milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Struggling to pay mortgage

Complaint: I am XXXX XXXX woman who became very ill with a long term illness and had lost my husband. I had a XXXX XXXX. I have applied several times for a modification. The lender after many attempts finally acknowledged that I submitted a full package.. How ever the lender did not tell me about my denial until approximately two weeks later by their attorney. Please note that my initial mortgage was a pick a payment mortgage.

The lender says that they will not give me an modification because their desktop appraisal is too high. Prior to this they told me I was not getting a modification because I defaulted on a previous one. Ironically, they did not ask for an interior appraisal which would have resulted in a much less valuation.. I believe that no matter what I say or provide them they will not modify my loan. All I keep hearing is sell or refinance somewhere else. 
I believe that these actions are discriminatory because of my medical condition and race. I have seen others get streamline modifications without even applying for a modification.

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 10-01-2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been the victim of on going ID Theft. The suspect has been charged and arrested. I have sent Equifax proof of this numerous times and they refuse to do anything other than tell me the fraud accts have been verified as mine!!! Police report after police report has been sent in. Every time I call and try to speak to someone I end up getting someone who does not speak XXXX very well and I keep getting the run around. I please ask once more that Equifax take this matter seriously and block the fraud accounts listed!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Billing disputes

Complaint: I had a JC Penney payment due on XX/XX/2017, the payment has to be made by XXXX on the due date. I had made the payment on their website through my checking account like I always do. I have a confirmation email that the payment was made XXXX. I received a {$25.00} late fee!! The payment was made in plenty of time to AVOID that. They can not put a late fee on because of a payment made on the due date in plenty of time. They should not be allowed to harass all of their customers with this type of late fee.

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 01-12-2018 about Debt collection (Mortgage debt) with Rent Recovery Solutions (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I opened a complaint against Rent Recovery Solutions and stated " XXXX XXXX opened the account on XX/XX/XXXX ( 4 yrs, 11 mos ago ) following my acceptance onto XXXX  XXXX I was told I no longer was liable for the amount through their management agency. Please remove this immediately. '' The company ( Rent Recovery Solutions ) responded the next day ( XX/XX/XXXX ) and stated " We are holding this account for no reporting pending a re-investigation into the complainant 's claim that she was told that she would no longer have liability. Unless and until we can complete that re-investigation with the community, we will neither collect on nor report this account to any credit bureaus. '' As you can see from the attached image the company has continued to negatively report this on my credit report multiple times after they stated they would no-longer do so. 

Before moving from " XXXX XXXX '' I was taken into the emergency room twice by XXXX and I checked myself into the XXXX XXXX XXXX XXXX where I was kept over night and treated for XXXX XXXX, XXXX, and XXXX upon given medications for my XXXX XXXX. Being that I had no family in XXXX XXXX I had no other choice than to move back to my home town 3 hours south in XXXX, Texas so that I could get the support and help of my family and medical professionals. After moving back with my grandmother, countless doctors, XXXX, XXXX, and professionals I was determined XXXX dating back to XX/XX/XXXX. 

I have medical documentation that I showed, and gave to the ORIGINAL company " XXXX XXXX '' front office staff at the time I had to leave my lease for medical reasons. They confirmed and spoke with their manager at the time, who agreed that due to the circumstances I would not be liable for this then, now, or in the future. 

This needs to be removed from my credit immediately so I can move forward with my life. This should have been removed completely on XX/XX/XXXX when the company stated they would do so, however I 've been waiting for this to get removed for several years. If you need any further documentation, I 'd be happy to provide it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit card () with TD BANK US HOLDING COMPANY (TX).
Issue: Billing disputes

Complaint: Target Red credit card charged me return fee ( {$27.00} ) for payment return as the checking a/c was closed. I contacted them and explained that it was not the case that I do not have funds but the a/c was closed. They said that they will not reverse. From the website, I found following- '' RETURNED PAYMENT FEE -- You will pay {$27.00} each time any check or other payment order ( including an electronic payment ) is not honored by a depository institution. In any event, the Returned Payment Fee will not be greater than the Minimum Payment Due that was due immediately prior to the date on which the payment was returned to us. '' It was a return not related to funds but a/c closure so these charges should have not been levied but a chance or atleast notification should have been sent to customer. Since I check my XXXX account every day so I notice that payment has been rejected by bank so I made the manual payment on my own without notification by target XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recognized a few hard inquiries on my credit report I have no idea on how they got on there. I did not give permission to search my credit report because I have a vehicle I am already financing and I did not need any other banks looking at my account. The hard inquiries are messing up my credit score and I am trying to buy a house for my family. So if you can find it in your hearts to remove the inquiries that would really be helpful Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (Medical) with CBM Services, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have 7 times written letters to this company that my health insurance paid this bill. This home health care was awful while treating us, and even worse with billing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Consumer Loan (Installment loan) with PLS GROUP, INC (IL).
Issue: Problems when you are unable to pay

