milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Modified first loan with XXXX. I was told they would then modify my XXXX. XXXX sold the XXXX mortgage to Green Tree which now demands full payment of XXXX mortgage. Green Tree has entered into a temporary payment plan with us on the XXXX and demand full payment every XXXX months. The payment that we are making is XXXX times higher than the original loan payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Public records on credit reports are invaild and all three credit bureaus refuse to remove them ; they have not furnished me the source of where this invalid information is coming from and its all wrong the date filed, dismissed, amounts, reference numbers are all wrong ; I have request validation from court houses and was advised they do not valid public records for consumers or credit bureaus ; I have disputed this information and have not been processed correctly Child support should not be on reports at all and the bankruptcy isn't valid failure to remove will result in civil case such as Civil Case # : XXXX XXXX XXXX v. Equifax and child support violates Public Law 805-C3. need bankruptcy and all 3 child support accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I noticed on my credit report that it shows I have applied for credit accounts and cards. I have not applied for any credit in more than ten years. I have not authorized anyone to view my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX SHOWING AS OPEN ACCOUNT AND PAST DUE AMOUNT ON CREDIT REPORT. ACCOUNT WAS DISCHARGED IN BANKRUPTCY AND CLOSED. PROPERTY HAS SINCE BEEN SOLD AND NO LONGER IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: I initiated a wire transfer in the gross amount of {$10000.00} ( {$9900.00} net after fees ) to my XXXX XXXX checking account on XXXX XXXX, XXXX. A domestic wire transfer should typically be completed same day or next business day. It is currently XXXX XXXX, XXXX and I have not received my wire nor a response from Coinbase. I have not been able to pay my rent as a result and am facing eviction charges. Furthermore, Ive been charged several overdraft fees from my bank, and I can not see a doctor for a XXXX XXXX that I have developed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Payoff was made by bank in XXXX 2011. Original creditor did not credit to account until XXXX 2011, and assessed back interest and fees. Debt collection agency has been sent documentation on two different occasions and has just now sent statements- over a year after contact. This debt has been paid, and needs to be reflected as such.

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. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My credit report was shared without my permission. Equifax was hacked and my information was stolen. They are completely responsible for keeping my information private and safe. Credit bureaus force me to be responsible daily, and I feel they should be held to the same regard.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I am a wells fargo non escrow customer and In XXXX XXXX Wells Fargo contacted me via mail to state my property tax payment was in default. I stated to them I was paying my property tax using a payment plan with my county tax department and that I was not in default status. I presented wells fargo with all supporting documents to show that I was on time with my payment arrangement. They stated they understood and as long as if I continued with my payment arrangement they would not interfere. In XXXX XXXX I received notification that they made my account an escrow account paying past taxes which I was paying on a payment arrangement and the current tax payment for XXXX. When I called Wells Fargo the representative stated " we made your account an escrow account as a preventive measure so you would not go into default. '' At no time did any representatives from wells fargo ever call me to discuss my account status and to see if there was a action being taken against me. After many phone calls and debates I notified executive services of my complaint with their non escrow department and my financial hardship that I have now been placed under. This hardship that wells fargo placed on me by now demanding I pay back this money in 60 months and not allowing me to refinance or go through a loan modification stating I can afford the new payment due to my GROSS earnings has placed me to consider foreclosure and has made my family in crisis My original payment I was paying was XXXX wells fargo is now requesting me to pay XXXX. This is a XXXX increase. I have pleaded with wells fargo to review my finances using my net income and expenses and to allow me to have a conference call with their underwriter to discuss my loan status I was told no that that the underwriter is not available and that no representative would talk to me. I was informed to appeal my case and submit documentation explaining my situation. I stated to the representative that I am confused and really need to speak to someone. I also told the representative I have been a good customer never late on a payment and deserve the opportunity to speak to the underwriter. I also stated why would the bank not consider extending the payment of the escrow account owed so the payment could be more affordable. I am confused why they are unwilling to work with me and have me go into default. I also was informed if I pay my original amount of XXXX they would reject the payment amount. I can not express enough the emotional turmoil this bank has placed on me for a situation they had caused.

