milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: An agent of XXXX XXXX XXXX ( Enhanced Recovery Company , LLC ) place place a negative claim in my credit bureau record for an amount of {$300.00}. The negative claim resulted from the following. In XXXX 2013, I changed my XXXX XXXX XXXX home-phone service from analogue to digital and separated the billing for my wireless phone service from the billing for home phone. The combined billing account was closed as XXXX XXXX XXXX now bills me separately for UVERSE ( TV, home phone, and internet ) and wireless phone/data. Apparently, this change caused some confusion at XXXX XXXX XXXX and resulted in the XXXX XXXX XXXX claim that I still owe money under the combined billing account. I emailed the XXXX XXXX XXXX customer service to get the account straightened out, but they passed me from XXXX department to another but none of the departments has all the information needed to resolve the problem. I wrote a letter to XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2013 requesting that they assign the case to someone that can have access to all the information needed to resolve the matter. A copy of the letter and the response from XXXX XXXX XXXX dated XXXX/XXXX/2013 are attached. As you can see from the attachment, all that XXXX XXXX XXXX did was provide me a meaningless standard response. XXXX XXXX XXXX has tried several times previously to use the collections system to bully me into paying them an amount of {$300.00} that I do not owe to XXXX XXXX XXXX. I requested XXXX and each of the several collection agencies that XXXX XXXX XXXX used at different times to provide me an itemized list of what led to the debt that XXXX XXXX XXXX claims against me, but nothing was provided to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2017 about Debt collection (Private student loan debt) with Texas Guaranteed (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: They are calling my employer every day after I told them they could n't call my work. Leaving messages, calling the front desk when I do n't personally answer, etc. XXXX ( caller id says XXXX XXXX ) and they leave this number in the voice messages XXXX. They have stopped leaving voice messages after i told them they ca n't call my place of work but they still call my work phone, my work 's reception, and speak to other people at my work to reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There are XXXX addresses listed on my credit reports for apartments or homes where I have never lived in my life. As a result certain accounts associated with those XXXX addresses, which are not my accounts, have negatively impacted my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (UT).
Issue: Closing on a mortgage

Complaint: I have had a Home Equity Loan with Wells Fargo Bank. I have made timely payments throughout the duration of this loan. Today I learned from a third party that my Home Equity Loan with Wells Fargo Bank has been converted to a home mortgage in the sum of {$220000.00} with a different account number. A recent home appraisal shows the present value of this home as {$230000.00}. Upon further scrutiny, the statement I have received from Wells Fargo for this month, payment due XX/XX/18, indicates a different loan number with payment being payable to Wells Fargo Home Mortgage instead of Wells Fargo Bank. Last month 's statement simply indicates the usual Home Equity Loan information, so this change by Wells Fargo was made quite recently. 

I have not applied for a home mortgage from Wells Fargo! I have not received any prior notice from Wells Fargo that my Home Equity Loan was being converted to a Mortgage! This conversion to a home mortgage was done by Wells Fargo without my knowledge, without my consent, without my signature, without lawful reason! I have no knowledge as to the terms of this Mortgage imposed upon me by Wells Fargo! 

I spoke to a Wells Fargo officer this morning asking how in the world Wells Fargo could have done this. He did not answer my question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Navient has started calling me again on XXXX/XXXX/XXXX at XXXX from XXXX. Trying to get information on a family member ( who does not live with me ). I told them to stop calling me in the past. Here they go calling again. Im currently taking legal actions against Navient for the false accounts on my credit. Why would I give them information to falsify on someone 's else credit?

