milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/28/2015 about Mortgage (Conventional fixed mortgage) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My complaint is with First National Bank. I have had a mortgage with this bank since XXXX 2015. There is no way for a customer to access their escrow account or see any escrow activity. I now have received a tax bill for {$4300.00}. FBN should pay this from my escrow account. I called and they explained it was never set up, that they will do this. I faxed them all the documentation and they told me they would set it up, pay and follow up with me. 8 days later, no follow up. I call FNB again. They explain they can not find my paperwork - to please resend. It is just very frustrating because I, as a customer, have no way to view my account and see what is going in and what is being paid out. I will resend them the documentation again and call again to see if anyone has it and will pay it. Please require First National Bank to make customers ' escrow account activity available online. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Since Equifax was recently compromised on the XXXX XXXX XXXX, 2017, I verified via their online tool that I am affected by the security breach that was published on the XXXX XXXX XXXX 2017. 
I 'm filing this complaint against them since ... my most important information was compromised by their lack of security. 
I 've placed a 90 day fraud alert with them, and will likely have to freeze my credit long term as a result. 
They, above all others, should not have allowed this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Credit card debt) with Hosto & Buchan, PLLC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: WENT TO COURT AND IT WAS RESCHEDUL AND I WERE NEVER CALLED BACK TO COURT, THE NEXT THING I GOT PAPERS WHERE THE JUDGE HAD RULE ON THEIR PART AND I WERE ORDER TO PAY. AND IT WERE ON MY CREDIT REPORT. COURT WERE RESET FOR XXXX-2008

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Trying to complete load modification

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (OH).
Issue: Settlement process and costs

Complaint: In XXXX I applied for a mortgage loan through US Bank and was approved. The closing date on my loan was XXXX. They gave a loan commitment letter on around XXXX/XXXX/16 with no conditions for additional work being done to the property. I was in communication with the loan processor, XXXX XXXX, at least once a week to make sure that everything was on track. At no point did he give any indication that any additional work to the house needed to be done prior to closing. The week before closing on XXXX the title company contacted me and stated that US Bank was not responding to them to give them the information required for closing. I tried getting in touch with XXXX XXXX and the loan officer XXXX XXXX multiple times on XXXX, XXXX, and XXXX through phone calls and email with no responses. On XXXX I was able to get a hold of XXXX XXXX 's supervisor, XXXX XXXX, who said XXXX has been out of the office and that he 's ( XXXX ) is " not involved knee deep in every loan ''. After it was clear that XXXX was n't going to be of any help explaining why the closing disclosure was n't available for the title company I was able to get the contact information of his manager, XXXX XXXX. 

XXXX XXXX returned my phone call on XXXX at approximately XXXX. Less than 48 hours away from the scheduled closing. At that time he informed me that they could not close on the loan as scheduled. Furthermore, US Bank wanted several repairs to the house to be made prior to closing. At no point in the loan process had U.S. Bank asked for any repairs to be done to the house and had provided a loan commitment letter that did n't have any repairs as a condition on closing. He was shocked and said that he was speechless when he found out that I was just finding this out. The repairs that they were asking for at the last minute were unreasonable. For example, it was stated that a walkway need to be replaced because there was a slight dip that could be a tripping hazard and that we needed to install globes around closet lights. 

XXXX XXXX did apologize and informed us and the sellers that closing had to be delayed because US Bank failed to deliver on a loan through no fault of our own. The sellers and I lost confidence in US Bank 's ability to deliver the loan and agreed the best way forward was with a different lender. We did close on the house two weeks later using a different lender. The delay in closing cost us {$4800.00} in compensation to the sellers, {$630.00} in additional loan expenses, and mortgage interest rates had gone up an additional .25 %

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 06/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Reviewing my TransUnion credit report, I noticed there were many inquiries which I never made. I have called each one of these companies and they confirmed no application was filed from me and they had no record of my name or social security number. 

This concerns me because 1 ) the wrong people may be accessing my information and pulling reports under the guise of a legitimate company and 2 ) this inaccurate reporting actually lowers my credit score. 

