milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2016 about Mortgage (Conventional fixed mortgage) with GUILD MORTGAGE COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: XXXX, I found a home and wanted a home loan. Knowing I had excellent credit I came to find out my mortgage company and non payment on the XXXX loan of the mortgage for XX/XX/XXXX and XX/XX/XXXX. I called Guild Mortgage to see what was going on. It was a mistake on their behalf. I waited for FICO correction letters and they were not sent. I called again, was promised they would fix and send. I never got copies. In XX/XX/XXXX I found some few homes. So, I went to get a pre-approval again and was denied, again, for the same thing, but for XX/XX/XXXX. I called Guild it was a mistake they would fix it. I ended up trying to work with one of their loan person since they knew my obstacles and they knew it was a company mistake. 
They tried by sending me loan papers to sign without explain anything. They said I had to sign papers in order to get things started. It is not the first property I buy, so I know papers are never sign before starting anything. Here I am in XX/XX/XXXX still getting calls every month about me missing payments and every months it 's a mistake on their part and they will fix my FICO by sending a correction letters, which I have not seen, except for one.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Debt collection (Medical) with Sarma (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Was in accident and was suppose be paid by workers compensation. Numerous calls were made to XXXX and spoke to XXXX and said not to pay it out of pocket and just wait for workers compensation to take care of this bill. They never did so I spoke to her and told her it concerned me regarding my credit and she said not to worry about it. I paid it in full on XXXX XXXX, 2015 and she stated all was okay on their part, now it reflects my credit tremendously due to XXXX XXXX XXXX sending to SARMA when I paid it before they submitted it in XXXX. Spoke to XXXX yesterday and said she would tend to it, but did n't recieve call back. Please help I have my receipt where it was paid in full back in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I spoke to on the phone to the representative and was told that my payment could get an override, i.e. changed from the incorrect amount they charged me of {$5000.00} to less than {$400.00} ( date of phone call XXXX/XXXX/16 ; representative name XXXX ). This did not happen. Instead I was charged {$5000.00}. The company 's response was to do a forbearance, but this is not a reasonable solution, since on my repayment plan I will just have to make a similar payment at the end of the repayment period.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX has lots of information omitted. 
Account Owner : Not individual was a business account. send proof it was a personal acct Date major delinquency first reported information missing Date of Last Acitivity is missing and accurate High Credit amount is missing this account has been disputed before for inaccurate and not reporting full information as per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Other debt) with Professional Finance Company, Inc. (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I noticed on my credit reports that there was a debt for XXXX XXXX in the amount of {$390.00}. I have since taken care of that debt in order to retrieve new service. I am requesting that this debt be removed from my credit report. I also have not had any correspondence stating that this debt was in collections.

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 non-monetary relief
Consumer complaint received 01-05-2017 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the loan off in full on XX/XX/2016. In XXXX I received a letter saying I owed still. The company started calling 5 + times a day. I sent in my receipts 3 times, I spoke to a supervisor who said they received the receipt and would have it taken care of and it may take 24 hours for them to stop calling. XX/XX/XXXX they took XXXX from my bank account which also caused a {$39.00} overdraft fee. I called the company they refuse to accept my receipt and stop electronics debits

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying to restructure my mortgage for years. Wells Fargo finally approved me with an offer of {$960.00} per month. I accepted their XXXX offer in XXXX 2015. They took their sweet time in sending documents to be signed for the loan modification. In doing so They added another payment to the over due balance. That in turn has jacked up my monthly payment to {$970.00} The greedy XXXX at Wells Fargo are trying to squeeze every dime they can from me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (NH).
Issue: Incorrect/missing disclosures or info

Complaint: I did a money transfer through Western Union. They charged a fee, which I knew up front and I am OK with that, well not really ( it was 7 % ), but at least I knew up front. A month later another charge shows up on my credit card. I called my card company to report fraudulent charge. The said it was n't fraud. It was their fee. They consider any transaction with any other financial institution to be a cash advance. I thought it was just another charge, as if I was out having dinner. They then informed me that was in my terms and conditions. If I knew I was going to have to pay over {$300.00} ( that 's 12 % + ) to get {$2500.00} to my son, I would either use my ATM card, have taken the chance and sent the cash over-night via XXXX for {$40.00}, or for {$300.00} I could have flown round-trip, spent some time with my son and handed the money to him.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Credit card () with DISCOVER BANK (NY).
Issue: Customer service / Customer relations

