milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: There has been several attempts for this debt to be verified with the consumer reporting agencies. This account has not been verified simply sending a statement from the original creditor by law is not suffice. This collection agency and consumer reporting agencies have not provided me with a signed contract/agreement. The original creditor ( XXXX XXXX ) has stated that I do not owe them this debt. 
Please review letters sent and documents provided as verification as they do not meet the standards by law.

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 04/23/2015 about Mortgage (FHA mortgage) with TD BANK US HOLDING COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My husband passed away XXXX XXXX, 2014. 

Since that time, TD Bank has refused to talk to me. My husband 's death constituted a hardship, and I have been unable to work on a loan modification, request Florida 's Hardest Hit Funds, or appeal to any other kind of avenue to prevent a default of the loan. 

Despite not being on the Note, I am an owner of the home and should have been serviced. Up to this day I have not yet been serviced - the loan has been forwarded to a foreclosure department of TD Bank, and that is all they have spoken to me about. 

Per CFPB rules, as a successor in interest, I should have been serviced. There was a negligible default on the property of {$540.00}, which has ballooned into {$6000.00}. It continues to snowball. This is a problem that could have easily been fixed had I only been serviced. 

As a result of the default I can not even refinance. I have equity in the home and am perfectly able of catching up - I would also qualify for the hardest hit program with a simple assumption of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My complaint is multi-faceted. 
1. I am in the Public Service Loan Forgiveness Program. The count of months of payments provided by XXXX XXXX is quite different than my count. I have sent email messages to them requesting clarification and have never received responses. 
2. I recently changed jobs and my income based payment needed to be recertified. I provided the documents to them and was emailed a letter stating that I would receive a letter in the mail telling me what my new payment would be. I never received this letter. On XXXX I participated in a chat conversation with a representative from XXXX XXXX This rep told me that my repayment plan would be recertified in XXXX and I would start paying the new amount in XXXX. I received my bill today and the new amount is actually beginning in XXXX, not XXXX. I do not know what if any income based repayment plan I am now in. 
3. When you email XXXX XXXX, you receive a message stating that they have received your email but you do not receive a copy of your email. This makes it difficult to follow up and track correspondence. 
Thank you for your asssitance.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Deposits and withdrawals

Complaint: I had deposited {$1200.00} ( XXXX checks ) in my checking account on XXXX/XXXX/2016. 
I received a letter from the bank ( Sun Trust ) dated XXXX / 2016 along with a copy of my deposit ticket ( both sides ) showing that they received and credited my account in the correct amount, but stated that they debited my account in the same amount for " items not included in my deposit '' I was confused and waited for my monthly statement. When I received this it showed both the credit and the debit. 
I have spoken to several of he employees at the bank bank several times and each have said they need a week or so look into this. 
As of today I still have not received any explanation as to actually why they debited 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
Consumer complaint received 01/15/2016 about Debt collection (Credit card) with CITIBANK, N.A. (KY).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: California XXXX XXXX XXXX XXXX XXXX called and stated that my mother owed them money from a debt years ago. If we did n't pay they would take us to court. they had a case number and stated that sent letters to service her. They had all of her infomation. Everything from SSN address, account numbers. They even gave her a confirmation letter and web site XXXX They took over {$1600.00} from her. This is a scam. They are not real. i tried to call them back to cancel the transaction and they gave me the run around

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 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: Personal information incorrect

Complaint: I have tried for years to help EQUIFAX to report correct addresses. I have sent on numerous occasions via certified mail of copy of Driver 's License for both the former and current address. Please remove the following address from my Credit File at once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Should be : Current Address : XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX, TX XXXX Former Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Mortgage (Conventional home mortgage) with Pacific Union Financial, LLC (OH).
Issue: Trouble during payment process

Complaint: Upon receiving several notices that our taxes went up from our mortgage company advising us our escrow was now short, I took money out of my retirement to pay PUF. This was forced upon me causing me to pay fees for pulling money out early then again when taxes were paid in XXXX. We received another notice of the same thing this month, so we dug into the problem with the county auditor. Turns out the company did not pay our first tax bill with them causing a mass amount of late fees and interest making it seem our taxes went up. Taxes did not go up but every time a " timely '' payment was made it went to the delinquent amount we incurred almost {$900.00} in fees alone. Now trying to get Pacific Union to realize there mistake they are telling us they did not make a mistake it was up to us to tell them we were late. We do not receive a bill they do, we did n't know. Not to mention they are paid to pay on time and our mortgage makes us escrow with them. We should not have to pay these late fees we filed 23A forms for penalty remission but they still want to raise our monthly bill to an outrageous amount for escrow they made short. We even had the county call them and they refused to speak to them. They are helping the mortgage company too but they  refused. Now we are afraid we will lose the house because we can not pay {$300.00} more a month when it should n't have happened AND we can show them the error to fix it and they wo n't speak to the County representative. Please help!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (PA).
Issue: Trouble during payment process

