milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2017 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: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: Challenge an unfavorable section or oversight on my credit report. I am for the most part unsatisfied with CRAs reporting mistaken information, and other. XXXX archives/attach.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid off the amazon store card in full and closed the account. Apparently a refund arrived on the card at some point and I am owed some amount of money. The collection company seems to think that because the balance is not XXXX I owe them something and they call 5 times a day. However, if I actually talk to them they realize after wasting 10 minutes of my time that they owe the money to me! While they promise to send me a check and correct the account, this never happens. And an hour or two later they will call again! This has gone on for weeks. 

SynchronyBank, via Amazon Store Card program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted the agency several time about the bankruptcy report they have not contacted or complied.. This is not my file

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 08-02-2017 about Student loan (Federal student loan servicing) with ACS Education Services (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been a XXXX in a large XXXX XXXX district since XX/XX/XXXX  and am unable to receive a clear history of my student loans in regards to the XXXX Loan Forgiveness Program. My loans were consolidated in XX/XX/XXXX ; however, my servicer ( ACS ) is unable to provide me with the type of loans that were consolidated and the date of consolidation, which can impact my eligibility for the XXXX Loan Forgiveness Program. In addition, my servicer ( ACS ) said my loan is being transferred to another lender/servicer ; however, they were unable to provide a date or time frame that this would occur. My servicer ( ACS ) referred me to the U.S. Department of Education, who also provided limited/false information. I was provided with a servicer who, when I contacted, had no records of my loans.
By not being able to access my loan history, I have not been able to receive confirmation of my eligibility for the XXXX Loan Forgiveness Program. My servicer 's practices ( ACS ' ) are unfair and deceptive as I am not able to receive consistent information regarding my loans. My loan is also being frequently transferred to different lenders and servicers making this process more complicated.
I have contacted my servicer ( ACS ) on multiple occasions, with the latest contact being XX/XX/XXXX. The servicer ( ACS ) stated they could request a copy of my Promissory Note from the loan guarantor ; however, this will take 30 days to provide and I am not sure how this will help me to understand my eligibility for the XXXX Loan Forgiveness Program. Please see my request to the servicer ( ACS ) below.
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Debt collection (Medical) with Collection Management Company (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am being over charged a copayment of XXXX dollars when it should be XXXX dollars. After multiple calls i did giving my correct copayment assistance card I keep getting billed the higher amount and I am being threatened with collection because of someones error at XXXX XXXX pharmacy.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Hello, My issue with my mortgage company ( PennyMac ) is the process of removing the PMI from my mortgage. Penny Mac asks me to pay for the appraiser and they choose the appraiser who appraise my house. Last when I started the process to appraise my house, they scheduled an appraiser on XXXX XXXX 2017 to come to my house in which the appraiser did and he told me it takes him 2 days to complete the appraiser report and send it to the company. My house was appraised on XXXX XXXX 2017 and since then I have been calling PennyMac and was told they have not received the appraiser report from the appraiser, which contradicts what I was told by the appraiser himself. 

Anyhow, I have called and kept calling Pennymac and keep getting the run around and wait on the phone for several minutes and then I get the message from them saying they ca n't do anything until the appraiser report come to their office. 

Currently the prices of my homes in my community has raised significantly to the point that I should have an equity to remove the PMI from my mortgage, and I believe PennyMac is trying to dictate the outcome of the appraiser since they do not want to disclose it to me after nearly a month of the appraiser date. 

Also I think mortgage companies should not dictate what appraiser company should be used as long as it is a certified appraiser by the state where the property is located. 

Please let me know how I can get my appraiser report from PennyMac since I am paying for it. And how can I get rid of the PMI from my Mortgage since I met most of the PMI regulations as I read it on your web site. 

I appreciate all your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Closing on a mortgage

Complaint: I have a VA mortgage through Wells Fargo, they did a loan modification in XXXX XXXX 2014. I had been every ill and fallen behind in my mortgage. When I was finally placed on XXXX, I was able to make payments again and I made several large payments that all in total was right at {$28000.00}, which was just a couple of payments short of the total amount I owed. None of this money was ever applied to my principle, it was held in a non-interest-bearing account for several months, roughly a year. I had been working with their home preservation department for several months, wanting to simply bring my loan current. I had the funds to do that. They refused to accept my payments and told me I would have to apply for a loan modification. I was not allowed to attend the event they hosted in XXXX, but was instructed to be at the XXXX event a few weeks after they were in XXXX. XXXX is about 70 miles south of me and I still had health issues, so it was not easy for me to make the trip. I did arrive as instructed, with all of my required documentation. I went from station to station providing them with whatever they asked for. These Wells Fargo staffers were from all over the country, some were from North Carolina and others from XXXX, Im sure there were other locations I did not meet. I was told repeatedly that I would know by the end of the day if my modification had been approved and if I would be able to keep my home. At one station I was told I would be locked in at 3.0 % interest on the revised mortgage. I was there until after close of business at XXXX. I was finally released around XXXX XXXX and told someone would be in touch within 24 hours. I drove 70 miles home. 
I called them several times over the next 30 days or so and again I was told they were working hard to save my home. Somewhere around the 30-day mark, I received a XXXX package with my loan modification paperwork. I was given one option, sign and mail it back in the enclosed envelope immediately, or lose my home. I signed it and XXXX it back. 
After reviewing the modification, {$31000.00} was added to the principle of my loan and my interest rate was 3.75 %, not the 3.0 % I was given at the event in XXXX. This means with the {$28000.00} I had already paid in, I was only three payments behind, the third coming because of the time it took to process my loan modification., it was under duress and my {$28000.00} has disappeared. I assume it was consumed by excessive fees and closing cost for this modification that was totally unnecessary. I have attached the cover page of the loan modification to show the cost.