These are the companies I have verified so far that had no record of me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX I XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX I 'd like to have these inquiries removed from my record immediately. 
Any questions, feel free to call or email me XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX

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 01/23/2018 about Debt collection (Other debt) with Diversified Adjustment Service, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I filed a complaint with the CFPB on XXXX/XXXX/XXXX against XXXX, the complaint number is XXXX. XXXX closed the matter and stated that the client ( XXXX ) had recalled the debt, and stated that they would have the account removed from the top 3 credit reporting agencies. 

Today I received a letter from Diversified for the exact same XXXX account. The Diversified account number is XXXX. I will be responding to Diversified via USPS mail to make them aware of this complaint and how XXXX sold them debt that does not belong to me. 

This complaint is against XXXX and their debt collection practices, which are starting to become harassment. Is this how XXXX handles debt collection, by selling bad debt to third-party agencies? 

All of the information and documentation can be found in CFPB complaint number XXXX. I have attached the letter that was mailed to me from Diversified for reference.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/2014 I cancelled services with XXXX XXXX and received Confirmation numbers. After services were cancelled XXXX XXXX sent me a collections notice. I contacted them, attempting to reference the confirmation numbers they had given me. The collections officer said the confirmation numbers were useless and that I owed money. Long story short I paid. Now, 3 years later, they have turned me over to collections for a modem I returned. I called the collection agency who referred me back to XXXX XXXX. XXXX XXXX confirmed that the modem was returned and assured me steps were being taken to resolve the collection agency notice. 
I want this company held accountable for their oversights. What good are confirmation numbers if they say they do n't matter? These amounts they hit you for are small enough that it appears they are fraudulently trying to make you tap out to not hurt your credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I would like to dispute the following. 

Address XXXX XXXX XXXX XXXX OH XXXX. I do not recognize this address. 
XXXX XXXX XXXX  Account XXXX I never paid this account late. 
XXXX XXXX XXXX Account XXXX I never paid this account late. 
XXXX Account XXXX I never paid this account late. 
XXXX/XXXX  Account XXXX I never paid this account late

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 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 02/15/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TN).
Issue: Other transaction problem

Complaint: On XX/XX/2018, Coinbase withdrew {$2300.00} from my account without prior authorization and no services/goods rendered. They stole my money directly from my account, resulting in withdrawal and overdraft fees. Called Coinbase, was on hold for 2 hours before I hung up. Emailed them, have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: they Removed some of the inquiries not all ... I was told they would all be removed.

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 01/31/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Closing/Cancelling account

Complaint: I applied for a credit card from capital one and was approved for a credit limit of XXXX dollars under the pretense and not realizing i had entered my drivers license number as my social security number which is still an identifiable form of identification and submitted supporting documents to prove i am myself the company refused to give me the line of credit because they did not want to change the information as requested when it was presented and in other factors its curious because they stated that if they reported to the credit reporting agencies they would not be able to associate me to my credit profile however when their own credit monitoring service showed my credit profile it shows a card linked to myself as an authorized user on a card through XXXX i seek to have this case thoroughly investigated and the company to uphold to the original approval

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have no relationship with " Midland Funding

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2017 about Debt collection (Other debt) with I.C. System, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This is not my account and i was repeatedly harrassed to pay for this account debt!!! I have asked politely to be removed from the contact list and to remove the account but im constantly being ignored. THIS IS NOT MY ACCOUNT AND I WISH TO BE LEFT ALONE! They have no proof of me physically coming to get an account and therefore i shouldnt have to pay for anything i didnt get a product from. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY IM SICK OF THE HARRASSMENT!

