milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2017 about Mortgage (Conventional home mortgage) with GOLD STAR MORTGAGE FINANCIAL (MI).
Issue: Trouble during payment process

Complaint: Summary : I several times applied for the PMI cancellation, strictly following the procedure described in the closing documents, however, the Gold Star Mortgage Financial Group, XXXX XXXX MI, did not even respond my letters. <P/>1. I closed purchasing the house on XXXX XXXX XXXX. The property price was {$120000.00}. The conventional mortgage for {$110000.00} ( which is 95 % CLTV ) had been provided by the Gold Star Mortgage Financial Group, Inc. <P/>2. Upon received the closing disclosure on XXXX XXXX XXXX I found that the PMI monthly payments had been suddenly and significantly elevated compared with the figures disclosed before. My objections were ignored. <P/>3. To avoid paying this elevated PMI, I chose to prepay {$18000.00}, to reduce the principal lien to {$100000.00} and accordingly the CLTV to 80 %. To achieve this, on XXXX XXXX I sent a letter to the Lender with a check for {$8800.00} and informed them that on XXXX XXXX XXXX I would send them another check for {$9900.00} and requested to cancel mortgage insurance. The Mortgage Insurance disclosure signed at closing explicitly claimed my right to demand the PMI cancellation once the principal debt ( $ XXXX $ XXXX $ XXXX {$100000.00} ) reduces to 80 % of the original purchase price ( $ XXXX*80 % = {$100000.00} ), which occurred prior to XXXX XXXX XXXX. <P/>4. The Lender did not address my request, they even did not clear checks for a while. On XXXX XXXX I sent another letter, reminding about my right to partially prepay the principal with no penalty. After this the checks were cleared, however, there was no motion with the PMI cancellation. Upon my visit to the Lender 's office, on XXXX XXXX I sent a third letter to the Lender, to emphasize that their position and a wish not to do anything with the PMI directly contradicts to the closing documents. However, still there is no motion about the the PMI cancellation. <P/>I am attaching only my letters to the Gold Star Mortgage Financial Group. The closing documents look standard, however, can be sent upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I pulled my credit report from XXXX, Equifax and XXXX XXXX and an unauthorized entry from XXXX. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX, Equifax and XXXX XXXX regarding this account and they have yet to provide any validation regarding this unauthorized account. XXXX XXXX did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Colony Brands, Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have reached out to XXXX a many time to remove there negative reporting on my credit report I was told after I paid my charge off they would remove from my credit report which have not done as promised

Company response to consumer: Untimely response
Consumer complaint received 02-07-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I just logged on to a credit site to join and look at my report. I noticed something listed under " Deragatory ''. Looking further, I see a company, ( collection agency ), named " Syndicated Office Systems ''. XXXX or XXXX NY I believe. 
I went to check them out so I could get a phone number to call. 
I run across articles on how the Government just came down on them, and they were fined millions for what it appears has happened to me. Not making proper contact and allowing consumers to address any issue before it gets on their credit report. 

I was just amazed as they were in trouble in just 2015? 

So, a at age XXXX, I have XXXX bad item on my credit report. And get this, ... its for {$35.00}. Are you kidding me? 

Today was the first time I was aware it was there, and only because I went looking. 
I have never had any contact with these people. No letters, no calls, no emails, no work calls. 

What should be my next step or am I already included in the class action suit against them? 

Thank you so much. XXXX XXXXXXXXXXXX XXXX XXXX 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 05-07-2015 about Credit card () with CITIBANK, N.A. (WA).
Issue: Credit card protection / Debt protection

Complaint: On XXXX/XXXX/2015 I called Macy 's customer service line to report that as of this day I had not yet received my new Macy 's card. I was told by " XXXX '' that it takes 7 to 10 business days for the card to be received, which at this point was beyond the expected dates. XXXX proceeded to ask my home address to verify they had the correct address and she informed me that they did. She informed me she would have to report my card lost/stolen which is what I expected be done since I did not have the card in my possession. XXXX asked for my mothers maiden name and I provided that information thinking that I was asked that information when I initially applied for the card, however, when she asked my place of birth, I refused to provide that information because I was sure that I had not provided that information and I had already answered all the questions that pertained to my identity initially. As this point XXXX reported that she was not going to be able to proceed with reporting the card lost/stolen because I refused to answer where I was born. I asked to speak to a Supervisor. The Supervisors, whose name I did not get, told me that XXXX had talked to her about the situation. I explained to the supervisor that I have already had a past experience with fraudulent activity using my credit information and I was not going to provide them with information that they did not request for initially when I applied for the card. The supervisor told me that she could not " override the system '' and would not be processing the card as lost/stolen. The supervisor admitted that my mothers maiden name was not requested initially as was not my place of birth. I asked how she would know that I was giving her the correct information then and she responded " we trust you. '' I told her I did not trust her and that was why I was not giving her information they did not have to begin with. I told her the logic that they are using to report the card lost/stolen did not make sense and I refused to give her the information. Hence, she told me she was not going to file the card as lost/stolen then because I refused to provide them with my place of birth which I told her was " none of her business. '' I am concerned that if this card is found or has been delivered to the wrong address and it is used, I will have to go through all the steps to ensure that I did not use this and this I know can take months or longer and I am not willing to allow that to happen. Furthermore, since I have not received a credit card, I do not have any information about their policies when reporting a lost/stolen card. I have a bill that does not provide information regarding how to handle this type of situation either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 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: Information belongs to someone else

