milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: This is in reference to my ongoing dispute with bank of America case number XXXX. A resolution specialist named XXXX left me a voicemail to return her call. On XX/XX/2016, I left her XXXX voicemails before she returned my call. She said she will " INVESTIGATE '' and she will call me back on XX/XX/2016 which she never did. During the conversation, I asked her for written correspondence instead for her " findings '' and SHE REFUSED. She refused to mail, email or fax as a form of correspondence, she said she will call, maybe to avoid incriminating herself in writing. She attached a document, a letter dated XX/XX/2016 a letter which was supposedly have been mailed to me which I have never received. Today is XX/XX/2016, and I presume that letter was written and attached to my ongoing case for the sole purpose of showing she " responded ''.

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 05-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: This is not a specific complaint about any XXXX of the credit bureaus. It is a comment about the process of getting the free annual credit reports that federal law mandates. I tried to get my free annual credit report from XXXX on XXXX/XXXX/XXXX. I went through the process and ended up with zero reports. The issue is with the identify verification process that each credit bureau uses in order to verify who you are and issue your report. They use obscure pieces of information from your past credit history because supposedly " you would be the only XXXX to know that kind of information ''. Each bureau asks XXXX or XXXX questions. That is XXXX or more obscure questions that you have to get right in order to get your reports. Anyone in their XXXX like me with 30 years of financial history has probably gone through a number of car loans, at least a couple of mortgages and a whole bunch of credit cards and store cards. How am I supposed to answer questions like which credit card or store card I opened an account with in XXXX? I keep meticulous records and yet I can not answer that question. After completing the process I had the distinct impression that it was more difficult than it had to be on purpose. I can only speculate about the motives behind such a decision but the end result is that fewer people get the free reports that they are entitled to. Now, instead of being able to do the request online, I have to call each credit bureau and answer the same kind of obscure questions over the phone. If thousands of financial institutions can confirm your identity without asking you to remember the monthly amount of your mortgage from XXXX, then the credit bureaus can certainly do the same thing.

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 09/28/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Account opening, closing, or management

Complaint: Over 7 months ago or close to a year ago I closed my account in Wellsfargo. My reasoning for closing my account was because I was charged unknowingly monthly fees for my account, my account activity was note documented in a timely manner which lead to negative balances and additional charges. I felt as if Wellsfargo does not value its customers. Since I bank with other banking institutes I can determine the difference in how a customer should be treatment and the difference in the produces they offer. They fees I was charged I do not receive from other banks. So, I felt no remorse when I decided to close my account with Wellsfago. 
In the meantime since I have closed my account ; I am still receiving bank statements as if it was never closed my account. I thought the bank statements I was receiving would eventually stop coming and I never thought anything of the statements until I recently heard of the Wellsfargo account scandal. Therefore, I want to know if I am a victim of the Wellsfargo account fraud?

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 08/24/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My loan servicer is FedLoan Servicing and I am enrolled in the Public Service Loan Forgiveness ( PSLF ) Plan. My qualifying employment has been certified with FedLoan since XXXX of XXXX. In XXXX XXXX, I received a re-certification from FedLoan Servicing that showed the number of qualifying payments I have made. This number did not match the number I have made since the beginning of my qualifying employment, nor did it show the actual beginning date that I was first certified by FedLoan Servicing as having qualifying employment under the PSLF Plan. 

I contacted FedLoan for an explanation and they told me that they would send me a document detailing each payment I have made since the beginning of my qualifying employment, whether or not it qualified under the PSLF Plan and why or why not. I have not received that document.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (IA).
Issue: Loan servicing, payments, escrow account

Complaint: Hello. 
I recently contacted my mortgage company - Freedom Mortgage - regarding requesting removal of PMI from my mortgage. In the letter XXXX SEE ATTACHMENT ), I advised that my current outstanding principal on my loan is {$210000.00} ( As of XX/XX/XXXX, the loan balance is : {$210000.00} ) ( SEE ATTACHMENT ), and that the 2016 value of my residence, as determined by XXXX office, and that which I pay taxes on, is {$270000.00} ( SEE ATTACHMENT ). I provided the attachments as proof. I showed that {$270000.00} x 80 % = {$220000.00}, and therefore I had over XXXX % equity in my home, based upon the loan to value ratio of the home. {$220000.00} ( 80 % ) & gt ; {$210000.00} XXXX Amount owed on my mortgage ). The figure was based fully upon assessor appraisals and includes XXXX done to the home. 
I received a letter ( SEE ATTACHMENT ) back from Freedom Mortgage that advised that if the home loan was between XXXX and XXXX years, which mine is, I had to have a Loan-to-Current-Value ratio of 75 %. I am not a high risk lender, and I have never missed or been late on a payment on my mortgage. I even pay early and every XXXX weeks. I am also just over 3 years into my current mortgage. 
I do n't know why they are telling me I need XXXX % home to value ratio, when everything says I can request cancellation at XXXX %? I feel as if I am being taken advantage of by Freedom Mortgage. In addition, Freedom Mortgage indicated they only accept appraisals from one vendor - XXXX. I do n't understand how the mortgage company 's XXXX vendor can be unbiased when conducting an appraisal? 
Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Negative info is about an account with XXXX which I never open never asked and never sign a contract with them and I never used their service. The amount is $ XXXXXXXX negative is about an utility bill for {$68.00} for a rental that I never received and I payed after I find this in my credit report.Ater the payment I ask the collection agency to change the info in the credit report and mention that was a mistake as a result of miscommunication. 
They refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit card () with DISCOVER BANK (NY).
Issue: Cash advance