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 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I wrote a validation and verification letter to XXXX XXXX  as well as to Experian, XXXX, and XXXX   about the account. The account was charged off and XXXX XXXX sold the account. I informed XXXX XXXX that they were in violation of the arbitration agreement. 

I have attempted to contact XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to determine the status of my account, and I am not able to receive any details except call back. I am confused as to how the credit bureaus were able to verify and validate the accounts. 

XXXX XXXX has responded that my claim was frivolous ; however, I have not been able to discuss nor recieve

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit card was reported 31 Days late to my credit bureaus but I was offered an payment deferment.

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 05-02-2015 about Credit card () with DISCOVER BANK (AR).
Issue: Advertising and marketing

Complaint: I opened a Discover credit card. Note that Discover has been running NUMEROUS adds touting that it has a XXXX time late payment forgiveness feature. My credit limit with Discover was {$1900.00}, I had used approximately {$1000.00} of my available credit. I was 5 days late with my payment in XXXX 2015, and although Discover waived a late fee ... .they then lowered my credit limit from {$1900.00} to the outstanding balance at that time which was approximately {$1000.00}. 
As a result, due to the actions of Discover card, worse than merely charging me a {$30.00} late fee, they cut my spending power in half, thereby knowingly and intentionally reducing my credit score by falsely and fraudulently manipulating my available credit to balance ratio as well as violating their advertised late payment forgiveness. 
The multiple advertisements on national television stated that there was NO PENALTY, not that Discover would, without any recourse, knowingly and intentionally manipulate your credit score was never revealed. I believe it is a false and deceptive practice, not only to penalize someone for making a late payment when you are specifically touting your no penalty policy, but to nefariously manipulate credit scores and penalize me nearly {$900.00} is malicious and intolerable.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 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: Account status incorrect

Complaint: You have reported wrong status in my report I have never paid late these accounts : "  XXXX  -  XXXX  " "  XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  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 04-10-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: B of A misapplied my early payments to principal paydown, then dinged me for late payments. Between XXXX/XXXX/15 and XXXX/XXXX/15, a CSR named " XXXX '' advised they would fix it and told me to send in {$100.00}. Later B of A still hit me for a late fee and did n't fix it. On XXXX/XXXX/15 I requested a pay off demand. B of A had another late fee included in the payoff of {$130000.00} as of XXXX/XXXX/15. I complained and on XXXX/XXXX/15 I spoke with an XXXX at " XXXX '' who said he would resolve my demand that they remove the {$38.00} late fee. B of A then re-issued the payoff demand on XXXX/XXXX/15 for {$130000.00} as of XXXX/XXXX/15 XXXX yes ~ {$180.00} higher! ) I called and complained. B of A ignored me. I spoke with a XXXX XXXX on XXXX/XXXX/15, who said he would resolve the issue. He never did, i called and left about XXXX voicemail messages for him over the next 3-4 days and he never responded. I also left XXXX vm messages for " XXXX '' who was purportedly XXXX ' supervisor at XXXX, he never called me back. I also left vm messages for " XXXX '' at x XXXX, he never called me back. 

I spoke with an XXXX XXXX on XXXX/XXXX/15 at around XXXX, she was unwilling or unable to resolve the XXXX {$180.00} problem. 