Complaint: Quicken Loans will not remove my PMI from my billing. I 've reached a little below 78 % LTV recently, never missed a payment for over 5 years in my home, paid ahead of schedule with my principcal, and they still say that XXXX XXXX requires a home evaluation ( at my expense! ) before they can cancel the PMI. This is outrageous that I have to waste more of my money. They say it will not be removed until XXXX 2012 ( almost another 4 years! ) unless I get a home appraisal. They say that the 78 % requirement is based on natural amortization of the loan. Additional principal payments to speed this up are not taken into consideration. This is just a barrier to make it more difficult for the home owner so that they can keep receiving the PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MN).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: I applied for the Chase   XXXX   Preferred card and got a call for additional verification which I completed after then it was approved. When the card arrived it did not work, I called Chase several times and nothing got done.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On XX/XX/XXXX I opened a new credit card with 12 months 0 % promotional rate on purchases. It would make sense that I should pay no interest through XX/XX/XXXX.  Unfortunately Capital One thinks differently. They said that the 12 months 0 % promotional rate expired in XX/XX/XXXX. Not sure how is that possible. They charged me {$180.00} in interest for one month. I talked to a manager at Capital One, his name is XXXX and he was located in XXXX, Manger ID XXXX. I asked him to resolve the issue and reverse the charge, but he completely refused to make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Student loan (Federal student loan servicing) with Collection Technology Incorporated (KY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Enrolled in rehab student loan agreement to stop payroll garnishments ... .made all payments turned in all required paperwork. They stop taking payments out of my personal account. I called them the inform them and figure out why. Agent stated I had been rejected from program due to a " black line '' on my paper work, this stopped them from approving rehab program. I re set up the payments. They start receiving the money from my personal account. My pay roll check Started being garnished 3months after I had to reapply, even when I made the payments out of my personal account. Student loan co stated that they sent the letter after I set up payments in error, however they can not stop it once its started. Im now being told they will never stop the garnishment until all money is paid ... while they continue to take the monthly payment off my personal 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
Consumer complaint received 11/25/2016 about Credit card () with WELLS FARGO & COMPANY (CO).
Issue: Customer service / Customer relations

Complaint: I have attempted to log on wells fargo to make a credit card payment since XXXX 2016. The reps continue to tell me they can not help me to access online banking even after I provide numerous security and personal information. When asking for contact information to manager he stated he was the highest level supervisors present, I clarified I wanted to speak with his manager who he reports to, he said he was not available and provided me only a name and no contact information. XXXX then asked me a series of questions, I spent XXXX minute with a supervisor, XXXX from the XXXX call center, who would not provide an id number. He had me provide XXXX of my last payments, social, old and new phone number. They state I must have my credit card number, expiration and XXXX digit code to proceed and to call wells fargo back when i have it. XXXX did offer to send me to other departments for to attempt to make the payment. After XXXX minutes XXXX transferred me to credit card services. He stated there may be a longer wait time, I asked XXXX to wait on the line so I was not disconnected, XXXX hung up, transferred me to XXXX who was unsure why I was calling. XXXX provided my minimum due and payoff amounts. I spent over an hour on the phone with no resolution. I still am unable to access my accounts online, I am now unable to see transaction history nor receiving statements.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Debt collection (Medical) with Valley Credit Service, Inc. (OR) (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/XXXX Valley Credit called me about debts they claim I owe At first they said the amount was {$5000.00} then it was {$49000.00} then {$3400.00} then {$4000.00}. this number changed this much during a 20 minute call. Because of their inability to to come up with a firm number I requested copies of ALL documentation of the debts. 
During this call they finally claimed that XXXX was the right amount. And I made an offer of {$3500.00} to settle their claims, which they accepted. As part of the agreement I was to receive copies of all documents, so that I could look thru them to verify the debts were in fact mine, as well as adding them up to come up with a real total. It was agreed that they would send the paper work out as soon as possible. I would go thru it and we would talk on XXXX/XXXX/XXXX after i had time to look at the paperwork. 
As of today XXXX/XXXX/XXXX I still have not received the paperwork, so I called them on XXXX/XXXX/XXXX @ XXXX to inquire about the paperwork. the lady I talked with ( XXXX ) at first said none of this was in their notes then put me on hold. When she came back she said that she found notes on the settlement but NOTHING about me requesting the paperwork and that I had until XXXX/XXXX/XXXX to pay or the settlement would go away and I 'd owe the whole amount. When I requested she move the settlement date and send me the paperwork she stated that they do n't have some of it, but they had some judgements when I asked for copies of those she stated " We dont send copies of those if you want them go get it from the courthouse ''. and 'We can provide a list of the amounts you owe but we do n't have the original paperwork because some of these are as far back as XXXX. she ended the conversation by telling me I had til the XXXX or the settlement would go away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-04-2015 about Debt collection (I do not know) with Navient Solutions, LLC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I never received a letter from them indicating that owed them, therefore I was not afforded my right to validation under statue 809 ( a ) of the FDCPA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Consumer Loan (Vehicle loan) with YKS Acceptance, Inc. (CO).
Issue: Taking out the loan or lease

