milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I would like to file a complaint against Wells Fargo Mortgage for what I believe is fraud. I purchased a home in XXXX of XXXX in XXXX, Georgia ( XXXX XXXX XXXX XXXX XXXX for {$210000.00} and used Wells Fargo Mortgage as my lender. Wells Fargo sent an XXXX out to appraise the value of the house and the house appraised for {$210000.00}. I applied for a conventional loan which included PMI. 
At the time of purchase, the basement was unfinished and the square footage of the house was XXXX square feet. I have since had the basement completed to include a full bathroom, a full kitchen, a bedroom, a living room, a game room, and a theater room. The square footage on the house is now XXXX square feet. 
I contacted Wells Fargo to have the PMI removed from the mortgage and Wells Fargo sent out an XXXX to appraise my home. The XXXX spent approximately XXXX XXXX XXXX XXXX minutes in my home appraised it {$210000.00}. I contacted Wells Fargo to dispute the appraisal and I was told that home sales are down. I had my own appraisal completed and found that XXXX homes in my community, similar to mine, sold for {$290000.00} and {$270000.00}. The XXXX that Wells Fargo used did not compare homes that were in my community, instead, homes in an adjacent community that have lower valued homes were used. 
I believe that Wells Fargo is committing fraud against homeowners by using their chosen appraisers to appraise homes for loan values and then using their appraisers again to appraise homes at lower values in order to charge consumers unnecessary fees. I request that my complaint be investigated.

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 11/23/2015 about Debt collection (I do not know) with SKO Brenner American, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have something in collection that i have no idea what is it.collector name : SKO BRENNER AMERICAN.Then i dispute XXXX XXXX online.investigation result deleted, description # XXXX, file XXXX, date XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Diversified Consultant is reporting to the credit bureau that I owe a XXXX account in the amount of {$980.00}. Accounting to my credit report the account was open X/X/2015. I have never had an account with XXXX. I have ask for Diversified Consultant over 5 times to validate the debt and they have failed to do so. My rights under the Fair Debt Collection Practices Act ( FDCPA ) states I have the right to request the creditor to prove that the account belongs to me. Diversified Consultant has not done so. The only information they have been able to provide is a computer print out of a XXXX bill. This information does n't proves it belong to me nor does it proves I have a signed agreement with the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-11-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I went to a XXXX to have XXXX work done. They set an appointment for me, sent a notification reminder, when I arrived I was told since I had n't paid the {$2400.00} " The doctor ca n't see you. I now know this amount was far was way to high for the treatments I 'd received. I was overcharged and previously had paid over {$400.00} in advance. I 'd requested they file with my insurance, they refused even though they had previously filed for payments, for which they also overcharged. 
I am a XXXX XXXX unemployed veteran, living with friends, so I 'm homeless. I had XXXX since the XXXX had completely XXXX. I suffer from XXXX that causes headaches and I was left virtually with non-functioning from XXXX, in pain and unable to bite normally. They 're failure to complete the work, left me decades for 2 years. I am on a fixed income and am a XXXX over XXXX. 
I became so desperate a friend sent me another dentist, who corrected this XXXX poor quality and incomplete work. The charge was nearly XXXX % less with the new XXXX, who did bill my insurance and took payments as this dentist originally indicated she would. 
The dentist that did n't do the service or provide goods ( my XXXX that function appropriately ) billed me for over {$2400.00}, has a collection agency harassing me to pay for goods and/or services I never received and reported the fraudulent amount of {$3000.00} to all major credit bureaus. Now their collection agency harasses me and say they would ruin my credit report. These harassing calls were recorded. Now they have, in fact reported these erroneous fraudulent charges and they are on my credit report with all XXXX major credit reporting agency.

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 02/27/2016 about Debt collection (I do not know) with Convergent Resources, Inc. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Convergent Outsourcing did not have a permissible purpose when it made an inquiry of my XXXX credit report on the following dates : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX. Please have Convergent Outsourcing explain why it accessed my sensitive financial information and to provide any documents to support their reason.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (DC).
Issue: Loan servicing, payments, escrow account