Complaint: Had issue repaying PLS {$2500.00} due to having income reduction during a torn meniscus and being off work. They took payment of XXXX from account then, I told them cant make any more payments for a while till back to work. They forward account to collections after missed the next payment. I tried to repay loan in smaller increments I made 2 payments of {$200.00} and then had issues with a rental car company, taking more than allowed, my bank gave me a provisional credit, during that time it caused a missed payment NSF with the loan company PLS. Then when I got back to work there was a wage assignment sent to my employer, unknowingly to me. They said it was sent but to my old address, so I never saw the assignment notice. So, a trusted friend said I should revoke the wage assignment and continue making payments, the supervisor there in XXXX XXXX XXXX XXXX, a XXXX XXXX, said they stopped the wage assignment, but I needed to pay {$500.00} in 2 days, which I could n't do. Then after getting the run around on what was happening for several days, she informed my husband they had sent my account express to wage garnishment, the day I revoked the wage assignment, and that we did n't have the right to and could n't make payments on it anymore. This sounded really weird to me not to be able to make a payment on a account and just let it be garnished. I am not refusing payments toward the debt just looking for something reasonable. To try and make payments of {$500.00} monthly towards a debt that started at {$2500.00} and now is at {$2800.00} and we have paid {$900.00} towards it, WE COULD NOT afford that!! It would cause extreme hardship to our already tough situation.

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 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: XXXX is reporting erroneous information on our credit report from XXXX XXXX after an investigation. It is reporting a late payment in XXXX 2017 and that in incorrect.

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 05-03-2016 about Debt collection (Medical) with Sentry Credit, Inc. (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Attempted to contact Me at my brothers job stating they are collecting a debt for child support and after further investigation by myself and phone calls I had found out that was untrue sentery credit and XXXX XXXX XXXX constantly harrass my mother and brother also when I contact them they are extreamly rude and refuse to send me copys of what ever debt they say I owe I have been trying to dispute this with XXXX.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XX/XX/XXXX, Equifax released information that millions of their customers became victims of identity theft. Following their website 's instructions I checked to see if my information is part of this issue and my identity has been compromised. I have submitted my request to freeze my credit with the proper agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Mortgage (Other mortgage) with Dovenmuehle Mortgage, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX Dovenmuehle Mortgage Inc Issues. 
I was informed XX/XX/XXXX that my mortgage servicing has been moved to the above company and started making payments to them. 
On the statement I noted that county taxes were fully paid which put our escrow into negative. I made a phone call and spoke to someone and tried to explain that the previous company was paying the county tax in 2 installments, which made sure the escrow balance does not go into negative. This person made out that they have always done it that way. 
I received an escrow account projection which showed a shortage of {$1400.00} and change. 
Escrow shortage for the year has never gone above {$200.00} since XX/XX/XXXX. 
We also go through a review of escrow yearly XX/XX/XXXX ; the payment was raised from {$1400.00} to {$1400.00}, which is a reasonable increase. All of a sudden we get an increase of {$120.00} a month. This increase is too high and I am unable to afford it as I have other financial responsibilities and obligations. 
I made a phone call to the company on XX/XX/XXXX, I was on hold for 45 minutes, this is just unacceptable, and I spoke to XXXX with ID number XXXX and XXXX with ID number XXXX. 
I made XXXX aware I can not afford my increased payment ; she asked that I fax a request to the research department. 
I am writing to let you know I can only afford up to {$1500.00} and no more. 
Based on my calculation if the insurance were to increase to {$1000.00} next year and the county tax went up to {$3200.00}, I would not have to make a payment of {$120.00} a year on top of the escrow payment of {$320.00}. This will only be an additional {$43.00}, not {$120.00}. I also suggest the county taxes be paid on a semiannual basis since the county allows that, that way the balance will not go into the negative. 
Thanks for your consideration. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have askd for debt validation and all they keep sending is a final bill that I have no knowledge of ... I have not received a signature contract

