milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-11-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Application, originator, mortgage broker

Complaint: For 3 years, I have been renting & living in the home I am currently trying to purchase. I have invested about $ XXXX into the house- I take care of my mother who is an XXXX. I have remodeled the house to be totally handicap accessible. 
I paid a down payment of $ XXXX directly to the seller. I have an additional $ XXXX for the down payment for the mortgage loan. My credit score is XXXX. 
On XXXX/XXXX/16 I went to the wellsfargo to get a mortgage. XXXX XXXX ( mortgage rep ) said I would be approved with no problem but had the seller and I change our purchase agreement to a higher amount of $ XXXX when the selling price was $ XXXX. He told us it was to offset the equity and to avoid PMI and a down payment. Reluctantly the seller and I did what he asked. Then had the seller do a GIFT OF EQUITY of $ XXXX. Both the seller and I were confused but did as asked. I paid for the appraisal and XXXX printed out the loan documents. 
The closing date was XXXX. On XXXX I contacted XXXX because I had n't heard from the appraiser yet. XXXX said he would find out why. He did n't. 
On XXXX I went to the bank because I did n't hear back from XXXX. XXXX said that he could n't do the gift of equity and he had us to change the contract again. XXXX was the last time I heard from XXXX. So I went to the bank over XXXX times talked to numerous managers including XXXX the main guy and no one knew why XXXX was n't contacting me nor did they have an answer why we had to change the price. No one at wells fargo could tell me the standing of the loan. 
My title company tried to contact XXXX with no response. My closing was XXXX. No one at wellsF could tell me what happened with the loan only that XXXX is unavailable. 
Now I have lost my $ XXXX down payment and my investment of $ XXXX and the house will be sold to someone else and I have to move. 
I am now 100 % sure that XXXX committed FRAUD and misrepresented himself with the purchase price/gift equity crap. I talked to a different bank and told them what happened and they told me to report XXXX and wells fargo. I have complete documentation of this whole horrible encounter. I lost my home and $ XXXX because of this guy and wells fargo.

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 04-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: XXXX date opened XX/XX/2006 and the statue of limitation stated how long items remain on credit file. 7 YEARS ONLY I WANT THIS Their date of last activity is inaccurate in credit file. I want this removed immediately from my file according to FCRA. 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 explanation
Consumer complaint received 08/14/2016 about Student loan (Non-federal student loan) with Cognition Lending Corporation (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I use XXXX XXXX XXXX to pay for college. They charge a fee to break the amount into XXXX payments. I have made XXXX payments for the Fall semester and have been charged a late fee. I do not believe I have been late. Last year they tried to charge me late fees because I did not send in the same amount every month. I think the late fee is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (OR).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I made a payment on their website for my first auto payment on XX/XX/2017 for XXXX. The Toyota Financial Services website was specifically designed to not allow a principal payment in the payment area. The regularly scheduled payment was for {$260.00} and I had paid an extra {$200.00} toward the auto loan amount so as to reduce the amount of the payment term. The representative did state she would reclassify the amount of this first payment to both regular payment and principal for this instance. However the issue came up when I asked if I could make both a regular payment and principal payment on the same payment submission area of the website. The representative stated that in order to receive credit for the payment in the future that I would have to submit only regular payment amounts on the website. She further stated that to receive a principal payment I would need to write a separate check and send it regular US Mail to the address shown. I expressed my dismay at the answer to my question, but she stated that is only I way I could do this. I feel that this is unfair trade practices and that this finance company to allow for both payment types ( regular and extra Principal ) on their website to occur. I think it is egregious that we ca n't have a one stop payment website. I have a long term 84 month on my auto and I wish to reduce it by any means possible. It not good customer service to Not allow for extra payments to be made online at this company. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: URGENT - Mistake made on CFPB Complaint # XXXX, regarding NAME - - Please DISREGARD this part of the complaint for both XXXX and Equifax. 

The rest of the complaint regarding " ACCOUNT CLOSED BY CUSTOMER '' remains a concern and may go forward.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My dispute is over the fact that my husband and I owe to the same creditors. Payment history is the same. His FICO score is XXXX points more than mine. 
Trans Union - reporting that I owe XXXX mortgages on our house XXXX - Reporting my house is a business. 
XXXX - His FICO score is XXXX points more than 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 explanation
Consumer complaint received 08-04-2017 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: Account status incorrect

Complaint: I never signed anything with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (AL).
Issue: Making/receiving payments, sending money

Complaint: My account was suspended due to fraud and was debited {$500.00} due to an error for a chargeback that was already paid back and I submitted attorney paperwork to the bank that sent the chargebacks to my account I have had for over 5 years but it was not reviewed and my account was closed with no review or explanation.

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

Complaint: On XXXX XXXX, 2017, Equifax experienced a massive data breach, which put over 143 million million people at risk for identity theft. 