Complaint: Due to a financial hardship in XXXX I was forced to file a Chapter XXXX to keep my home. Over the last four year with the exception of one month my payments were made in a timely manner. On Monday, XXXX XXXX, XXXX I received " Notice of Motion for Relief of Stay from the United States Bankruptcy Court. The reason for the motion was that I had not made mortgage payments for XXXX XXXX through XXXX XXXX. I have cancelled checks for all months in question except for XXXX. I did mail a payment for XXXX but was told by someone from XXXX that they were instructed to " hold the check ''. I feel that I am being treated like a criminal for filing bankruptcy. At no time did my mortgage company try to assist me during my hardship. Which they were completely aware of. It is very disheartening to learn your money is being taken, not applied to your account and you are at risk of losing your home. I did not think this was legal practice in the United States. My American dream of home ownership has been a nightmare. Would someone please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have submitted to Equifax XXXX XXXX in writing 4 times to remove or show proof of two items ( not mines ) that is showing negative on my credit report. I have requested in writing to show actual documents signed from these XXXX lendors, and the request is repeatedly being denied or being ignored. Equifax has sent me a letter indicating the outside collection agency XXXX not the original lender ) indicating that they have verified the account. I have ask them to provide to me who they verified the account with, name, and etc, They will not provide original documents from the original XXXX XXXX XXXX, and XXXX XXXX and therefore has ignored and denied to remove such items. By law it is my right to ask for signed documents with my signature from the original creditor, these items has not been provided. I was told that they do not have to provide me XXXX customer service ) with no information. I am requesting to remove XXXX and XXXX as I did not request to initiate services with these to companies. I also advised most of these lendors, ask for information over the phone to initiate services, which information can be breach or hack by someone else that is not me. I am not successful with Equifax to remove these items, or to show signed documents proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2015 about Debt collection (Auto) with Fenton & McGarvey Law Firm, P.S.C. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a auto loan with XXXX XXXX. The repo 'd my car and left a balance of. This attorney Mapother & Mapother sued me and garnished my wages. I been paying on it for 3 years and I showed it was paid XXXX 2015. I have called them 3 times along with XXXX XXXX And sent them certifified letters to get this resolved. Still nothing from either of them. Under the fair credit act I have a right to this information. They still are garnishing my wages but I have no idea why and why I can not see my payment history to vertiify my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Consumer Loan (Installment loan) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Shopping for a loan or lease

Complaint: Midland funding purchased a a past due account in XX/XX/XXXX and began a very aggresive collection, on a debt that originally began in XX/XX/XXXX, per the letter attached In XX/XX/XXXX they elligally placed a Judgment against me violating a fair credit act, which states that they can no longer collect or report past the 7th year they need to remove the judment within the next 10 days and XXXX needs to remove it from it 's credit reporting Thanks XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: information is not mine

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On X/XX/17 I filed a complaint against Sallie Mae in which they have still not sent any response to. I also would like them to send me a copy of all loan documents from XXXX XXXX that shows my signed signature on it. I have been trying to get this problem of falsely showing late payments on my credit report when in fact the loan was in deferment. And there are several loans for XXXX XXXX when in fact I only applied once for a medical billing course.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am challenging Public Record Information on my credit reports as being inaccurate in its filing. The bankruptcy was initiated by the Federal Court, a government agency. Accordingly the term " Dismissed '' means that it is adjudicated by the law. The filing case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (I do not know) with Io, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from RECEIVABLE MANAGEMENT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RECEIVABLE MANAGEMENT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed
Consumer complaint received 02/16/2018 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Citizens Bank charged me three insufficient overdraft fees totalling {$100.00} for an account that was overdrawn by {$8.00}. I was not given notice either by mail or email I was being assessed such excessive fees for such small negative amount of money. I called Citizens Bank and the representative explained me that she couldn't reverse those fees because I received alerts on my online banking, which I would only know if I logged into my account. The overdraft fees charged by citizens bank are excessive and charged without notice to me. This practice is deceitful and unfair to any consumer. Citizens Bank has been sued multiple times for its unfair overdraft fee practices. I was an affected member in the past in some class actions against Citizens Bank unfair overdraft fees assessment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MA).
Issue: Credit line increase/decrease

Complaint: American Express unexpectedly lowered my account limit from {$10000.00} to {$6200.00}. When I called and requested further information, they stated that a periodic review had encouraged the decrease, due to my " balance-to-payment '' ratio. However, I believe this is a fair lending violation. I previously held an American Express credit card with my former-boyfriend ; he was the main account holder. Throughout his tenure as a card holder, his credit limit was never decreased, it was, in fact, increased, despite his high balance and minimal monthly payments. With his consent, I accessed his account today and found that, even though his balance was over {$8000.00} and he has only been making the minimum monthly payments, his credit limit had not decreased and had, in fact, been increased on a separate American Express card, on which he also carries a high balance and makes minimum monthly payments. As a female who makes more money than my former male counterpart, I am outraged that my credit limit was decreased, despite a lower balance and larger monthly payments. I believe this is a clear example of discrimination against females.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been trying to get information from Navient on paying a small amount while my loan is deferred. They wo n't allow me to make payments on the principal and will only put payments towards the interest, which in the long run does n't do any good. They also wo n't lower the payment to something I can afford. According to them, I can afford $ XXXX / month on my student loans. And this would make it impossible to pay my mortgage, put gas in my car, or feed my child.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I filed a quality of service dispute on XX/XX/XXXX ( Dispute # XXXX ). The investigation was not done properly by the bank and therefore the bank asked that i refile the dispute. I filed it the second time on XX/XX/XXXX ( Dispute # XXXX ). In a letter dated XX/XX/XXXX, the bank said the charges are valid based on the infomation provided by the merchant. I asked the bank to provide me a copy of the information received from the merchant. I was told that the no information was received from the merchant as it is voluntary. Based on the conflicting information provided, i contacted the executive office of the bank through BBB. On XX/XX/XXXX, i was informed by the executive office that they can not file a dispute because of the guidelines provided by XXXX. On XX/XX/XXXX, i contacted XXXX and was told that the dispute can be filed under Reason Code 53.

