milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-05-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The following inquiries are fraudulent and have been reported to XXXX as fraudulent, yet they refuse to remove them. 
XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date of Request : XX/XX/XXXX Address Identification Number : XXXX Comments : Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date of Request : XX/XX/XXXX Address Identification Number : XXXX Comments : Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date of Request : XX/XX/XXXX Address Identification Number : XXXX Furthermore, they have my address as XXXX XXXX XXXX XXXX without the apartment number listed as a separate address when they have my correct address with my correct apartment number.

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 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I wrote to the company 3 times ( 2 times by email ( XX/XX/XXXX & XX/XX/XXXX ), they responded that they ca n't discuss via email ) So I sent an actual letter by mail onXX/XX/XXXX regarding a derogatory/collections item that I discovered on my credit report.
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This refers to my XXXX  account # XXXX loan date XX/XX/XXXX, 23 month term, that I believed, and also had received email confirmation that this was paid off on XX/XX/XXXX.
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My credit report shows a past due balance of {$110.00}. I included a check for this amount to pay off my balance in full when I sent this letter as I did not know this was still outstanding. Then I asked them to remove this derogatory item for XXXX off of my credit bureau report. Especially since this is the only derogatory item I have ever had on my report.
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This loan was paid off as of XX/XX/XXXX which was within 3 months of taking the loan out. The loan term was 23 months, so Im not sure how this small {$110.00} balance could even be considered late, even if I do owe it, and could then be reported to collections, even if this was a misunderstanding, because the loan is not technically past due until the end of the loan term, which wouldnt be until XXXX or XX/XX/XXXX. I received no correspondence from them that anything was late, past due, or still owed. In fact, I receive emails from them all the time about getting another loan because of my outstanding payment history.
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After all of this, they have cashed my check for the {$110.00}, but still have not removed the derogatory item from my credit report that was put there in error.

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 02-12-2017 about Student loan (Non-federal student loan) with SLM CORPORATION (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I received my XXXX degree XX/XX/2016. I am employed as of XX/XX/2016 I am so willing to pay back my private sallie Mae loan monthly via direct deposit but the term of the loan is unbearable to my income ; it is for 8 years at about {$1000.00} per month. ; my total annual salary is {$40000.00} sallie Mae will not extend my loan nor help me. 
I am a single XXXX year old female who will turn XXXX XX/XX/XXXX and I need to pay rent, pay medical, car insurance as well as dental insurance plus gas for my car and utilities. Please tell sallie Mae to lower my monthly payment and extend my loan Thank u

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Mortgage (Conventional home mortgage) with U.S. BANCORP (FL).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX  PMI Department. In the letter was a request for PMI to be removed from our current Mortgage, a check for {$450.00} for an appraisal and document review, and a list of all upgrades done to the house. 


OnXX/XX/XXXX US Bank received the finalized appraisal from the individual they hired, XXXX XXXX. The report showed that our house had appraised at {$130000.00} and the original value at the time of purchase XXXX XX/XX/XXXX was {$110000.00}. On XX/XX/XXXX we owed XXXX XXXX XXXX   {$100000.00}. 


On XX/XX/XXXX US Bank denied the request to remove PMI and highlighted their Investor Relations Guidelines for PMI Removal. Since we owned the house for less than 5 years the US Bank guideline to remove PMI is that our XXXX on our loan must be 75 % or less. With this appraisal, our XXXX was 76.3 %. 


After I inquired about the guideline not matching with normal PMI guidelines ( LTCV 80 % or less ) I had my lawyer inquire on the issue as our closing documents do not state we must own 25 % of the home to have PMI removed. 


onXX/XX/XXXX, XXXX XXXX, Customer Advocacy Specialist from XXXX XXXX XXXX   responded to my Lawers inquiry restating the Shareholder Guidelines for PMI removal. XXXX also stated in the letter that if we bring the principal balanced owed to US Bank under {$100000.00} by XX/XX/XXXX the PMI would be removed. 


Prior to receiving the letter response from XXXX, on XX/XX/XXXX I sent a letter to XXXX XXXX XXXX PMI Department with a check enclosed for {$1900.00} ; in the letter I stated that this check is to be applied to principal and should only be cashed if this removes the PMI from our next mortgage. The check was cashed on XX/XX/XXXX 


On XX/XX/XXXX I contacted XXXX XXXX XXXX PMI Department and spoke to XXXX who reviewed the case and stated the PMI removal was denied as the shareholder Guidelines were updated within the last month which would now disqualify us from PMI removal. However, US Bank confirmed they had not sent the new guidelines out to its clients, and we began this process in XXXX and completed the process prior to the JXX/XX/XXXX deadline.