According to Equifax 's records, I am one of those people. Hackers have my social security number, birthdate, address, etc., which they can use to destroy my credit and everything I have worked for. I 've known people who have had their identities stolen, and it 's taken them years to get their lives back. 

This should not have happened -- not to a company that 's in charge of incredibly sensitive information. 

Also, Equifax is offering me ID protection in exchange for an arbitration clause, which I believe is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Payday loan debt) with Main Street Personal Finance (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I had applied for a home loan and found out there was a default judgement issued against me back in 2010 from XXXX XXXX XXXX.When I called the court I was told where they posted my court notice and I did not even live at that address which I can prove. The company is now out of business so I can not take court action against them for this.

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 02-09-2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Debt possibly resulted from identity theft as HRRG claims they are the servicing agent for a physicians group called XXXX XXXX XXXX that supposedly provides ER doctors for XXXX XXXX Hospital, which in reality they do not. Another physician group provides those services and another collection agency services that group, not HRRG. I made a mistake by giving this HRRG the last XXXX digits of my Social Security Number, as I had thought initially that this was a legitimate collection agency and/or company. They are trying to collect {$1100.00} on a date that services were provided by XXXX XXXX Hospital ER and they claim they are acting as the physicians clearing house for filing medical claims as well as a collection company for their clients. HRRG claims they filed insurance claims with both XXXX and XXXX XXXX insurance, insurance I do n't even own, and the claims were both denied and now they are attempting to collect a debt, that I do not owe. I have contacted every medical company and group involved in this claim and none of them do business with HRRG and none of them use HRRG for collection. XXXX XXXX Hospital billing department has never heard of them or used them. This is a bogus fraudulent claim and a scam and these people need to be shut down and go to jail.

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 09/30/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I was experiencing hardship and requested my mortgage company, Seterus to assist me in reducing my payment. I was always on time and current with my payments prior to my request for assistance. Originally, I was told that I did n't qualify unless I was late with my payments. I was told that I must be late or delinquent with my payments before they would consider my case for approval. I submitted a letter which detailed my hardship. I expressed that I am responsible for my debt and I want to pay my payments on time ; however, I foresee it becoming very difficult to maintain all accounts as I was operating with a negative balance. My payments were lowered for a temporary period until the loan modification was complete. My original payment was apprx. {$1600.00} and my payments were lowered to apprx {$1200.00}. I paid these payments directed by Seterus, on time during this period ( 10-12 months ) before the modification became final. I recently ran my credit score and my XXXX shows that I have been late 6 months, which is incorrect. Seterus report my account late XXXX. I was never late. I made the temp mod payments on time and continue to pay my mortgage on time. I have paid my mortgage on time since I bought the property in XXXX. I filed a complaint through the credit bureau challenging the information they have posted on my account. My account lists as a FHA and conventional loan. Unsure if it is reported correct.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit card () with CITIBANK, N.A. (CT).
Issue: Billing disputes

Complaint: I purchased a XXXX ( not diesel ) in XXXX. It was considered a demo, driven by the XXXX dealer manager for a year. On XXXX, I brought the car in because the engine light was on and I was due for an emission test. ( I regularly had all service done on the car..but not necessarily with XXXX, had issues with them ) I had had an issue with the engine light being on sporadically for as long as I owned the car, it was repaired but then would come back on.The day I brought the car in the XXXX service center said there were 4 issues with it. I picked two to be repaired which would include the engine light issue and the other one XXXX thought was more important, with the other 2 to be repaired at a later date. I had just spent over {$2200.00} in repairs 2-3 months previously. Five minutes after I pulled out of the dealership the engine light went back on. I was on my way out of town so I could not return. I am disputing the XXXX charge. I have reached out to the State of CT Attorney General 's office, obviously I am not important enough ... they only do " mediation '' ... I have spent hours putting together all my paperwork..and ST of Ct only sends me XXXX copy of their reply ..twice. I did dispute the charge with my credit card company ( CitiCard ), which they originally credited me..but the charge was put back on my card. I am willing to sacrifice my credit on principal. The employees at the XXXX CT XXXX dealership lied. I am attaching backup for your review. Your help is very much appreciate.

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 04/17/2017 about Debt collection (I do not know) with ERC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving calls from the ERC debt collection agency for a person named XXXX XXXX. There is no person by the name that lives here- no one by that name on any of the bills or mortgage associated with my address- or by that name in my family. I have told the debt collector that and have been told they would mark my phone number as invalid. They lied because they have continued to harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX/XXXX/XXXX I had a Chapter XXXX Bankruptcy discharged. <P/>XXXX XXXX was included in this bankruptcy discharge, and should NOT be reporting ANY negative information on my credit reports. <P/><P/>Experian : XXXX XXXX listed as a " Negative '' in XXXX XXXX On XXXX/XXXX/XXXX I contacted Experian. The agency acted clueless as to why XXXX XXXX is showing negative on the credit reports. On XXXX/XXXX/XXXX I contacted XXXX XXXX whom said they would open up an investigation regarding the negative reports. <P/>I have also been told by my banker that XXXX XXXX is reporting a late payment from five years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Debt collection (I do not know) with Sarma (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do n't even know who this bill collector is, but they 're calling from XXXX. They are asking for my stepmother who I have n't lived with since 1992, and whose finances I have NOTHING to do with. When I tell them she does n't live at this number and has never lived at this number, they claim she gave them my number, but I know that 's not true. I do n't even speak to her much anymore! Why would she be putting down my phone number? Even if she 's putting my phone number down, I have nothing to do with her debt. 

