milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-07-2015 about Mortgage (Other mortgage) with PHH Mortgage Services Corporation (NY).
Issue: Application, originator, mortgage broker

Complaint: Applied for HARP through current mortgage company : PHH mortgage. Submitted all paperwork and an appraisal was completed by 3rd party suggested by mortgage company. The loan processor told us the underwriter said the pool has to be filled in because that 's what the appraisal indicated. However the appraisal did not say that. It actually stated the condition of the pool did not affect market value of the home. Prior to the appraisal being completed I disclosed the condition of the pool to the mortgage company when they asked if any part of the home was under construction. Anyhow, they are threatening to decline the loan because of the pool and/or not approving the appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Credit card) with KEYCORP (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX and XXXX have reported they verified by KEYBANK full account details. 

I am requesting full disclosure of dates and information shared with these companies

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Checking or savings account (Other banking product or service) with TD BANK US HOLDING COMPANY (MA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: It has been a week since most customers have been able to access their accounts online. PLEASE PLEASE tak a look at TD Bank 's XXXX feed, or XXXX XXXX XXXX. They refuse to even mention it on their website, continue calling it an intermittent outage when in fact it has been down for a week since they rolled out their new website. Phone calls are placed on hold for over an hour before you have to hang up. They tell you to Direct message them and then do not respond. How can anyone trust the security of this bank when they can not give us access. This is a huge widespread outage that they refuse to recognize and someone needs to step in, force them to roll back their site to a week ago. Please just take a look at the complaints. Should never happen, and their refusal to admit this is serious is reprehensible.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (PR).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX letters sent to the mortgage institution in order to request the money is available, according to the monthly loan statement, and they did n't answer it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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 repeatedly disputed and requested verification and validation of the debts listed below for over two years now. Experian has responded only with improper verification form letters that provide no backup  documentation or proof of this debt being mine. 
During this time, I have experienced the adverse results of your erroneous reporting, including denial of credit and housing, reduction and closure of credit lines, loss of property, near foreclosure, incurrence of usury interest charges, and emotional distress. To properly validate a debt by law, Experian must provide me with a copy of the original contract signed by and obligating me to this debt. If Experian can not provide such proof of debt validity, the account must be deleted form my report. Experian has negligently and willfully failed to properly investigate the disputed debts, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance. 

Acct Name Acct # Status XXXX XXXX XXXX .... Not Validated XXXX XXXX XXXX XXXX .... Not Validated XXXX XXXX XXXX XXXXXXXX XXXX .... Not Validated XXXX XXXX XXXX XXXX   XXXX .... Not Validated

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 04-07-2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: To Whom It May Concern : Be advised that this is not a refusal to pay, but notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding me to pay this debt. 



This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 



At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to reflect on my credit reports by your company, I will not hesitate to bring legal action against your company for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 



I am sure your legal staff would agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My identity have been stolen I 'm XXXX, My XXXX opened and applied for things in my name and ruined my credit, I cant even get out of XXXX XXXX XXXX XXXX help .This is making me XXXX and I really need this fixed I recently saw more inquirys on my credit and I need all these removed my XXXX is currently being investigated please help me fix this she recieves all my mail before I get it again I just need this fixed

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 07-06-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Other

Complaint: I am a cardholder with American Express for 12 years. My account has always been fully paid during that time and there have been no previous issues. Out of the blue, I get an email from them that my account is under financial review and that they will cancel it if I do n't respond within several days. There was no prior warning before this email. They also put an immediate hold on our cards, again without warning or explanation, for the length of the review process, which I was later informed could take up to 7 days. So in essence, no credit card use for up to 7 days without warning on a fully paid account in good standing. They also would provide no details about why the review was taking place, why it had to happen now and not at a time of mutual convenience, or why the card could n't be used during the review process. I was able to negotiate an " allowance '' to use the card up to a certain dollar amount, but the representative was very clear that this was unusual and normally the account would be totally locked until the process was complete. The call also took up an hour of my work day, between trying to get information from them that they would n't provide, insisting that they clearly explain the review process and its consequences ( which they would not do ), and answering their financial review questions over the phone. This does not include time spent filing papers with them to support the information I gave them. Again, all this would be potentially be normal if there was some warning, if the account remained useable, and if a reasonable timeframe were provided. As it is, I was under threat of losing my card if I did n't respond ASAP and the card was locked until I responded and until they confirm my information with the IRS. If I had been traveling or the like, all this would have happened without warning and without any opportunity to fix it. They seemed totally unconcerned with the idea that this practice could put their cardholders in serious jeopardy, not to mention the intense inconvenience. To reiterate, I am with American Express for 12 years without issue and they consider this type of action to be completely within their rights. 

