milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-10-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Our house went up in smoke in XXXX 2009, after a year and a half, we put the property up for sale with a signed contract with a Realtor. The balance was suppose to be paid off with the Insurance money put into a separate account. The mortgage Company XXXX refused to move it to the payoff, because the left hand knew nothing about the right hand. It put us in a negative for 3 consecutive months, after several calls to the Insurance Department and doing exactly as they asked us to do after each and every call. They found the error and corrected it, and apologized for their mistake. They also charged us {$30.00} for each and every time the Title Company called for a payoff balance. 8 months later we were notified that the original mortgagor XXXX filed for Chapter XXXX. When the new mortgagor took over XXXX XXXX XXXX, they only had the paperwork for the loan which reflected only the 90 days late and nothing else. We keep disputing it and get nowhere. This also reflects a 30 day late with our Equity line of credit XXXX. We wanted a 30 day close on the property but because of the mishap with XXXX it reflects XXXX. We want it changed on our Credit Reports is all. We are not asking for it to be removed just changed to reflect a positive, because we were on time each and every month for the 32 years we had the loan with XXXX while they were our 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 non-monetary relief
Consumer complaint received 09/18/2017 about Mortgage (Conventional home mortgage) with Eagle Home Mortgage, LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We were in the process of purchasing a home in XXXX, CA. We submitted an offer on XX/XX/XXXX. The listing agent required buyers to obtain cross approval with their designated lender " XXXX XXXX at Eagle Home Loan. Which we did. There was apparently multiple offers on this property. After approximately a week with no response from the listing agent, our agent received a call from the listing agent 's designated lender XXXX XXXX who indicated that if we ( buyers ) would use his company to handle our mortgage financing the listing agent would choose our offer. We told the listing agent we had full approval at our current lender ( XXXX ), however we said OK we would use their lender. Sure enough, we received a response indicating an acceptance of our offer. 

When it came time to remove the loan contingencies, XXXX ( Eagle Home Loan ) still did not have loan approval. He assured us he would get our loan approved. So we removed the contingency which exposed our earnest money deposit. In the meantime he had us jump through a bunch of hoops that cost time and approximately $ XXXX. When it came time to close escrow, he still did not have loan approval. We ended up paying a {$100.00} per diem to the seller to extend the escrow closing date. Two days before were supposed to close escrow on the extended closing date, XXXX said he could not do our loan. At that time we switched back to ( XXXX ) our original mortgage company onXX/XX/XXXX. XXXX was able to get the loan approval and funded in 17 days. 

Our complaint boils down to two issues : 1. Eagle Home mortgage mislead us and it cost us needlessly {$2900.00} ( per diem ). 

2. When we advised XXXX XXXX at Eagle Home mortgage, that we switched lenders, he sent an email to the listing agent stating ( XXXX ) our lender could not approve our mortgage in an apparent attempt to sabotage our escrow. Which could have jeopardized the purchase of our home and cost us our earnest money deposit. 

We would like the lender ( Eagle Home Loan ) to refund the {$2900.00} Per diem we needlessly paid. And we think people should know about the dishonest practice of this lender. 

Post script : Our original lender was indeed able to complete our mortgage approval and we closed escrow.

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 06-07-2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Balance transfer

Complaint: I took a {$4000.00} balance transfer from Citi Card. This cost me {$120.00} for 0 % interest for 15 months. I continues to make my regular charges to my Citi Card. I made my monthly payment, on time, paying off all my purchases and a little additional. I was charged interest because I did not pay off the full balance of my credit card statement which includes the {$4000.00} I borrowed at 0 % interest. They charges interest on my purchases even though I paid off my purchases in full and on time.

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 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: In the end of XXXX I sent in a request for several accounts to be corrected. These accounts to this day are not being reported correctly and actually at this point should be deleted due to how it is being reported on my credit file. I have disputed how the information is listed on my credit file with both XXXX and TransUnion. Both of these CRA have not corrected the issue and yet allowed one of the companies to continue to update a closed account. XXXX XXXX and XXXX XXXX has been disputed greater than 30 days ago and by law, they are not marked as 'disputed by consumer ' which is in violation of CRA reporting. As you see listed in the attached documents, all the other disputed items are remarked as 'disputed by consumer '.

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 02/15/2017 about Debt collection (Medical) with M. G. Credit, Inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Re : Complaint against : XXXX XXXX, M.G. Credit, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX On XXXX XXXX, 2017, XXXX. XXXX ( Debt Collector ) sent me XXXX XXXX, XXXX. XXXX XXXX, XXXX, FL XXXX, the attached collection letter marked Exhibit ( One ) I XXXX XXXX responded with a Public Law 95-109, Section 805-C, the Fair Debt Collection Practices Act Certified Letter, Exhibit ( Two ) dated XXXX XXXX, 2017. 

