milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2017 about Credit reporting () with WELLS FARGO & COMPANY (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have paid this account by phone for XXXX years without incident. However, the payment made by phone on XX/XX/2017 was not posted to my account. I called on XX/XX/2017 to make another payment, and was told my account was delinquent. I have tried diligently to get this straightened out with Wells Fargo. Wells Fargo 's system shows the payment was called in on the XX/XX/XXXX but not posted to the account until the XX/XX/XXXX. This is some type of system error. On XX/XX/XXXX, I spoke with several different representatives. XX/XX/XXXX XXXX at XXXX stated that an electronic correction had been sent to XXXX , XXXX, and XXXX. After numerous calls to try and get the issue resolved, XXXX in the XXXX Office claimed that she researched the problem, and that although the payment was submitted to Wells Fargo on XX/XX/XXXX, the system showed that the payment would not post until XX/XX/XXXX This is some type of error. I have never post dated a payment, and was absolutely SHOCKED to find out the payment had not posted on XX/XX/XXXX, when I called on XX/XX/XXXX to make another payment. I am a Mortgage XXXX, and am very diligent in keeping all of my accounts paid on time. The reporting of this late payment has prevented me from getting a mortgage license in the XXXX of XXXX. I have pleaded with Wells Fargo to correct this error. I get a run around from XXXX person to the next, with a different story from each person I speak with. PLEASE help me get this XXXX day late payment removed from my credit report. I paid the account ON TIME.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX2017, Equifax made public that they had been hacked by an unknown 3rd party. On this same day, I used their website to find out that I may have been one of the 140 million people who may have had the their information stolen.
The incompetence of this company may now affect my personal credit for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have REPEATEDLY complained that Bank of America has not sent me a mortgage statement in, now, 3 years. They constantly confirm the coorect mailing address of XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX and insist that they are mailing the statements there, but I continue to not receive them. I have no idea what the monthly payment is or if it has changed. They also continue to post late fees for what was THEIR error in XXXX taking my mortgage payment and applying it to a credit card instead of the mortgage then threatening me with destroying my credit and foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-05-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with M&T BANK CORPORATION (NY).
Issue: Problem when making payments

Complaint: XX/XX/XXXX-went to M & T bank with check for {$9500.00} to deposit $ % XXXX to checking and {$9000.00} payment to home equity line of credit.I received receipts for each transaction. 

XX/XX/XXXX-no money showed in either account ; reported it to bank XX/XX/XXXX- {$500.00} showed in checking ; nothing in home equity several more visits XX/XX/XXXX-bank calls central services again ; say they've figured where the money is ; will take another 3-5 days to credit account. With my vocal complaining they'll try to expedite in 2-3 days. 

This means ~2 weeks to credit my account for the {$9000.00}! This is far too long. It was their computer malfunction that was responsible. 
I have my documentation/

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 08/22/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IN).
Issue: Application, originator, mortgage broker

Complaint: In XXXX 2015 I applied for a mortgage with Carrington Mortgage. I had an accepted offer on a house and the deal fell through because Carrington did not act in a professional manner and continue to act in an unprofessional manner. Recently I was asked for the same information only to be told that I MUST provide pays tubs although I am self-employed. I know that that is untrue. I feel as though I am being discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: An account was disputed and removed In XX/XX/2017. it was reinsrted in XX/XX/2017. I do not owe XXXX, XXXX has not supplied any validation of amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I looked at cars at XXXX XXXX in XXXX XXXX. 
After I was pressured into signing a paper I immediately asked the sales rep to cancel my application. 
XXXX XXXX ran my credit to various lenders without my permission and now the Credit Companies refusing to remove the inquiries. 
This is fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Other debt) with URS Holding, LLC (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX is the company XXXX is the debt. I have sent multiple letters with return receipt to get proof of debt and they have failed to provide it. They also threatened to sue me so I started making payments not knowing if this debt is mine. They will not take this off my credit. I challenge whether I owe this debt. I got student loans and that should have paid the amount. I am challenging this debt as I do not believe I owe this company any money. They Ave failed to provide proof

