milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2017 about Mortgage (Conventional fixed mortgage) with PLAZA HOME MORTGAGE, INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2017, I went on the website of Plaza Home Mortgage XXXX XXXX XXXX XXXX to pay my XXXX 2017 payment. The was accepted and i received a confirmation that the payment was received. I fact, at the bottom of the confirmation page it states " Your payment was successfully completed. Thank you for your payment. Please retain your confirmation number for your future reference. NOTE : Payments may take up to 2 business days to post. however, the transaction will be effective for the date submitted. '' ( Attached as Exhibit A ). This makes PLAZA liable for this payment. On XXXX XXXX, i received my paycheck and logged in to my bank account. i noticed that the mortgage payment had not been deducted from my account. I called Plaza Home Mortgage to fine out why. I was told ( 1 ) my payment was rejected by Plaza and ( 2 ) the mortgage had been transferred to another service provider on XXXX XXXX and that i would be receiving information and ( 3 ) my next payment was not due until XXXX XXXX. I asked them why that was n't noted online on XXXX XXXX and the representative did not know. I said okay thank you. 
As of XXXX XXXX, i had received NO NOTICE FROM PLAZA that my mortgage was being transferred. TO DATE ( XXXX XXXX, 2017 ) i have received no notice from PLAZA. In a letter dated XXXX XXXX, which i believe i received on or about XXXX XXXX, I received notice ONLY from the new service providerXXXX ( attached as Exhibit B ) that they were the new service provider. 
I established an online account in order to make the XXXX payment. On the XXXX 's website, it was listed that my next payment to them was due XXXX XXXX, 2017. Therefore, I made an additional payment with this money on my credit card due to the information i received both from XXXX 's website and Plaza representative. 
In then received a statement from XXXX stating that i owed XXXX 's payment. ( Attached Exhibit C ). After trying to resolve this matter with both XXXX and Plaza, i have been unsuccessful. I do not have an additional payment now to be made to bring my account current. 
Plaza insisted when i tried to resolve this matter that they mailed me a notice. I asked if they had proof of delivery or mailing, i was hung up on. 
I am requesting that the XXXX payment be removed due to Plaza 's lack of timely notification to me that a transfer was taking place that they are required to do.

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 05/17/2016 about Payday loan () with Big Picture Loans, LLC (GA).
Issue: Charged fees or interest I didn't expect

Complaint: I applied for a XXXX loan with XXXX now known as BIG PICTURE loans i was not made aware of the extremely high interest rate of at 846 percent until after I signed the contract and received the money.i applied for this loan in XX/XX/XXXX and I have been paying XXXX dollars every two weeks toward what they call a finance fee but my loan amount is still XXXX due to them adding a XXXX dollar fee to my loan I was told by the rep that I needed to pay more money toward the finance fee so it would go toward my loan balance this has caused me hardship and I have been upset that I got tricked by these sharks I even went as far as changing my bank information so they could not get anymore of my money

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Consumer Loan (Installment loan) with BlueChip Financial (CA).
Issue: Managing the loan or lease

Complaint: When I called into payoff my existing balance on my loan for my Spotloan account on XXXX/XXXX/16. They told me that they are unable to process my payoff until XX/XX/XXXX so that they could collect more interest on my account. Since my finance rate is very high, I thought the process is unfair. 

Cordially, XXXX

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (AR).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo flagged my credit for a late payment without notifying me that there was an outstanding balance on my account. I have multiple accounts with Wells Fargo and my information was up to date. Their " attempt '' to contact me was a quick phone call with no introduction and asking for the wrong person. Not only did they fail to introduce themselves at all ( name or company ), my name is on the account and they got it wrong. I figured it was just another telemarketer, but I found out later it was Wells Fargo! I have had this account for over 15 years with them and they could n't even complete a professional phone call to inform me of an issue with the account. Also, no attempt was made to email me or leave any messages. As soon as I was aware of the overdue amount, it was paid immediately but my credit score still dropped more than XXXX points. It was much easier for them just to cause severe damage to my credit than to make an attempt at customer service. I would not recommend Wells Fargo to anyone.