Complaint: On XXXX XXXX, 2015 I have made an online payment to my discover card which covered my full balance. Once the payment confirmation appeared, it stated that all my future direct payments will be cancelled. On XXXX XXXX, 2015 an additional payment, in the amount of my usual direct payment, was withdrawn from my bank account causing an overdraft charge. On XXXX XXXX, 2015 I have contacted the discover card in order to resolve the issue. The representative I spoke with told me that the amount of the direct payment will be transferred back to my bank account, however the amount of my overdraft charge will not be returned and that I have to ask my bank for the refund of that charge. I explained to the representative that the bank did n't make any mistakes and will not return the fee since the charge was made and was covered by the bank. To which the representative replied that unfortunately discover does n't refund bank fees. I once again explained that the overdraft was due to the mistake made by discover card and discover card should be the party responsible for the charge. Unfortunately I was once again told that the money I had to pay my bank will not be refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/29/2015 about Debt collection (I do not know) with Esser, James & Associates (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting threatening calls from this company about a " pre-legal '' issue that if I do n't give them information, they could sue me. I have no debts in collections or even late debts.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have sent several certified letters to equifax, XXXX and XXXX multiple times asking them to verify this chapter XXXX bankruptcy information in my credit report. Each time they send me a letter stating that the BK is valid as per third party source. I then sent a letter asking as to whom they received the information, again I get a letter back stating a third party source. I then contact the court system, they tell me that they do NOt. Report anything to the CRA and nobody called them to verify any information! I want this acct removed from my reports immediately as they did not follow the fcra!

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Bank account or service (Other bank product/service) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Account opening, closing, or management

Complaint: I had a line of credit with a local Ohio bank. I paid it off about eight months ago. The current balance is XXXX. Now I am refinancing my home mortgage with a different bank. They are saying that the bank with the line of credit needs to be paid {$350.00} for closing the account ( they have a lien on the house even though I do n't owe anything ). I never was told about such a fee at the start of this line of credit ( which I used as a second mortgage ). Normally commercial banks do not charge anything for closing an account. Is this legitimate?

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: To Whom It May Concern : The creditor XXXX/XXXX, did not present a contract ( VERIFICATION OF DEBT ) as requested in XX/XX/XXXX 2017. Also, one complaint has already been made with no resolution. The creditor has reported an inaccurate and unverifiable derogatory mark with all 3 credit bureaus. XXXX failed to provide the required verification of debt within 15 days of receipt of the initial CFPB complaint that was received, which is a Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Proper verification is a signature and verification that I have a contractual obligation to pay them as the Debt was written as loss to the creditor. For purposes of this subdivision, reasonable verification shall include documentation of the name of the original creditor, the name and address of the debtor as appearing on the original creditors records, the original consumer account number, a copy of the contract or other document evidencing the consumer debt, and an itemized accounting of the amount claimed to be owed, including all fees and charges. I am again stating that the debt is not mine and that no proof of my signature has been provided to verify this debt.

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 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is not a duplicate dispute new information ... XXXX XXXX and XXXX Bank are both reporting incorrect information regarding an account on my credit report. This account was paid in full and should have never been sold to 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 09/14/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: we keep getting calls from a company called portfolio recovery. they say there looking for a person who does not have this number. i have told them many times and they say ok we will take care of that yet they will call another XXXX times the next day they call at all times even on early sunday mornings. tell them stop calling and check my number and see who it comes up to i told them i am on the do not call list.and they still call some times after XXXX at night