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 03-07-2018 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I called Barclays XXXX today regarding my multiple disputes on a inaccurate account that was due to fraud reporting on my credit being updated as accurate by Barclays. I have requested validation a copy of a signature or address these bills are being sent to I was told by the rep they couldn't help me they refused me any information even a account number, but they are reporting this on my credit as accurate? I asked them to delete this or provide me with the info requested. I was sent to 2 supervisors XXXX who couldn't help me, then XXXX who also refused to verify any information with me. but gave me a number to a collection agency. I am requesting this account removed from my credit immediately.

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 12-01-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NY).
Issue: Using a debit or ATM card

Complaint: In Paypal I have always set the currency conversion process to my VISA card so my card issuer will determine the foreign exchange rate to apply to my transactions. 
Lately, now just before XXXX, Paypal has began forcing users like me to only use their own currency conversion process.This scam began little by little for a about a year ago when this option who is still visible in paypal accounts was set inoperative was forced to pointing only to PayPal 's own conversion process option as default. To fix this scam without any notice whatsoever, only observant and awakened users has for the last year been able to change this option manually at payment transaction checkout ( manually for each transaction ). Lately, now just before XXXX, Paypal has also now began forcing users like me to only use their own currency conversion process, without any ways of changing it. I myself is a educated computer engineer and this easy task goes against everything I 've learned in programming. It is just not possible to make such small technical issue become so big and long time problem as it has become. And now the final evidence that this is a big scam came lately when Paypal removed all options to use my own VISA card issuer currency conversion process and point it only to PayPal 's own expensive conversion process. I lately contacted paypal again but they only mentioned that this is a technical issue and that they are still working on in spite they have had a whole year to do it now!!! and even when I know this should be very simple. Later the same day when I told them I was going to tell the world about this scam they reacted to send me som other hidden option that did not work eithe or would fix the problem!!! 
Here are the originale option who now it set inoperative in paypal XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Loan servicing, payments, escrow account

Complaint: We have been arguing with Bank of America over the balance due on our Mortgage for over Three ( 3 ) Years. They refuse to correct the errors and continue to assess unlawful charges and fees. Furthermore, we have a fixed rate and they send us a different amount to pay regularly.

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 Debt collection (I do not know) with Harris & Harris, Ltd. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: i do not have any debts but continue to get calls from " XXXX and XXXX XXXX XXXX. '' it is always a recorded call with a message to call them. this morning when i picked up the phone i did not say " hello '' which is when the recording normally begins. Instead i said " yes, '' and the call terminated. I am very concerned that this will be used in some incriminating way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: best buy / citi bank keep charging me small amounts after fully closing and paying off the card and cancelling the debt protection service. Account is closed, but yet still getting bills in the mail, and they are reporting us to the credit bureaus as late / missed payments. I have called multiple times and got the run around, telling me i need to call this other number to cancel something else, but its cancelled! them im told the account is closed and paid in full and should not get anymore bills and then surprise. this is hurting our credit and they cant get their stuff together over there!

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 03-06-2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Send credit bureau a letter informing them that I received a copy of my credit report. I asked that they send me copies that they have in their files as of this date that they used to verify the accuracy of the accounts below. My letter stated the following : Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their files at the time of the request concerning the accounts that they are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please Delete Them Immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness. Under the FCRA15 U.S.C 1681i, all Unverified Accounts Must Be Promptly Deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 
1. National account sys account number xxxx unverified account 2.XXXX account number XXXX Unverified account 3.XXXX Collection Agency Account number XXXX Unverified account *NOTE : Please remove all non account holding inquiries over 30 days old. 
I attached a copy of my social security card and drivers license and sent XXXX Certified Mail

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have no clue on a daily basis how much interest I owe currently, how much is supposed to go to principle when I make a payment, how much is going to go to interest, what my ending balance is minus my payment, and this is just my account on the website. It has NEVER showed me this information. My balance is on a different tab, the loan history is on a different tab, the payments never show the balance subtracted anywhere. I never have seen my calculated interest. Loan was changed to Navient in XX/XX/XXXX and I have n't known this information since XX/XX/XXXX. I wrote an angry email to them XX/XX/XXXX? about how unclear their statements are and NO ONE has payments and balances on different pages! No response to this. My payment to interest has been different every payment for 2 years along with my payment to the principle, and I have made over 24 payments along with extra large amounts to pay this off. My e-mails for over 6 months earlier this year ( during this time ), has said that no payment was expected until XX/XX/XXXX, because I had paid ahead. I spoke to Navient maybe in XX/XX/XXXX about this. My next email then said I owe $ 300+ because my income repayment has expired! After I talked to them! I do n't believe them at this time that I am signed up for the forgiveness program and I am into it for 2 years out of the 10.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (Medical) with R&R Professional Recovery, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: R & R claims I owe {$58.00} to XXXX. I spoke with them and they confirm my balance is XXXX. I had paid {$43.00} XX/XX/2015 making my balance XXXX $ R & R insists I should pay {$58.00} to them. I spent over an hour on the phone calling back and forth and got nowhere. They wo n't cancel the debt. PLEASE DO SOMETHING!