Chase had repeatedly failed to dispute the charge with the merchant. By doing this, Chase is standing behind fraudulent merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax, XXXX and XXXX XXXX are reporting inaccurate information. My credit score should be in 700 's. A lot of finance companies on my report that I've never dealt with. Please correct this information. I want to buy a house and buy some property.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (FL).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Hello, On  XXXX / XXXX / 17  I initiated the opening  of Citibank che cking account to take part in a promotion that was for {$300.00} to put {$15000.00} into the account as well as have a direct deposit or purchase of {$250.00} on the account within 45 days. I still have their email communication from  XXXX / XXXX / 17  stating, " We will be contacting you wi thin 5-7 busine ss days about the status of you application. '' On  XXXX / XXXX / 17  I was received their first email stating, " Congratulations! You are on your way to beco ming a new Citibank account holder. There are however, a few more step to complete before you can start using your account. '' I had loaded the account with the required {$15000.00} and made a Direct Deposit t hat hit the account on  XXXX / XXXX / 17 . I reached out  the Citibank on num erous occasions to see when the bonus would post. The representative stated I fulfilled all of the requirements and would receive my bonus after my  XXXX  statement cycled by  XXXX / XXXX / 17 . My account notes were remarked within their systems I was due the bonus.  <P/> Unfortunately, I did n't receive th e bonus and contacted Citibank about this issue. They had reviewed and said my Direct Deposit did n't post until the 46th day when it needed to post within 45 days of account opening. Citibank and I do  not agree on account opening day as they state my account was opened on  XXXX / XXXX / 17  but I did n't have access to the account at that time. Their own team will confirm it can take weeks for an online application to be reviewed and opened. I w as also told on two separate occasions by their support staff that I would receive the promotion. I had been holding this account open with {$15000.00} and direct deposit to obtain this bonus and to not be declined for the bonus is inexcusable by Citibank. Please escalate with Citibank

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 06/25/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Dear CFPB : I 'm a resident in XXXX, Washington and a mortgage holder/home owner who has questioned the need for continued PMI insurance with US Bank, my mortgage holder, for the past two+ years when I learned the government is changing the rules regarding PMI. I fully accept the rationale for the insurance when my deceased husband and I refinanced our home in XXXX XXXX. At the time our loan to value ratio did not meet the requirement. We were satisfied with the 3.75 % interest rate and considering my husband was XXXX we were seeking a way to lower the monthly payment to prepare for me being solely responsible for debt should he die since his life insurance would not pay off the mortgage upon his passing. We did get an FHA loan. My specific complaint has arisen because I get constant solicitations in the mail and over the phone to refinance my home which continues to increase in value including solicitations from my mortgage holder US Bank. I owe {$410000.00} on my loan. My monthly payment consists of {$810.00} principal, {$1300.00} interest, {$450.00} tax, {$160.00} insurance and {$380.00} mortgage insurance. The county assessor has recently increased my home 's value from {$560000.00} to {$690000.00}. Obviously, I 'm pleased to see the value of my home increase. With this new information from the county assessor and looking at homes in my neighborhood selling for more than {$700000.00} I 've again asked US Bank for relief of the PMI. Again I was told no. But, I could refinance and move into a conventional loan which would mean more fees paid to US Bank and a likely loss of the 3.75 % interest rate due to my annual income being less than it was. I 'm topld because my loan is an FHA loan and not a conventional loan I can not simply drop the PMI. I 'm also told should I continue to pay on time until XXXX XXXX, which I have never been late with a payment in history of me holding the loan, will the PMI be dropped. My house hold income is less than 50 % of what it was when my husband was living. I 'm seeking relief of the PMI and would be thrilled if there was a way to get a refund on what I 've paid into US Bank since the government changed the rules on PMI. Its difficult for me to understand the rationale of a relief on a conventional loan, but not an FHA loan. That makes no sense if the government is trying to help mortgage holders like me. Can you please help me understand why?

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