Complaint: This company is representing an apartment complex I lived at. After two years they  are stating I owe them $ XXXX. I have attached email between me and the apartment property management. They have now sold the file to a collection company while in dispute. Also I stated the rental box was broken into when I put in my 60 day notice. Should n't they have all this information? Should they have not done a police report? 
Property : XXXX XXXX XXXX Unit : XXXX Account # : XXXX Current Balance {$5400.00} I have disputed this prior to being sold as not mines and I do n't owe any moneys why they have sent collection is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Consumer Loan (Installment loan) with FIFTH THIRD FINANCIAL CORPORATION (GA).
Issue: Taking out the loan or lease

Complaint: During the month of  XXXX    XXXX  , I went into Fifth Third Bank to apply for a Unsecured Flexline load application ID #  XXXX . I was told that I had been denied of this loan and received a letter with alot of not true facts. For  one m y credit was  XXXX  which you only need a  XXXX , I have a car loan that has been paid off in full with a long length of credit. I dont have any credit balance on my credit repo rt. Fifth Third Bank turn ed my down but the next day  XXXX   XXXX  gave me a personal loan and a credit card,   XXXX   XXXX   XXXX   gave me a credit card as well. These banks was looking at the same credit report. Because who ever the underwriter was on my application didnt do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been spending countless hours making phone calls and writing to Transunion credit bureau in regards to XXXX accounts that have been inserted to my credit that are not mine. XXXX the accounts were originally removed now they have been placed back to my credit and I do n't know why. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 09-02-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Agency will not remove incorrect information and will not allow dispute again.

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 05/13/2016 about Consumer Loan (Installment loan) with FIRST NATIONAL BANK OF PENNSYLVANIA (OH).
Issue: Problems when you are unable to pay

Complaint: In XX/XX/XXXX and XX/XX/XXXX, in a desperate situation, I took out a loans from Regency Finance, formerly known as XXXX XXXX, in XXXX, OH. Phone number XXXX. The total amounts of the XXXX loans are just under {$2000.00}, which I have paid MUCH more back on since then. I acknowledge that I signed the paperwork knowing that it was a high and unfair interest rate. I have remained caught up on my payments ever since. Occasionally, especially in the past year, I have fallen a month behind, but always make TWO month 's payments simultaneously to get caught back up. In the past few months, this company has grown increasingly hostile towards me. This ranges from calling me at my work, on my phone at all hours of the day, and making snide comments to me when I go to their office. Before I observed this attitude from them, I always communicated if I fell behind to tell them I would get caught up. I feel like their business practices of using people 's desperation as a commodity is a microcosm of what 's wrong with America in the 21st century. I do n't, and have never had any intention of defaulting on my payments with them, but I am sick of dealing with them directly. Today, they called my place of work, The XXXX XXXX XXXX in XXXX, OH. I have never even told them that I work here. They refused to tell my secretary why they were calling.

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 05-04-2017 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (KY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have a a unverified account from  PORFOLIO RECOVERY ASSOCIATES  #  XXXX  .I ha d previously disputed this account. I have never done business wit h PORFOLIO RECOVERY ASSOCIATES.    Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g, I dispute the validity of the debt purport Iowe. I request that PORFOLIO RECOVERY ASSOCIATES Provide verification of the following : 1. ) The original Application or contractany signatured documents  legally binding   XXXX   XXXX   to do business with said company.   2. ) Any and all statements allegedly related to this debt  3. ) P roof of Claim and Full   Contract Agreement with Original Creditor.
4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. )   An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PORFOLIO RECOVERY ASSOCIATES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Trouble during payment process

Complaint: My Name is XXXX XXXX and I had a Mortgage that was paid 13 years ago with a company called Select Portfolio Servicing old loan # XXXX Once a mortgage is paid off, the company had a duty and obligation to record the mortgage as satisfied with the county. About 3 months ago, it was discovered that the company did not properly record the satisfaction of mortgage with the county. Select Portfolio Servicing Inc recorded the satisfaction with the wrong instrument number, therefore not acceptable to the current title company to issue title. I was delayed from conducting the real estate transaction for the last 60 days. The new title company pulled a copy of the original mortgage and the satisfaction instrument and it was clearly recorded incorrectly. All was presented in a nice clean file to the Select Portfolio Servicing Inc 80 days ago. To this day, there is no resolution on this case. When you call in, you have to explain yourself over and over again. I just get the run around. I made 47 phone calls and have spent over 6 hours on the phone. They keep on blaming this issue on their reconveyance department. I need to sell this house ASAP. Please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Other

Complaint: Capital One Card reports my XXXX score as XXXX, but the actual posted score reads XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Other financial service (Check cashing) with Fidelity National Information Services, Inc. (FNIS) (GA).
Issue: Customer service/Customer relations