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am battling stage  XXXX   XXXX   XXXX . I was being cared for at  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  CA  XXXX . We have been receiving many bills which were incorrectly billed to the wrong insuranc e carrier e ven though every time we seek care at any of their facility, the first question we must answer is if our insurance has changed. Due to an employment change, our insurance had changed and the hospital as well as their doctor billing were informed by using their own process and providing them with our new cards. In addition, if we could not provides insurance, their policy is not to provide service.     We have been inundated with incorrect billing statements. Despite repeated phone calls and assurance from their representative "  XXXX  '', their incorrect billing was ultimately referred to a collection agency by the name of CMRE  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX  CA  XXXX .     I keep getting collection notices by which I answer by stating that until their billing is corrected, no one really know what is my part of the bill due. CMRE is beginning to use the tactic of resending the same collection notice immediately after the  XXXX  day cycle expires in an attempt of confusing us and by missing  XXXX  of their cycles will give them the opportunity of destroying our credit rating ( which is impeccable ).     All we have asked both from  XXXX   XXXX   XXXX   XXXX  and CMRE is to provide the accurate accounting instead of treating us like uninformed uneducated consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MS).
Issue: Managing the loan or lease

Complaint: XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I was looking over my paperwork, and saw how bad I am being cheated. This XXXX grand caravan, blue book value is XXXX, they got me owning XXXX. Mississippi rate should be 8 % they got this 11.20 %. They also told me I had money coming back off my old agreement he said I would get a check, I waiting about two weeks it did not come I called he said it went on your down payment. But it 's not in my paperwork. It was about XXXX dollars. I need help with this. My payment is XXXX, XXXX on van XXXX a month finance charge. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (AZ).
Issue: Trouble during payment process

Complaint: I have made extra principal only payments every month since  XXXX  of  2016  totaling {$21000.00}. Every mo nth U.S. Bank  posts the principal only payment as a irregular extra monthly mortgage payment instead of Principal O nly. U.S. Bank Home M ortgage headquartered at  XXXX   XXXX   XXXX ,  XXXX   XXXX , MO  XXXX  has provided me with a spread sheet showing the payments and how they were applied. The history shows a payment but NO reduction of the principal balance on  XXXX / XXXX / 16 ,  XXXX / XXXX / 16 ,  XXXX / XXXX / 16 ,  XXXX / XXXX / 16 .   I have contacte  d U.S. Bank mortgage department every month about their consistent errors but to date the issue continues.
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I am concerned that   the extra principal payments have not been applied properly resulting in additional interest expense to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hey there it 's been a live check cashed under the check was for my father XXXX everything on the check was his correct information except for the social security number was mines and he late paying it and they reporting it under my credit i called the company that the check was sent out to but they still have n't tried to fix the problem the place where check was cashed was called XXXX I was trying to see what I can do to get this problem fixed cause it 's not mines and it 's hurting my credit bad thanks

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (UT).
Issue: Struggling to pay mortgage

Complaint: The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit card () with BARCLAYS BANK DELAWARE (MD).
Issue: Closing/Cancelling account

Complaint: My BarclayCard XXXX XXXX MasterCard was shut down without notice around XXXX XXXX this year. I later received a letter about a week later indicating that a decision had been made to close my account. 

I did not engage in any sort of malicious or unethical behavior that led to this closure. However, I respect their authority to close at their discretion. 

My complaint lies in the fact that I had over XXXX Reward Miles accumulated on my account that was reset to XXXX upon the shutdown of the account. 

These points had already been earned legitimately and it is unfair to take these away as their value was in excess of {$1000.00} in travel rewards. Upon contacting Barclaycard 's customer service team, they indicated there was nothing they could do. So essentially Barclaycard is saying that it is completely within their right to take away any and all rewards points accumulated at any time they deem fit, which seems quite unethical and I am now out a significant amount of value for no just reason.

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