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2015 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: Billing statement

Complaint: This is a SYSTEMIC issue that I wish to address with Regards to TD Credit services. They do not offer EMAIL ALERTS before the payment is due ; rather they offer text alerts, which means you have to pay for the text. This is done to deliberately have people late on their credit card payments as most people do n't want to pay for texts. This issue must be addressed, it is a systemic issue, and it has me getting behind on my payments all the time, I have XXXX other credit cards, and I am on time with all of them, because they have Email alerts that alert me a few days before my payment is due, but TD however WILL NOT ALLOW EMAIL ALERTS, they will ONLY allow TEXT ALERTS. THIS IS A SCAM, AND A RIPOFF, THIS MUST BE ADDRESSED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/27/2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Trouble during payment process

Complaint: I bought my home XX/XX/XXXX for the amount of {$220000.00}. The home was appraised closing with a value of {$260000.00} at closing. When purchasing the home I did not provide a downpayment in the amount of 20 % of the home value, therefore I had to purchase private mortgage insurance ( P.M.I. ) on the home until 20 % of the home value was paid off. 20 % of {$260000.00} is {$53000.00}. This means I would have to owe ( $ XXXX- {$53000.00} ) {$210000.00} or less for the P.M.I. to be taken off of my monthly mortgage payments. According to law, the lender should take the P.M.I. off of my loan once the 20 % is met. At the time of closing my borrower did not provide me a PMI disclosure form to identify when the 20 % mark would be met. 

When closing on my home my loan was thru XXXX XXXX XXXX, for the past 5+ years my loan was taken over by Wells Fargo Home Mortgage and they are my current lenders. I have never missed or been late on a mortgage payment. 

In XX/XX/XXXX I reached the 20 % mark on the value of my home. Starting XX/XX/XXXX I have owed {$210000.00} or less on my home. As of XX/XX/XXXX I owe {$190000.00}, this is far beyond owning 80 % or less of my home value. 

I have reached out to Wells Fargo to have the PMI removed from my mortgage payments, but they refuse. Wells Fargo has stated that I must pay off 22 % of the " loan '' before PMI can be taken off, and that the 20 % is not based on the value of the home at closing. 

It was never identified to me at closing that the 20 % was based the " value of the loan '' and not the appraised value of the home at closing. This information is new to me and in XX/XX/XXXX I do not believe this was the agreement at closing. I would like to receive some evidence that I agreed to an otherwise condition against having the PMI be based on the value of the home at closing.

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 10-07-2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Dear Consumer Financial Protection Bureau. I currently have a foreclosure sale date scheduled for XXXX XXXX, XXXX this is a very urgent matter. I have a complaint about my current loan servicer which is Rushmore Loan Management Services, LLC. Let me begin by explaining my situation from the past to the current. My loan originated with XXXX XXXX. I was paying XXXX XXXX around {$1600.00} towards my monthly mortgage up until the collapse of our economy. From there they sold my loan to XXXX XXXX. I was behind and applied for a loan modification they gave me the loan modification and I paid them the three trial period payments. After I paid XXXX advised me to keep paying them. I continued to pay XXXX for at least 18 months but around that time I received a letter saying that my home was under foreclosure. This was a huge shock to me as I have paid and was still paying XXXX for what I believe to be was a loan modification. My loan once again was sold to another servicer this time my current one Rushmore Loan Management Services, LLC. 
I have applied with Rushmore Loan Management for a loan modification and sent them all required documents to be a completed packet for a loan modification. Rushmore loan management has all required documents and packet is in review. 
.Im worried that this company will either take my money and they sell my loan to another servicer or just foreclose on my home even after having all required documents for a loan modification. If Rushmore Loan Management Services, LLC foreclosures they will be in violation of the California Homeowner Bill of Rights Act.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (Credit card debt) with Alliance Data Card Services (IA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Called me at work on work phone, after I told them to stop calling my work #.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (LA).
Issue: Taking out the loan or lease

Complaint: On XX/XX/2016 we went in to look at new vehicles. When we found the one we wanted, we explained that if they could not find financing within the XXXX bank hit on our credit and within the correct finance charges we were willing to pay, that we would return the following day with our own financing once our bank opened the following morning. When we went into the financing office, they notified us they hit our credit score 3 times. I was furious! We decided to just go ahead with it. When we were about to sign off on the car, we noticed the interest rate was XXXX points higher than we had agreed to pay. We thanked them for their time, and were about to walk out when they had to adjust the selling price to get us approved by the bank at the lower interest rate. The next day I checked my credit report and noticed they had XXXX hard hits on my credit. I contacted the dealership and they said there was nothing they could do that sometimes their computer just keeps searching until it finds a bank to finance it. None of this is what we originally agreed upon. I had financing I could 've received from my bank the following day during bank hours but with it being the end of the month, I think the dealership was trying to hurry to close the deal and searched anywhere they could that late at night to get the deal done. I need these hard inquiries taken off of my record, because I never authorized them to go through XXXX of the XXXX banks, I only authorized them to go through XXXX bank with XXXX hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Consumer Loan (Installment loan) with CITIBANK, N.A. (FL).
Issue: Problems when you are unable to pay