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 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The company is reporting the incorrect balance to Fed loan Servicing showing on my credit report. Please have University of XXXX do an Validation fo Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I enrolled in automatic payments for my student loans with Navient a year ago. 
Navient advertised 1 % interest rate reduction for enrolling. 
There was no disclaimer ( unless it was buried in fine print ) indicating that the loan source, or type, or the loan guarantor determined eligibility for the interest rate reduction. 
I spoke with someone at Navient today, and they told me that I did not receive the interest rate reduction during the period my loan was on automatic payment because the guarantor was ineligible. 
I have been unable to receive adequate assistance from Navient in this matter and with the servicing of my loans since they began repayment. 
I had assistance from U.S. Department of Education Ombudsman group in getting this set up about a year ago, and felt comfortable with my arrangement. 
I have received paperwork from Navient that requires me to complete annual re certification of my income driven repayment plan. They acknowledge the paperwork received XX/XX/XXXX, and told me it will take them until XXXX/XXXX to process the application. I should not have to go through this annual stress fest. I need reasonable repayment terms, and Navient needs to correct their errors, and their processes to prevent this consumer stressing, time-consuming bottleneck.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have an company XXXX that I know nothing of that keeps pulling my credit for no reason. I have n't applied for any credit cards due to the fact of trying to fulfill 2 past ones on my credit. I also placed a fraud alert on my report and have n't received not one call from companies while there are still being hard inquiries being reported on my credit report. It 's quit frustrating when the credit bureau does n't believe you and your already in a stressful 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 12/25/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen is not applying my weekly payments properly and are indicating my payment is past due. 
I have been making weekly payments on my mortgage as soon as i was able - the total amount has been applied to principle and " unapplied funds '' rather than being applied as described on their website where my autodraft was set up.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Eastern Account Systems of Connecticut, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX, I pulled a recent credit report to review my credit because I 'm in the process of establishing a business and I need to apply for a line of credit. I noticed there was a Collection entry by Eastern Account System that totally alarmed me. I was never notified that is account when it was added to my credit report in XX/XX/XXXX. My rights under the Fair Credit Reporting Act were violated because I would have disputed first this. I recently sent a dispute to all XXXX credit reporting agencies and of course it came back verified. How could this be? I 've been working extremely hard to maintain my credit report, and I would have addressed this immediately. And not to mention that I still have XXXX services and I have had services for years. Eastern Account Systems derogatory marks on my credit reports are preventing me from establishing a business line of credit and becoming a business owner. I had no knowledge of this account until recently and it ' does belong 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 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I took a 7-day free trial with XXXX XXXX belonging to XXXX XXXX XXXX, an Experian company. In order to cancel it you must call their toll free number. I have called and called. And waited for over an hour, even though wait time was supposed to be 15 minutes. No answer. They are charging my card on file for a membership that is impossible to cancel.

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 04-02-2015 about Student loan (Non-federal student loan) with Student Loan Finance Corporation (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I borrowed {$13000.00} in 2003 from Student Loan Finance. I became extremely I 'll in the middle of the XXXX semester, resulting in XXXX XXXX over the last XXXX years. Student loan XXXX has been unrelenting. They have told me I need to borrow the money from family members or get another job. They have been unwilling to accept any form of payment other than what they want and have threatened to sue 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 04-06-2016 about Credit card () with DISCOVER BANK (PA).
Issue: Delinquent account

Complaint: Today on XXXX XXXX, 2016 @ XXXX XXXX I received a phone call at my work number from a representative of Discover Card named XXXX. She is calling me because I have not made any payments on my Discover Card since XXXX 2016, and I informed her that I had turned the account over to a management company. She asked me if they were a credit counseling agency or a debt consolidation agency. My response was " they do both, and I do not wish to speak with you further because I contacted your office in XX/XX/XXXX to try and help me lower my payment or rate and you refused to do anything at all '' and she stated " I am sorry about that but now that you are behind we have things that we can offer you, however if you are working with a debt consolidation company we absolutely do not work with them we do not consolidate our debts and we will hire an attorney to come after you if the debt goes into default and the consolidation company offers us a settlement which we will take and then have the attorney come after you for the rest of the money owed at which point your credit will be ruined. I am angry with this attitude. I was a loyal customer who paid on time, and I attempted to negotiate with each of my credit accounts when I realized that my income was being adjusted temporarily. They all refused to work with me in any way Discover, XXXX XXXX, XXXX, and XXXX. Now that I have updated my contact information with the phone number of the XXXX XXXX XXXX management company everyone including Discover is calling me at phone numbers that are not longer listed on my account. I want a letter of apology from Discover card for their unfriendly attitude with consolidation debt companies, and an acknowledgement that they will work with them on my account! Discover can provide you with the date and time of conversations that I had with the credit representatives in XX/XX/XXXX where I tried to communication with them of upcoming financial burdens and they absolutely refused to offer anything prior to my credit becoming ruined. I believe I was being a responsible consumer, and Discover showed prejudice and turned their backs and now are threatening me with intimidation simply because XXXX XXXX XXXX may not offer them all they money they want.

Company response to consumer: Closed with explanation