There is no debt I owe them. They have no right to be calling and harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Bank account or service (Checking account) with TCF NATIONAL BANK (IL).
Issue: Problems caused by my funds being low

Complaint: TCF Bank had a check come in that overdrew my account, I spoke to TCF and I deposited cash funds the same day so that the check would be paid. Instead of paying the check TCF returned it and charged an overdraft fee of {$37.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/23/2016 about Consumer Loan (Installment loan) with CHECK INTO CASH INC. (MI).
Issue: Taking out the loan or lease

Complaint: I went to XXXX store # XXXX at XXXX XXXX Mi XXXX My loan was due back wed XX/XX/2016 I went in and requested a payment plan and was told if I enter into XXXX or more payment plans they would close my account and that I need to look into getting a home loan through a bank I then told her I rent an apartment why would I do that she said these are short term loans and that by me entering into a payment plan shows them that I am unable to pay back my loans so I feel as though I am being bullied into not going into a payment plan because they will no longer do business with me this is bad business I make XXXX per month I can pay back my loans my daughters father passed away and I needed some extra cash to help XXXX him and I feel as though I should not be punished for entering into a payment plan

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I have worked for the same employer and have recently become XXXX and I am collecting Social Security XXXX. I have been denied loan modification on 5 occasions since XXXX 2015. The 1st because I was current with my payments and was told I needed to be 3 months behind to qualify. 2nd, after falling behind 3 months denied due to NOT being current. The 3rd denial was due to " not making trial payments on a internal modification offer. '' The modification offer was on the last XXXX pages of a booklet which instructed me to fill out firms which were already received by the mortgage company. There was no reference to any modification being included in the packet. I did not thoroughly read through the entire packet and resent the forms that I previously sent, which were the same forms the packet requested. After sending the firms, again, I followed up, and to my surprise, was told about the " modification offer ''. I went through the packet and found it on the last XXXX pages. The offer was the same interest rate and the mortgage being extended to 40 years. Although I was in financial difficulty, the offer would have saved a minimal amount of money and I felt it would only hurt my situation in the long run, knowing my XXXX. I called to discuss with my assigned rep. ( Whose name I have ), and was told I did have to accept the modification offer and by not accepting, it would allow my loan to be reviewed again for other, more helpful, modification offers. Within a week, I received a notice that I was denied for " not making the trial modification payments. '' After the 3rd denial, each time I was asked for the same documents multiple times. Each time I sent documents, through email, fax, and USPS. I have proof that all documents were received, including a documents from my account page on the mortgage company website, that states all forms required were received and the modification was being reviewed. 
I knew I was being pushed aside by the mortgage company, that for some reason was working very hard to not help me with the modification but I thought at some point they would have to make me a offer if I hung in there and kept giving them what they were asking for. After the 5th denial in 1 year and do n't know where to turn. I have a wife and XXXX children and have drained my savings and feel my hands are tied. I have always worked and provided for my family. I feel the modification were being encouraged for people in my situation, if not who would they possibly be for. 
I would greatly appreciate any help you can offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Fraud or scam

Complaint: I was contacted by a gentleman named officer XXXX who identified himself as an agent with CFPB He gave me this number XXXX and used your XXXX XXXX address. He informed me that there was a check for me in the amount of {$970000.00} from Bank of America and I was to call the following company to claim my winnings XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, Fla XXXX at this number XXXX I spoke with a man named XXXX XXXX there and he gave me a number for Bank of America to call They were some kind of insurance bond company He gave me their number and instructed me to a certain prompt He informed me not to listen to the entire recording since it was very long and in several languages. I was to call BOA at XXXX and press 3 From there I was to entire the account number XXXX with a pin of XXXX When I did that the recording said there was {$970000.00} in " my '' account. I hung up and called back and tried a different prompt and boith times was cut off I did not use the press 3 again. I then turned around and called Agent XXXX back at the number above and was informed he was not there and would call me back I gave him my name but no number Of course there was no phone call However when I called their recording and information is identical to your offices which I called after trying to reach XXXX XXXX. I did speak with a very nice woman who did inform me that this was obviously a scam and send me the link to report it I am also following up with the FTC

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 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: i have submitted all the proper documentation for a block on my credit report, in accordance with section6058 of the fair reporting act.

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