milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/26/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: As per the creditor ( XXXX ) and the credit reporting agency ( TransUnion ), I 've waited XXXX days for my XXXX account information to update and report. As of today 's date this information is still not appearing on my credit report.

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 01/19/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (CO).
Issue: Other transaction problem

Complaint: I initiated a wire transfer from my account ( other bank ) to go to XXXX XXXX. The wire was sent on XX/XX/XXXX/18 to Wells Fargo to credit my XXXX XXXX for {$1600.00}. The wire never reached my account. My bank has sent service request for Wells Fargo to verify they received the funds, but no response. I have asked my bank to recall the wire and again no response from Wells Fargo. I tried calling XXXX myself, all I get from customer service, they ca n't get a hold of there own wire transfer department. What is wrong with this company?

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 05/20/2015 about Debt collection (Credit card) with Hidden Oak Group, Inc. (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX has been calling me repeatedly at XXXX XXXX at various different number in an attempt to collect a debt that I am not responsible for. The company is claiming I opened a XXXX XXXX in XX/XX/XXXX and continued to pay till XX/XX/XXXX. This is untrue. I never had a XXXX XXXX during these times and do not owe this debt. I tell this to the representative and they continue to harass me. They have completely filled up the space on my voicemail with threats of litigation if I do not respond to them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Consumer Loan (Vehicle loan) with Quality Acceptance llc (CA).
Issue: Managing the loan or lease

Complaint: In XXXX XXXX, 2016 bought car and have it financed with Quality Acceptance in XXXX XXXX Californian. My payment began on XXXX XXXX, 2016. My payments were make on time but were not posted to my account. I make payment at XXXX stores ( Pay near me ). I have sent copys of payments but still show that I 'm a month behind.. Pay near me as also emailed company confirming these payments The company also increase my payment with out my knowingly. 
I have send them copy of my insurance. 
I never have receive a written contract about financed. Just an introduction letter.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 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: Account information incorrect

Complaint: Unauthorized inquiry. On XX/XX/XXXX I expressedly did not authorize a hard inquriy on my credit report to XXXX XXXX XXXX XXXX XXXX, nonethless my report shows a hard inquiry which affects my score. This contradicts my command and the expressedly stated by the company representative " It is not a hard inquiry on your credit report ''.
I submitted a previous report and was told In order to protect the confidentiality of the consumer 's credit file information, Equifax must obtain proper identification from a consumer before disclosing and/or updating any information regarding the credit file. You may mail a copy of the requested documents, such as drivers license/state ID card and a utility bill showing the current address information along with a social security card Do to this fact my complaint was not resolved. I hereby authorize to proceed with my complaint and provide drivers license & social security card ( attached ) as proof of Identification. The aforementioned in order to have my complaint resolved and the unauthorized inquiry removed from my repot.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a parent plus loan with XXXX/Sallie Mae that my daughter neglected to pay. When I found out I started paying {$86.00} a month. Approx. 2 years ago, XXXX called me saying it was n't enough & I was just paying off the interest. I told them I could n't pay much more than that. They asked for {$120.00} a month. It was a struggle but I am paying that much monthly. Now they raised the amount to {$240.00} a month which I can not pay so I have been paying the {$120.00} a month instead but they do n't like it. They continually harass me by phone ( I have proof on my cell phone ) even though I am still paying & now they are charging me astronomical charges because I am not paying what they want me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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: Still reporting wrong that I still owes XXXX account 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 03/25/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: To Ohio Banking Authorities : PNC Bank has consistently overcharged us on our mortgage since the term started XX/XX/XXXX. In the last 3 years of the 5 year term, they have overcharged us {$400.00}. 
I complained to them a short time ago. I explained I was using the statement they send me every month to calculate the interest and principal. 
For instance, on XXXX XXXX, XXXX, they calculated that the interest payable on XXXX XXXX was {$170.00}, and the principal would be {$2900.00}, for a total of {$3100.00}. 
But the next month, they sent me a statement saying that what they actually took out was : interest of {$190.00}, and the principal was actually {$2900.00}. Every month they do the same thing. Charge us a little more than they say they will. 
I complained to them on the phone. My complaint : Every month they change the interest that they charge. It is always a little greater than the posted interest they ask us to pay. It is always changed in their favor. They told us it was due to monthly fluctualions in the calendar. I said the calendar was known when they issued the loan. They refused to address my complaint. 
Our issue is they are overcharging us. When the loan was created, it was a fixed rate loan that never changes. The calendar never changes. How could it change in their favor every month? 
I enclose my statement from XXXX XXXX, XXXX and XXXX XXXX, XXXX. These statements are part of a monthly pattern of price changes in the bank 's favor every month. I have copies of all of the other statements. Again, every month they tell us what will come out on the XXXX of the month. Then the next statement comes out, and they tell us what they took out last time. It is always higher than what they project they will take out. Always. 
My complaint to the bank was basically ignored. But I feel I have been overcharged, and I continue to be overcharged every month. The amount of the difference between what they tell us they will take out, and what the tell us they already took out will soon be over {$500.00}. If they do this to all of their customers, it would be XXXX dollars of excess interest. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Today, XX/XX/XXXX, I did call, I C Systems Collections, phone number : XXXX in order to clarify a place for collection. I spoke to XXXX, ID # XXXX in order to find out about a placed collection for {$150.00} which through the original creditor XXXX ( Cable/Cellular ), I C Systems Collections stated that they have sent me a notice, which I have never received. Then, I asked them to send me any information they have related to this collection and they denied to send it over via e-mail because of their policies. I did call once again and I spoke to XXXX ID # XXXX, I explained my situation, XXXX transfer me to her supervisor, supervisor 's name XXXX, ID # XXXX which I repeated once again my concern in receiving all this documentation via e-mail and mail. He misinterpreted my communication trying to play around with the wording. I asked for more than three times to send via mail a re-validation notice, month of the debt, and any valid information related to this collection. 
I have also requested a copy of their policies, no proper answers being responded. 