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are fraudulent accounts appear in my report, please investigate them :  XXXX  -  XXXX    XXXX   XXXX   XXXX   -  XXXX    XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 non-monetary relief
Consumer complaint received 10/18/2017 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 AM A VICTIM OF IDENTITY THEFT AND I BELIEVE THERE ARE JUST INCORRECT ADDRESSES ON MY CREDIT REPORT WHERE I NEVER LIVE, NOR DID COMMERCIAL TRANSACTIONS THERE. I REQUEST TO ALL THE CREDIT BUREAUS TO REMOVE THEM. SOME TIMES THEY SAY OK AND SOMETIMES THEY SAY WE CANT. BUT THE HAVE NEVER BEEN REMOVE. CERTAIN ADDRESSES HAVE STOP ME FROM BEING ABLE TO RECIEVE CREDIT DUE TO FRAUDULENT ACTIVITIES. COMPANIES LIKE XXXX XXXX XXXX, XXXX AND CREDIT CARD COMPANIES HAVE STOP ME FROM GETTING CREDIT BASE ON THE FRAUDULENT ADDRESSES AND PHONE NUMBERS ON FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: on saturday XXXX XXXX 2017 i deposited my tenants TD bank account check for {$7700.00} into my TD bank checking account. on sunday it said the funds were pending. on monday it said the funds were pending. on tuesday morning the funds cleared and were deposited into my account. i needed to write checks out so to be sure i called the banks customer service line and they said the funds were from a TD account to a TD account and they were in there go ahead and write your checks. i then proceeded to write out checks and send them out. that night i went into my account to transfer funds and noticed my account was in the negative. i called customer service and they apologized and said i should go to speak to the bank. i went the next morning and they were sorry but said they should have never said to write my checks.i said the funds were cleared to my account that i should n't be responsible, they should. I feel they should be going after the person who wrote the check since she is a TD bank customer and it was a TD bank account and they cleared the money. This is n't a small amount I can make good on. Why should I have to make good on the monies and go after her when they told me the funds were OK to write checks on and use and I have proof the funds were cleared in my account. even in the overdraft letter they sent me it states the funds are usually available the next business day unless an extended hold is placed and that the deposits show as pending until the funds are fully available for use. another customer service rep called me wednesday to apologize and say they will use my case in training. i told them they should be going after their client since they cleared the funds not me and it was n't right i should have to scramble to make good on the checks i wrote. they said they would credit my account for the trouble {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I were part of a modification on our home with an attorney we hired to represent us and our mortgage company. We got approved for a modification and received a copy to sign. My attorney also got a copy and told us that this modification was a good one and urged us to sign it and mail it back to the mortgage co as soon as possible. We were excited that the payment was what we could afford. Our attorney we thought read through the agreement before advising us to sihn it. He never mentioned anything about the other numbers we latter found out were involved that soon lead us to defaulting on our modification. 
We were completely unaware that the payments we were sending to the mortgage company were insufficient. We knew the figure as being correct. The mortgage company was sending all statements and communications about our modification directly to our attorney and not to us at all. We had no idea we were defaulting. Our lawyer refused to answer any of our calls or further emails from us to him. Our attorney never informed my wife and I that he was getting all mail from our mortgage co. His address was even on all the statements. Our mortgage company is now in active foreclosure of our home. We are extremely unhappy with how our mortgage company conducts business with it 's clients. We were never made aware of what exactly our numbers would be on a monthly payment basis. We desperately want to save our home from another foreclosure attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Consumer Loan (Vehicle loan) with KEYCORP (NY).
Issue: Managing the loan or lease

Complaint: I bought a car that was financed by First Niagra bank. A year later, first Niagara merged wit a bank called Key Bank. Since this merger I have had issues with payment. Anytine I make a payment, they tell me they do n't receive it. But when i check my bank statement it shows that the payment was taking out. I have been calling since XXXX to resolve this problem but to no avail. They are very incompetent and very unprofessional. I have had debt collecting call since XXXX and I 'm not even at fault. The worst part is that it has wrecked my credit score. My credit used to be very good and now its below average. I 'm a young woman who has been working very hard and going to school so I can have a great future and a good life. That seems like a dream now because of this problem. I will be going to XXXX school next semester and I dont know how I 'll get a loan with my credit score the way it is right now. I am frustrated and do not know what to do. To anyone reading this, please stay very far away from Key Bank. They are horrible and could ruin your lives. In America, you need good credit for everything, when it ger ruined or wrecked you are XXXX. You can not buy a gouse, rent one or even buy a car.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Debt collection (Private student loan debt) with Partners Financial Services Inc (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Trying to impose XXXX dollars in fees which is against fait debt collections practices act a serious violation and US Government Does nothing About this type of fraud I have tried numerous disputes with XXXX XXXX and have gotten on where Date of account opening XXXX XXXX 2015 that will have to checked also for accuracy PARTNERS FINANCIAL/XXXX XXXX XXXX XXXX, MO XXXX Somehow has added these fees and falsey reported it to XXXX as a collection account

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit card () with PAYPAL HOLDINGS INC. (OK).
Issue: Unsolicited issuance of credit card

