milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/22/2017 about Mortgage (Conventional home mortgage) with BROKER SOLUTIONS, INC. (OR).
Issue: Trouble during payment process

Complaint: HX : XXXX 2014 our house burned down. We had our mortgage with XXXX XXXX XXXX, our insurance settlement was sent to XXXX XXXX XXXX and held in escrow. XXXX XXXX XXXX erroneously reported on a XXXX to myself and my husband, one of the escrow disbursements as non employee compensation. The other insurance escrow disbursements were correctly reported to the IRS. Now the IRS is taxing me on {$87000.00} worth in income as XXXX XXXX is reporting it as if I worked as in independent contractor for them. At the time of notice from the IRS I sent the IRS documentation regarding that income. They then needed verification from XXXX XXXX XXXX and when I reached out to them in XXXX I was told that it was reported correctly, that I needed to consult my tax preparer and refused to allow me to speak to anyone other than their customer care department and refused me access to a supervisor and did call me per my request. I then filed a complaint with you and got a response. However, the IRS never received the updated XXXX with the corrected information. I did receive a letter from them outlining their mistake and forwarded that to the IRS. However in the absence of the XXXX that they clearly stated they would provide a Judgement has been made by the IRS and I now owe {$30.00}, XXXX in taxes. I never did receive a copy of the corrected XXXX and apparently the IRS did n't either. So here I am again filing a complaint. It appears I now have to challenge this in the US tax court. This issue has required a significant amount of time, energy and angst. Their unwillingness to resolve this problem is not only frustrating but unacceptable. The lack of follow through is shameful. You ca n't report income to the IRS incorrectly, then be unwilling to resolve the issue. I will happily fax the most recent notice from the IRS.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My previous mortgage company CitiMortgage sent me a XXXX from my foreclosure in XXXX four years after the fact in XXXX, requiring me to re-file my income taxes. In the letter from CitiMortgage it stated if I had to re-file my taxes they would reimburse the filing fees, which they have still not done to date! I had mailed them the documents which they claimed they did n't receive then I faxed them and they received them but after numerous calls to customer support, they continue to forward my claim to other individuals or departments with still no explanation or reimbursement for their mistake.

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 07/28/2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (GA).
Issue: Problems when you are unable to pay

Complaint: GM Financial chose to forgive a debt to settle CFPB Complaint XXXX. However, they are filling my credit report with a past due debt even though the debt was reported as forgiven to the IRS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2015 about Debt collection (I do not know) with Convergys (NM).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The number listed above is my work number, I receive XXXX calls a day from this company, 7 days a week ; they do not leave a message. They also call my cell phone, XXXX, XXXX times a day. The calls start about XXXX XXXX and end around XXXX XXXX. They never leave a message. I called the number from my cell once and got a person with a heavy accent that was difficult to understand. They wanted my information to verify who I was but would not tell me their name or their company name until I gave them my personal information and I would not do that. I XXXX and found that the number they are calling from belongs to XXXX XXXX XXXX and found that they have several locations. I am going through a difficult time and behind with many of my payments because of medical reasons but I am looking into alternative solutions to try and get myself back on track with my payments.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Vehicle loan or lease (Lease) with VW Credit (MA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint: 2. Ive leased three or four black VW Jettas through VW Credit over the last 12 or so years. The most recent vehicle is a XXXX Jetta, the lease on which ended XXXX XXXX 

3. Over the summer the dealership representative made multiple calls each week urging me to get out of the lease early and take on a new lease with lower monthly payments. Each time he called, the number was a little lower. 

4. I was reluctant to lease a VW again because of a serious problem with the fuel pump that caused the vehicle to stop dead on the XXXX XXXX at rush hour. It had previously shut down, but not in such a dangerous situation. I asked the dealership to check it ; they claimed no problem. 

5. The dealership representative was the one who mentioned the fuel pump problem and said that VW was keeping it quiet. A friend had a similar situation with a shutdown on XXXX XXXX. 

6. Over the course of dealership representatives calls, I neither made the monthly payments nor did I open VW envelopes because I normally pay the same amount directly from my bank. I dont take calls from 800 numbers, so I had no warning when VW seized the car XX/XX/XXXX. No reason for not making payments, I simply didnt think about it. 

7. I offered to pay the outstanding lease amount ( and an excise tax bill for the vehicle ) which totaled {$1200.00} and change. 

8. XXXX of the VW Credit Active Resolution Team ( XXXX ) informed me XX/XX/XXXX that because the end of the lease was so close, I am obliged to pay {$15000.00} ( plus compensation for other expenses ) in order to retrieve the car. 

9. It doesnt strike me as remotely reasonable to pay close to {$30000.00} to acquire a three-year old Jetta with a serious problem for that amount. That amount includes the cash I already have into the car. 