Complaint: I received communications from : XXXX XXXX XXXX XXXX XXXX XXXX. 
United States ( XXXX ) XXXX And stated that I owed money on online installment loan. I did begin payment on the debt they claimed believing that it was indeed valid. However as time went on with monthly payments they requested payments on an iPhone gift card. I have never ever had to pay any company for any debt with this method. It was very odd and raised an immediate flag. When trying to obtain information on it they went directly into threatening an arrest warrant and court procedure. I want to make sure this is a valid debt and if not report them for 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 02-10-2016 about Credit reporting () with Experian Information Solutions Inc. (DC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: A would-be creditor ( " XXXX '' ) has listed XXXX collection accounts on my credit report. Both claims are from employees of XXXX, of which XXXX. Aside from the questionable general legitimacy of these claims, I do n't think my personal credit report should reflect claims relating to employees of an XXXX. 

Thank you for the assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit card () with SYNCHRONY FINANCIAL (RI).
Issue: Billing disputes

Complaint: Being billed for merchandise on Amazon credit card that was previously refunded. Charge appeared XXXX/XXXX/2015. Had previously complained to CFPB when Amazon indicated they would rebill and Synchrony Bank indicated credit on account was permanent. This was not the case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XX/XX/XXXX of 2017 I was contacted by Chase bank to be solicited banking products, and I told the rep that I was looking to refinance my construction loan so they transferred me to their mortgage group. The Rep recommended a 120 day lock product, and promised a {$3000.00} credit for closing costs. I was requested to deposit {$6000.00} to make sure I committed to borrow from them and {$500.00} for the appraisal which I paid. I asked the loan officer if this was the right product for me, given the new construction was not complete and there was risk of 2-4 weeks of delays. He assured me that his branch manager will provide at least two extensions for free, and maybe more and not to worry about it. He recommended it was the right product for me.
I moved in the property, and asked Chase to do their inspections since the property was finished inside, but had a few outside items to still be complete. The inspector identified the items, and I agreed to provide the money in an escrow to the bank and receive the funds after items were completed. The bank extended the loan and mentioned that there is no issue with extensions. After we completed the checklist the bank wanted stair railings, so I installed temporary ones to satisfy the conditions. 

Throughout the process I asked them and reminded them of terms agreed, and they mentioned up to 2 days prior that all was the same as agreed and to ignore all closing disclosures up to that point as incorrect. The day before closing I was informed that Chase no longer will provide the {$3000.00} closing credit as it had to extend the loan too many times, admitting the last two extensions were due to their fault. I was furious and asked to walk away from the deal.
I spoke to the manager, who mentioned that I will not be receiving the credit, and that they would keep {$6500.00} already paid if I walked away. I could have borrowed today at 1/8th cheaper and a closing credit.
In short, the {$3000.00} closing credit never showed up to any of the closing statements ( over 20 of them issued and told to ignore ), which makes me think they never indented to pay. They knew they could corner a customer with the extensions and as a result they could change the terms at the last minute. This is a sign of a bait and switch and wanted to report so others do n't get trapped into this lending tactics.
I attached two Closing Statements, one that had changed every week, but never mentioned the closing credit and the final one after all points and extensions that were used to scare me went away.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent Documentation that this is NOT mine. 
They replied twice that they have verified that it is mine. 
I have a letter from the collection agency ( that I sent to Equifax ) that states the docket is NOT mine and Equifax still says it is. 
What can I do?? 
XXXX XXXX XXXX XXXX XXXX XXXXSC, XXXXAll other agency 's have removed it all ready.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/15/2016 about Debt collection (Medical) with EQUIFAX, INC. (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Equifax continues to post that I owe money to XXXX XXXX in XXXX XXXX Oregon on XXXX accounts. I called XXXX XXXX XXXX, XXXX and asked if I owed them money. They said I did not and had paid it off in XXXX. I want these accusations removed from my record on Equifax immediately. I have already filed a dispute with them longer than a month ago and they continue to have it posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Using a debit or ATM card