Complaint: On XXXX XXXX, 2016, I placed an order from XXXX website using a XXXX. I filled out the forms that popped up. Unknowingly, the website had me sign up for PayPal Credit. On XXXX XXXX, 2016, I received a statement for an unpaid balance for my purchase. Upon calling PayPal Credit, I find out that I have a {$2300.00} line of credit. I have paid for the transaction and closed the account. I feel that PayPal Credit did not fully vet the vendor to see how their website is signing customers up for PayPal credit. PayPal credit says they do not report to credit bureaus ; however, I am concerned that my credit score will be affected by this. PayPal credit also informed me that they are not a credit card, but my account number is XXXX-digits long. I am beyond frustrated and they need to be held to the same standards of every other company in the financial industry. I also did not receive a privacy notice until my statement arrived. Had I not opened my mail, I would have ruined my credit because I believed it to be junk mail.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: Booked a travel ticket with XXXX XXXX. Immediately canceled the ticket and never travelled with provider. Was never issued a refund. Initiated charged back which was then rebilled.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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 disputed my credit report with Equifax and they told me I could n't email the dispute because of the problems they recently had but I could fax it or mail it so after receiving their fax number I faxed it ( XXXX/XXXX/XXXX ) I got confirmation that the fax went through so I called them two days later and was told they had n't gotten the fax but give it more time. I then called a week later and was told the same thing. At this point I 'm totally upset because I never got I acknowledgement of my dispute, all of my personal information went somewhere else and my credit score with them has just dropped after I sent them proof ( acknowlegement from the company ) that my collection was paid. I also sent them a dispute with XXXX XXXX with all of my bank statements, personal information, Social Security number etc ... .. 

I also received note that a address was added to my credit report. Please help!!! 

If not acknowledged that they received it after I got confirmation I 'd have to file a law suit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My loan was serviced through Navient. A few years ago I was trying to get onto a low payment play and take advantage of the Public Service Loan Forgiveness Program. I was told by Navient that the " graduated '' repayment plan that I was on qualified for that program and that after 10 years of payments the remainder of my loan could be forgiven. A month or so ago I called to check on something and was informed that in fact the plan I was on did not qualify, meaning that for the last 2 plus years I was making payments that were not qualifying for said plan.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit card () with U.S. BANCORP (NY).
Issue: Delinquent account

Complaint: XXXX and XXXX put false information on my credit report. I was XXXX when someone took a credit card out in my name. I never permitted. I told XXXX and they still made me pay it. They said they will make my credit better if I pay it and they never did

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 03/31/2016 about Debt collection (Medical) with Harris & Harris, Ltd. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have called to make payment arrangements and no one is available to speak with at their office. I still have been sending payments to them of {$40.00} or {$50.00} dollars a month because I have other medical bills to pay also. They sent me to collections without the ability to ever communicate with their office about payment arrangements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VT).
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: XXXX Complaint File with your Company..Yes I did file a Complaint with equifax Back in XX/XX/XXXX and they Removed it and always I file with XXXX and they remove that XXXX Account I gave you the the Confirmation number Equifax gave me on the complaint I filed on XX/XX/XXXXand Here is is again. ( XXXX ) ..And try to have them Explain if it was back inXX/XX/XXXXand why XXXX just filed it again with them in XX/XX/XXXX.I want this removed..Vermont Consumer Affairs was even called and report on comcast..XXXX removed it from their site when I filed a dispute with them..I am very unhappy with your site and Equifax allowing such Fraud that XXXX is doing to..They tried with other Consumer Reporting Agency and I disputed with them and they dropped them..They doing it Even with My next door Neighbor.And their report Agency never had contacted me, ,If the did I would of disputed with them..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2017 about Debt collection (I do not know) with Nations Recovery Center (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Nations Recovery Center keeps calling my elderly parents and scaring them with debt that I might owe. they are not providing information but calling and hanging up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2018 about Mortgage (Conventional home mortgage) with STONEGATE MORTGAGE CORPORATION (WI).
Issue: Trouble during payment process

Complaint: My mortgage has an escrow provision. At the end of the year, on XXXX XXXX, 2017, my property taxes were not paid. I therefore used my credit card to pay the property taxes on the property. I contacted the mortgage company, XXXX XXXX XXXX / Stonegate Mortgage, and asked for a refund of what is, after all, my money. I contacted XXXX XXXX / Stonegate and asked for an immediate refund. They stated they would get to it in XXXX. 

I have contact the local municipality and have confirmed with them that the property taxes were paid through my credit card and not an escrow account check from XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Billing disputes

Complaint: I had bought a laptop from XXXX using my chase credit card mileage explorer. The laptop was defective and i contacted dell to return it. It was returned ot them via return courier. 
I did not receive any refund from XXXX. Therefore I contacted Chase to file a dispute with XXXX to get my money back but they did not dispute with the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a complaint # XXXX. It has been closed but the issues have not been resolved, nor did I ever hear from anyone. I have a police report. Wells Fargo sent me keys to access my townhouse, but there is no keyhole to put the key in. The front door is sealed without key access. I still have things in the house, and they are aware of this. They leave messages that say, " I have resolved the issue. '' and then close the issue but they never speak to me nor do they resolve the issue. I have lost my XXXX license because I have tax information in the house that was stolen when they changed my locks and the rest is now locked in the house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation