milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am buying a house and the mortgage company reported that they were only able to see XXXX ( XXXX ) score. That score is by XXXX. I tried to purchase a XXXX bureau credit score by XXXX but instead they send me a copy of my credit report which I already have from the mortgage company. XXXX has a policy that if you purchase a XXXX time copy of your scores or report it is non-refundable [ Buyer Beware ] .Their XXXX bureau score report is XXXX Neither Experian nor XXXX scores are available. I would be able to get a better rate if those other scores were available. We tried XXXX ( twice ) and called XXXX/XXXX/16 and the same problem. I have tried twice and gave up. When I try to go online and purchase those scores, they are always unavailable and they refund me my $ XXXX!! 
The agent at XXXX said he can see my score. But when I tried XXXX, they want me to purchase a 7 day Trial credit monitoring subscription and then {$19.00} thereafter before I can get my score. I refused because I only want a copy of my score which the agent says cost {$9.00}. THERE IS NO EASILY VISIBLE LINK ON XXXX to purchase such a score for such a price. To date I am still unable to get my scores

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 10-02-2015 about Mortgage (Other mortgage) with Servis One, Inc. (CT).
Issue: Loan modification,collection,foreclosure

Complaint: About XX/XX/XXXX XXXX XXXX made a predatory loan to me on my home. It was a negative amortization loan which I did not understand. The balanced balooned to $ XXXX when XXXX bought XXXX. I submitted multiple modification requests to XXXX and later XXXX. None were accepted because they kept claiming they lost the paperwork. XXXX sold the note to a hedge fund after a failed attempted short sale. The hedge fund located in XXXX, XXXX has refused various modification proposals and a refinance that I arranged through XXXX XXXX XXXX. They kept litigating to foreclose and take the property away from us. I declared bankruptcy on XXXX XXXX, XXXX and have bought some time but not much. BSI Financial the servicer refuses to cooperate as well. They have given me the run around. My loan number with BSI is XXXX, The loan is under XXXX XXXX. I invested {$450000.00} ( probably more than the hedge fund ) in the house which I bought for $ XXXX in XX/XX/XXXX. The original mortgage was $ XXXX. I got laid off from my job in XX/XX/XXXX from XXXX XXXX but kept up my payments until XX/XX/XXXX. Recently as I expressed to BSI Financial, my income is $ XXXX/month yet they refuse to modify. I also have a commitment from XXXX XXXX XXXX for a {$750000.00} new mortgage which they also refuse to consider. I need your help. We are hard working Americans and I was a XXXX XXXX and have an XXXX from XXXX University in XXXX. The market has been very bad in XXXX but we have been able to survive. I need you to set things right so we do not lose our home. I have XXXX children and have been married for 20 years and together with my wife 30 years. Please help. 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 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I believe I was one of the individuals who Navient made my repayment of my loans difficult. My interest rates was was extremely high and bad information was given. Please help me to get to the problem of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have repeatedly sent request to TransUnion, XXXX and XXXX that the Bankruptcy court does not report to credit bureau 's and that I would like to have it removed from my credit report. I received letters from them stating that they receive information directly from the courts, but upon receiving the information that they send to me, they get information from XXXX a credit reporting agency. I contacted XXXX in regards to this and they have deleted the bankruptcy from my file. I'm providing letter from XXXX to have the bureau 's remove this from my report/file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I applied for credit cards with XXXX and was advise soft pull. But I have XXXX or more inquries on credit file and with XXXX they are showing all inquries the same day with equfiax, XXXX and this can not be true and some stores more than once and I was approve for the credit card. I receive this address from XXXX and they advise me to file a complaint and maybe they will be remive. 
Also I file bankruptcy back in XXXX and listed all my old accounts due to excessive hospital bills and listed XXXX XXXX account in collection and XXXX and XXXX and all XXXX receive the notice regarding bankruptcy. They have theses account on my credit file as collection accounts and when someone review my credit file they show I still owe balance which is in correct. I have written to them contacted them by phone. I advise them even if the accounts were in collection they were included in bankruptcy and the need to be status correctly. 

I hope you all can help me I. This matter as I am trying to rebuild my life after years of XXXX back in XXXX. Lots of hospital stays, dealing with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: To whom it may concern, Several years ago I took out a line of credit home equity loan from Wells Fargo Bank to perform home improvements on my prior home in XXXX, XXXX During this time my family and I moved from XXXX, XXXX XXXX, XXXX for a job opportunity. During this time we were unable to sell our home and it was foreclosed upon. At the same time I filed for Bankruptcy that which included the line of credit loan, which appeared to have been assigned to a XXXX law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Subsequently my children and I moved back to XXXX ( XXXX XXXX area ) in XXXX XXXX and continued to pay the BK amount for the year. Subsequently, I received a letter which informed me I was not paying enough and the BK was being withdrawn. The amount owed for the WFB account was XXXX {$33000.00} ( which is confirmed on the XXXX website ). In XXXX, I received a letter from a XXXX court informing me a court order of garnishment for XXXX {$100000.00}. I have requested an accounting of the amount they have listed to validate/confirm the amount. XXXX XXXX XXXX XXXX letters have been sent to XXXX XXXX XXXX without any response. 

There are several issues that are quite unclear. 
How can a court rule without notifying me of a hearing date and then pass judgement? 
How did the outstanding amount go from XXXX {$33000.00} to XXXX {$100000.00}? 
Why have they not provided me with an accounting? 
I do not live in XXXX and have not for several years, should this not be handled in a court XXXX? 
When I moved to XXXX the court that handled the case was in XXXX and the reason I was given was because this is my place of residence. Now that my place of residence is XXXX should it not also be handled in the state of residency. 

Please help me in getting a response and a new hearing to validate the outstanding amount.

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 11-02-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Customer service / Customer relations

Complaint: Bank of America is continuing to harass me with phone calls for a credit card that actually has a negative credit balance on the card ( i.e., two payments were credited to the card, one made some time ago and another recently, so now effectively Bank of America owes me money ). On XXXX XXXX, 2015 at XXXX EST a representative of Bank of America called from XXXX, identified herself as " XXXX '' and wanted to discuss a recent complaint that I filed with the CFPB. I said " Fine ''. She then said that she wanted to record the conversation and I agreed, but when I stated to her that I would also like to record the conversation she declined. So apparently what 's good for Bank of America is n't good for their customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a letter from collector ( XXXX XXXX XXXX about a medical debit of {$360.00} owed from XXXX. I have never heard of this debt and was surprised in XXXX I received a letter of debt. I called the collected and told them I do not know what this is, then a week later I saw it on my credit report. I wanted to file a complaint because I have not clue what this debt is, the collected put in on my credit, that account is from XXXX and XXXX denied my dispute. I have no wear else to go, this is unfair from companies to do this to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (Medical debt) with Harvard Collections, LLC (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This company was listed on my credit report failure to send me anything in the mail giving me a right to dispute this debt that I DO NOT OWE. Not only do I not have a contract with this company they have been selling this unverified account from one collection agency to the next after I have thoroughly researched this matter and have disputed this account several times and since it has not been verified by the last two collections agencies they keep selling these unverified accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (MT).
Issue: Deposits and withdrawals

Complaint: I opened a account with Wells Fargo Bank on XX/XX/2016. I told them that I did NOT want my Social Security check transferred until I get all my automatic withdraws taken care of and then close my old account. They told me no problem and to come in when I was ready to do this. They transferred my Social Security check to my new account on XX/XX/2016 without my permission. On XX/XX/XXXX, the date my direct deposit goes through, I was negative in my old account due to Wells Fargo switching my Social Security check direct deposit. I went into the bank and talked to the representative and the branch manager they told me that they never sent anything in and no paperwork was sent in. I told Wells Fargo that they did because I talked to Social Security office that day and they told me that it was deposited in the Wells Fargo account. I 'm now getting charged every day over draft fees. I went back to Wells Fargo to explain that I shouldnt be responsible for these charges because it was their fault. The branch manager told me that they are not responsible and can not do anything about the overdraft charges. I have contacted Corporate and the regional manager and having no luck to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (FL).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: I am complaining cause I believe Comenity bank is denying my applications cause of age. I first applied for a  XXXX   XXXX   Visa  and then an  XXXX   XXXX  credit card and they have denied me on both occasions, On the  XXXX  Card they said they could not verify my identity and I have been at my address for years. I am going to attach my drivers license and a selfie of me holding my drivers license and my social security card so they can see its me. This is not fair lending that they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Settlement process and costs

Complaint: I was approached though repeated phone calls for almost a year to refinance my home from Fifth Third Bank. I was initially offered a " special '' refinance product that would quickly and easily drop a percentage point from our present loan with them. After collecting information I was presented with a " better '' option to refinance both my primary and secondary mortgage with substantial savings. I did pursue this option. After signing " loan lock-in '' forms, the time expired. There was no delay in the process on my part, but on the part of Fifth Third bank. I was sent another " loan lock-in '' form post expiration of the initial forms. This new agreement had percentage points and other costs added, which would have amounted to thousands of dollars of added costs for the loan. The interest rate had not changed though and no contact or explanation was given as to the added costs. I believe that most people would not have noticed the added costs seemingly hidden or buried in the paperwork. My opinion is that Fifth Third bank preys on unsuspecting borrowers using tactics such as " bait and switch '' and " shell game '' tactics to entice borrowers, then increasing loan points and costs to the borrower without explanation. This seems to me a dishonest business practice. My wife and I have walked away from borrowing from Fifth Third for the reasons stated. I feel their practice may prey on less educated and other at risk borrowers. The public should be protected from such practices.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax failed to secure vital personal information including name, address, date of birth, credit information and social security number, leaving myself vulnerable to identify theft for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Rewards

