milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-06-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (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: I have written to XXXX XXXX/Rooms to go on a minimum of three occasions requesting proof that this account is mine. I have no recollection of opening an account with them and certainly did not fail to pay any amounts owed. 

They have not sent me a copy of the written agreement which supposedly I signed nor have they provided me with a pay history from the beginning of the alleged account opening. 

This charge off is harming my credit profile and score.

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 03-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing a complaint because Transunion has ignored my request to provide me with the documents that their company have on file that were used to dispute the account I disputed. being that this is gone pass the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( a ) of the FCRA, they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this manner as soon as possible Thank you

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 10-05-2017 about Debt collection (Auto debt) with URS Holding, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX {$370.00} Alltran Financial , LP claims there is an unpaid lease charges reported by XXXX XXXX XXXX. Alltran Financial claims I HAVE TO DISPUTE THE VALIDITY OF THE DEBT within 30 days, otherwise they will ASSUUME this debt is valid. I called their provided number and I have reached is a voicemail. 

I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX all obligations have been fulfilled and their record shows a zero balance. 

I have also called XXXX XXXX XXXX today after receiving the letter from Alltran Financial , LP, and confirmed my lease payment has been fulfilled and account was closed since then.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX, 2016, the following ACH transactions were debited from my account : ( 1 ) XXXX $ XXXX ; and ( 2 ) .XXXX XXXX : $ XXXX. On XXXX XXXX, 2016 and per Bank of America 's email of a transfer alert, {$500.00} was transferred to my account. At the time the {$500.00} transfer was deposited in the account ( and received by BOFA ), the status of the transfer as well as the ACH transactions were " processing '' according to my online banking transaction screen. On XXXX XXXX, 2016, I received an alert from BOFA stating that my account is overdrawn and I was assessed a fee of {$70.00} ( {$35.00} per transaction ). Upon discovering this fee, I called BOFA and spoke to a representative ( XXXX ) about this matter and was told that I did not have sufficient funds. I then asked about the {$500.00} transfer that would have covered the ACH debits however, the representative just repeated her previous statement and stated that BOFA can not process funds on the weekends. I was able to see that the {$500.00} was posted to the account on XXXX XXXX, 2016 but was " processing. '' BOFA decided to post the ACH debits and did not use the {$500.00} transfer deposit to apply to the ACH debits that were also " processing '' during the same time period.

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 08-11-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: sent in application for loan modification ( XXXX times ) bank claims they never received them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Mortgage (VA mortgage) with PNC Bank N.A. (SC).
Issue: Trouble during payment process

Complaint: PNC MORTGAGE CO PHONE  XXXX   XXXX   XXXX  DECEASED  XXXX  I AM HIS DAUGHTER AND LEGAL OWNER OF THIS PROPERTY ALL LEGAL DOCUMENTATION HAS BEEN PROVIDED FROM   XXXX   XXXX   XXXX   (  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  (  XXXX  )  XXXX  PNC NEVER WANTED TO REFINANCE THEY JUST COMPLICATED EVERYTHING BY JUST PUTTING ESTATE OF AND MY NAME WAS ADDED TO NOTHING ON PAPER SO IT COMPLICATED INSURANCE AS WELL. I DECIDED TO JUST REFINANCE WITH ANOTHER COMPANY AND GET EVERYTHING STRAIGHTENED OUT OF THIS MESS.I PAID  PNC  {$20.00} FOR THE CORRECT PAYOFF IT WASNT  FREE.FIRST RATE  PAID THEM BY THE DATE OF PAYOFF REQUESTED AND IT WAS {$800.00} OVER.  PNC S ENT ( MY ) REFUND CHECK MADE OUT TO THE ESTATE OF INSTEAD OF ME THE LEGAL LIVING OWNER WHO BORROWED THE MONEY TO PAY THEM OFF.I CALLED  XXXX / XXXX /  XXXX   AND THE CUSTOMER SERVICE REP TOLD ME IF I CANT DEAL WITH THE CHECK IT WILL GO TO MY STATE . HOW HELPFUL!!!! I  CALLED  XXXX / XXXX /  XXXX   AND ASKED FOR  A MANAGER AND WAS TOLD ONE W ILL CALL ME BACK IN  24 TO 48 HO URS UNACCEPTABLE!!!! MY ISSUE IS I PAID AN ATTORNEY AND WENT THROUGH ALL THE PROPER CHANNELS AN D PNC SHO ULD NOT PLAY GAMES WITH MY REFUND CHECK AND I WANT MY CHECK SENT TO ME IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: In 2010, we combined a first and second loan ( home improvement ) through Wells Fargo Financial in Texas. We told the WF rep that we wanted to combine the first and second at a 30-year fixed rate. The representative assured us we had the 30-year fixed rate loan and to sign the papers, which we did. We later discovered he had given us a 40-year simple interest loan. The would not allow us to include escrow for taxes and insurance. Wells Fargo Financial dissolved and Wells Fargo Home Mortgage now has our loan but wo n't refinance the 40-year loan to a lower term. Our principal has increased and not decreased at all. The interest is more than the payment each month. We are current and feel we were taken advantage of as we would have never signed a 40-year loan had we been told about it.