USPS Tracking confirmation dated XXXX XXXX, 2017 confirmed the delivery of the Certified Letter. See Exhibit ( Three ) XXXX XXXX, of M.G. Credit, XXXX XXXX XXXX, XXXX, FL XXXX, sent a response that was undated to attempt to circumvent the law, as I never asked for proof of debt. 
Exhibit ( Four ) M.G. Credit is in violation of Public Law 95-109, Section 805-C, the Fair Debt Collection Practices Act and they need to be sanctioned and fined for their attempt to violate federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IN).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Chase has informed me that they plan to close one of my credit card accounts. This account has been inactive for quite sometime with a XXXX balance. They informed me when this card expires they will in fact close this account. The problem with this is when they do close this account this will cause a reduction in my FICO score, I 'm currently saving and planning to make a purchase of a new home. This FICO score drives the interest rate and my new payment amount. If chase should choose to close this account and my score decreases due to this it will cause a financial hardship to me and my family, costing me tens of thousands of dollars in a course of a 30 year note. This is assuming I can even get approved at that time due to this. I 'm bringing this up as many years back when the economy tanked I never missed any of my payments they decided to reduce my line of credits setting off a chain reaction of many of my accounts pulling back on my there line of credits too. This at time could have cost me my business however I was able to weather the storm and endure the added costs inflicted upon me and my family. I 'm attempting to be proactive this time with no plans to simply roll over on allowing the big banks to again damage me. It would be different if I was bad paying consumer however I have literally 20 plus years of perfect credit When I say perfect credit what I mean is never miss a payment never not fulfill a commitment. This is what used to count not inquires, closed or open accounts or age of those accounts.This FICO score is driven off many factors and when a bank decides to hurt me for doing nothing wrong it is not fair to the consumer. If I were to harm them by not paying them I would end up in court. The same should apply to them as they should be held to a higher standard. This information is in regards to account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (I do not know) with Premier Portfolio Group (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I have recieved five calls from a company representing themselves as Premier Portfolio Group asking for my husband. When I stated that was not his number they proceeded to tell me he bounced a check, they have his social, and they are with an attorney who is filing a law suit at the end of the day today ( however they 've said this for several days in a row now ). When I asked them to stop calling and informed them that it was illegal for them to leave these messages they curse at me and then hang up. 

My husband and I have a joint account and there are no outstanding bad checks on that account, so this can not be a legitimate debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was upset after I viewed my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due XX/XX/XXXX, 60 days XX/XX/XXXX, 30 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 60 days XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

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 04-06-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been paying for my student loans since XX/XX/XXXX and still have a balance of {$23000.00} ; they will not be paid off until XX/XX/XXXX and I would like them reduced or eliminated, since I worked or the federal government. I currently make two ( 2 ) payments to Navient via directly from my checking account, in the amounts of {$640.00} and {$74.00}, for Stafford Subsidized ; Stafford Unsubsidized and XXXX loans. Stafford subsidizes loans total {$8300.00} ; unsubsidized {$9200.00} ; and signature loan {$5700.00}. I went to XXXX XXXX University and obtain my XXXX XXXX and XXXX XXXX degree in XX/XX/XXXX. I am XXXX years old turning XXXX on XXXX/XXXX/XXXX and would appreciate some relief with this debt. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have reported an inaccurate item to the credit bureaus about me and they are on my files and I need to have them removed as soon as possible. The inaccurate item ( listed below ) is affecting my credit score and livelihood. Please delete it immediately. 