Complaint: XXXX and a company called Certegy asked for Social security number to cash a check. Why does Certegy have my social? I did n't give it to them. I did n't approve access to my personal information. Can you help me figure how this happened and what I can do about protecting my information? I do n't want this company to have access to my data, yet it seems they do. 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
Consumer complaint received 10/24/2016 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX, my husband and I locked in a mortgage interest rate of 3.25 % with .125 % credit, for 60 days with Citizens Bank. This rate was contingent on my opening a Citizens Bank account, which I proceeded to do. However, when we received the closing disclosures for my mortgage on XXXX XXXX, the interest rate was listed as 3.5 % ( or 3.375 % with a Citizens Bank account ). When I inquired about this discrepancy, my loan officer told me that there were utilization ratio issues, but that she had taken the needed steps to get the rate I had originally been quoted and had submitted all necessary documentation for approval of the originally quoted rate. My loan officer later confirmed via phone that this had been approved. 

We received the final closing disclosures the evening before our closing ( which was scheduled for XXXX on XXXX XXXX, after having been delayed by Citizens for several days ). The interest rate had not changed. I emailed my loan officer multiple times but received no response until I reached her by phone the next morning. She told me she was working on getting the rate adjusted as promised. However, a mere two hours before the scheduled closing, she informed me that she would NOT be able to give us the rate that had been locked in. She suggested postponing the closing on our purchase until after the closing on our sale ( which was scheduled for the morning of the next business day ). 

Because it was only two hours before the closing and we 'd had issues even getting the seller to the closing table, my lawyer strongly advised against postponing the closing. Doing so would have put me in breach of contract, and we had no viable options for postponement or alternate loans at this late date. I was forced to close with a difference in the mortgage interest rate that increases my costs over the lifetime of the 30-year loan by about {$30000.00}. My loan officer loan officer told me that the best she could do was to refund the closing costs ( {$840.00} XXXX, which she requested to be expedited. Unfortunately, it 's been over two months and we have yet to see this credit or even have an update as to when I can expect it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. BANCORP (WI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Have a XXXX call me saying he is with XXXX dispatch or XXXX thats working in XXXX to attempt to collect a debt or finalize a court summons on a debt I do not owe. They have called me recently Thursday XX/XX/XXXX and Monday XX/XX/XXXX. After calling me and leaving me a voicemail they have also called my family. On Thursday they called my XXXX on her home phone. Which is a number I never once used. Monday they called my Husband XXXX, Sister XXXX, Brother XXXX and Father XXXX. My sister had from them calling a previous time told them she was filing a complaint again them for calling her. Making sure they do n't call her again. Clearly they did. My father XXXX they called on his corporate line. This line does not come up his name but the name of his Employer.

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 08-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: In  XXXX . 2017, I made a payment towards my Wells Fargo Bank Credit Card of {$320.00}. After that payment, I did not receive any paperwork from Wells Fargo that anything was wrong with my Wells Fargo Credit Card. When I went to make my   XXXX   payment on-line, it said my account had been closed. What is more confusing is that in  XXXX , I received a new credit card for this account. When I called to ask what happened, I did not receive any information. All they would tell me is that it was closed. I demanded to know why. Not until   XXXX   did someone tell me that in  XXXX . when I made the {$320.00} payment, According to Wells Fargo Bank, N.A they claimed that I should have made a {$370.00} payment. Never did I receive paperwork about this or was notified that I did not pay the full amount in  XXXX . When I was told in  XXXX  about why they closed my account, I was then informed that my account would be charged off. My question to them was : " Why was I receiving a new credit card after this account was closed? '' as it did not make any sense to me. Wells Fargo has been sued by the CFPB just last month as it appears that over 68,000 consumers were defrauded in this very same manner by closing my account and then destroying my credit score, and opening another another account, without my permission. ( at a much higher interest rate and including unfavorable terms to me, the consumer. ) They are unwilling to admit that they are complacent in this credit card Fraud scheme, all of which is in violation of the federal law refered to as the Fair Debt Collection and Practices Act.

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 12/25/2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This complaint is against American Express ( hereinafter AE ) regarding their repeated attempts to collect an amount that is inaccurate, and based on a breech of agreement on their part, whereby, the AE that dates back to XXXX 2014. The account agreement interest rate on the account should be 18.24 %, and is now being billed at over 29 % in violation of their own agreement. 

The account in question is being overcharged, and and shoped around to various credit reporting agencies in an effort to mar my credit and reputation, and causing me to be unable to obtain other credit. 

In addition, the AE account in question and appearing on my personal credit report as a negative item is a business account for XXXX XXXX XXXX, XXXX and should not be on my personal credit report. 

I first tried to resolve this matter with AE, and later disputed the negative item on my personal credit report with all three major credit reporting agencies, XXXX, XXXX and XXXX all to no avail, and with no response that my disputes with their perspective firms were investigated. To date, I none of the aforementioned have provided sustaining documents to validate the information all have placed on my personal account as negative.

Company response to consumer: Closed with explanation