Complaint: DISCOVER card member since XXXX. Paid off balance after about 5 years. Restarted using card thereafter. Failed to notice exact time we were receiving double charges for " purchases '' and " cash advances ''. We have never used any credit card for cash advances. Contacted DISCOVER numerous times throughout the years, received no satisfaction, only excuses. Early this year XXXX XXXX ), we were finally notified to contact their Fraud division. In telephone conversations, Discover Fraud found in our favor and sent us a letter stating so. No remedies have been applied to our account despite the letter. 
Unfortunately for us, we do not have the original account bill when/where the error first occurred. We believe it to be an encoding error that has cost us literally XXXX in interest charges. We have complained to Discover representatives on numerous occasions to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: discharged from bankruptcy XXXX 2015 I have paid my mortgage every month. Mortgage company sold my loan to another and new company saying I owe XXXX or will foreclose on my by XXXX XXXX. I provided proof of my mortgage payments still they persist that my account is delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX   XXXX  and  XXXX   XXXX  for some odd reason a company named  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  had  XXXX  inquiries on my credit report without my consent. I did not authorize this or sign any application and if they said I did I would like for them to provide me proof.

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 07/15/2015 about Mortgage (Conventional fixed mortgage) with United Shore Financial Services, LLC (CT).
Issue: Settlement process and costs

Complaint: I contacted mortgage broker XXXX XXXX, XXXX with XXXX in XXXX of 2015 to get a mortgage pre-qualification to begin shopping for houses. When we found a house that we loved and made an offer in early XXXX we requested a closing date of XXXX XXXX in the offer based on what XXXX indicated would be a reasonable amount of time to secure the mortgage. On XXXX XXXX I went to XXXX 's office to sign all of the application paperwork and asked again if we would be on track for a XXXX XXXX closing and was told that we should be OK. I was asked for various documents along the way and always responded quickly, normally the same day. I followed up a few times about the date since I was planning to secure friends to assist with the move and we were selling the existing house that we were living in the following week. On XXXX XXXX I received a conditional commitment and was told that we still looked good for a XXXX XXXX closing but they just need to tie up a couple things. The issue came on XXXX XXXX, I sent an email asking for a status at XXXX XXXX and received the following response at XXXX : " We got all of the conditions related to you cleared ; however there is a condition related to the appraisal which should have been cleared by the appraiser earlier this week ( basically, an " explain why you did XXXX on comp # XXXX '' type question ), which the appraiser did not take care of before leaving on vacation for this week. We are requesting " backup '' to see if the appraisal management firm can fill in for him on it, but since it 's an explanation of a judgement call I ca n't say for certain whether than can be cleared before next Monday. So that makes it likely that your closing gets pushed to the middle or end of next week. " Basically I was told about one full business day prior to the date I was supposed to close that it could not happen. I had time scheduled off work, a rental truck reserved, friends planning to assist, had to make the sellers of our other house adjust their timing. The feeling I got was that these things happen in this industry and everyone pointed fingers at it being someone else 's fault, the underwriter needs something, but the appraiser is on vacation, the broker can do anything with United Wholesale Mortgage, and XXXX would not give any information to applicants, etc. I understand that things happen, but to be given such little notice was extremely stressful and resulted in additional costs of having to pay movers and adjust my schedule - let alone settle in to my new home.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (WV).
Issue: Problems when you are unable to pay

Complaint: We have submitted numerous complaints concerning Wells Fargo Auto Finance. They repossessed our vehicle in XX/XX/XXXX while my husband was stationed in XXXX, CO. He was protected under the XXXX. While they acknowledge that our interest rate was reduced because of that, they claim they did n't receive orders. They received his orders prior to our interest rate being reduced because that was the proof that we were protected under XXXX. If I did not supply his orders, they would n't have reduced our payment. They claim they only charged off our vehicle and did not reposess it. They are claiming that it may have been stolen. However, I specifically recall getting the amount they recovered from auction for our vehicle. The XXXX number is XXXX. Wells Fargo was guilty of taking soldiers XXXX and had to pay them for this. They are guilty of fraud and somehow they are still trying to get away with it. They did not try to help us out when we became late on payments. They simply state that the XXXX does n't protect soldiers when their vehicle is " charged off ''. I believe they are withholding information entitling is for reimbursement due to illegally repossessing our vehicle.