I was forced to overpay in the payoff demand, as the property was being sold. 
In addition, i made an inadvertant extra payment to B of A after the property was sold. 
I never received any accounting as to the overpayments and would like a full accounting. I received a check back but i believe this was only for the credit balance in the escrow account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/19/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I opened a Macy 's star rewards credit card in the store late XXXX this year when I bought an engagement ring. Later, I received a statement which I paid in full over the phone. More recently, I received a statement for my Macy 's credit card saying that I had a previous balance of {$4.00} due & now had {$2.00} interest for a total due of {$6.00}. If this is not paid on time, they threatened to charge me a late fee of {$32.00}. I had nothing due since this XXXX purchase was completely paid off & there have been no other purchases. I have called Macy 's credit card customer service phone number multiple times over the course of several weeks as well as emailed, but have received no response back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/15/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Back in XXXX 2015 i started a loan modification through my servicer Seterus who handles my mortgage for XXXX. I was approved by Keep Your Home California in XXXX 2015 for a principal reduction and was approved for {$84000.00} reduction was was sent to Seterus in XXXX for them to recast my loan. As to date they have not applied the funds nor recast my loan. I call on a weekly basis like they tell me to. I have spoken to numerous people and have asked for a single contact person that know whats going on and they told me that they can not do that. I have asked to speak to someone in their hardest hit department and they tell me i can not speak to someone their that they will put notes in the computer requesting an update. I get numerous responds in the mail with different programs they can offer me but nothing about the recast. I got a letter XXXX/XXXX/15 & XXXX/XXXX/15 that i was approved for a modification through the XXXX who i called that told me that they do n't service my loan, on XXXX/XXXX/15 received a mortgage Trial offer that would raise my interest rate and make my loan 40years, i keep getting a suspended account statement showing my {$84000.00} that keeps going down but nothing being applied to my loan, on XXXX/XXXX/2015 i received a letter stating i was denied a loan modification, on XXXX/XXXX/15 received an escrow account statement showing a shortage. I really do n't know what to do, I am at a lost please help

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NV).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX, Wells Fargo Bank automatically paid an internet social media subscription vendor called XXXX XXXX {$89.00} for a 6-month renewal fee from my Easy Pay Debit  Card account. This happened despite the fact that I had previously emailed XXXX XXXX  to change my subscription plan to a lower {$59.00} fee. XXXX intentionally delayed in replying to me so it could charge me {$89.00}. The original 6-month fee I paid to XXXX XXXX in XX/XX/XXXX was only {$44.00} and their automatic {$89.00} charge was sprung on me by surprise. I fear Wells Fargo Bank would have automatically paid out any amount XXXX  XXXX charged me without ever bothering to get my re-authorization first.

I immediately phoned Wells Fargo Credit Card Claims Assistance to file a claim that I had been overcharged {$30.00} ( {$89.00} - {$59.00} = {$30.00} ). Wells Fargo confirmed to me that {$30.00} was refunded via their Claim # XXXX. I thought this resolved the matter.

However, XXXX XXXX subsequently sent me emails that since Wells Fargo had a " claims investigation pending '', they had cancelled my subscription entirely and I would have to pay them {$59.00} again to restart it. As far as I knew, XXXX XXXX already had collected and kept {$59.00} from my {$89.00} payment. But XXXX XXXX insisted I would have to get that refund from my " bank '' which is Wells Fargo.

When I contacted Wells Fargo Claims again by phone I was told the case was closed and could not be re-opened. I even wrote a letter with full email documentation to Wells Fargo Senior VP for Claims Assistance XXXX XXXX XXXX about this, and he ignored it. 

So XXXX XXXX insists Wells Fargo must process my {$59.00} refund, and Wells Fargo refuses to do anything about it. Given Wells Fargo 's history of questionable banking practices, it may have created some internal procedure to keep my {$59.00} for itself. I would consider that fraud! 

I am already siphoning my accounts to other banks that provide proper customer service.

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 02/21/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit card protection / Debt protection

Complaint: On XXXX/XXXX/17, I made a payment to my Bank of America credit card. I was credited for this payment and I was able to make purchases yesterday, XXXX/XXXX/17. Today, my card was declined inexplicably. I contacted the bank and they said it was because of a " payment error ''. They claimed to be resolving it but did not get a definite date. They also would not clarify exactly why I can not use my card. The money has been removed from my account. I feel as if Bank of America has stolen my money and is giving me the runaround. I wasted over 2 hours on this issue just to get an authorization for credit I already have available on my card. They also refuse to give me full credit for my payment. They also refused to expedite a resolution. I am extremely angry at their treatment, and I feel as if they have stolen my money and are giving me the runaround for something that is their problem.

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 06/25/2015 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I WOULD LIKE TO KNOW HOW MANY LETTERS IT TAKES TO GET A COMPANY TO STOP CALLING YOU AFTER YOU DONE TOLD THEM THAT THE ACCOUNT THAT THEY ARE TALKING ABOUT DOES NOT BELONG TO YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (DC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/XXXX, I noticed two charges on my XXXX XXXX XXXX XXXX ( XXXX XXXX ) in California that I did not make : The charges included : -A charge on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX CA Amount : XXXX Location : XXXX XXXX XXXX XXXX XXXX CA -A charge onXX/XX/XXXX : XXXX XXXX XXXX CA Amount : XXXX Location : XXXX XXXX XXXX CA I called ( XXXX ) on XX/XX/XXXX at XXXX to report fraudulent charges on the card. The person who responded cancelled the card and said a replacement would be sent. They also said an investigation would begin into the fraudulent charges. I explained that I did not travel to California and no one else had access to the card which I still had in my possession. I called ( XXXX ) again onXX/XX/XXXX to report an additional fraudulent charge on the card to inquire why the charges from the previous called had not yet been removed. The new fraudulent charge was : Date : XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX CA Amount : XXXX Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA The individual who answered the phone noted that they were investigating the charges on my card.

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