Complaint: On XXXX/XXXX/2016, Amex took away the XXXX sign up bonus, which I earned Platinum $ XXXX spend /XXXX MR Sign Up points on XXXX/XXXX/2016. 
I DID meet $ XXXX in qualified spending, and that Amex has not bee able to point to any specific reason. 
During 3 months periods, I spent over XXXX dollars, and earned XXXX points, although Amex requires XXXX / 3 Months periods. 
I think that Amex is trying to avoid paying the bonus that they incentivized when they accepted the application for the card from the individual.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Following a debt in question related to a visit to the hospital emergency room where, as an insured individual, a co-pay was paid in a timely manner, I received a collection notice from Transworld Systems, Inc.(TSI) at www.transworldpayments.com regarding a balance of XXXX for XXXX Emerg Physicians Acct. # XXXX which translates to TSI Reference number XXXX. The debt did not appear valid so I disputed the amount within the 30 day allowance and requested further information from the debt collector. Without producing this information to me for consideration, TSI informed XXXX, XXXX, and XXXX of the amount in question, resulting in an immediate negative impact on all XXXX of those particular credit scores, affecting my ability to lease a new home.

While the debt in question may be valid, I have been unable to contact TSI via their publicly posted phone numbers and by the phone number listed on their written correspondence which is XXXX. I have called their numbers multiple times over several weeks within their hours of operation noted as Mon-Fri XXXX to XXXX EST. I have left numerous voicemails, sent emails, and post and unable to get a customer service representative on the phone to discuss this matter. 

I am extremely upset that this company has reported a debt to XXXX third parties and further that they are completely negligent in responding to inbound inquiries. Further, their online user account system is completely insufficient as I am unable to log-in, contact support, gather information, or spark action of any kind using this venue.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: The borrower entered a Home Affordable Modification Agreement with XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. The mortgage loan servicer changed from XXXX XXXX XXXX to Caliber Home Loans on XX/XX/XXXX. The borrower was not aware of the transfer and continued to make timely payments directly to the prior servicer until XX/XX/XXXX. The payments were subsequently credited to the borrower 's account but the monthly mortgage statement includes a {$680.00} fee. It also states that the borrower paid another {$810.00} year to date in other fees. The borrower and I called Caliber on XX/XX/XXXX to determine why the fees are being charged. The Caliber representative stated that she did not know and she would send the borrower a detailed report explaining the fees. We have not yet received the report and the fees are still appearing on the borrower 's monthly mortgage statement and there has been no credit for fees already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Consumer Loan (Installment loan) with MARINER FINANCE, LLC (NC).
Issue: Problems when you are unable to pay

Complaint: About a year ago I went in to make a payment. The young lady that took my payment, and gave me a receipt. Now I have to mention, that I have been having some things happen unexpectedly that caused me to be late. 
I just submitted a payment on XX/XX/XXXX. I am being told that I did not make a payment XX/XX/XXXX. I personally took the payment in, however I ca n't find my receipt. I went 2 months back to back to get a car, when asked for my 10 day payoff, it was different. The amount went up {$200.00}. The salesperson even asked what kind of loan is this. The more I pay the higher my balance. I 'm starting to feel being that this happened before with my payment, that I 'm being scammed. The 1st lady that did it no longer works there, now the same thing with this young man. I spoke to this guy XXXX several times on the phone, yet I 'm being told that there are no notes on my account showing that I spoke to him. I even spoke to XXXX a word also is no longer there. At the time that I made the payment my foot was injured and I could n't drive, so I had someone drive there. Therefore I have a witness that it was paid. I just ca n't find my receipt and I 'm being told that they ca n't do anything without it, which I clearly understand, however I have a witness that watched me pay.

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 08-04-2017 about Payday loan, title loan, or personal loan (Title loan) with WHEELS FINANCIAL GROUP, LLC. (AZ).
Issue: Problem with the payoff process at the end of the loan

Complaint: I paid off my loan on XXXX XXXX 2017 and overpaid by about {$100.00}. I have contacted the company multiple times to get my money back and was advised that t can take 20-30 business days for my refund to be processed. Unacceptable. They want their money asap and if they do n't get it on the due date they start harrasing you the very next day, but yet it is ok for them to hold your money for almost 2 months?? That has to be illegal. I want to report them for theft and shady business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I ask Experian to remove items from my credit I furnished a police report my ID SS Card everything they ask for all items were removed except for XXXX its not mine I fueled the report with police ask for it to be taken off and the 46 inquieries which none of which havent been removed either. I have taken all steps and I have provided all info needed to prove its not mine

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