Please help me to understand my rights under the Federal Trade Commission. 

What is my next step, I need to clear this matter from my credit report. 

Is it e-mail a legal way of communicating? 
Why I C Systems Collections can not send me all information on their files related to this matter? 

I need to dispute this matter on a civil and polite way in order to be protected under Federal Fair Correction Act. 

This matter is causing that my student loan to be held which is nu-acceptable. 

Sincerely,

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 02/22/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: My wife & I have a second mortgage with OCWEN Loan Servicing , LLC, bought from our original loan company of GMAC, that we have made monthly payments on since XX/XX/XXXX, never being late & never missing a payment. XX/XX/XXXX we received a letter from OCWEN stating that our payment was being increased from {$460.00} a month to {$2100.00} due by XX/XX/XXXX. The letter was dated XX/XX/XXXX showing that an official notice of only 18 days was given of this increase. We had only 11 days notice upon receiving the letter. After contacting OCWEN & explaining that we could not possibly make this payment amount we were told by their " calculations '' that we should be able to handle this increase but were offered the possibility of a loan modification. We applied for this modification immediately & each month are asked to provide new documentation of our finances with no answer as to a loan modification. In the meantime, by today 's date of XX/XX/XXXX, we have been turned down for XXXX loans due to our high debt to income, have been reported to credit agencies as deragatory on the OCWEN account even after borrowing from family {$6300.00} to bring our account with them current, and get no answer from OCWEN to work with us to keep our credit in tact. We have explained medical hardship as our reason for need of modification as my wife lost her job almost 4 years ago & is now on full XXXX. We have working with yet another mortgage lender & have now been approved for a loan to consolidate our first and second mortgage but our payment will be raised approximatly {$200.00} which will be a hardship in itself. Needless to say, the notice given to us was questionable, unfair, and this company has caused us much stress and grief in the last few months. OCWEN customer service reps have remained uncaring, unwilling to answer questions, and stay to a straight script each time a call is made and ask all the same questions of us over and over again even though nothing changes for us week to week. We were advised to file this complaint by several loan officers from other mortgage companies who have been appalled at the treatment we have received from this company. This time frame has been unfair, impossible to work with, and in the meantime, our credit is being ruined by a company who has no concern to work with us and would rather see us file bankruptcy per the letters that we receive from them.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Debt collection (I do not know) with First Data Corporation (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a notification from TRS Recovery Services, INC. of a Notice of Unpaid Electronic Transfer. The date of the transaction was supposedly XXXX/XXXX/XXXX. It shows a check number of XXXX and a Stop Payment. Reference number XXXX. This is supposed to be with XXXX for {$400.00} I did not conduct any business with XXXX on the XXXX of XXXX XXXX. I have not made or attempted to make a purchase for that amount with XXXX. I do not write checks to XXXX if I shop there. This appears to be a fraud. 

XXXX did not contact me directly. This letter simply arrived in XXXX, XXXX. There are no supporting documents of any transaction. 

I downloaded a dispute form from the company and that form is highly questionable. It asks for bank routing numbers, drivers license and social security number. This is highly inappropriate. 

Reviewed my checks written and credit card statements. Nothing. 

If there is a problem, it is with someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 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: Account status incorrect

