milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/19/2016 about Credit reporting () with Experian Information Solutions Inc. (ID).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Once again I got an email telling me they have fixed the issue. Yet they have screwed it up even more. Now every single account I have had and have with XXXX except the one that was actually discharged, notes that it was discharged in bankruptcy. Even my current 15 year mortgage that I got post bankruptcy says it was discharged. Experian is committing several egregious violations of the FDCPA. If they were actually validating these accounts then XXXX would be telling them the true status. Also on the XXXX XXXX/HELOC for XXXX ( the one that was actually discharged in bankruptcy and the only one that needs to be marked as discharged. ) XXXX still claims a mortgage lien on the property so if they sold it or transferred it as you are insinuating then why does my title say different?

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 04/29/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (SC).
Issue: Struggling to pay mortgage

Complaint: I filed a complaint with your group and the company submitted inaccurate information. Company advised they could not speak with me, I spoke with  Wells Fargo on 2 separate occasions. Wells Fargo  has continued to conduct deceptive business practices which should be illegal. They tried to foreclose on my home initially by not going through the proper channels. They stated I had abandoned my home and submitted paperwork legal documents to clerk of court to expedite foreclosure. Next they advised you all they would try to help me with appeal, they denied my appeal with continued faulty explanation. During this entire process they have continued simply wanting to foreclose on my help since it is insured by FHA. They have did this thousands of times to many consumers and your group CFPB has allowed this practice. You closed out my prior complaint without giving me the opportunity to respond. I am writing my local representative i n Congress and the Senate along with SC Dept of Consumer Affairs. I was advised your organization was the group to submit a complaint but you continue to allow such behavior without any oversight or accountability on the behalf of Wells Fargo. Again I did speak with Wells Fargo and they did refuse any help or any possibility of help. Will your organization please hold Wells Fargo  accountability and do a thorough investigate my case. 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 12-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: When you call the phone number for TransUnion- you get pitched a variety of other services such as XXXX XXXX auto insurance, XXXX XXXX, and free vacations. Meanwhile, you can not get through to a human being who can explain how to activate either a fraud alert requiring notification and permission for anyone to run a credit check on you or a credit freeze. How can an organization like Trans Union who has so much power over the average person 's lives be so disrespectful of communicating with us apparently perceived 'little people. ' Thankfully, I have XXXX who did find a phone number for me and wound up teaching me how to set up an account at Transunion and to notify me of the option of placing an alert on the account, and how to complain to the FTC about it!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I previously filed a complaint against PennyMac Mortgage ( Case number : XXXX ) that was never resolved by the cfpb. The complaint then and now, is that the lender is taking advantage of consumers who enroll in the PennyMac Autopay Biweekly payment program and unfairly NOT reducing the principle balance of mortgages when the biweekly payment is received. The attached payment history clearly shows that biweekly payments are received, but the principle balance is not reduced at all until the end of the month. Meaning that consumers are unfairly paying interest on the incorrect 'higher ' principle balance for those couple weeks each month. PennyMac continues to refuse to apply the principle portion of the biweekly payments to the principle balance when it is actually received. The whole reason for enrolling in the biweekly payment program is to pay off the mortgage early and reduce interest payments over the life of the loan. This practice of NOT applying the principle portion of the bi-weekly payment 'as soon as it 's received ' and waiting until the end of the month, is unfair predatory deceiving and not understood by most consumers. The impact of this practice over the life of a 30 year mortgage is substantial and to the benefit of the lender not the consumer. While PennyMac may have disclosed this practice in fine print somewhere, most if not all consumers do not understand the negative impacts of this practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: MY LOAN WAS TRANSFERRED TO GREEN TREE IN XXXX XXXX FROM XXXX. XXXX XXXX I received a paper from them showing these fee 's that they added on and when I called them they could not explain it. I know I was n't behind on my escrow and my taxes went down as well. That 's the month when it started. I told them I was waiting to hear about my modification from XXXX and they said that I have to apply for a new XXXX with them. So I did and they denied me. I tried again and once again they denied me and said even though my house is worth XXXX the appraised amount they the house is worth is XXXX. 
When I applied for the modification again for the second time. they denied me. in XXXX XXXX. So I wrote a letter to appeal it and I did n't get anything back from them this time. So I called in XXXX and ask them what should I do next. First they said that they did n't get my appeal. And then they put me on hold and said OH YEAH WE FOUND IT. And they will be sending me out the paper work so I can reapply for the modification. While I 'm reapplying for that I get a letter in the mail from downtown. Saying they filed a foreclosure on my house. Which I did n't understand if we appealed it last year in XXXX. and they must have lost my paperwork. So between XXXX starting this an sending it over to green tree. Which Green tree is not helping not one bit.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a notice from Convergent Outsourcing, Inc. XXXX WA claiming XXXX , XXXX records show a balance of {$110.00} due, and seeking payment to Convergent. I checked my XXXX balance online at XXXX, and it shows XXXX due. Looking back to XXXX 2013, XXXX records show I made XXXX purchases using XXXX, and both were paid in full essentially immediately. I believe that Convergent is fraudulently seeking to have individuals make payments to it with spurious claims.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: It is my belief that this creditor has re aged these accounts. Further, they are falsely reporting payments as " missed payments ''  (  late ). In my initial letter demanding clarification and correction, this creditor failed to provide an adequate accounting of my payment schedule. I believe they do not have records detailing the beginning and ending of my loan with this creditor.