Here is the erroneous account you have listed. Please delete the following : XXXX XXXX XXXX XXXX Account : 1. Mortgage Account : XXXX XXXX XXXX Loan Term : 360M Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Debt collection (I do not know) with Penn Credit Corporation (WV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received multiple calls from  XXXX  - Penn Credit Corporation. They always hang up if I answer the phone, but if I do n't answer the phone they leave an automated message telling me to call them back about a debt that is owed. When I call them back they refuse to give me any details of the debt unless I provide a variety of personal information about myself. I refuse to do that as I believe their company is conducting some sort of a scam. I told them I do n't owe any money and I pay all of my bills. I have n't received anything in the mail regarding a debt. They ask for my mailing address. I do n't give it to them because I believe this is part of the scam they are perpetuating. I have looked them up online and all of the comments seem to point to the same conclusion - scam. Please have them stop calling me, and if possible shut them down before they rip any more people off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I closed my Wells Fargo IRA in XXXX 2015 and noticed that funds were still withdrawn in XXXX 2015 from my Wells Fargo checking account to go into this nonexistent account. I notified the claims department and I was given a temporary credit in XXXX and then it was reversed XXXX " because I failed to return a Wells Fargo Document ''. I am currently out of the country and have been for several months and therefore I have not received any mail nor were any messages provided to me that claims department needed additional information. This reversal caused my checking account to be overdrawn and I suffered a series of overdraft charges as a result. Curious why Wells Fargo reversed this or asking for notarized statements, etc. since this is pretty straightforward : I closed the Wells Fargo IRA so what sense does it make for me to still be deducting funds from my checking account to continue to place funds into an Wells Fargo IRA that I closed and no longer exists? Now I have been chasing a moving target of notarized statements and poor customer service ( you can read the email thread I am enclosing as an attachment ). 


P.S. I called twice this morning and XXXX times, after being on hold for around 30 minutes each time, XXXX representatives I spoke with were very rude and seemingly incompetent. It was almost as if I was interrupting them. Is not their job to field questions from customers in a professional manner? For the record, the first rep hung up on me ( I am sure of it ) after I asked her for an explanation and the second one actually yelled at me ( yes, yelled at me ) when I asked her the question I asked you above, namely, what sense does it may for me to continue to deduct funds from my checking to put it into a Wells Fargo IRA that no longer exists? So, please do not ask me to call your XXXX number again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have an account with   XXXX   XXXX   XXXX   XXXX  . During the course of the loan, I went through a Loan Modification program.   XXXX   XXXX   had me under a contract to pay a significantly lower mortgage payment for 12 months and then my mortgage was refinanced.   XXXX   XXXX   is reporting several months of late payments although I paid the contracted and agreed upon loan modified payments during this time. My payments were never late- they were modified by   XXXX   XXXX   . I paid the AGREED upon MODIFIED payments and they should not be reported as late. I have contacted   XXXX   XXXX   several times and they have informed me that they are showing my account in GOOD STANDING. One customer service representative told me that the late payments will not be removed because even though the loan was modified, it was not the original payment amount. Under the loan modification, I was told that I could not pay any MORE or any LESS than the agreed upon amount and had to follow strict modification guidelines. Wells Fargo is reporting false information on my credit report. This false/inaccurate reporting is causing financial hardship and undermining my credit worthiness.

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 08/21/2015 about Student loan (Non-federal student loan) with DISCOVER BANK (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My complaint stems from concerns that I have after reading about the recent settlement between CFPB and Discover. While enrolled in my last semester at XXXX XXXX XXXX XXXX School, I took out a XXXX Loan from Discover Student Loans to cover the costs of studying for the XXXX exam. I have received, online, the interest paid amount for tax purposes for the years of XXXX, XXXX and XXXX. Each tax year listed that my amount of interest paid was {$0.00} ; I did not claim any amount of interest to Discover on my taxes during these years ; to be honest, I believed that the amount were probably correct and that somehow, perhaps a XXXX Loan was n't a student loan. However, I have since learned that is untrue. As you know, the recent settlement includes Discover 's failure to properly report the amount of interest paid on their loans for tax years. Unfortunately for consumers like myself, the settlement only covers up to year XXXX. In XXXX, my amount of {$0.00} was correct, but the company informed me today that the interest paid the other years XXXX XXXX & XXXX ) was incorrectly listed at {$0.00} on my Tax Information Page. My complaint is that I was given false tax information that cause me to be unable to accurately claim interest payments made on my taxes for tax years XXXX and XXXX. Unfortunately for consumer 's such as myself, Discover 's issue with tax information extended beyond the years addressed in the recent settlement agreement XXXX XXXX ) and there is no resolution for consumers affected in XXXX and XXXX, such as myself. I would appreciate your help in guiding me through my concerns and seeking a resolution. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with WAKEFIELD & ASSOCIATES, INC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a duplicate collection attempt from a different collection agency both from the same service provider. Details about the debt is below : I was unemployed at the time when this debt collection attempt took place. At that time, a local agency called XXXX was providing XXXX for my family during the winter and summer and they have been making payments to XXXX XXXX XXXX to cover my utility bills. I do n't know what went wrong and I was not notified of any issues with my energy assistance that I was receiving from XXXX. I was going through hardship due to job lost. I was receiving XXXX and other other help from the state plus XXXX.

Company response to consumer: Closed with explanation