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 12-08-2015 about Debt collection (Credit card) with Nelson Cruz & Associates LLC (KS).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Company calling on behalf of a law firm XXXX ... or something like that.. but they wont give out their company 's name ... they are stating they are not a collection agency. They have called 3rd party family members multiple times telling them they will put a lien on our house.They say they are n't violating fair debt act because they are not a collection agency. They are harrassing us and our family though.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Subject : Blue Print Fraud, Fraudulent Appraisal, Predatory Lending Fraud They forged my name and did shoddy paperwork. 
They sold my loan and did not make me aware of it. 
They market my home for more then it was worth deliberately. 
The mortgage loan officer make promises he did not keep we ended up have an interest only mortgage which we did not know.. 
They did not let us bring in our own inspectors in to the home they told us that we have to use there inspectors. 
They gave us a XXXX/XXXX mortgage with would include a home equity loan which we where unaware of.

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 12/20/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I ask to XXXX, XXXX and XXXX for my annual credit report and I found out that this collection company by the name MIDLAND FUNDING with address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX with phone number XXXX have my personal information and make a report to my credit that I owned money to XXXX creditors the first XXXX is XXXX with account number on my credit report XXXX and to original creditor XXXX with the account number on my credit report XXXX. Originally I never did a contract with Midland Funding or authorized them to work with my personal information. The debt that I had with XXXX it is already too old passing the 7 years and the XXXX with XXXX is illegal because I do n't know them or did any contract or agreement with them in the pass.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: this is a cable bill that was CANCELED and paid with all equiptment returned undamaged. I told them repeatedly that the equiptment was returned at the corporate location drop off. They are billing me for XXXX cable boxes that were returned. The final bill was paid and come to find out that the debt was RESOLD after it was resloved and paid. I have asked repeatedly to remove the negative marks and the hits for my credit score and I was told they will continue to call until I pay it over again. Then I was in tears and the lady laughed and hung up on me. This was paid in XX/XX/2015 along with XXXX other debts.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I had a 2nd mortgage with Ocwen Loan Servicing that I paid off in XXXX of XXXX. I currently have sold my property and during the title search that the lien on the property has not been released by this company. I contact them and they stated that the paperwork was returned no such address. Upon further investigation I discovered they sent the paperwork to the wrong county, It was never followed up on after that. I contacted them on XXXX XXXX, XXXX and they stated they would expedite the release and it would take approximately 5-10 days. It is now XXXX XXXX, XXXX and this lien is still not been released. I have had numerous conversations with XXXX a " Senior '' lien release officer and he keeps telling me 5-10 days repeatedly. Now they are saying they are going to have to research the company that initiated the loan. This is getting ridiculous and should not take this long to complete this release when it should have been done 3 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Bank account or service (Savings account) with TCF NATIONAL BANK (MI).
Issue: Deposits and withdrawals

