insurance with XXXX XXXX! I paid them every dime that I owed them and they are still trying to charge more! They sent me a letter informing me that they were canceling my policy because they did n't insurance on of the XXXX car! So if they did n't insure the car there was no money owed and I set up direct draft! They need to send me an itemized statement with all the charges being very specific on to what I 'm paying additional money for. Texas law requires them to explain to me with original documents from original debtor on how they came to the amount of {$320.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: i lost my home as of XX/XX/XXXX.i have hired lawyers to deal with this problem and the problem is that i was sold a predatory loan it had a 20 % pre payment penelty with it XX/XX/XXXX for 3 years when XX/XX/XXXX came i was so under water with the home and my payments went from XXXX a month to XXXX a month and the bank would not work with me.all the lawyers i had hired had failed in there job and cost me about XXXX..if the banks dident want to work with me thay just sold me to another bank and it started all over again with no outcome..there is much more to this than what i can type..the bank [ XXXX XXXX XXXX ] fordged my documents to try to forclose on me [ robo signing ] .i have proof of this from one of the lawyers i hired.and last. the bank offerd me {$4700.00} to be out of the house by XX/XX/XXXX threw a realator and she keep my money for not taking a frezer off the property ... property address is XXXX XXXX XXXX XXXX ca.XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Mortgage (Conventional fixed mortgage) with UNITED MORTGAGE CORP (NY).
Issue: Settlement process and costs

Complaint: This company lied to me about including my escrow in my mortgage despite verbal consent by the mortgage provider that I was not going to have the mortgage and property taxes included in escrow. When they said they were going to work on resolving the issue, instead they sold my mortgage to another bank with the escrow. Then XXXX said he would refinance me at no charge to remedy the situation, yet, after that, he stopped responding to any calls or attempts to communicate with him. This company is deceitful and misleading, and promises things that they do not hold up.

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 03/27/2017 about Credit reporting () with The CBE Group, Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The CBE Group is reporting an account on my credit that is invalid. There is no contract associated with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: A XXXX XXXX Tax Lien appears on my credit report however, the court document for the tax lien, provided by the Clerk of Superior Court for XXXX County, GA, contains both inaccurate and incomplete information. Per the National Consumer Assistance Plan ( NCAP ), all state tax liens must include the following information in order to be reported by the credit bureaus : ( 1 ) Full Name ; ( 2 ) Address ; and ( 3 ) Full Social Security Number and / or Date of Birth.
The XXXX XXXX court document associated with the lien reported by the credit bureau ( 1 ) contains an address at which I have never lived ; ( 2 ) contains only the last 4-digits of a social security number, as opposed to the full social security number ; and ( 3 ) no date of birth is noted. A copy of the aforementioned document has been included in this CFPB filing, for review.

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 02/15/2018 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Other service problem

Complaint: on XX/XX/2018 Moneygram stated that my online account had been locked out due to activity. I was told by moneygram that i should visit a moneygram location personally and i could send money. Unfortunately even attempting to send money at a physical location i was unable to send money ( local XXXX ) to a family member. 

I would like moneygram to unlock my account so i can continue to send money to XXXX family and friends.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is reporting to Equifax and XXXX as current 120 and 180 days delq for an account that was charged off in XXXX for both of us- XXXX . XXXX XXXX has already removed the derogatory item all together. XXXX is dropping our credit scores by XXXX points based on these consistent lates for years. We demand they fix their reporting right away. We have complete 4 rounds of dispute letters to both Equifax and XXXX and have attempted several CFPB complaints and to date we still have not received any assistance or resolution. We demand CFPB steps in and gets this fixed right away.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Lending Solutions Mortgage/ LSI Mortgage (MD).
Issue: Credit decision / Underwriting

Complaint: XXXX months after refinancing my home with LSI Mtg Plus, I was promised, in writing, that my mortgage rate would decline from 3.625 % to 3.04 %. Not only did this not happen but I had to pay {$450.00} for a XXXX appraisal and {$100.00} in added court documentation. 
See email below - XXXX From : XXXX XXXX [ mailto : XXXXXXXXXXXX ] Sent : Tuesday, XXXX XXXX, 2015 XXXX To : XXXX XXXX Cc : XXXXXXXXXXXX Subject : RE : eDisclosure from LSI Mortgage Plus - XXXX OK - please reconfirm though - we will be getting a 3.04 % in 6 mos. and we do not have to go through this arduous process again? Yes?? 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Correct. Streamline process will eliminate the need for the appraisal and tedious process we have overcome. 
This has been quite the process. 
Best Regards, XXXX XXXX XXXX Senior Finance Manager LSI Mortgage Plus | Lending Solutions Inc. 
A XXXX Preferred Partner Direct Line : ( XXXX ) XXXX Secure Fax : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX ext. XXXX Federal XXXX ID XXXX | Lending Solutions, Inc XXXX XXXX Lending Solutions Inc. is ranked # XXXX on the XXXX XXXX XXXX for exclusive products, rates and customer service. 
XXXX I WANT THE 3.04 % RATE PROMISED

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Rushmore is denying a short sale that we have had in process for 60 days before the foreclosure date. They never did an interior appraisal. They only did a drive by one and gave it an unfair market vlaue. We provided pictures, comparables, and a detailed explanation for why their value was too high. We even got an ALL cash buyer to take on the responsibilty of fixing the home to avoid foreclosure. Now they are transferrign the loan to XXXX Mortgage. But the foreclosure will take place before the transfer. We need help.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My credit file was pulled over 15 times by XXXX XXXX without my permission or knowledge. These inquiries had lowered my credit score by over 100 points and as a result, my credit card were canceled and closed. At that time, all my credit account were paid and on time and paid as agreed.