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

Complaint: Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Based on their instructions I was able to confirm that my information, to include personal identifiable information, was included in the breach. My identity is no longer reasonably considered to be " secure ''. Equifax was unable to safeguard the information. 
I understand that Equifax is a victim here as well, however, my entire identity is open to theft.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Be advised that this is the third time I have filed this report and at present received no answer also so you have a problem with your system just last week i talked with XXXX your reps she was going to file for me and I was to send additional items thru the mail which i did heard nothing so i called could not get to my account, after talking with her we quitand i proceeded to try again final got thru to my account and what was there was XX/XX/XXXXnothing new including what was sent thru the mail and to top that off i was told that you allwould send me tracking numbers that never happened so again I will explain what i sent, all XXXX Credit bureaus are reporting what was filed under BK instead of reporting BKwhich we were under the impression that BK was to be the only thing reported instead they are reporting what occurred before BK I have talked with them sent letters to no availthey dont give a XXXX about customers, Having been a Federal Officers and and XXXX Speclist for over 37 years Im beginning to think that CFPB is a joke so what doyou think Im sending this this date of XXXX hoping that somweone in your offices see the light and do some processing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (GA).
Issue: Trouble during payment process

Complaint: My Loan Care - new servicer of mortgage.
Does not respond to emails, all phone lines have been disconnected or are always busy. Unable to log-in into my account online ( which previously worked ) in order to ensure my payments are being properly processed.

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 04/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had identity theft. It was over XXXX worth on XXXX cards. From the target data breech. I am in my seventys and always had a perfect credit score. Over XXXX. Well. The creditor which was XXXX XXXX and XXXX XXXX both agreed it was fraud. Along with all three credit beuras. ( Agreed it was fraud ). Well they dropped them off my credit report. So now my credit report shows perfect credit. Not my score. It is XXXX. I 'm trying to purchase a home. I ca n't with this score. The fraud was 100 % not my fault. So they need to change my score back to at least high XXXX. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative student loans accounts on my credit report. Due to poor lack of investigation and communication I 'm requesting that all of the accounts be removed. All of the loans in question were recently paid off and some were consolidated, but the negative accounts that have been reported are hurting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have defaulted on my mortgage and have tried to do short sale on the property. The bank got an appraisal on the home which appraised at {$220000.00}. An offer from a cash buyer was enetered in the amount of {$220000.00} and the bank refused it. Another offer was enetred at {$250000.00} and it was just denied on XXXX/XXXX/2017. The bank said that they will be closing my case and that they can no longer accept anymore offers and my house will be up for auction as XXXX/XXXX/2017. I am just unsure why the bank would deny an offer that is above the market value of {$30000.00} and not process the short sale. The bank is PNC and they said no other offers will be looked at. there was no explanation for the denial of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: XXXX/XXXX/XXXX, I have been in a legal case with Transunion and the Department of Education since XXXX. Due to me being a XXXX XXXX XXXX Veteran in which the Department of Education was notified in XXXX XXXX XXXX of my XXXX XXXX XXXX. The Department of Education then proceeded to place a collection debt with Transunion XXXX/XXXX/XXXX. I have showed proof to Transunion of the notification. I hired an attorney and once aware of an attorney Transunion quickly moved to remove any XXXX outstanding loans before court date. However they refuse to remove the U.S Dept. of Education, even though I have give both proof of my XXXX which was dated before the collection date. The U.S. Dept. of Education has XXXX out the Debt however refuse 's to remove the collection status.

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 07-10-2017 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I signed up for 0 % for 12 months with XXXX XXXX with the account issued by Wells Fargo National Bank. On X/XX/17 I sent a balance transfer from my credit card to Wells Fargo and the balance transfer was rejected. I called my credit card and they told me the balance transfer was returned back to them as Wells said the account information did not match the owner. Since this occurred, Wells charged my account 900 roughly in interest. I want this rolled back and the overnight address provided so I can get this off the account.

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 11-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: My wife and I have had a XXXX XXXX / XXXX XXXX since @ XX/XX/XXXX. We were told that we had a rewards program, which is why we chose this card, that would build earnings toward the purchase of a new XXXX vehicle. Every month, on our statement, the earning total is printed. We have been watching this grow since @ XX/XX/XXXX. On our last XXXX XXXX XXXX XXXX XXXX Account statement we had {$10000.00} in earnings. We are senior citizens on a fixed income and were looking forward to buying our LAST new car. We went to our local XXXX dealer with the expectation of cashing in our earnings from the last 15 years. Even though our earnings were printed on our statements for the last 15 years, which we have, the dealer and XXXX XXXX / XXXX told us we can get only {$1000.00}. ( XXXX XXXX ) toward a new car. This is wrong. This is fraud. They tell us on every months statement that we have $ XXXX, but in fact, they tell us we can use only XXXX. This is WRONG! Please help us. In addition, please change the rules so that people like us will not be taken advantage of.

Company response to consumer: Closed with explanation