milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/14/2016 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Selene Financial has submitted a false credit report regarding my account, and still refuses to send me any statement of my account. 
On XXXX XXXX, XXXX, XXXX sold my mortgage to Selene Finance. In the subsequent XXXX months, I have paid the mortgage by phone on the XXXX of each month. On XXXX XXXX, XXXX, Selene refused to take my payment until I signed their mortgage agreement. When the sale of my house became delayed for 60 days, I signed the loan papers and immediately paid the new mortgage amount. 
Each time I have called in my payment, I have asked for a statement of my account. I still have not received any statement of any type. Fortunately, I have been sent receipts for my payments. 
Last month, Selene submitted an entry to my credit report that I have made XXXX late payments on the account. This report is not only false, but the number of XXXX late payments seems somewhat arbitrary. This will be my second complaint with Selene since they took over my loan XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Application, originator, mortgage broker

Complaint: ( 1 ) We are seniors who have XXXX and health issues and in XXXX of 2014 I asked our lender if they had any suggestions/help for us with our mortgage. I specifically said I was not interested in a short sale, nor were we in jeopardy of foreclosure as we have never missed a payment and did not intend to. 
( 2 ) I was sent an application but said on the application I was only hoping to look at options - perhaps a different percentage rate, or possibly just a fixed rate. I tried calling numerous times trying to tell people that I just wanted to talk to someone about my options but no one would return my phone calls. 
( 3 ) In XXXX we got a decline on assistance with our loan and that we were not eligible for FORECLOSURE alternatives. - " Due to the reason I was not evaluated on other criteria ''. I had no idea what this meant and tried to call but my phone calls were never answered. Shortly from the decline we got a letter sending us information on selling our house on a SHORT SALE! I continued to call people and ask them about this correspondence and what it meant but could n't connect with anyone. 
( 4 ) In XXXX I got a fee charge on my mortgage statement of XXXX. I called again and talked to someone who said that it was a mistake and would be removed. 
( 5 ) The next month this fee went up to XXXX and I called again. I finally wrote a letter how unhappy I was with their service and wanted the fee removed from my statement. 
( 6 ) In response to my letter a person called and I asked her to remove the fee from the statement. She said she would have to check into it and see what it was for. Many months later she called and said that the fee was for an appraisal. I replied that I did not ask or give permission for an appraisal nor was I sent a copy of the appraisal which by new laws they must send to me promptly. 
( 7 ) A month later I was sent what they called an appraisal. ( It has now been at least six months later ) It was not an appraisal - it was an exterior BPO and done by a realtor and not a certified appraiser. I have a real estate license and I know that according to FIRREA rules that we can not do appraisals for mortgage loans as this is illegal. It also states that if lenders wish to ensure payment for appraisals they must request payment before. ( Strangely I was studying the new laws of the CFPB for my continuing education in real estate in XXXX. ) ( XXXX ) As I have found out that getting help with mortgages from the government is a big farce I feel I should not have to pay for an appraisal which I was told was a mistake, and which it says right on it that it is NOT an appraisal, and I certainly did not receive it promptly. Asking for help with my mortgage not only has caused a lot more stress for us, but now I have more money to pay and a lower FICO score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/14/2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (IN).
Issue: Managing the loan or lease

Complaint: I took out a personal loan during a difficult time from Big Picture Loans after receiving a document in the mail being approved for {$670.00} plus a {$160.00} finance charge. I paid on this as I was scheduled and I recently received a notice that my rate is going up next pay period when it should be paid off at this point. I feel trapped in a perpetual payment I can not escape with mounting debt. Is there anyway to settle this without driving me to bankruptcy? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX is a collection that was paid on my credit report. On my experian credit report it states it was open on XXXX. On my XXXX report it states the companys name as XXXX XXXX XXXX. And it states it was open on XXXX. The amount reported by both is {$700.00}. I payed this collection on XXXX. I was told it would be removed after 60 days as Ibwas told from the collection agency. It 's still not removed. I have disputed and yet it still remains on both credit reports. I finally got them to remove it from my transition. This item was paid and states that it 's paid. It has been over the 60 days. Also the reporting dates are both different and they are XXXX different collection companies reporting in my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2018 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I have 2 credit card with bank of america and it was opened in XX/XX/XXXX. In XX/XX/XXXX, I got delinquent and default and result for debt cancellation in XX/XX/XXXX. I got XXXX from Bank of America. As of now, I attempted to do refinance my house to fix my mortgage. However, I checked my credit and Bank of America still reported that I owed {$32000.00} for both credit card. I attempted Bank of America to get clearance and they come back and asked me to pay off the debt. Even though they said they had issued XXXX but they still have the right to ask me to pay off. They know that I need to clear that has been charged off and cancelled debt was issued in XX/XX/XXXX. They still asked me to pay in full balance.