Last point - Amex claims to have tried to reach me by phone before sending the attached email. No phone call or message was received by me or anyone else on the account. Even so, the lock was placed on the account at the beginning of the review process, irrespective of the phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: As of X/X/17 Equifax credit reporting had a massive data breach of potentially every user with a credit scores personal information including name, address, social security number, and date of birth. More than enough information to allow for identity theft of every user. After discovering the breach rather than immediately reporting they waited a week and executives sold stock in a blatant attempt at insider trading before the fallout of thge breach.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Mortgage (FHA mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY).
Issue: Struggling to pay mortgage

Complaint: Rushmore took over my servicing I have tried to contact them requesting loan modification packets and get letters making offers for short sale or them giving me money to move out but NO INFORMATION ON A LOAN MODIFICATION. I believe they are stalling until the sale is complete next week.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX account is a charge-off and information was SOLD to someone else.

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 04/26/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: In  XXXX / XXXX / 17  I made mobile deposit of my pay check {$620.00} which it told me would be available on  XXXX / XXXX / 17 . I later got a email saying {$420.00} was being withheld until  XXXX / XXXX /   17  due to overdrafts in the past 6 months. Firstly the did not give me access to the {$200.00} until  XXXX / XXXX /   17  after I called to inquire about it. As of  XXXX / XXXX / 17  it shows the full check being deposited as of  XXXX / XXXX / 17 . I think it is very wrong for me to be charged {$100.00} in overdraft fees for money they held just to be nasty. It usually takes the bank  2-5 da ys to receive payment for cashed check not 11 days. I do n't feel I should be penalized for this. The check deposited covered charges made and I believe I should be refunded {$100.00} that was charged in fees. The bank statement is showing {$620.00} as being deposited on  XXXX / XXXX / 17 . I should be refunded {$100.00}.

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 09/19/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I have a consolidation loan in normal repayment with loan servicer Great Lakes XXXX XXXX XXXX XXXX XXXX. I 've paid ahead on the level repayment plan, more than twice the minimum payment due each month, since loan inception. 
I have an automatic payment setup with direct draft from my checking account and this method has been in place as long this account has been in repayment. As a result I 've been entitled to an interest rate reduction of .025 % APR. 
In XX/XX/XXXX 2017 I had to change the payment date on this automatic draft and I was directed to suspend the automatic payment as the only way to achieve this outcome. I made the minimum payment due for XX/XX/XXXX and changed the withdraw date ( changed from the XX/XX/XXXX of each calendar month to the XX/XX/XXXX ) one week later than it had been, previously. 
Due to the suspension of automatic payment, which was resumed for the next month 's repayment, I lost the .025 % apr interest rate reduction. 
Automatic payments were resumed less than a week after the initial contact made to change the date of withdraw. The loan servicer has not confirmed the discounted interest rate has been reinstated after re enrolling in automatic repayments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Credit decision / Underwriting

Complaint: I purchased this home as my principle resident in XXXX with another lender, shortly after closing Ocwen became the servers of the note. In XXXX XXXX I made arrangements to pay my XXXX tax in monthly payments of {$260.00} with the Tax Assessor office. Later I get this notice from Ocwen that they have paid my tax for XXXX and XXXX. I told Ocwen of my payment arrangement and that my XXXX tax was not due. They created an escrow account to pay my tax and ins. I never had an escrow account during the life of this account. My mortgage payments went from XXXX.to XXXX in a pass due notice date XXXX/XXXX/XXXX. I never stop making my monthly payments of XXXX. Each time I would may a payment they would suspense the payment instead of applying to the loan. Ocwen called me about this late payment I paid over the phone and again on line thru my on line banking resorting in an over payment in XX/XX/XXXX. The record show I send my XX/XX/XXXX payment on XX/XX/XXXX Ocwen rec 'd on XX/XX/XXXX.. My current statement dated XXXX/XXXX/XXXX show an increase in payment from {$670.00} to $ XXXX.due to an interest increase from 6.60200 % to 7.25000 % with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I received a call from lender trying to set up a payment for me to pay my private loan that went into default. When they told me the balance i asked about the interest rate and the interest was sky high. I borrowed XXXX and at this time its currently XXXX. Its amost impossible for me to repay this loan back soley because of the interest that accumulated. I tried to get more specifics on the loan and was unable to get them to give me clear answers or any information for that matter. I asked about getting a lower interest rate and the only options they gave me where to do a payoff or settlement. I cant see this loan ever been payed off and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit card () with WELLS FARGO & COMPANY (PA).
Issue: Unsolicited issuance of credit card