Complaint: I had purchased a vehicle from XXXX in XXXX XX/XX/XXXX. It was supposed to be a fixed apr of 9.99 %. I had the vehicle until XXXX/XXXX/XXXX, when the computer module went out. instead of fixing it and adding it to our payments, they had us trade it off with less that XXXX left. I had got home and went through or receipts and realized that every year our payments were going up. in XX/XX/XXXX, we paid XXXX $ and by XX/XX/XXXX we were paying XXXX $ a year. Our XXXX had gone up causing us more in our payments without our knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Mortgage (FHA mortgage) with Seterus, Inc. (WI).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was refinanced several years ago and purchased by Seterus, XXXX XXXX XXXX, XXXX, CT XXXX. At the time of closing, we are obligated to pay PMI and was told once the loan to value ratio reached 80 %, the PMI could be discontinued. Seterus has been biased in requiring us to pay {$350.00} for them to select an appraiser of their choosing without giving us, the consumer, an option of a list of appraisers in the State of Wisconsin. Twice, after completing major updates and home improvements, we have applied to have the PMI discontinued. In XXXX 2016, for the second time, we paid {$350.00} and used the appraiser that Seterus selected to conduct the loan to value assessment and we were within a reachable limit of 82 %. Seterus changed the contract ( orally ) to state that the loan to value must now be at 75 %. After speaking to Seterus regarding this issue several times by phone, they failed to provide written documentation or proof that we agreed to pay 75 % at the time of closing. A review of our closing documents states that PMI should be discontinued once the loan reaches 80 % loan to value. This PMI is {$110.00} per month and is deemed as an unnecessary burden to us as consumers, considering we have owned this property for 12 years and have never been late with a mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Debt collection (Payday loan) with Genuine Debt Solutions, LLC. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was contacted by Genuine Debt Solutions on XXXX XXXX, 2016 by someone named " XXXX XXXX '' and was immediately asked intrusive questions about where I work, etc. without being told " This is an attempt to collect a debt, and any information obtained will be used for that purpose. '' I told this person I was not comfortable having this conversation as I was recently scammed by a company trying to collect on this same " debt. '' I was then transferred to " XXXX XXXX '' who at first seemed to understand my frustration but later became belligerent and highly unprofessional. She told me to " stop talking and listen '' as if I was a child. Keep in my mind she called me so I had the right to state my reasoning for not wanting to continue the call. I continued to ask for validation of debt and asked questions about the companies legitimacy and she then became loud and rude and said that if the money is not paid her client intends to pursue legal action so I disconnected the call. I received XXXX documents sent from a XXXX account from this " business '' - Genuine Debt Solutions telling me I owed an ABSURD amount of money to her client, XXXX XXXX. When I called XXXX XXXX directly they had never heard of this company and told me that I did not owe this debt.

Company response to consumer: Untimely response
Consumer complaint received 08-02-2016 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Customer service / Customer relations

Complaint: I had ordered tickets to a hockey event for XXXX XXXX, XXXX. I had called the credit card company to let them know that the tickets arrived later than I expected for a XXXX XXXX birthday gift and that the tickets that were not the ones I had ordered. The section and row was changed on me without my permission or knowing of it till after the purchase. I had called Southwest Visa and their representative said that since the tickets were changed on me that I could return them to the seller for a refund. I returned that tickets, certified mail, just as the credit card company representative told me to do so. As I 'm awaiting a refund, the event had past. Later the company had told me that the charge was valid and that there would be no refund. Well, because of the misinformation of the representative from visa, XXXX XXXX XXXX @ XXXX and XXXX XXXX XXXX XXXX/XXXX/XXXX @ XXXX ) I had no tickets tickets to the event and was still charged the amount of {$1000.00}. XXXX. Visa keeps ignoring the letters I sent them about my issue with the charge. They are not seeing the fact that their representative directed me incorrectly with what to do and therefore I had no tickets to even go to the event if i chose to attend it and not give it as a birthday gift. Whatever help you could provide me with would be greatly appreciated. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-10-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed these credit inquires several times before and they ( Equifax ) said for me to contact the creditor. The creditors never responded back. I do n't recall asking these credit card companies to pull my credit reports. Please remove these credit report inquiries as they were n't authorized. 
I have accounts with these companies and they have my personal information. Never authorized these credit checks. 
List of companies and the date of credit check was pulled. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Debt collection (I do not know) with Allied International Credit Corp., (US) (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a notice of collection related to a debt allegedly owed to XXXX, where I do not have and have never had an account. The notice was from Allied International Credit Corp., XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The amount claimed was {$940.00}. Although the notice looks genuine, I 'm sure this is attempted fraud and so I am reporting it

Company response to consumer: Closed with explanation