Complaint: Regarding dispute # XXXX I will continue filing complaints until the institution responds as to why this claim is being denied pursuant to the Electronic Funds Transfer Act ( issue stated below ) : " Liability for Unauthorized use of ATM and Debit Cards If you have lost your ATM or debit card, or if it has been stolen, it is very important to notify your bank as soon as possible. By doing so, you will minimize the amount of liability you will have for any unauthorized use of these cards. In the case of ATM and debit cards, the Electronic Fund Transfer Act sets forth the rules. Under the EFTA, your liability for lost or stolen ATM or debit cards is : {$0.00} if you are able to report your lost or stolen ATM or debit card immediately and before the card has been used ; {$50.00} or less, depending upon the amount that has been used, if you report your card lost or stolen within two business days ; {$500.00} or less, depending upon the amount that has been used, if you do not report your card lost or stolen within two business days, but you do report it within 60 days after your bank statement is issued that shows the unauthorized use ; or Any amount if you fail to notify the bank of your lost or stolen card within 60 days after your bank statement is used that shows the unauthorized use. 
If your bank or financial institution claims that you are liable for unauthorized charges or withdrawals that exceed {$50.00}, it must be able to show that the additional loss ( past {$50.00} ) would not have occurred if you had given timely notice of the missing card. '' Conflicting prior responses regarding submission of additional requested documentation in the form of a police report are not relevant to the EFTA requirements. Institution stated claim would remain open upon submission of report. Report was submitted to institution. Institution then stated report was not submitted in time. Institution is now on record as denying claim based upon internal procedures and not EFTA legal reporting requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Deposits and withdrawals

Complaint: Complaint is against Bank of America, where I have checking account and bank debit/credit card. At times when I have MORE than sufficient balance $ $ to cover transaction charges, the Bank indiscriminately triggers a DECLINE to pay transactions. Example : XXXX a purchase at Target, slightly over {$400.00} XXXX there was around XXXX this held in the account ). The card was declined with NO warning, with NO explanation. Also, my daughter 's card was declined. My daughter needed to pay the bill with another business account, in a final ditch effort to end the capricious conflict. This resulted in extreme embarrassment, and measures that were aggravating and time-consuming to clean up the intervening mess ( while preparing a college graduation event with family coming from all over the country ). The bank should have NO indiscriminate right to deny payments to vendors when I have plenty of $ $ in the account to pay the bills. That is MY money, not the bank 's. 
ALSO, Bank of America declines transactions when I am in another state, even though I live in a XXXX area ( XXXX, XXXX, XXXX XXXX and travel between them almost every day! They insist I post a 'travel ' note on the account, which has a temporary time frame. This is nonsense! Are we living in a XXXX XXXX world? The practices of the Bank of America which abuse consumers and prevent them from using their OWN $ $ must be criminal in nature. The XXXX government surely can not condone such practices. Preparing to remove my money and close the account. What 's next? Stuff it in a mattress? STOP these consumer abuses by criminal banks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NC).
Issue: Trouble during payment process

Complaint: Ditech sold my mortgage to XXXX as of XXXX XXXX. They told me that all payments go to XXXX, now they have put on my credit that I still owe them a payment of XXXX for XXXX. XXXX XXXX, XXXX I sent XXXX XXXX for XXXX, XXXX and XXXX payments. Ditech sent XXXX XXXX to my account for overpayment. Now Ditech says I owe them XXXX payment and it shows up on my credit report that I am a month behind. I called Ditech and they are insisting that I make the payment to take this off my credit report, XXXX says that I am up to date on my payments. Attached are my payments and dates for both companies, look carefully at Ditech XXXX XXXX, XXXX the interest for that month is twice what it is suppose to be for a total of XXXX, when I questioned they told me that was what I owed. But I paid XXXX and they put payment of XXXX, try to figure this one out. I would like to have this cleared and my credit cleared up ... ... .notice that I paid more then the required payment.

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