milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I had of funds of {$75.00} on my account I spent only about {$20.00} then I 'm told my account is - {$56.00}, then I had {$1.00} in my savings that was used as Overdraft protection, just so they can charge me an amount of {$35.00} for overdraft fees.

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 07/31/2016 about Student loan (Federal student loan servicing) with MOHELA (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: DEPARTMENT OF EDUCATION ASPIRE RESOURCE IS REPORTING AN ACCOUNT THAT THEY NO LONGER SERVICE AND OTHERWISE TRANSFERRED TO ANOTHER LOAN SERVICING COMPANY AS A NEGATIVE ACCOUNT ON MY CREDIT REPORTS ( XXXX, XXXX AND 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 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted the the card companies as well as the credit agencies. Ive been dealing with Identity theft for over t he last two y ears. There are  XXXX  credit cards that were opened that I did not authorize and they are using my correct social security number but incorrect date of birth. I would like for these credit cards to be removed from credit report.     1.  XXXX     XXXX   XXXX   ( OPENED DATE  XXXX / XXXX / 2016  )  2.   XXXX   XXXX   XXXX   XXXX   XXXX   ) ( O PENED DATE  XXXX / 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 10/27/2016 about Mortgage (FHA mortgage) with Specialized Loan Servicing LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Specialzed loan servicing refused to modify my loan # XXXX, and placed my home on the foreclosure sale list for XX/XX/XXXX .XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX , XXXX XXXX did not validate the debt nor did SPECIALIZED LOAN SERVICING. I ALSO sent a letter to XXXX as for proof of claim. SPECIALIZED LOAN SERVICING has fail to respond to a QWR I Mailed XX/XX/2016 to XXXX XXXX XXXX # XXXX XXXX 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 07/27/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: A refinance was done multiple times in XX/XX/XXXX the owner being a XXXX man with a set income since XX/XX/XXXX was preyed upon and given a refinance over and above his income capabilities. We have modified this loan 3xs with XXXX and once again recently with Caliber Home Loans. Only to find out in the fine print its modified to a interest only loan. Nothing is ever disclosed to us. We were struggling and a post card was sent to us that we had a law suit with XXXX and needed to hire XXXX out in XXXX XXXX. We stopped our payments to XXXX it cost {$5000.00}. up front and XXXX a month for on going legal fees only to be told in order to get our modification we had to release XXXX from its obligations We now are paying a trial payment to Caliber and received nothing from the law suit nor the Real Estate law Center.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I WAS OFFERED ALOAN MODIFICATION BUT IT JUST STATED A PAYMENT .I REQUESTED SPECIFICS SUCH AS AGGRAGATE BALANC EFINANCED, INTREST RATE, BREAKDOWN OF THE PAYMY AS IT RELATES TO ESCROWS AND PRINCIPLE AN INTREST IN WRITING NOTHING HAS BEEN RECEIVED AS A REPLY TO DATE XXXX XXXX AT CITIMORTGE REFUSES IN HIS OBSTNATE WAY TO PROVIDE INFORMATION ON SPECIFICS .HOW CAN CITI EXPECT A BORROWER TO SIGN ON BLINDLY AND MAKE PAYMENT WITHOUT KNOWING SPECIFICS.XXXX XXXX NEEDS TO BE REMOVED FORM XXXX AND SOMEONE WHO OS SERIOUS ABOUT HOMEOWNER PRESERVATION .HE STATED THEIR WAS NO LETTER OF AUTHORIZATION ON FILE WHEN THERE WAS AS IT RELATES TO MY SPUSE SPEAKING ON ACCOUNT .CITIMORTGE IS HINDERING THIS MODIFICATION AND HASTENING FORECLOSURE LIKE THEY ALWAYS WANTED

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have asked on numerous occasions for my address and Name be corrected on my Credit reporting account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Problem with fraud alerts or security freezes

Complaint: After I called, everyday its a new inquiry on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Mortgage (Conventional home mortgage) with Stearns Ventures, LLC (GA).
Issue: Trouble during payment process

Complaint: My LPMI was not removed by my home mortgage lender, Stearns Lending, even after I submitted a written request when my LTV was under 80 %. My LTV is now under 78 % and they still have not removed my LPMI. 

On XX/XX/XXXX, I mailed a written request to Stearns Lending requesting that my LPMI be removed. My LTV for my 15 year mortgage had fallen below 80 % on XX/XX/XXXX. I also emailed Stearns Lending through their website. I received no response to any communications. 

On XX/XX/XXXX, my loan fell below 78 % LTV. However, the LPMI was not removed automatically. Nor was it removed on XX/XX/XXXX. 

I have not missed or been late on any payments and my account is on auto-pay.

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 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
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: On XX/XX/XXXX/17 I filed a dispute with Experian about a credit card that showed up on my credit report that I 've never had nor applied for from XXXX XXXX XXXX in Delaware. Simultaneously I filed a complaint about the same card with XXXX. XXXX promptly deleted the account from my credit report. Experian however has not deleted this credit card from my account after emailing me that they had " resolved '' this issue claiming in effect that this card belongs in my credit history.