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 10-06-2015 about Credit reporting () with Experian Information Solutions Inc. (GU).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I had cell phone service through XXXX, I had to cancel my contract early due to military XXXX that were taking me XXXX. I called on numerous occassions to get the account cancelled out and then about 6 months later I got an alert on my credit report saying that XXXX XXXX XXXX had sent my account to collections for an unpaid bill. After numerous conversations back in XXXX of 2015 they finally got everything squared away and found out they actually owed me a refund. So they sent me a mail in the check and said that they would take care of the collection agency. Well now it is XXXX 2015 and now a different collection agency is reporting that I owe XXXX money so I contacted XXXX XXXX XXXX and they stated my account is closed out and paid so they are not sure why they are reporting me for collections. Attached is an email from XXXX stated that I was being refunded and the other attachment is the collection agency XXXX XXXX XXXX, which is the account linked to the XXXX account in question.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: had requested Equifax to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Starting XXXX XXXX, XXXX, the three major credit reporting companies - Equifax, XXXX and XXXX - were to enforce stricter rules on the public records they collect, requiring each citation to include the subject 's name, address and either their Social Security number or date of birth. As of XXXX/XXXX/XXXX, the inaccurate inaccurate information is still reporting on my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian credit agencies have multiple misleading and inaccurate addresses on my credit report there fore violates FCRA.

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 04-01-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX # XXXX, STUDENT LOAN, {$85000.00} This account is being reported as 60 days late as of XXXX/XXXX/16. The company sent me a letter stating it was incorrect and should be reported as on time. This item should be reported correctly and updated immediately. The account should have no past due payments reported and be reported as of XXXX/XXXX/16 on time payments. Please correct. This has been reported with each agency. I also have a letter from XXXX stating this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Consumer Loan (Installment loan) with Social Finance, Inc. (VA).
Issue: Taking out the loan or lease

Complaint: Received a mail offer from SoFi of up to {$98000.00} to consolidate debt. I was preselected to receive up to that amount and maybe more. I applied for less than that amount and was denied. My credit score was over XXXX. 
When I contacted them they only checked to see that I was supposed to receive the offer. They also told me I would have to apply with one of their other companies at higher rates ( bate and switch ). Then on top of that I later received the same type of offer for up to {$93000.00}. 
I am including the offers and looking at the offers I feel they are false advertising and have udaap problems with this type of offer.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX XXXX and XXXX had XXXX loans with XXXX XXXX, when they split into the Navient they screw up my payments, would send XXXX to Navient and XXXX to XXXX XXXX, per the addresses they provide me. Well all the payments I sent to Navient were getting credited to the XXXX XXXX XXXX account. I called them and they said I had to send them proof that I sent the money, and to up-load the cancelled checks. Went online to upload documents as they told me to, but there are no options to upload the docs on their website. Called again, had to explain the story XXXX or XXXX more times to different reps. They kept on passing the buck around to different reps. 
Finally a rep told me there was no place to upload docs as the other reps told me to do ... ... Straight up lies. Finally talked to a rep, who told me to send separate payments to different account numbers, XXXX to Navient and XXXX to XXXX XXXX. These companies should be shut down. Customer service is on par to XXXX. XXXX different companies under XXXX umbrella.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Mortgage (FHA mortgage) with LoanCare, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: We used to have my mortgage loan with XXXX XXXX mortgaga but around XXXX, our mortgage was transferred to loan care based in XXXX ; Virginia. On XXXX/XXXX/16, they sent us an escrow analysis indicating that I had a shortage of XXXX. The problem is that they could not explain where the shortage was coming from. I still pay close to what I have been paying in the past. My XXXX went down so too did my XXXX My monthly mortgage payment has gone up from XXXX to XXXX showing an increment of about {$260.00}. They paid out XXXX for my XXXX bill ; that was understood but the shortage still could n't be justified. They continued to refer us to our previous mortgage company for any explanation. 

Also, we were late making our XXXX payment and so we paid it around XXXX XXXX but they reported to the credit bureau that we were late for XXXX instead of the previous month ; XXXX. We paid twice in XXXX. 

The decreases in our XXXX and XXXX is still not reflected in the total amount that we pay every month.

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 10/21/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I am a victim of false, misleading and deceptive practices for collecting mortgage payments by Green Tree Servicing LLC. These are the same practices they were found guilty of in Case XXXX filed by the FTC and CFPB. Specifically, paragraph XXXX. 
I received a payoff statement from Green Tree and sent money in excess of that amount to Green Tree XX/XX/XXXX. They never applied the payment to my account balance and continued to charge interest on the full amount, pay real estate and property insurance until I received other payoff amounts from Green Tree and submitted that money. This finally was concluded XX/XX/XXXX. 
I am requesting the excess amount I paid to Green Tree be refunded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation