milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/23/2015 about Debt collection (Mortgage) with PNC Bank N.A. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: PNC Bank is calling us XXXX times a day to collect on a debt that was paid through the U S Bankruptcy Court. We have statement from the Trustee that every penny was paid at the amount agreed on. They started calling in XXXX and I sent letters to PNC Mortgage in XXXX and XXXX with check numbers and amount paid. The still keep harassing us. I must have spoken to several dozen PNC minions who all promise to investigate and put an end to this. I have run out of options and would like to know how to put and end to his.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Debt collection (Credit card) with NORTHLAND GROUP INC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have disputed this collection before and it was removed from my credit report. Now it is back and they are sending me letters trying to collect a debt I do not owe. This account does not belong to me. I have never had an account with this Creditor. I am requesting that it be removed from my credit report. If you fail to remove it, you are required by law to provide proof that the debt is mine. Please see the attached document and the comments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: It was a computer glitch that was TransUnion 's problem not mines that caused your inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add a hardship and that my rights were violated by TransUnion.

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 09/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We are bullying by Wells Fargo, always paid our mortgage on timeOn XXXX XXXX we wrote the check in the amount of {$40000.00} but missed XXXX and filled out in writing, not only the bank cashed our check, they do n't credit us with the payment and charged us {$190.00} late fees. 
XX/XX/XXXX payment was paid in full and we already mailed XX/XX/XXXXpayment. We are contacted by wells Fargo saying that we are in defaultfor not paying XX/XX/XXXX and they will foreclose on us. 
Back in XX/XX/XXXX, we received a statement from WF showing that they did notCredit us the XX/XX/XXXX payment, we called WF and was advised that becauseof the shortage of XXXX, it shows {$4000.00} as pending but theycannot credit the payment. 
Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 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: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I have been communicating w this firm For a while they were notified that my mom XXXX XXXX passed away X/XX/17 the original creditor has copies of her death certificate. They sent summonses and then later after I spoke w them and told them she passed I was sent a letter of discontinuance in the mail. And was told no further communication would follow and that was it. Today I got a letter in the mail that the lawsuit was filed against my mom in XXXX civil Court

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX-unable to request a fraud alert with TransUnion XX/XX/XXXX-attempted to place a security freeze on my TransUnion report but I can not. I tried to create an account to do so but it says that I already have an account. I have not created an account with TransUnion and can not get through to them to get the issue resolved. I am afraid that someone has used the XXXX information ( my information was compromised ) to create an account on TransUnion. The security question was name of pet and none of the answers that I have used for prior pets is accurate. This leads me to believe that an unauthorized account was created. I was able to place a freeze on the XXXX  and XXXX reports. Thank you for your assistance.

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 09/13/2016 about Mortgage (Conventional fixed mortgage) with BANCO POPULAR DE PUERTO RICO (TX).
Issue: Loan modification,collection,foreclosure

Complaint: The Servicer of my mortgage ( Banco Popular de Puerto Rico ) foreclosed my home. 
Banco Popular de Puerto Rico is only the servicer. Banco Popular de Puerto Rico bought the servicing rights on XX/XX/2008 to the original lender, XXXX XXXX XXXX XXXX. 
Banco Popular de Puerto Rico did not answered any of more than XXXX Validation/Qualified Written Requests letters. 
XXXX XXXX is the owner of the Mortgage and the Note, according to the " Look-up Tool ''. 

A Validation letter was sent to Attorney XXXX XXXX XXXX, when acting as a debt collector she did not responded and did not stop the collection process or the foreclosure. 

XXXX XXXX XXXX XXXX, Supervisor of the Foreclosure Deparment, declare in an affidavit, that the Banco Popular de Puerto Rico is the holder of the note by endorsement. 