Complaint: In  XXXX  of  XXXX , I went to the  XXXX , Pennsylvania branch o f Wells Fargo B ank to address a concern about my ex-wife 's name still being on an account used to pay my mortgage each month. At that time, branch manager suggested I open a new checking account, in my name only, as a solution to this problem. The next day I returned to actually open that new checking account, and the manager then offered me a credit card account as well. When I asked some questions and found out there would be fees attached to these accounts, I declined to open either a new checking account or a credit card account, and left without opening any accounts.     On  XXXX   XXXX ,  XXXX , I received a phone call from a debt collector saying I owed money on a personal credit card account I had with  Wells Fargo. I  responded that I did n't have any such account, but right after the phone call, I went to the  XXXX , Pennsylvania branch of  Wells Fargo  to find out what was going on, and whether this might relate to my business account wit h Wells Fargo. The  bank assured me that the debt did not relate to my business account, but instead related to a personal credit card they insisted I had opened.     Even though I never received a personal credit card from  Wells Fargo, n ever received any statements and never made any charges,  Wells Fargo ul timately informed me that I had {$28.00} in unpaid annual fees. This is after my wife had put a bid in on a house, and after that bid was accepted, I also learned that  Wells Fargo r eported this supposed delinquency to the major credit reporting agencies, which dropped my  credit score f rom roughly  XXXX  to roughly  XXXX . As a result of this huge dro p in credit score, we lo st financing for the house, and lost the opportunity to reduce our monthly home ownership costs ( including mortgage, taxes and HO insurance ) from {$3800.00} per month to {$1700.00} per month. For the foreseeable future, I am losing {$2100.00} per month as a result  of Wells Fargo 's  conduct in opening a credit card account in my name and charging me fees without ever even letting me know they had opened a credit account in my name.      Wells Fargo has  opened a case number for my complaint, and it has submitted requests to  XXXX ,  XXXX   XXXX ,  XXXX  and  XXXX  to remove this alleged credit card delinquency from my name. But the damage is done, and Wells Fargo has not offered any significant compensation for the damage they have caused 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 monetary relief
Consumer complaint received 08-07-2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have applied for my XXXX credit report. I was told I had to send information to show who I was. I provided my state id and social. I have yet to receive my credit report. I did get a letter from the agency again asking for the same information

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 06-06-2016 about Debt collection (I do not know) with North Shore Agency, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep receiving the same bill in the mail stating I owe {$49.00} for a coin I never ordered or received. I am unsure what this company is and I differently am not sending in money for something I did not order. I do n't even have a interest in a coin or anything this company is selling as I do not even know who they are. I have received multiple letters saying -This is unacceptable! - and that they are putting it in collection which goes on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Closing/Cancelling account

Complaint: Kohl 's Department Store closed my credit card account due to inactivity without properly notifying me and they reported it to the credit bureau and as a result it has negatively affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 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: Public record information inaccurate

Complaint: Received a reply from experian today that the information will remain the same nothing was verified at all. Have reports from the bankruptcy itself stating that they do not report to credit agencies. To Whom It May Co ncern : I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing a Bankruptcy in I do not have a Tax Lien or Bankruptcy. ( UNITED STATES BANKRUPTCY COURT DISTRICT Fl XXXX XXXX ) does not report ( type of file - Tax Lien or Bankruptcy ) to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. A Bankruputcy filing is public information. Again, ( UNITED STATES BANKRUPTCY COURT DISTRICT FL XXXX XXXX ) does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. ( CB Name- XXXX, XXXX, Experian ) has found information on ( type of file - Tax Lien or Bankruptcy )  through third party research. Please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking { {$5000.00} } in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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