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 10/31/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Enova International, Inc. (VA).
Issue: Charged fees or interest you didn't expect

Complaint: XXXX XXXX is not licensed to do business in the state of Virginia.
Under Virginia law, no loan is valid if more than 12 % APR interest is charged unless it meets a specific statutory exception to the 12 % cap.
Licensed Virginia consumer finance companies may charge m ore
than 12 % interest but NO internet lenders are licensed as a consumer finance company in Virginia. 

Internet installment loans dont meet any of the exceptions in the statutes so they are null and void if they charge more than 12 % APR. If a lender who is not exempt from the Consumer Finance Act and has not obtained a Consumer Finance license makes a loan for more than 12 % APR, the loan is null and void and the lender is not entitled to collect any principal, interest or charge whatsoever on the loan. 

Given this information and the outstanding fees I have paid in interest, this account should be closed, marked as paid and removed from my credit report. 

Additionally, XXXX XXXX XXXX XXXX, should stop leaving voice mails on a shared mailbox regarding a " breach of contract '' with XXXX XXXX Immediately. They can be reached at : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX ) XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Millco Management (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX Is reporting negative information on all of my credit bureau reports. This account was paid to the original creditor by my insurance company and should never have been placed on collection and never be reported on my credit files. When I contacted XXXX XXXX they promised me that the accounts would be removed and nothing negative should be reporting on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (I do not know) with Credit Protection Association, L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received calls almost daily for months from XXXX indicating that they are attempting to collect a debt for XXXX XXXX ( this is not me ), and to call XXXX to be removed. I have dialed this number and followed the instructions at least 10 times with no resolution. I called XXXX to " resolve the debt '' so I could speak to a person at least 3 times to indicate that I 'm not XXXX XXXX, and to remove me. They will not stop calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Other debt) with Collection Consultants of California (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, as Collection Consultants have sent me a bill with a different address than my own from XXXX. The bill also had a name I do not know and am not associated with. The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and XXXX and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. According to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: The interest rate on my loan more than doubled during Navient 's handling of my loan. Interest was charged incorrectly and payment status needs to be corrected. I would like a refund of overcharging for interest payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (NY).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: Please read company 's false response before I dispute In his complaint with your office, XXXX. XXXX states that two incidents reported by LexisNexis dated XX/XX/XXXX and XX/XX/XXXX are incorrect and are impacting his insurance premiums. In response to XXXX XXXX complaint, LexisNexis searched our systems using XXXX XXXX name and address as provided in his complaint and located two reports a XXXX . Auto report and a Motor Vehicle Record ( MVR ) report provided to XXXX XXXX insurance carrier, XXXX XXXX. On XXXX XXXX MVR report, LexisNexis located a moving violation issued on XX/XX/XXXX, with a conviction date of XX/XX/XXXX, which we believe to be one of the incidents XXXX XXXX is disputing. On XXXX XXXX XXXX . Auto report, LexisNexis located a claim dated XX/XX/XXXX,  which XXXX XXXX states is incorrectly reporting as at fault.
Page 2 XXXX In an effort to resolve XXXX XXXX concerns, LexisNexis initiated a dispute of the claim dated XX/XX/XXXX listed on his XXXX .  Auto report. During our reinvestigation of the claim dated XX/XX/XXXX listed on XXXX XXXX XXXX . Auto report, XXXX XXXX XXXX verified that XXXX XXXX was the named insured and the vehicle operator for the claim in question, and that the claim is a personal injury claim from being rear-ended. Please note that there is no fault assigned to this claim. Given this verification, LexisNexis is unable to remove the disputed claim from the XXXX  . database.
In regards to the moving violation issued XX/XX/XXXX for use of a mobile telephone while operating a motor vehicle, which has a conviction date of XX/XX/XXXX, the MVR obtained on behalf of XXXX XXXX was provided by the government agency of the state that maintains driver history information ( e.g., Department of Motor Vehicles, Department of Public Safety, or Secretary of State ). LexisNexis obtains MVRs from the appropriate government agency, standardizes the information, and forwards the information to the company requesting the record.
LexisNexis does not have the ability to change the substance of the information contained in the MVR other than to verify that the information is correctly standardized. The state in which XXXX XXXX is licensed to drive has the responsibility of maintaining his driving record. If he identifies errors in his MVR,  he must first contact the appropriate government agency in the state in which he is licensed to confirm the accuracy of their data.
If XXXX XXXX has any further questions for LexisNexis, please have him contact the LexisNexis Consumer Center via email at XXXX or by phone at XXXX-XXXX-XXXX. The LexisNexis Consumer Center 's hours of operation are Monday - Friday from XXXX XXXX to XXXX XXXX Eastern Time.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I received a response back from Equifax stating that the comments were removed from my file but that is not the case. The XXXX account on my credit report was put back into dispute and the comments were put back on my file as of XXXX/XXXX/2016. I have had numerous problems with this account and would like the account deleted and removed from my credit report. I am attaching proof and evidence that the disputes were put back on my account and that this is illegal and should not be ok. I would like Equifax to delete this account and investigate XXXX because this should not happen

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am a authorized third party on my moms account. i have made her mortgage payments for over the last 2 years. my computer updated tonight and needed to verify it was an authorized computer. I called the help number given on the website, confirmed that i am on all account and asked for the confirmation code to make the payment. i was told that they could not help me as a authorized third party with this issue. I offered to confirm my information as long as hers. But ulitimaly was denied. As an authorized third party I should have access to all information.

Company response to consumer: Closed with monetary relief