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 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Wells Fargo Dealer Services has been paid in full, they have added a remark that the account has been closed. The account has been PAID IN FULL. Due to the account being classified as " CLOSED '' this reflects as a negative mark on my credit. This account has been PAID IN FULL, there have not been any late payments, this account should be in GOOD standing, yet Wells Fargo Dealer Services has classified this as a CLOSED account with negative/derogatory status. 
Please CORRECT this on 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 10/21/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (LA).
Issue: Managing, opening, or closing account

Complaint: I have rushcard prepaid service there was an update about 2-3 weeks ago to the system this is still ongoing and putting a hold on their customers accounts prevented them from getting funds I 've worked my XXXX off for the past two weeks, life does n't stop because of an update bills, groceries, etc I have to go without because their systems are cheap and XXXX. This is a horrible way to do business especially with people you 're entrusting your money to, I 'm not a millionaire like the owner, plus when calling customer service the wait is over an hour plus they hang up on you go figure!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with NAVY FEDERAL CREDIT UNION (TN).
Issue: Excessive fees

Complaint: After moving over XXXX XXXX XXXX my then fiance, wife, now ex-wife and i consumed over {$50000.00} in debt. It has all fallen on me and i have no idea how to get out of this financial whole, need help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Debt collection (Other debt) with Ideal Collection Services, Inc. (FL).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: On XXXX XXXX, 2018, I called Ideal Collection Service, XXXX regarding an account I noticed on my credit. I spoke with someone named XXXX, ( last name was not provided ) and when I advised her I was not aware of any lease in my name and that I planned to put the matter in dispute. She then advised me that the only way I could dispute the debt per federal law was to report the matter as fraud to my local authorities and then provide her company a copy of this police report in order to have the debt investigated and removed from my credit. When I asked her what federal law this was applicable under, she refused to provide me that information and told me I would have to find out myself. She then proceeded to be very rude and unhelpful in providing any additional information regarding the account. I then requested to speak with a manager, she told me she was the manager and refused to allow me to speak to anyone else at the company who may have been helpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Mortgage (VA mortgage) with MIDFIRST BANK (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: One XX/XX/XXXX I divorced my wife and left her the house in the divorce. To this date she has yet to make an on time payment on the house. My name is still on the mortgage and she has been damaging my credit. In XX/XX/XXXX a loan modification was done without my consent. The modification did not remove me from the loan or relieve me of responsibility in anyway, yet it extended tge term of the loan, again, without my consent. I have requested documentation on this from Midland Mortgage Company several times and have yet to receive it. I fail to see how a bank can legally do anything to a mortgage with my name on it without my signature.

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 05/20/2015 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX separate charges of around $ XXXX were charged to my Chase XXXX XXXX card around XXXX EST from a foreign country with the description as XXXX XXXX , XXXX XXXX XXXX XXXX . I received an email from Chase 's Fraud Group and confirmed that the charges were not mine, and then called Chase 's Fraud group directly to make sure the card was cancelled. Chase was not able to tell me exactly how they got my CC # but I would like to learn as much as possible so I can change my behavior ( if it was my fault and prevent future thefts from happening ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Taking out the loan or lease

Complaint: Hi I filed a complaint about this company a few weeks ago but forgot to mention that the company admitted to no disclosing important information about having the option to make a principal only payment. For the past three years I have been making regular payments to Santander Consumer USA for an auto loan, but did n't realize this simple interest loan takes the money from my car payment and applies it to interest first then the remaining to the actual balance. I was told that this is what I signed, but when the dealership sold me the car they said it was a regular loan. Someone was n't being honest and I got sucked in. Now, my car is only work XXXX but I owe twice that much. I requested that the auto loan company send me an original cooy of the contract, but they have n't yet. They also admitted and I saved the transcript of the conversation that in the contract they fail to let consumers know they can make XXXX payments per month. XXXX is for interest and the other is for principal. Had I known this I could have paid down this loan much faster. I would like them to adjust my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: I submitted a check for {$3.00} and it was denied, while my account had over {$500.00} in it. I called three bank branches and was given ran around and no explanation whatsoever why I was denied and charged {$2.00} and later another {$2.00} for the denied check. Representatives kept transferring me to the automated system, which was of no help to me. The last person XXXX, from the branch on XXXX XXXX XXXX was extremely rude and unhelpful.

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 03/13/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, Ill try and make this short and sweet ... 
I have been diligently trying to get back money from my mortgage company for overages that I have paid the last 3 years. Bayview loan servicing has been collecting too much money for my escrow since XX/XX/2014, when they purchased my loan. I am a XXXX veteran who is tax exempt, I have the documentation from the county to prove this. EVERY TIME I call Bayview, I am pushed off to the next department with a different answer and a different resolution ; none of which has gotten me anywhere. I 'm XXXX. I do n't have the time, the resources or the patient for this treatment. I have asked a gal from my local credit union to help because Bayview has pushed me off time and time again, that its going to put me in the hospital. XXXX, my local banker has advised me to contact you to see if you can help. She has tried to fax, to upload, and to call when told to follow up the past 2 and a half weeks. She has had no luck. The last service representative she talked with, even hung up on her. She has been requesting an " escrow analysis '' of every transaction to date since they took over the account in XX/XX/2014. 
I want to know where my money has gone, why they have n't adjusted my payment to reflect the fact that I do not have to pay taxes. I want to know why this company pushes me off, I want to know why they wont help me. I just want the statement and I just want my money. Why as the " professionals '' will they not help? I pay my mortgage every month, on time. I have for the past 3 years while they have had my loan. I hope you can help me, I hope someone will hear my cry for help and make sure that this company does n't treat anyone else like this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Consumer Loan (Vehicle loan) with MAS Financial Services, Inc. (OR).
Issue: Problems when you are unable to pay