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 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: THIS IS A REQUEST FOR A RE- INVESTIGATION. I HAVE NEVER LIVED OUTSIDE ALABAMA. I REPORTED TO EQUIFAX,  XXXX ,   XXXX    BACK IN EARLY  XXXX  THAT THERE WERE NUMEROUS COLLECTIONS ON MY REPORT THAT WASNT MINE. AFTER I RESEARCHED I FOUND OUT THAT SOMEONE IN ANOTHER STATE  XXXX   XXXX  NEVADA HAD OPEN UP SEVERAL ACCOUNTS UNDER MY NAME. I SUBMITTED TO EQUIFAX 17 YEARS OF STATE OF ALABAMA DRIVERS LICENSE. SURELY I CANT RESIDE IN  2  STATES. I ASK FOR REMOVAL OF ALL ACCOUNTS LINKED TO THE STATE OF NEVADA. EQUIFAX REMOVED SOME BUT NOT ALL. I AM ASKING THAT EQUIFAX REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I DID MY OWN INVESTIGATION AND ALL OF THESE ACCOUNTS WERE OPEN IN NEVADA WHERE I NEVER LIVED. THERE IS NO WAY THESE ARE MY ACCOUNTS. FOR THE  3RD  TIME PLEASE RE- INVESTIGATE AND REMOVE FROM MY CREDIT FILE. I RESIDE IN ALABAMA AND HAVE BEEN HERE 53 YEARS. NEVER VISITED THE STATE OF NEVADA. THESE CLOSED ACCOUNTS SHOULD BE REMOVED FROM MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX I received a letter from a creditor lowering my limit due to a discharged debt on my credit report. I obtain my report and discovered a debt Listed as " XXXX XXXX '', Industry Type -- XXXX, Address- XXXX, MN, XXXX, Account Balance $ XXXX/Charged Off. I HAVE NEVER HAD AN ACCOUNT, NOR ANY BUSINESS DEALINGS WITH THIS COMPANY. I initiated an online dispute with Transunion on XXXX. On XXXX Transunion results -- '' Verified No Change '' On XXXX I requested a INVESTIGATION, by Certified Mail because I was not satisfied with findings-stated No Knowledge of the Debt, and never any business dealing with the company. Upon checking my credit file I reviewed my " updated '' file at Transunion. Again this XXXX XXXX was listed as a an Adverse Account, EXCEPT, the loan type/Industry was now changed to XXXX. It stated Date Open was the same XX/XX/XXXX, Date Closed -- XXXX, Payment received {$0.00} and High Balance {$1000.00}, there was a phone number added XXXX. I did not try to contact this company because I have never had any dealing with them period. I did write another letter to Transunion, sent Certified mail on XXXX XXXX, XXXX, requesting information on discrepancy of the Industry type and loan type. I requested information on how the debt was verified. I received a letter from Transunion, dated XX/XX/XXXX, stating " based on information provided to Transunion, our records show that the information you disputed does not currently appear on your Transunion credit report. '' On XXXX XXXX upon review of my Transunion credit report, THIS ACCOUNT IS STILL LISTED AS AN ADVERSE ACCOUNT. I called Transunion and could not reach ANYONE who Would explain the contradiction of their letter dated XXXX XXXX and the credit report that I reviewed on XX/XX/XXXX. I have not contacted XXXX XXXX, I have never done business with them in their XXXX nor their XXXX businesses. I would appreciate you help, Guidance, direction and/or instruction on correcting this ERROR and removal from my credit report. I have NEVER had a negative/adverse report from my creditors. Thanks You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (I do not know) with Collection Information Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX DATE : XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : DXXXX XXXX XXXX {$770.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C.  1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX {$770.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Using a debit or ATM card

Complaint: XXXX unauthorized took {$210.00} out of my bank account on XX/XX/XXXX16 and they were not suppose to take it out as they promised me they would n't until XX/XX/XXXX16.This caused my bank account to be overdrawn and a overdrawn fee was charged for $ XXXX.I was going to file charges with my bank against XXXX but XXXX promised they would pay the {$36.00} overdrawn fee so I did n't persue it further with my bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a person with the same first and last name as me and we share a birthday His middle initial is XXXX Mine is XXXX. I have never lived in XXXX or XXXX CA. 
I have had this problem for over 20 years. 
He owes back child support. I am XXXX with XXXX children. 
Please help Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (MA).
Issue: Account opening, closing, or management

Complaint: HSBC had a promotion where they would pay out {$350.00} to new checking account customers who made bill payments in 3 consecutive months to two different billers. Due to an error on HSBC 's part, my XXXX payment was not processed and I was advised that I could make a payment in XXXX and still qualify. After calling in XXXX, the CSR confirmed that I had met the requirements and I was told to wait 6-8 weeks from the qualifying transaction ( on XXXX XXXX ) for the bonus to post. The bonus still has not posted, and the customer service representative said they were still " working on it. ''

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Debt collection (Other debt) with Rent Recovery Solutions (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$2900.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt. Furthermore, Rent Recovery Solutions License # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA does not have a license, bond, nor certificate of authority to collect in the state of Arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX , Dept of Ed/ XXXX ,   XXXX   Univ   XXXX   XXXX  , and   XXXX   XXXX   XXXX   have been on my r eport original report for 7 years and according to the Fair Credit Report Act negative reports legally need to be removed, but  XXXX ,  XXXX  and   XXXX   have illegally manipulated the original 7 years to make it like it was n't as long so that my information would remain on my credit report illegally and fraudulently. The credit reports need to remove all the student loans from my account because it has been 7 years since they were reported since    2010. They also doubled up on all my loans to make it look like I have double the loans that I have and it is fraudulent illegal information that needs to be removed but they wo n't do their job. Also there have been missed payments since 2010 and they put letters in later that are not clear that do not make sense since I did not pay anything 2010 u ntil recently I consolidated my loan with  XXXX   XXXX   XXXX . Also the missed payments keep changing first they were 3 months and then keep increasing every time I ask questions illegally. The credit reports state " Worst Credit Ever '' and it is not true all loans were consolidated last year in excellent credit by  XXXX  and  Consolidated  by    XXXX   XXXX   XXXX    in excellent credit. The credit reports state derogatory, negative and delinquent accounts which is not true at all they were all deferred payments and never missed payments they were missed deferment payments.  XXXX  stated that they did mention I had excellent credit which is a total lie because there is nothing on my credit report stating excellent credit ( see attached ). The credit reports state negative which has my credit report so bad that it has made me live in situations that were very unsafe and unfair. The student loans need to be deleted after 7 years of fraudulent incorrect manipulated information as soon as possible. ( see attached    XXXX   XXXX   XXXX   p aid off all loans in excellent conditio n ) ( See   XXXX   XXXX   XXXX   lette r states excellent condition of student loans but excellent credit status for student loans is not on my credit reports anymore with student loans )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Payday loan, title loan, or personal loan (Payday loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with the payoff process at the end of the loan