Complaint: I have a savings account at TCF Bank in XXXX, Michigan XXXX. In XX/XX/2016, my savings account was closed and my savings were withdrawn. I do not know who and why the bank closed my account. I called the Customer service in XX/XX/XXXX and gave my account number and information. I was told that according to their record my account was closed and a check will be mailed to my address in XXXX and to allow 10 days for mailing procedure and mail delay. I waited, but until now now ( XX/XX/XXXX ) no check in the mail. I called the 1-800 number today, but according to the customer service, she can not find my record and account number information. She suggested to visit the XXXX, Michigan branch. But I am not in USA at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: As of this morning XXXX accounts were deleted from my Equifax report that I had disputed. Then later in the day they were added back on. Since then my credit has dropped and started the aging on those older accounts all over again! As laws go, the Fair Credit Reporting Act ( FCRA ) If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they cant put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (Other debt) with ConServe (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Reviewed My  XXXX ,  XXXX , and   XXXX   report and say this collection from Conserve I have never had an account with Coserve nor do I owe the original creditor any money. I would need some kind of validation show how and why I owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: I got my 3 credit bureau report from XXXX which is a service provided by Experian. When I got my reports on XX/XX/XXXX, my credit scores were as follows : Experian : XXXX XXXX : XXXX XXXX : XXXX Later on today XX/XX/XXXX when I obtained my 3 credit bureau report, it showed that my score has dropped significantly, as follows : Experian : XXXX XXXX : XXXX XXXX : XXXX There has been no changes to my report between XX/XX/XXXX and XX/XX/XXXX. No inquiries, no new debt, no new accounts, no missed payments etc. So I do not understand what caused this massive score drop. I tried to contact the credit bureaus via phone but they couldn't explain what caused the score drop even when there were no changes to my report and said that they can only file disputes. Since they were not able to provide me with a reason for the score drop, I don't understand what information I needed to dispute. 

The only reason I can think of is that, I disputed a XXXX account with all 3 credit bureaus. Probably, my dispute, changed the charge-off date to show that it happened recently. Probably in the eyes of XXXX it shows that the charge-off just happened and my scores dropped. Apart from this, there is no other reason for such a huge score-drop. If this is the reason, this is a violation of protocol where the bureaus need to report accurate information. They can not change the charge-off date to recent when it had happened over 2 years ago. As mentioned on CFPB website, filing a dispute does not renew the debt neither does it change the date. If it does, this is a huge step back for consumers who wants to file a dispute. I have attached my credit reports from XX/XX/XXXX and XX/XX/XXXX, which shows all my account details as well as my credit scores. 

If filing a dispute results in a score drop, US citizens are not safe. I am trying to get a home loan, but with this massive score drop, my chances of approval will be very slim and even if I get approved, the mortgage rates will be really high.

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 05/27/2015 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/2015, I scheduled a XXXX time draft payment of {$470.00} to be deducted from my XXXX Bank checking account. 

On XXXX/XXXX/2015, a double payment of {$940.00} was debited from my checking account causing my account to go into a negative balance. I immediately called PennyMac Mortgage Company. XXXX XXXX, faxed a request to XXXX for {$470.00} to be refunded to my checking account. Also, investigation # XXXX opened. ( To date, I have not heard any status on this investigation ). 

On XXXX/XXXX/2015, Called again, spoke with XXXX XXXX at extension XXXX. Faxed the same request to XXXX to his attention. 

XXXX/XXXX/2015, XXXX XXXX extension XXXX, she told me she would start the refund. She would call at XXXX ( EST ) for a conference all to my bank to vfy the debit would be honored, that no dispute was in process. 

XXXX/XXXX/2015, I called XXXX at XXXX after receiving no phone call. She verified needed information with bank. 

XXXX/XXXX/2015, Left voicemail with XXXX, no response. 

Fees I am incurring so far .... 
XXXX/XXXX/2015 Debit Memo {$6.00} ( {$610.00} ) Memo : SERV CHG XXXX/XXXX/2015 Service Charge {$6.00} ( {$600.00} ) Memo : SUSTAINED OD XXXX/XXXX/2015 Service Charge {$6.00} ( {$590.00} ) Memo : SUSTAINED OD XXXX/XXXX/2015 Fee eNotice {$70.00} ( {$590.00} ) Memo : OVERDRAFT ( XXXX AT {$35.00} EACH ) I explained to XXXX XXXX who seemed to sympatize with me that this issue is turning my world UPSIDE DOWN!!! I live paycheck to paycheck like many Americans in today 's society. My account is overdrawn. I have no money to live on, for gas, groceries, etc. I had to borrow money from family to pay my bills with MONEY ORDERS. I am incurring fees that I can not afford. THIS IS EXTREMLY UPSETTING AND THE COMPANY SEEMS TO MAKE NO EFFORT TO RESOLVE THIS OTHER THAN CALLING MY BANK TO ENSURE THEY GET THEIR FUNDS!!! HOW INSULTING!!! 