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 08-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: American Express increased my rate on my card ( a/c XXXX ) from the regular rate of 10.99 % to the default rate of 29.99 % due to a one-time, 2-day late payment. My understanding of the Credit Card Act 2009 ( Sec 171 ) is that default interest is supposed to only be charged after the payment is 60 days late. I believe that they are not acting within the Federal Laws applicable to the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/23/2015 about Debt collection (I do not know) with NRA Group, LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Calls routinely trying to contact my son. They have been told with every contact that my son is imprisoned and not available at my residence or at my telephone. They state that my number will be removed. The calls have continued for 11 months. Please make them leave me alone.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 12/20/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I am not able to access my bank account. I received a letter from XXXX that says I owe {$1800.00}. I was a victim of check and bank fraud. I was away at school and a guy I knew said his brother was sending him money but he did n't have a bank account so he asked if the money could be wired to my account. I agreed because I did n't know the guy was scamming me. I never saw a check or signed a check. I just withdrew the money out once I saw that it had posted to my account. I thought that because it posted and showed available that it was ok to take out. Once I took the money out I turned it over to the guy and he gave me {$500.00}. I still did n't think anything of it. I thought I was helping someone out in need. I found out later that this happens to college students all the time and that I should have been smarter. I think this guy came after me on purpose because I lost my wallet with all my ID and other personal information in it. I believe he found my wallet. Please let me know how to clear this up?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Dear Transunion : This letter is a formal request to remove unauthorized inquiries from my credit report. 
I 've listed the unauthorized inquiries below. Also a result of the current breach, I believe my information has been compromised. Please remove the following inquiries from my credit report. 
Creditor : XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX; XX/XX/XXXX Please note  that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. 
Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ) XXXX. 
Sincerely, Signature XXXX XXXX SSN XXXX DOB XX/XX/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 07-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with JH Portfolio Debt Equities, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Retaliatory conduct must be celebrated amongst credit collection agencies and credit bureaus, because here we go again ... A said XXXX agency has been contacting me but could never articulate the purpose for their call. The agents actually stated each time they called that they could n't find any information for me under my name or telephone, and that only a direct call system was processing the call. What is wrong with commerce today? So as it were, I filed a complaint against this company for harassing calls and markedly having no information to even justify their calls. They responded to the CFPB complaint and stated again ( exactly what I 've stated ) that they had no information to verify or connect me with any particular account and now claimed to have several accounts associated with a business name, XXXX XXXX XXXX. They still did not upload any documents to give record of any purported debt for me or the corporation. I disputed their response and spoke directly to the absurdity of the same. I just received a notification on today that a collection account for {$320.00} from XXXX has been reported by XXXX XXXX to evidently all XXXX bureaus. I guess this is the next logical step for a tortfeasor who has absolutely no regard for the FCRA or any law or ethics. Is this the trick? A person establishes near excellent credit and then purported collectors come out of the wood work to harass customers who have relieved themselves of " would-be bad credit '' status ... it 's like kindergarten for commerce ... I tell you directly as well in the regard of any said XXXX debt ... they should probably revisit this reporting of delinquency because I 've been with XXXX Insurance for quite some time, and quite frankly XXXX refused to extend me full coverage for my vehicle, which is required because I have financing ... so this is really not the road best for them to pursue.

Company response to consumer: Closed
Consumer complaint received 01/13/2017 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Younomics ( University Accounting Services ), a private loan servicing company, has reported my student loan in default for over 12 months. I am XXXX and have requested a deferment from the company. The company will not state the reason why it will not defer my loan. I did not originally receive the loan from Younomics and I suppose the loan was sold them for servicing. The default is hurting my credit and ruining my chances to purchase a car, home and other essentials. The company has harassed me on several occasions with threatening phone calls and letters. I have disputed the matter with my credit report, stating I 'm in-school and should be shown as " payment deferred '' however, the company has refused to indicate why I can not receive a deferment or other deferred payment options.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (NY).
Issue: Managing the loan or lease