Complaint: They 're waiting for updated from Bank of America to give me my loan and you guys have n't sent them updated

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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with DISCOVER BANK (NY).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint: ON XXXX XXXX OF 2017 AS OF EASTERN TIME XXXX XXXX, AS A CITIZEN OF THE UNITED STATES AND XXXX TRIED TO OBTAIN A CREDIT CARD WITH DISCOVER. A REASON IN WHICH I FIND TO BE OBNOXIOUS SEEMS THAT THEY HAVE DECLINED ME DO TO CREDIT BUREAU INQUIRIES WHICH I FIND HIGHLY UNTRUE DUE TO THAT I HAVE N'T REQUEST FOR A CARD SINCE I JUST TURNED OF LEGAL AGE. ANOTHER ISSUE IS THAT WHEN SPEAKING TO AN AGENT OVER LIVE CHAT SPECIFICALLY AGENT XXXX CLAIMED TO HAVE APPROVED ME, I PROVIDED THE DOCUMENTS NEEDED, I HAVE TOLD THE AGENT I WANTED THE CARD EMAIL TO MY WORKPLACE SO HE ASKED FOR DOCUMENTATION WHEN I TRIED TO FOLLOW, IT SEEMED AS THE LIVE CHAT HAD ENDED. I THEN WHEN ON TO ASK ANOTHER AGENT AND THE AGENT WAS VERY UNHELPFUL AS TO GIVING ME A REASON WHY ONE IS DECLINING ME AND THE OTHER APPROVED ME AS WELL WHY HAVE ME SUBMIT ALL OF MY PERSONAL DOCUMENTATION. I FEEL AS THIS HAS BEEN A FREUD ON THE BEHAVE OF DISCOVER.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (I do not know) with Hirshberg Acceptance Corporation (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I was notified by my bank that my bank account was frozen on XXXX/XXXX/2016 for a debt I have not been notified about or received any notice of. I have received no collection forms, calls, letters to this point from this company in at least 12 years of said debt. I have yet to receive notice of this debt but my bank account is now froze.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Flood Insurance over charge. Every year Bank of America sends me an Flood Insurance update XXXX in XXXX XXXX for renewal purposes. It is always a hassle, they send me an OPT OUT letter which allows me to only have flood insurance coverage on the amount of balance owed. Getting them to honor it is very difficult. Last year they had the amount incorrect and refused to correct it. I sent back the letter with a copy of my statement showing I only owed them XXXX NOT XXXX. When I called them, I was told several times " oh yes we will get that fixed ''. I requested paperwork in writing over and over, it never arrived. They drug it out past the " renewal window ''. I had a XXXX call with BOA and XXXX which got very heated. BOA " bank of America '' said it was Insurance company so we then got her on the phone as well. BOA still insisted and XXXX was amazed by the ignorance of BOA, but it was to late and I was denied by XXXX in reduction of coverage because the bank refused to correct the paperwork in a timely manor. BOA was sued recently for placing lender based insurance on there loans. This was before my new troubles with them so I did n't join the class action law suit. They have managed to get me the last two years. Now my payment is approx. XXXX more than it should be due to the extreme amount of flood insurance they selected for me! I believe the new " amount owed '' error is not an error and it is there new way of getting away with the over charging of there customers. Previously it took several heated calls to get them to honor the OPT OUT letter. its so aggravating and unfair of BOA the lender to treat the customer this way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: I bought an investment home the rent was supposed to cover my mortgage right after I closed on the property I was denied access to the property due to a forged deed.I made a title claim I explained to Wels Fargo and told them I ca n't pay the mortgage due to the fact that I ca n't rent out the house.I was told not to worry that I should not pay Wells Fargo and it will not ruin my credit today im a victim of fraud and now my credit shows a whole bunch of missed payments due to the mishandling of wels farg.I have reached out to Wels fargo many times and the they promised to remove the late payments from the credit reporting agencys

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX is incorrectly reporting the last activity on the account. The last payment on the account was in XX/XX/XXXX. There has been no payment, reinstatement, or any other agreement to reinstate loan after the last payment. The credit reports are showing payment activity through XX/XX/XXXX which is incorrect. This credit line should be corrected to reflect the last activity/payment XX/XX/XXXX. This loan was accelerated on XX/XX/XXXX and there has been no payments, agreements or reinstatement of the contractual loan since the acceleration.

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