I want a refund of {$470.00} for the payment that was debited from my account in error plus {$90.00} for the fees that I have incurred from XXXX Bank for my account being overdrawn. On XXXX, I was assured that I would receive a refund, it has been 9 DAYS!!!!!!! Each day I am so upset & stressed out. It 's just not fair that this company is getting away with this!!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Mortgage (Conventional home mortgage) with PROVIDENT FUNDING ASSOCIATES (MN).
Issue: Trouble during payment process

Complaint: The issue I have with the mortgage company is about PMI ( Private Mortgage Insurance. ) The loan is about ten years old, and I have been paying for PMI since the inception of the loan, and have made several attempts to cancel the PMI, but Provident Funding refused to cancel it. I have met every requirement that would allow this PMI to be canceled at least three years ago, and they keep coming up with all sorts of excuses not to cancel it. I have paid for two appraisals, and they still find a way to skew or devalue the value of the property so that they will not cancel the PMI. The original mortgage loan amount was {$300000.00}, and the current balance is {$230000.00} which means that the loan has been paid down by more than {$64000.00}. So far, I have paid more than 21 % of the original loan, and yet they refused to cancel it. When the loan was first issued, Provident Funding appraised the house for {$330000.00}. The last appraisal they did which I paid for was in XX/XX/XXXX, and their appraisal valued the home at {$260000.00}. What is funny about this appraisal was that housing market in XXXX and XXXX XXXX areas had fully recovered since XX/XX/XXXX, and the rate of recovery when their appraisal was done was between 85 % to 90 %. Based on the original assessment of {$330000.00}, and housing market having recovered close to 90 %, an honest appraisal would have valued the home close to {$290000.00}. However, that was not even my biggest concern, what got my very confused and depressed was that they completely ignored that the house received a substantial improvement which in my opinion would have valued the home in XX/XX/XXXX, at upwards of {$340000.00} based on what the value was in XX/XX/XXXX. See my attachment for more information regarding the renovations done to the property. Another thing that I was confused about is how I was told that the PMI would be canceled in XX/XX/XXXX, and when I called as I was told to do in XX/XX/XXXX, they changed their mind. They came up with this excuse that they did not know that the house they have a mortgage on was a two family home, and because of that, what I was told were the guidelines on PMI has changed. Funny, they appraised the property, took a lot of pictures, and they did not know that it was a two family home? Well, single or two family home, it does not matter to me, this is still my residence and has been for twenty plus years.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Wells Fargo recently foreclosed on a home where I had two loans with them. After the foreclosure, there was a balance which substantially pays off the second loan. Wells Fargo was notified by the court system that the money owed to them was available. They refused to acknowledge this and change the account number on the loan and are reporting as delinquent for over {$69000.00} than owed. I tried to dispute with the credit reporting bureaus - XXXX and XXXX - both disputes when I tried to load them onto XXXX XXXX would not transmit to the companies - supposedly XXXX XXXX 's reporting mechanism was not working - I tried several times! The attorney handling the foreclosure has corresponded directly with Wells Fargo regarding the over {$69000.00} and they still keep reporting me delinquent, will not state the correct amount owed and as they told me they would are working to ruin my credit. 

Do I have to sue Wells Fargo and the Credit Reporting agencies in order to get this matter taken care of. If so, I need to do it quickly as that is how Wells Fargo was able to foreclose of the first loan - the judge stated I took too long to sue them after trying to years to get them to acknowledge that I had already paid the loan off. Now they are doing this to me again - they are basically ignoring my calls and letters and refuse to first collect their and give me an updated loan amount with the new number they have changed the account. 

What can I do going forward?

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