Complaint: The loan company made calls to my references when I was late on making a payment. They left a voicemail. In the message ( I have them recorded ) they mention who they are, that they are looking for me and to tell me to call his auto loan company immediately. So, my references then call me to tell me about how my auto loan company is looking for you. Then a few days later, they left me an automated message. The message basically stated ( XXXX ) that you need to pay your payment and to press one to speak to a LEGAL REPRESENTATIVE. This is flat out illegal, as these are not legal representatives. It just connects you back to the auto loan company. I also have a number of these recorded.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: not able to get Equifax report are XXXX repot there are XXXX credit card on my name XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2017 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa, XXXX XXXX Account # XXXX no contract no signature

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 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am providing you with my former employe rs EIN num bers received from social security. I n  XX/XX/XXXX . I  worked for   XXXX   XXXX  . Fro m  XX/XX/XXXX - XX/XX/XXXX  I  was employed with   XXXX    XXXX . I was employed with  XXXX    XXXX    XXXX  from  XX/XX/XXXX - XX/XX/XXXX . Their EIN #  is  XXXX . I was employed with  XXXX   XXXX   XXXX   XXXX   XXXX  from   XX/XX/XXXX - XX/XX/XXXX .Their EIN #  is  XXXX . I 've sent  XXXX   XXXX   XXXX  a copy of my current drivers license. I just updated my address to reflect my current address. My new address is  XXXX   XXXX   XXXX   XXXX  Tennessee  XXXX . My late mother & father social security numbers are  XXXX  &  XXXX . I changed my name through probate court to  XXXX   XXXX   XXXX . My maiden name is  XXXX . My parents social security numbers are being used, even though they are deceased. Equifax is ignoring all of the information I submit. Even if I mail everything they request. I took a picture of my drivers license & sent it to you. I will submit copies of my parents death certificates & my marriage linsence.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Making/receiving payments, sending money

Complaint: XXXX charges were made on my account today that I did not make. My bank did nothing to fix the issue other than tell me to wait for the charges to go through. I have not had my money refunded and had to call the local branch to get my card canceled. They told me to call the companies myself to dispute the charges, when it should be their job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/30/2016 about Debt collection (Medical) with RS Clark and Associates, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Original debt owed was to an emergency room, which I was never contacted by until a third party collector contacted me. Once contacted I paid immediately. Several years later they will not remove the account from my credit even though it is a medical bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Checking or savings account (Checking account) with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: My account balance with  XXXX   XXXX  was  discharged in a Chapter   XXXX  Case #  XXXX  filed   XX/XX/XXXX  an d converted to a Chapter  XXXX   XXXX  filed   XX/XX/XXXX .  To date Chex Systems has continued to report my account negative. I was granted relief from this debt and I want the account removed from Chex Systems 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 06/16/2017 about Debt collection (Other debt) with Capstone Credit & Collection, LLC. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Debt placed for collection on  XXXX / XXXX /  XXXX  . After multiple attempts to verify debt, nothing was ever sent or reported to me. I have also discovered this company is NOT licensed to collect debts in the state of North Carolina as required.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: Dear CFPB, I had my mortgage with Bank of America, but I have not been receiving any type of notification from them for a many years now. I have called the Bank of America many times to resolve this matter, but unfortunately I was told that I no longer have a mortgage with Bank of America. I found out that my mortgage has been moved to XXXX XXXX. I never authorized this transfer nor requested the Bank of America to make any changes to my mortgage. There was no service transfer notification, nor any form of notification that this transfer has been made. I wish I can find more information but I am not able to receive any information from both XXXX XXXX & Bank of America until now. I spoke to many different representatives for many times from different department, but I am not able to find any information regarding my mortgage. Now when I ran my credit report, I saw many delinquent payment notices on my report from Bank of America. This is very unfair and I do n't know whom I can speak to to resolve this matter. Because of this ridiculous happening, I am not able to file a modification nor enroll for any financial help programs. I do not want to lose my home, but there is nothing I can do because of those delinquency notices on my credit report. 
Please help me to resolve this matter. I am very worried and lost at this point because I feel like the banks have used my personal information without my consent or authorization to make these changes and I am not able to receive any information from those banks. Once again, I never requested any changes or transfer, never late on my payments, and I do not want to lose my home. 

Thank you,

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