The attached documents are in XXXX. That is the normal commerce language in XXXX 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 01/20/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I was approved for a loan Modification XXXX XXXX XXXX, with request fo for XXXX trial payments of XXXX which posted XXXX, XXXX/XXXX/XXXX with in the grace period. I have not received my loan medication papers or phone call from my relationship manager after I left XXXX messages to her extension. Customer service is poor. I received XXXX demand letters from US Bank dated XXXX, XXXX, XXXX, XXXX XXXX demanding payment and stating foreclosure may start and loan will be accelerated by XXXX/XXXX/XXXX Mini Miranda statement does not appear on the letters in violation of FDCPA agreement. Each time I call it is stated bu but not the letters indicating breach of mortgage. I have dealt with US bank since XXXX/XXXX/XXXX all payments are as agreed The loan modification was Home modification program XXXX XXXX. My credit scores have dropped, My XXXX beacon was XXXX, now XXXX XXXX, and XXXX XXXX. US bank refused to indicate that my loan modification was approved for a lower payment and note that on the credit file. We experienced doctor bills, I have XXXX doctors and my wife has XXXX. 
All paper work XXXX pages were faxed on a timely basis during the review. Customer service is poor and return calls from my relationship manager indicates she has many files to work. I paid my shortage escrow at the branch they sent the check to Minnesota and was lost, I issued a second check in XXXX and they refused to reimburse my {$33.00} stop payment fee It was their fault. During the review my payments could not be posted live and had to be sent to XXXX, late charges were charged and I had to call to have those waived. When I called was treated as a delinquent debtor and this was upsetting. I value my credit but do not like to be marked as a person in loan mitigation as I was proactive in resolving my mortgage loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/25/2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I pay for FICO score monitoring. A dispute over a drop in myscore has been logged with Equifax per the process with FICO. FICO claims they do not control the information provided by Equifax. Equifax just explained that my Equifax score is 'different ' from FICO because they use a different model to compute scores ... and if I want my Equifax score I must pay. We go around and around with FICO versus Equifax. No one will explain the formulas or their actual relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (RI).
Issue: Settlement process and costs

Complaint: I have been dealing with Wells Fargo trying to refianance my current mortgage with them under HARP. They approached me last year regarding my qualifying under HARP. They required that I obtain and pay for out of pocket an appraisal. Now, as we were about ready to close, they are requiring that i change my insurance to " Replacement Coverage ''. I have found that this is virtually impossible in RI on a multi family built prior to 1950. 
They remommended that I contact the Wells Fargo Insurance department. After contacting them I was told that they do not provide insurance for multi families, over XXXX stories, built prior to 1950. Complete waste of time and money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The XXXX main reporting agencies are reporting a Federal Tax Lien that was withdrawn and filed in error. It is still reporting after sending them proof of the withdrawal and disputing the information several times

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Used my Card In XXXX, In XXXX at a XXXX XXXX XXXX  XXXX my card was accidentally left there and over the next few days my card was used without my permission and was not done by me or any of my signers, I got a email XX/XX/XXXX that a large bill was payed out from my account so I logged in and saw massive fraudulent charges on my account, So I called my walmart credit card to report it, I get back home for the XXXX and file all paperwork, They get back to me saying they are denying my claim because, POSSIBLY a signer on my account has died, That I used the card the day before the fraud happened, and that my walmart card was used at walmart ... and it was my same spending habits ... I have never used over 20 % of my credit or done like 20 transactions in just a few days! I am 100 % protected from fraud and they are not honoring that!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: After discovering that I was a victim of Identity Theft I contacted the companies that the accounts originated from and to no avail, next I reported the incident and Identity breech to The Federal Trade Commission and then to an  officer  of the court in my local area as required under Federal Law. After submitting the documents via mail, I have not received any reprieve to date.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (HI).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: To whom it may concern, I recently received a copy of my XXXX credit report. The credit report showed a double hard credit inquiry by your company on the same day that I do not recall authorizing. I actually asked the person in charge at the office if it would affect my credit since I didnt need that credit card with your bank or the increase of limit, which I was told that it wouldnt. I understand that they should n't be allowed to put a hard inquiry on my file unless I have authorized it. Thanking you in advance,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: For over one year now, my attorney and I have been trying to resolve a dispute with Wells Fargo regarding the correct monthly mortgage payment amount due on my home mortgage ( reported to CFPB via case # XXXX ). I did not see an option to update that case, so I created a new XXXX. I 've spent most of the year reading letters of delay from Wells Fargo. Each month I 've paid my mortgage ( see attached document " XXXX Mortgage Payments XXXX XXXX Thru Current '' ) per the payment amount due stated on the Initial Interest Note ( {$1100.00} ) plus an additional {$110.00} for escrow ( see attached document " Initial Interest Note Original '' ). The payment on this mortgage was interest only for the first ten years, then modified to a new payment amount effective XXXX XXXX. My XXXX XXXX payment was sent via a letter from my attorney ( see attached document " XXXX XXXX to XXXX XXXX ). This letter contained XXXX checks from me : XXXX for the principle + interest amount ( {$1100.00} ) and XXXX for escrow ( {$110.00} ) plus a late fee of {$10.00}. This was explained to Wells Fargo clearly in the letter. On a monthly basis from this point forward, I have paid {$1100.00} + {$110.00} ( {$1200.00} total ). 