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 12/29/2015 about Debt collection (Payday loan) with Cooper Hoffman Klein Associates (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Debt collector called my minor son and left threatening message regarding a debt I do n't owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I recently started looking into my credit report because I plan to buy a house in the next year. When I pu lled my report I noticed multiple late payments shown under my student loans with FedLoan Services.  I called into the customer support line  XXXX   XXXX ,    2017 and inquired about the late payments. The associate confirmed my loans were deferred or in forbearance at the times of the reported late payments. Since there is no way to report my loans as current and late at the same time I requested the derogatory information be removed from the my reports. The associate informed me FedLoan Services would n ot be able to do that. I have sent letters to the company and am currently awaiting a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Summary : Unable to access my accounts online as of XXXX at XXXX, through XXXX app, mobile website, or desktop website. 

On XXXX, I made a total of XXXX phone calls to Wells Fargo, XXXX to customer service XXXX, and XXXX to XXXX, which is supposed to be the online banking department. 
responses ranged from the automated system hanging up on me, to a supervisor hanging up on me after asking the same question repeatedly, even though I answered the question multiple times. 

I was able to determine that my accounts are active, but I am not able to access my accounts online.

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 05-11-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I apply for a XXXX XXXX and they used Equifax to obtain a full credit report on me. My application had an incorrect social security number written down on the online application. ( I kept screen shots of my online application ) Equifax sent XXXX XXXX my credit report and placed a hard inquiry on my credit report. It took several months but the inquiry was removed by XXXX after great effort on my part. I would like to know what person information does a financial intuition needs to provide a credit report agency before the XXXX will send out a full credit report on an individual back to the requesting company? Can an inquiry be moved from the hard inquiry section to the soft section of a credit report for other reason than fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I 've disputed credit line entries on XXXX, XXXX, and Equifax credit reports. Many credit report line entries have been adjudicated by CFPB including robo-signing by major national bank credit card accounts such as XXXX, XXXX, XXXX XXXX XXXX plus more. 
Additionally, these fraudulent credit card accounts are resold to predatory debt collectors - adjudicated by CFPB already. Many debt accounts are XXXX or XXXX debt placements and many exceed MN Statute of Limitations for debt collectors. I require CFPB assistance?

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I originally borrowed about XXXX for XXXX and XXXX school.Over the years I never really made enough money to pay them back. I was told that my deferment time was all used up and they said to put it into forbearance. Not sure if it was true about my deferment being used up. So now my amount is up to XXXX. The loans were taken out early to mid XXXX for XXXX probably through XXXX XXXX and XX/XX/XXXX to XX/XX/XXXX for XXXX XXXX XXXX/Navient. I always thought forbearance both ran out at some point as well. This is still my understanding. I truly feel that they were n't looking out for my best interest. I 'm XXXX now and I do n't see how I can pay them back. I 'm only making XXXX now despite my best efforts to get a better paying job. Right now I 'm under an IBDR plan and paying nothing based on my current salary. I believe if they had worked with me with my best interest in mind somewhere along the way we may have been able to work something out. But now with limited income and high student loan debt, I 'm turning to you. Ive requested copues from Navient and they have never sent anything despite saying they would regarding copies of the original paperwork. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: A bankruptcy along with non-approved inquiries was dispute over 30 days ago and a removal was requested. I have a certified receipt of delivery of that request. No action has been taken by Experian as of this date, XXXX-17.

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 07-01-2016 about Credit card () with TD BANK US HOLDING COMPANY (OH).
Issue: Late fee

Complaint: I always received my statements and notifications by e-mail. Faithfully I 'd receive my target emails every month. Then it stopped. I figured my balance was paid off since I was n't getting any more alerts or statements. Then yesterday I get a letter in the mail stating it was an attempt to collect debt. I paid my bill immediately considering I did n't even know I had a balance of any sort. But I received no notifications of payment due. Not sure if it went into my spam-it never done that before and we had the credit card for years-but even spam deletes itself after a certain time, so I could n't even be sure it went to my spam. Just know i did n't receive any alert. I am more than happy to pay the balance but not the steep {$130.00} fine. I called several times and they wo n't remove it. I am a faithful paying customer with a high credit score. They should check my history and see this is not my typical response, considering I 'd been a customer for years. Also I did n't receive any form of letters in the mail until after fifty days. If my account was overdue I should 've been alerted by mail way before this.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (I do not know) with D. SCOTT CARRUTHERS (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A man introducing himself as XXXX XXXX leaves voicemail messages indicating that he is calling from the Law Offices of D Scott Caruthers and to return his call at XXXX. Calls on a very frequent basis. Calls are invalid and annoying. Bordering on harassment as the nature of the call is never disclosed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06-07-2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I filed a complaint with XXXX XXXX XXXX XXXX and their researched found there to be no loan of any type in my name with their company. I then sent all three reporting agencies that information they still are reporting XXXX accounts.