Complaint: To whom it may concernI 'm writing you today about my horrific treatment by Westlake financial services, I purchased a XXXX Mitsubishi endeavor at a dealer XXXX XXXX XXXX. in XXXX XXXX in XXXX 2015. I put done {$5000.00} on a {$7000.00} car, but for some reason Westlake just sent me a bill for over {$8000.00} not sure where they get that number from. On XXXX XXXX my car was repossessed because I was behind on payments due to me being furloughed from my job with the state of XXXX. I paid off the outstanding balance within 72 hours and wanted to get my car back. 
I was told by Westlake customer services that by paying the outstanding balance the car would be held in XXXX and would not go to auction. After I paid the balance I contacted Westlake customer services and they could n't locate the car, the car had been moved 4 times and was no longer located in XXXX State. It took Westlake customer services over a week to find the car, when they located the SUV it was in XXXX at an auction house. 
Westlake failed to send the release papers to the tow company which meant I could n't pick up the car and it took Westlake over a week or more of me calling everyday sometimes hourly for them to send the release papers. I contact Westlake customer services and got very little help and was transferred to other departments I asked to speak to a manager and was told " no '' rudely. I tried contacting their corporate headquarters and got no reply. 
The vendor/sub-contractor Westlake used to tow my car lost the plats to the car and I needed a notarized letter from Westlake stating that in order for me to get new plats for the car, Westlake customer services had me contact the towing company for the letter which they responded with no and stated that it 's not their policy to give notarized letters I then contacted Westlake again and was told someone would call me back. In addition, I found out that the SUV windows were left open and the inside now has water damage that needs to be fixed. I keep trying to contact someone in management at Westlake and all I 'm ever told is that someone will call me back which they never do. 
It 's now one month later and I still do not have the car back Westlake is demanding payment for the car but it 's in their possession. Due to this stress caused by Westlake I have miss days off from work and the stress has aggravated my medical issues. I would like to end my contract with this company as they are very unprofessional, rude, and they are predatory lenders. 
Reviews of Westlake online are negative and other people have had the same problems with Westlake as I have. Could you please help me bring a much needed resolution to this problem because Westlake will not respond to my calls or emails, my account number is XXXX. Thank youXXXX 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 10/23/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX submitted a removal request through XXXX for an account in collection. Equifax has yet to remove this collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/24/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX must be forthright, must be truthful, must not play games, you must answer this question, you must produce the documentation, you must " PROVE UP ''. 

Occ # XXXX -published Cfpb # XXXX Letter Dated XX/XX/2017 Chase sai the exact ; XXXX funding securitized the loan into a mortgage trust for which XXXX XXXX was the TRUSTEE. 

Prove up with documentation that XXXX XXXX was trustee of above said XXXX loan? 

DO NOT CONTACT CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XX/XX/XXXX : I called XXXX XXXX about refinancing a rental cottage. They told me my credit report showed house was discharged ( lost ) in a bankruptcy. So I can not refinance. Rep told me XXXX never reaffirmed that I was paying. 

I called XXXX mortgage. They say their Bankruptcy dept will look into it. I could call back in a few days to see if they 've done anything (!! ) I checked the 3 Credit Reports. All of them show the following incorrect information : 1. That my cottage mortgage to XXXX was discharged in bankruptcy and now was closed. 

TRUTH ; It was not discharged. While it was on the bankruptcy list, I missed 3 payments to XXXX. Judge allowed me to keep the property. XXXX transferred the note to XXXX, who has a debt service contract with them. XXXX assigned a new acct number. 
I paid the back payments and then made every monthly payment. 

After a year of making EVERY payment, XXXX transferred note back to XXXX. XXXX used the original loan number. 

HOWEVER, XXXX NEVER REAFFIRMED MY PAYMENTS. 

Sidebar : XXXX also did not pay the taxes due XX/XX/XXXX because they said a ) insufficient funds in escrow even though I had been assuming they were collecting tax funds needed and b ) XXXX county allowed them to pay in XX/XX/XXXX. Result : I did not get the XX/XX/XXXX tax credit for taxes paid! They should be closed for this incompetency. If insufficient funds, it was their fault. I paid the mortgage and escrow! 

2. My credit reports ( 3 ) state that my mortgage to XXXX was discharged in bankruptcy and then just listed as transferred. 

RESULT : IT APPEARS I LOST TWO HOUSES IN BANKRUPTCY WHEN I DID N'T LOSE ANY!

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (Payday loan debt) with PLDR (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: As of today at about XXXX XXXX I was contacted by a woman from XXXX  XXXX unit telling me that there was a case against me for fraud and some other charges. I was threatened with legal action if I did n't pay the debt as of TODAY. They also tried to get my credit and debit information over the phone and when I asked if they had a website they told me no and that if I didnt make a payment today then we could n't resolve the matter at all and they would move forward with legal action IMMEDIATELY.

Company response to consumer: Untimely response
Consumer complaint received 03/14/2018 about Mortgage (Other type of mortgage) with BMO HARRIS BANK NATIONAL ASSOCIATION (WI).
Issue: Closing on a mortgage

Complaint: As a first time homebuyer I applied for home loan with my Bank XXXX XXXX. The representative that I been working with first game me an verbal option of FHA or XXXX with 485 % interest rate and {$3200.00} closing cost with my current credit score of XXXX. I received the documents via mail to sign but the documents reflects a completely different information of what the representative told me in person. 
The documents for me to sign has 5.375 % interest rate for conventional loan the rate it is fix but not lock and closing cost it's over {$6000.00}. 
As a first time homebuyer I am not sure what to do so I reached out to my local homebuyer workshop coordinator and she suggested for me to contact you. 
Can you please help 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