I recently learned that although I 've been paying escrow each month, Wells Fargo has not been paying my property taxes ( see attached document " XXXX XXXX XXXX XXXX '' ). This is unacceptable, as they have been accepting my payments each month for over one year, which have included escrow money for property taxes. 

We are finally negotiating and seemingly close to an agreement, however until quite recently I was unaware that Wells Fargo was not paying my property taxes. The property tax bill says it is due no later than XXXX XXXX. They need to make this right asap.

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 06/28/2015 about Student loan (Non-federal student loan) with Blatt, Hasenmiller, Leibsker & Moore, LLC (IL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My private loan in collection they froze my account I do n't have a lot of money they asking for If I did I would be homeless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Other

Complaint: My name is XXXX XXXX. I applied for a vehicle loan so my credit was ran. I was told by a loan officer that i have XXXX accounts with Capital One. XXXX accountis is open, this account I 'm aware of. The XXXX account I 'm not aware off, this account is reported as Force Closer. I contacted Capital One was told that this account does not exist. They will be mailing me a fraud report. How do I go about getting this fixed on my credit score? I hope you can help me with this very important issue. You may contact me at XXXX or by e-mail at XXXXXXXXXXXX. I appreciate your time and help.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting that I have an OPEN COLLECTION ACCOUNT with XXXX XXXX XXXX XXXX which is not true. I do not have a open account with this company nor do I have an outstanding amount of money owed. I do not have any account in collections. Please provide the reference number for this 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 non-monetary relief
Consumer complaint received 02-08-2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I requested a modification review. I provided all of the requested documents. After I gave them ALL of teh requested documents, they started requesting more documents. I gave them those additional documents. They confirmed that they had all documents and suspended the foreclosure sale date based on that. Then about 2-3 weeks later, they called and requested more documents. However I do not have these documents. They asked for Balance Sheets. Assets and Liabiltiy and Schedule E documents. I contacted my CPA and he stated they are asking for financial documents that I am not required to create as I am considered a disregarded legal entity in the eyes of the IRS. I called and called and called and explained that until I was blue in my face. I received an update in XXXX that the foreclosure would move forward without these documents. I spoke to a manager named XXXX XXXX, he verfied with me that they DID NOT NEED those documents once he spoke to the underwritier and he would get this fixed. He is now on vacation .. I am still getting calls from the sinble point of contact and provided what they wanted and my house was still moved to foreclosure with a sale date of XX/XX/2017. I also have a CFPB complaint that I filed regarding this and BEFORE the new foreclosure date ... so Wells Fargo has been notified about this problem but has not responded to the CFPB Complaint. I got a letter in the mail dated XX/XX/2017 from Wells Fargo that my modification is still pending..however they still moved my home into foreclosure. This is called Dual Tracking and it is against the 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 11-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Lazarus Financial Group, Inc.(Closed) (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I applied for my credit report, when I noticed items on my credit that I have never seen before, so I called the credit agencies and told them that items on my report were incorrect and they needed to be removed because I did not apply for them. 

They told me to file a police report and indicate what happened, which is why Im currently filing this complaint. Someone that Im not aware of used my identity to gain access to my credit and used it for what I did not authorized.

Company response to consumer: Closed
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (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: On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I submitted disputes to XXXX - Trans Union and XXXX - Neither times did I receive any results except for the standard letters that say its valid and verified. That is not what I had requested be sent to me - I asked for verifiable proof that the accounts I am disputed were 100 % legitimately my accounts and to send proof that they were or delete them immediately from the reports I have filed the disputes with. Not one time was this done and I was it to be fixed immediately as it is hurting my credit report. As a consumer it is my right to fix in-correct items on my credit file. As an agency it is their job to fulfill my request as stated!

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 12-11-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a bankruptcy on my credit report ( XXXX ). The only credit reporting agency that would not agree to fix my issue was equifax. The bankruptcy was never discharged. My discharge was withheld for failure to submit certification of instructional course for personal financial management. The case is reporting in accurately. I have spoken to many people over the last 3 months including supervisors. I have also been transferred to the office of consumer affairs and spoke to the supervisor their also and still received the same issue. I spoke to the bankruptcy court and they verify what is being reported and say that my bankruptcy was not discharged. I have submitted over XXXX documents to prove my information is reporting inaccurately and im still dealing with issues.

Company response to consumer: Closed with explanation