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 10/29/2017 about Vehicle loan or lease (Loan) with Westlake Services, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX CA I have contacted this company at least 20 times. They are reporting my account as Paid, was a charge-off. My account was paid in full prior to charge off. I even received a refund check from the company for overpayment. How can they charge off an account I overpaid? I have requested them to update my reports and they are stating that the charge off is correct. If this was charged off, why do I still have my vehicle?

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Portolio Recovery Associates LLCThis company, in which I have never been contacted before ( have had the same cell phone number for over 8 years XXXX, had contacted me on my cell phone and stated that I owe a debt to them. 

I asked them to provide all information regarding the debt including : who the original company was, proof of my authorization on all original contracts, how many other collection agencies prior to them that was involved in this debt collection, etc. 

The person on the phone could not answer any of my questions and insisted on stating that I owe them money in the amount of {$700.00} dollars XXXX or similar amount ). And I need to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (FL).
Issue: Account opening, closing, or management

Complaint: Paypal is holding {$13000.00} of my available money for the next 90 to 180 days. I sold a XXXX security tower on XX/XX/2016 on ebay for {$24000.00}. The buyer paid for the item immediately and paypal showed the balance as available in my account. I made arrangement for the buyer to pick up the item ( which comes with a florida title and registration ) in 3 days. I then tried to withdraw {$300.00} out of my local ATM the next morning after I had received clear payment, but my transaction was denied. I was very alarmed so I called paypal to find out what happened. Paypal informed me that they had associated my account with a delinquent account that was 14 years old ( my current paypal account has been in good standings without question for the last 12 years, and payapl has never tried to come after me for a delinquent account prior to this ). I informed paypal that the delinquent account did not belong to me and asked them to do a fraud investigation. They proceeded to conduct XXXX " in-house '' fraud investigations over the next 48 hours only to inform me that they still believed it was linked to me. During all this time I have a balance of {$26000.00} which paypal is holding ransom until I agree to pay {$1000.00} for this other delinquent account. YES YOU HEARD ME RIGHT, INSTEAD OF FREEZING {$1000.00} OUT OF MY {$26000.00} BALANCE THEY EXTORT ME BY HOLDING MY ENTIRE ACCOUNT RANSOM UNTIL I AGREE TO PAY THEIR CHARGES. So I reluctantly pay the {$1000.00} to gain access of my money, but I did have them note that this delinquent account still was not my account and the only reason I was paying it off was because they were making me do so to un-freeze my account. Now my account is active again for 2 days before another department of paypal freezes my account AGAIN and will not let me touch my money. The merchant division of paypal freezes {$13000.00} and tells me they are going to hold my entire account for 90 to 180 days. Mind you the buyer has already taken possession of the item ( with a florida title and registration ) so I do n't have the option to cancel the transaction. Now I 'm stuck without my item and with a frozen account for the next 90 to 180 days. I use ebay and paypal as my main source of income to provide for my family of XXXX. Now I ca n't make any sales because every penny that goes into my paypal account is frozen up to {$24000.00}. The buyer has also agreed to sign an affidavit relinquishing all of his right to come after paypal or his credit card in the future. Paypal said that wold not change anything, they still would need to hold the money for 90 to 180 days. 
PLEASE PLEASE PLEASE HELP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/29/2017 about Vehicle loan or lease (Loan) with American Credit Acceptance, LLC (TX).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I recently purchased a used car for XXXX. This was in XXXX of this year. Then Hurricane Harvey totaled my car and then the car company, who had put a full coverage insurance policy on my car, declared that I still owed then XXXX after they took the car in and their in house insurance company declared that they could only pay less than half of the damage. They even kept the car and sold it. The finance company is American Credit Acceptance , LLC, XXXX XXXX XXXX, XXXX Tx XXXX. And the Insurance company is the XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA 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 11/21/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (AZ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Company name : XXXX XXXX, AKA Care Credit Card on XXXX/XXXX/17 ; the Check from CareCredit ( medical credit card ) was returned and assessed a {$12.00} return fee. The check was completely legitimate and there was no reason to return it and not honor the check. I called the Credit card company and faxed them all the necessary paperwork to get {$400.00} credit back to my account, they agreed and put it in the notes that it was approved by accounting department ; however, when I called later they kept telling to wait and never honored they commitment to issue a new check or credit my account. I would like the {$400.00} credit and the {$12.00} return item fee back on my account.

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