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
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: There is a collection account on my credit file for {$380.00} from a XXXX XXXX XXXX. I have disputed this item several times because I have no knowledge of this account. I requested validation of this debt and never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit card () with DISCOVER BANK (TX).
Issue: Other

Complaint: This is about my Credit Card issued by Discover Finance Services ( DFS ). By chance, I logged on to my account online and found a message that a company 's data breach had compromised my card. Although DFS contacts me by email or phone text for other concerns, I had not received any other notice of this problem which included cancelling my present card. There are two problems. 
First, they REFUSE to tell me what company 's data was breached causing this problem. They claim they can not reveal this information due to an ongoing investigation. 
Second, they list a company, " Order Channel, '' as an automatic charge on my card. I do not recognize this company and they can not identify the company either. They claim that I must have used this company at some time. An internet search does not locate a company with this name and it may be a fake company that has infiltrated DFS. 
The representative I chatted with about this today was not concerned about this unknown company. 
There has been a data breach and DFS is hiding it. 
They refuse to identify a company that they are possibly sending money.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SD).
Issue: Account opening, closing, or management

Complaint: XX/XX/XXXX, I was the victim of an elaborate scam - wherein I was hired by a company named XXXX XXXX to complete work by cashing a casheir 's check at my bank Wells Faro, and redirecting this cash by sending a XXXX to another XXXX provider. I had no idea this was a scam, as it was a very valid looking cashiers check that would be cashed, so valid that the bank cashed XXXX of these checks. Only to later find out that this was an invalid account, a bogus cashiers check and a fraud. However, Wells Fargo held me responsible, rather than their employees for cashing and my account was debited in those amounts {$1100.00} and {$2300.00} - Which, I must add had been reported as fraud to several agencies. 
Fast forward to XX/XX/XXXX I am a struggling graduate student trying to pay for coursework, and my sister sent me a check for {$1000.00} to help. I went to Wells Fargo on Saturday XX/XX/XXXX, to cash the check upon which it was drawn, ( I might add my sister has been with Well Fargo since XX/XX/XXXX ). 
When I went in, I was approached by their personal bankers to avoid a fee to cash this check, would n't I like to open a personal checking account to avoid the fee 's I briefly explained that I do n't think i would be able to since the last problem, ans was assured that things have changed and we could try. So, I acquiesced and lo and behold I was approved to open the account, which we did and was given an instant debit card, which I used that evening. The personal banker was to be in touch on Monday, and she did never mentioning this old account. I went to use my card on XX/XX/XXXX and it would n't work. So, I went into the bank first thing XX/XX/XXXX and received another instant debit card, it still would n't work, upon return to the bank this time, I was informed they would n't be able to issue another debit card, and in fact would be freezing those assets for this old account as past due monies. Which, I never accepted or reaffirmed this debt in any way - in fact maintaining both I and Wells Fargo Bank had been victims of fraud. 
Now, Wells Faro has directed me that if I call to make a payment plan with the loss prevention team, they will THEN decide after making this payment arrangement whether to refund all, part or none of the deposited amount remaining which is {$780.00} - I feel like this is a form of extortion, and furthermore - I feel that it was very deceptive. Please also note : My sister who is on limited income due to XXXX, out of the goodness of her XXXX was loaning these monies to assist me to complete my XXXX, and really does not have this kind of money to pay an old bill of mine, nor to just chalk up to a loss. 
If there is any way in which your agency could assist me to at least get these monies back to her - it would be greatly appreciated.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information and did n't notify me of the illegal release of my personal information, I found out via social media. I had to go to their poorly made response site to verify that I was indeed a victim, and the whole ordeal has cost me several hours, soaking my time and money to deal with securing my credit profile. Additionally, their egregious negligence will continue to cost me time and money in the long term, as my most sensitive personal information has been illegally released and will likely take the rest of my life to monitor for fraudulent activity. 

This is an undue burden from a company I have never chosen to do business with ; they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have submitted more than 3 official requests to have information corrected, deleted or marked dispute along with documentation supporting my claims to all XXXX of the major credit reporting agencies. All but one, Experian has dealt with the issues in question. They have refused to update or delete the disputed items. 
I have been trying to dispute these items for over a year now and this is a clear violation of the fair credit reporting act. The information is not accurate and documentation has been provided to support my claims.

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 01/16/2018 about Debt collection (Other debt) with The CBE Group, Inc. (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: There is a collection account filed with CBE group that was assigned by XXXX XXXX after the account was billed for an increased amount without notification or authorization. I talked to a XXXX XXXX representative in XXXX of XX/XX/XXXXregarding this and she did not acknowledge a payment that they sent me a receipt on, told me they did not have to notify me of a fee increase, refused to allow me to talk to a supervisor and refused to accept a partial month payment for a two week period covering the last week in XX/XX/XXXX and first week of XX/XX/XXXX The receipt i have from XX/XX/XXXX was almost $ 50 month higher than XX/XX/XXXX and there was no notification of the increase. It should be noted that I had called XXXX XXXX in XXXX of XX/XX/XXXXto cancel my account because of a similar rate increase and they reduced my monthly rate telling me that they would provide me notification if any rate increase was anticipated. It is important to note that I did not have a contract with XXXX XXXX with any time limitation and was on a month to month service verbal agreement with them. The address for CBE group is shown to be : XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (LA).
Issue: Managing the loan or lease