Complaint: This collection agency alleges that they updated the credit bureaus to reflect that the corresponding {$360.00} collection was paid. Neither my Equifax nor  XXXX  reports reflect this information. In fact, both show that as recently as  XXXX   XXXX ,    2017, the account was still reporting a {$360.00} balance owed and is still in collection status.      This account does not appear on my  XXXX  file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan servicer was transferred from XXXX XXXX to PNC Mortgage. 
With XXXX I was able to make month-to-month payments online using my checking account. PNC provides that option but with a {$7.00} service fee. They do n't charge the same fee to pay online if I set it up to withdraw from the account on a scheduled day every month, even though it would come from the same account. 
My thoughts is that this " automatic '' payment deters people from applying extra principal on months they have it available to them, adding an extra step of inconvenience to the customer to make small additional principal payments over time. A few dollars extra here and there can reduce my mortgage interest amount significantly over time. 
However small the amount, PNC is capitalizing on human nature to not send extra payments by making it more inconvenient to decide each month what amount to pay, and making up for those that try to go this route by charging {$7.00} per transaction. There is absolutely no reason they could not except month-to-month bank transfers from a FDIC bank without charging fees. Especially when they allow the same transfers fee-free as long as they are " scheduled '' through their " Electronic Funds Transfer '' process.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Other debt) with ERC (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I am a victim of identity theft a victim of fraud my personal information has been sold to different individuals, and these individuals has used my personal information to obtain credit. under my name. I went to the police department to file a police reports concerning this matter. I was informed that someone fraudulent open up 12 cellphones XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, under my name and obtain credit to get the cellphones.I contact each vendor to let them know I'm a victim of identity theft and that my identity has been stolen. XXXX XXXX XXXX sent me a package to fill out and get notarize I completed the package and mailed it back to XXXX XXXX XXXX they deleted the fraudulent account but before during so they sent the account over to a collection agency and it keeps getting sent from collection agencies to collection agencies. I have the letter that XXXX XXXX XXXX stating they deleted the account but the collection agency is still reporting it on my credit report with XXXX XXXX, XXXX, and XXXX   this XXXX XXXX XXXX account needs to be deleted now. I have submitted the documents to the creditors showing them that it is fraud. I need this XXXX XXXX XXXX account off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Mortgage (FHA mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (MD).
Issue: Struggling to pay mortgage

Complaint: I have been working with HSBC to try to save my home.These attempts have been unsuccessful. About two months ago I requested the paperwork for deed in lieu of foreclosure. HSBC has not sent me the forms. I would like to turn the house back over. Can you please help facilitate that these forms are sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have tried for years to get modification on this property. I have sent all the required documents and it would always be a repeat. They claim some documents were missing although they were sent certified in XXXX package. At this point I need someone to communicate with Chase to get these documents to an underwriter to get this modification done.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My interest rate has done nothing but go up and I feel I am being taken advantaged of at 12.12 % interest rate. This was for college. Navient has refused on previous attempts to refinance. As a student with no loan knowledge, things were not properly explained. Nor have I received any notification as to why my interest rate keeps rising.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax , Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders were able to access names, Social Security numbers, birth dates, addresses, driver 's licenses, and possibly credit card numbers. Equifax 's records indicate that my information was at risk. When I checked with Equifax 's records, I was asked to opt into an agreement whereby Equifax would offer free credit-file monitoring and identity-theft protection in exchange for my waiver of a right to file a lawsuit ( whether individually or as a member of a collective or class action ) against them. I declined to accept those terms. I am concerned that Equifax 's lack of proper security may have allowed bad actors to acquire my personal information, and as such, my information may now effectively be public data. I am also concerned that Equifax did not announce this data breach until just  recently, and the company has not taken steps to contact affected individuals like myself directly.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: ReconTrust - dual-tracking, improper transaction and trustee approval as NA - errors and mistakesNever sent any notices regarding foreclosure and or posted informationSome unknown/fraudulent person contacted ReconTrust and stated they were tenantsTenant/fraudulent personbeing identified -utilities companies etc. XX/XX/XXXX left according to recordsReconTrust never contacted me as the owner to confirm any information including confirming debtBank of America confirmed tenant refused relocation fee and wanted to remain a tenant? 
Recontrust should have received 5.5 months of rents from the unknown/fraudulent personI had no tenantsI remained a residentI had no deficiency there was over XXXX forwarded to ReconTrust ( appears to have been used to purchase home ) XXXX has confirmed property was sold before auction took place with XXXX person bidderI received letter for foreclosure review committee XX/XX/XXXX - respondedForeclosure review committee letter was to freeze all action until modification was complete for approval or denied - letter never received was working with XXXX XXXX and later XXXX ( escalation member ) for errors after email from management stating property was foreclosedXXXX assured me property would not be sold ( recorded with REO on the line as XXXX way conference ) as she complete recession - recording availableNOD starts after XXXX days after answer is received if no workout program was approved. 
The NOD was filed XX/XX/XXXX prior to foreclosure review committee letterThe NOT was filed XX/XX/XXXXThe declaration letter dated XX/XX/XXXX - was XXXX incorrect and false - Bank of America tried with due diligence to reach me XXXX - my number remains the same on file and addressLetter dated XX/XX/XXXX - Bank of America was still in review to complete request for modificationBank of America has confirmed my name was spelled XXXX different ways in system - part of the challenge of why modification documents were not uploaded to system properly in XX/XX/XXXX and XX/XX/XXXX prior to foreclosureI had to research county recorders and other agencies to locate documentsSecretary of State notary confirmed notary information not properly followed and people not properly identifiedI was not aware a foreclosure took place at no time as I was still working on modificationI was informed of foreclosure by building management company by emailProperty was resold less than three month for a gain of over 100,000 dollarsI have requested many documents from ReconTrust none have been received to date

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit card () with Alliance Data Card Services (NH).
Issue: Credit card protection / Debt protection

Complaint: I have a credit card company continues to calling my family members and being very rude on the phone and calling at all different times if the day and being threating

Company response to consumer: Closed with explanation