10. In the meantime, my credit has been destroyed. 

If you need other documentation, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (Payday loan) with MNE Services, Inc (IN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have been receiving emails using a XXXX address from a XXXX XXXX claiming to be an attorney representing US Fast Cash XXXX threatening legal action up to and including prosecution if I do not pay an amount of {$950.00}. I have never had any dealings or even heard of this company. When I asked for the company phone number and address, XXXX XXXX failed to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (I do not know) with Financial Credit Service, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I have received 2 calls today from a debt recovery company in Illinois. There phone # is ( XXXX ) XXXX 1st cal to me was at XXXX XXXX Az time, 2nd call at XXXX XXXX  Az time. Asked for XXXX XXXX, I asked who they were with. 1st call refused to tell me, I said I'm confident you have the wrong person, he was beligerent and I asked why are you so hateful. He made a desparaging comment that I could not understand. I asked him to repeat and he hung up. He was a XXXX male. 2nd call was a XXXX female, she asked the same questions, I told her my dob and it didn't match nor did the social security # she had. I said you have the wrong person, please stop calling me, with that she unloaded on me calling me every name in the book and frankly I didn't understand a lot that she said. Then she called me an XXXX. Remember, I said nothing bu that she had the wrong person and to please stop calling. I then asked her, " did you call me XXXX ''? She said yes and continued with her vulgarity, I told her I was going to report them. She said go ahead and continued her belligerent tirade and then hung up. I am XXXX and I don't need this type of treatment from anyone. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have an eviction on my record from XXXX XXXX Apartments in XXXX XXXX XXXX, Utah. City Park Apartments filed a retaliatory eviction against me. We went to court and settled that I would pay the remaining rent balance and not post anything online and move out at the end of XXXX 2015. I complied with everything that was agreed upon in court and in return they was supposed to give me neutral renters history. However after paying the balance which was agreed upon XXXX XXXX Apartments made extra demands for money that was not part of the settlement and have issued an eviction on my record. XXXX XXXX XXXX not only filed the illegal eviction but attempted to extort more money from me because of my military status and fear that an eviction would negatively affect my career.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Debt collection (Medical) with Herbert P. Sears Co., Inc. (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I entered into an agreement to pay {$30.00} each month until the balance was paid in full. After some time ( a year or XXXX maybe ) the company refused to acknowledge this agreement and reported it each month as " Failure to Pay '' even though I made my payment every month, often more than the agreed amount. It took 4 years to pay it but I paid every dime + interest that i owed per the agreement I entered into despite the fact that they failed to honor their end of our agreement. They are still reporting it as Failure to Pay on my credit report. Attached is a record of every payment made and when it CLEARED my bank as well as the interest paid each month ( final payment was not recorded but was paid in XXXX or XXXX 2013 ). I also have statements from the company if you need them showing my payment amount and the due date.The statements stopped coming I assume when the person I made the agreement with left the company 's employment. I do n't have immediate access to them but will locate them in our storage unit and have them available should you require them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I found the account active, about a week after it was opened, because I frequently check my credit report. I filed a case with XXXX, which was investigated for about a month ; and was denied any satisfaction. They claimed that the account was opened legitimately. At this time, I filed with the Consumer Finance Protection Bureau and placed the Fraud Alert on my account. 

I then filed a report with Transunion, because on XXXX, I was only allowed one 'dispute ' at a time. This was investigated for about a month ; and again, was found to be a " legitimate account ''. 

The account was eventually removed from my XXXX credit report ; but remains on my report from Transunion. Meanwhile, the charges on said account have gone from less than a hundred dollars - since my first dispute was filed with XXXX - to almost three hundred. 

As of today, I have also filed a claim at IdentityTheft.gov

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 12/28/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed a account with all XXXX credit bureaus for XXXX XXXX. The first time it was deleted. Then it appeared again under another company. I have been disputing it since and I have requested documentation with my signature to verify the account and to this day I have received nothing but somehow it keeps coming back verified when I dispute it. I would like this item deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I filed a complaint against Account from XXXX XXXX XXXX for placing what I believed was a fraudulent account on my credit reports for XXXX XXXX XXXX XXXX XXXX. I noted that my health insurance covers 100 % of my medical expenses. I tagged the account as account is fraud. 

XXXX XXXX XXXX REPLIED IDENTIFYING THE ACCOUNT HOLDER as XXXX AND CLAIMED IN THEIR RESPONSE THAT MY INSURANCE COMPANY DID NOT PAY THIS BILL. 

XXXX XXXX XXXX provided inaccurate and false information in their reply to my CFPB complaint. 

My insurance company DID IN FACT pay the {$36.00} on XX/XX/XXXX. SEE ATTACHED EOB.

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 12-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I did not authorize the following hard credit inquiries that appear on my credit reports and would like them removed : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My complaint is with Equifax, I received my credit report and noticed some inaccurate information, I immediately called them to have it removed, the rep was rude and incapable of helping me. I wanted to get inquires off and some accounts I was not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortgage has held payment on my account and has not applied toward my balance. Freedom Mortgage did not advise me of a escrow change to my account and has not applied my payment but has reported my account late to the Credit Reporting Agencies. I have contacted Freedom Mortgage 3 times to attempt to have this corrected.