Complaint: I was exploring cheaper auto loans. I found that I qualified for a 4.5 % auto loan through XXXX XXXX. So I refinanced my car loan which I had with Chase Bank for 7.58 %. XXXX XXXX paid off my account with Chase Bank on XXXX/XXXX/XXXX. Chase Bank then closed my account on XXXX/XXXX/XXXX. I had previously set up an online payment to Chase Bank for {$330.00} from my local bank ( XXXX Bank ). The payment was sent electronically. When I checked the auto loan account at Chase, I found it was closed. So I went to the local Chase bank inquiring why my online payment had not been sent back to XXXX Bank. The officer told me that it would take XXXX10 business days for the money to be sent back to XXXX. XXXX to 10 business days later ( XXXX XXXX ) I called and was told that the payment would be mailed back to me instead of being returned electronically. This would take another XXXX7 business days before I would receive it in the mail. The representative told me that the checks had been mailed out on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX, I called Chase back and was told that my online payment should have been returned to my Lakeside account. As of today, Chase does not know where this payment is. I have been in constant contact with my local bank, Lakeside, and they have not seen the return of this online payment. The representative from Chase also told me that the inquiry of this online payment would be completed by XXXX XXXX. I asked him what did he mean by that. He said that the investigation into my missing money would be completed by XXXX XXXX. I asked him how was I supposed to make my XXXX XXXX car note to XXXX XXXX without the {$330.00}. I live off of social security and do not have resources to cover this note.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/25/2016 about Bank account or service (Checking account) with CHARLES SCHWAB CORPORATION, THE (CA).
Issue: Account opening, closing, or management

Complaint: Charles Schwab Bank unilaterally determined to close my account. When it did so, it also removed my ability to access my account and account statements through its website. I recently received a check from Schwab for an amount it represents constitutes the balance in my closed account. It misrepresented in the letter that accompanied the check that I asked it to close my account ( it made the determination unilaterally and contrary to my desire ). It provided to me no statement or accounting of the closed account or any other explanation of how it arrived at the amount of the enclosed check. When I called to complain that I have no means of verifying the amount of the check was the actual amount remaining in my closed account, it still refused to provide me with any online access to my account records or statements and has not given me anything as a means of accounting for the amount it sent to me. It just expects me to take its word for the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They called my son and told him that they are creditors and they need to up date my info

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Problems caused by my funds being low

Complaint: I was unaware for two days that my bank of America business checking was XXXX dollars in the negative. I rely on my phone for bank alerts, but was having technical difficulties with email updating. In the course of 2 days, XXXX XXXX and XXXX I had XXXX - {$35.00} fees from BOA that equated to {$310.00}. Mind you that my account was only {$110.00} negative. I promptly went to see a representative at XXXX sharp. Was extremely professional and said to him " I have a bunch of overdraft fees in just two days, and I 'm sure you 'll be able to waive them for me since I am a long time customer. '' Well ... I could n't have been more wrong, very, snootily and with much disdain he and confirmed by his manager, clearly stated that these were my errors and not the banks and under no circumstances will they waive the fees. I continued to be courteous and professional and pleaded with him to re-consider. He refused. I then said " Well if that 's what BOA considers Great! customer service, I no longer want to bank here, and lets please start the proceedings to close my business checking and savings account. I then in a last ditch effort, asked him squarely, " You would rather take my money in fees ( {$310.00} ) and lose my business, than help me on this matter, to continue having a loyal bank customer. His reply was " Its out of my hands the people upstairs call the shots, and I 'm sorry there is nothing I can do. " Then to make matters worse, I had deposited the amount I was over drawn, but did not have the money to pay the late fees remaining, {$280.00}. The manager then with no emotion whatsoever forewarned me that if the remaining fees were not paid XXXX things are going to happen that BOA will implement to take action against me. 1. In two days the balance will go to collection, 2. we send an alert out to all banks in our system, and you will NOT be able to open an account ANYWHERE!!! 
I own a small business, I need a business account, I had to borrow the {$280.00} to be able to open an account somewhere else. So in less than 20 minutes I went from a faithful BOA customer to we could care less about you and your problems. I left there feeling so helpless, and absolutely bullied by this way too big bank, BOA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-04-2017 about Debt collection (Auto debt) with ALLY FINANCIAL INC. (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive multiple phone calls from XXXX till XXXX sometimes everyday if I dont pick up. 
I have a DO NOT Call at work on my account and they have called me at work.

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 02/13/2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A medical procedure was undergone without my knowledge of the procedure 's price. It was called for by my physician, and I was not made aware of the cost for the procedure. I was not made aware that my insurance would not cover anything until the procedure was over. Due to my lack of consent, my legal obligations to pay this amount is questionable. Still, I am actively working towards paying this debt with XXXX. While I was working to pay it off, it fell into collection within 6 months. The resulting impact on my credit score alerted me of this. It seems improper to send this debt to collection when I am actively working with XXXX to pay off the debt.

Company response to consumer: Closed with explanation