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Advertising and marketing

Complaint: i tried to open a complaint or dispute a charge on my credit card and received no help from my credit card.i was litterly scammed out of XXXX from a company that called itself XXXX.the services they promised were never provided and that is why i turned to my bank for help.i thought elderly people were supposed to be protected from fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (NC).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: My Mother,,  XXXX   XXXX   XXXX  passed on   XXXX   XXXX   XXXX  . At the time of her death, she had a checking account and a money market account with  Wells Fargo . She  di8d h er banking at the  XXXX , North Carolina Office.   I am the co executrices of my Mother 's estate, and I have attached the documents for you to have.   The account number for my Mother 's account is: XXXX  Before  Wells Fargo  took over  Wachovia,   her account number was: XXXX    My Mother always told me, my brother and I were the PODs on her accounts with   Wells Fargo.
Upon, my Mother 's passing it   was discovered my brother was the joint owner of the account as well as he and I were porth listed as PODs. I fail to understand how you can be a joint owner and a POD.   I requested the attorney 's office to get documentation from Wells-Fargo. The attorney 's office was faxed  six ( 6 )  forms with the following dates :  XX/XX/XXXX    XXXX    XX/XX/XXXX    XX/XX/XXXX    XX/XX/XXXX  and a letter from Ms.   XXXX   XXXX  , Regional Private Banker stating the following : " I realize there was some confusion with Mrs.  XXXX  failing to sign onone of the spaces on the signature card, and there being additional beneficiaries listed. " etc. I have attached the letter for you to see.   I called Ms.  XXXX  at  Wells Fargo  in  XXXX  asking her for ALL the documentation concerning my Mother 's account. She hung up on me.   With that having happened, I called the  Wells Fargo  Bank in  XXXX , NC. ( I live in  XXXX , North Carolina, and asked one of the personal bankers to please get me the documentation 's for my Mother 's Account. I went down to the bank and took him a cope of the Co Executrices information in order for me to obtain this information. He was very helpful and in a couple of days, he gave me  nineteen ( 19 )  pages. I studied them very carefully and came up with many questions about the forms.  One  of which is : on the Consumer Account Application, my Mother signed  one  page, and on the third page she only signed "  XXXX   XXXX   XXXX  '' in the blocked for the customer 's signature. Why was this not corrected was  one  of my questions to him. His answer " oh that how they sometimes do things. " .The date for this action was  XX/XX/XXXX . On the " Relationship Change Application dated  XX/XX/XXXX  she and my brother both signed the forms. Then on on  XX/XX/XXXX , on another " Relationship Change Application on she, my Mother signed the forms, with PODs being added.   I am totally at a lost about all the items not done on the forms and with the answers that  Wells Fargo  has given me- '' Oh that 's just how they sometimes do it. '' That answer makes NO SENSE to me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: What happened to my XX/XX/XXXX alert email? XX/XX/2016, the the associate had told me that I had to cancel my debit card in order to reopen my claim because I did not report as stolen card and there was no 48 hours response concerning about the 60 days period from you, XX/XX/2016.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (TN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Yes my middle initial is incorrect with XXXX, they have the middle initial as XXXX When it 's suppose to be a XXXX Which stands For XXXX please correct my middle initial in my name with XXXX. Thank you! 
Also I am XXXX and I have been totally discharged from my students loans since XXXX/XXXX/2017 I have documentation for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A XXXX XXXX XXXX credit card account appears on my Equifax credit report, I have been trying to fix it since XXXX, its XXXX and the problem is still not solved. I have been into the bank, spoken with a banker, they wrote my a letter saying that It was going to be fixed in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Three years ago we refinanced our home with XXXX XXXX to get a lower interest rate. During the first year of this refinance we received a notice stating that we needed to start sending our payments to LoanCare, XXXX. We did this for nearly two years, during the last 6 months or so we got behind on our payments and was offered a Loss Mitigation by LoanCare. This Loss Mitigation was approved for a four month trial period. We made our reduced payments every month during this trial. In XXXX Loan Care sent us a notice that we no longer qualified for the loss mitigation and that we owed the full amount in mortgage payments. They did not give us credit for the payments that we made during this four month trial period. We have been unable to get anyone from LoanCare to give us a reason why this money has not been applied to our account. We feel that an investigation should be filed in order to find out if this is a common practice for this company and put a stop to this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Debt collection (I do not know) with NCC Business Services, Inc. (AP).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: REPEATED BY PHONECALLS FROM XXXX NCC BASED IN FLORIDA. THIS COMPANY IS INF VIOLATION OF THE FAIR CREDIT REPORTING ACT AND I HAVE DISCUSSED THEIR TACTICS WITH LAWYERS. THEY MUST BE INVESTIGATED AND PROSECUTED!

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I disputed this account several times with them and with the credit bureau. This has been a on going issue with them. When I mail them something they say they never get it. I asked for a supervisor to call me on XXXX/XXXX/15 and they still have not called. I called back on XXXX/XXXX/15 and requested again a supervisor to call me. still no call from a supervisor. They told me last month they was going to mail statement I still have not received anything from them. This is going on 3 months now that it has been disputed! It should not take this long to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: the credit has been Closed and Canceled and is no longer agented by or participated in by the current reporting bank and must be removed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Credit card () with DISCOVER BANK (AR).
Issue: Billing disputes

Complaint: My granddaughter XXXX XXXX is XXXX in college with XXXX scholarship in XXXX, Ar. Her home is in XXXX, Ar. approximately XXXX miles from XXXX. 
She injured her XXXX and someone suggested she go to trainer ( XXXX XXXX ) for XXXX. XXXX XXXX works at XXXX XXXX in XXXX Ar. I authorized XXXX to use my Discover card ( XXXX ) as payment for one month of XXXX, consisting of XXXX XXXX secessions for total of {$300.00}. 
XXXX met with XXXX XXXX and agreed on a XXXX month treatment program of XXXX XXXX. XXXX was asked to sign an electronic pad. XXXX never received any copy of the contract they placed her signature on. She attended the XXXX XXXX as agreed and then never went back. 
After 3 months I noticed the monthly charge of {$300.00} & {$21.00} on card statement. I called XXXX and she said she did n't know what charges were for because she had completed her agreement and had not been back. 
I called the XXXX XXXX office and after a discussion requested a copy of contract. I ask them to stop charging the membership, and they stated that there would be a cancellation fee of {$200.00}. They stated that XXXX signed a contract for 12 months and not 1 month. XXXX stated that she would never waste my money by signing a one year contract, knowing that she would only be in XXXX during school and home in XXXX the rest of the year. 
On XXXX XXXX I called Discover and requested a block payments from XXXX XXXX XXXX XXXX ( the owner of XXXX XXXX in XXXX, AR. ). I then called XXXX XXXX. He agreed that XXXX only received XXXX treatments. He said they would refund the other charges and remove her form their data base. A few days later XXXX forwarded an email from XXXX stating that there would be no return of unauthorized charges. 
Enclosed are copies of disputes and block charges with Discover and email from XXXX XXXX, and copy of contract that XXXX name was placed on without her knowledge or consent.

Company response to consumer: Closed with monetary relief