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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Helvey & Associates (GA).
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: I received a copy of my credit report. I disputed the account listed as Helvey and Associates for a zero balance. I have never had any dealings with this company. I sent a letter to the credit reporting agencies to verify accuracy and to send me any documentation. I received letters back from both XXXX and XXXX saying they verified the account but i have not received any information providing supporting documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo violated my mortgage no oral modification clause. XXXX. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Wells Fargo allowed a verbal change to my mortgage in strict violation of the mortgage and in contrary to Wells Fargo 's position in court AGAINST oral modifications. I have attached the original Notice stating the new payment beginning XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Mortgage (FHA mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (TN).
Issue: Settlement process and costs

Complaint: XXXX XXXX from Prime Lending in XXXX is deceiving and should get fired and not get a job where anybody has to depend on him. He is/was the lender for the buyer of our home. According to the contract, we were scheduled to close 45 days out ... plenty of time for my lender to get everything done, but not for XXXX XXXX. Here it is 19 days after the initial XXXX and are sitting outside of our new home with XXXX trucks unable to get moved in because XXXX can not get his act together. He blames everyone else for the problems and will not take responsibility for doing such an awful job and botching this whole process over and over again! When he sent the closing documents to the closing attorney, the numbers did not match and information was incorrect. I mean, seriously!! You use a computer to type the info in and still can not get it right?!? What makes things even worse is that the auditors who review the loan at Prime Lending did not catch any of the mistakes and approved it! I guess no XXXX there is competent! We have had to pay for an extra day of rental for the trucks and had to stay at a friends house last night. I have bought a house before and this is the worst experience I have ever had. My realtors even said that this is a horror story for the books! Buyers, if you are serious about a home purchase, do not use XXXX XXXX or prime lending because you will never get in your house. Sellers, if you see that the purchaser is using Prime Lending for their mortgage, tell them to use another company or do not accept the contract. This whole process of selling our home has been a nightmare. XXXX XXXX and Prime Lending need to realize that their actions have consequences. This has affected my spouse, our realtors, the purchaser of our old home, the seller our new home, my wallet ( because of unnecessary expenses ), my job, and me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: At the beginning of this year, I saw a promotion offered by  Wells Fargo . They suggested if I go bank with them, namely by opening a checking account and complete some requirements, I would get a bonus of {$250.00}. Please see attached "   XXXX   XXXX   ''. I thought it was good deal and applied for it right away.   Then I got an email fro m Wells Fargo  on  XXXX   XXXX , saying my app was received. This email, did contain a phrase saying the bonus was attached. Please see attached " app received.jpg ''.  One d ay later, I got an another email that required me to go t o one of  their branch to provide more information. On  XXXX   XXXX , I went t o one of the ir branch to complete the application process and the account was opened successfully.   According to the offer term, I had to complete either  one qualified direct deposit or 10  debit card transactions within 60 days of account open date. The bonus would be paid within 45 days after that. I have completed thei r 10 d ebit card transactions requirement by  XXXX   XXXX .  Wells Fargo  did n't honor this bonus after 45 days. I tried to contact their customer service and go to branch. Customer service rep suggested I should go to branch for further assistance. But the banker in branch told me I should call for customer service instead. Basically it is a dead end if I want to get help from  Wells Fargo.

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 09-12-2017 about Credit card or prepaid card (Gift card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: this is in refferiance to my american express debit card ... .. I 'm inquiring if you could help me gain  account information i purchased the card with my debit card but i have a different account now.. from there i purchased a few totals over or possibly 12 thousand ... from there i would like to with in reguards to my social security hoping thats what is locating refferianceability I 've even had a sev and ... from the m .... with that stated i would like if you could do all in your power to help i do n't have any information to offer as in any more other than my birth date as well which isXX/XX/XXXX as well from there i would like if you could refferiance the applicabilty of a prior complaint i would of sent ... aswell if unable what is the difference if i purchased with a XXXX bank debit card from a checking account in the united states of america do to thts were i from live as well would of been using the card ... if attempted purchases would matter.. i canceled an order from XXXX ... as well I 'm not sure but my latest deposit or money transfer ( all only in regards to the american express gift card reloadable card ) from transit check ... if not 1,800 dollars 2,800 dollars ... humbly I 'm in a destine situation this was my emergency money which for whatever reason if email encryption then that but i ca n't access ...

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: IN RESPONSE TO EQUIFAX THEY STATED TO CONTACT THE ORIGINAL CREDITOR FOR THIS INFO THE LAW STATES THAT THE REPORTING AGENCY HAS TO HAVE THIS INFO ON FILE WHEN A CONSUMER ASKED FOR IT IN THIS CASE EQUIFAX IS IN VIOLATION OF THE FCRA. I HAVE ATTACHED A COPY OF THE FEDERAL LAW 609 ACT IN THIS DISPUTE FOR EQUIFAX TO PLEASE READ AND PROVIDE BY THE FEDERAL LAW

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have had identity theft and I did not authorize or give permission for accounts to be open or things to be applied for in my name please help me to fix this

Company response to consumer: Closed with non-monetary relief