milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/20/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo is refusing to remove data from our credit report. Wells Fargo reported we were late on a mortgage payment after the loan was paid off in full. We were specifically told to make no further payments to Wells Fargo. 
Their action has severely damaged my family 's credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery has been reporting derogatory information on my credit reports. I 've made attempts on XXXX/XXXX/17 and X/XX/17 to rectify my concern by sending a certified letter disputing this account. Portfolio Recovery stated on a letter that they have reviewed documents related to the account which establish its validity as mine. This is ludicrous .... First of all I 've never ever lived in XXXX, Arizona. Secondly a billing statement does not prove the validity of a falsely account as mine. This derogatory information is a false statement on my account and is affecting my credit history, worthiness, and ability for future credit establishment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Debt collection (Credit card) with Oxford Law, LLC (DC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was asked to choose XXXX item that best describes my issue however multiple issues could have been selected. The latest one that has me seething is they called my mother in law pretending to be conducting a background check on my company. Asked her if my husband was in fact my husband, asked her how many employees I had and asked for my phone number. Then he called my husband to tell him I had a debit. They have not produced a document proving this debit is mine. I have repeatedly told them I know nothing about this - and to please send me actual documentation and I 'd be happy to pay whatever I actually owe. They call me EVERYDAY. I called them yesterday to make the phone calls stop and this bully named XXXX XXXX said all kinds of crazy nonsense - that if I was a XXXX he 'd be willing to settle this debit right now. Asked me what I did for a living - told me I was rude and uncooperative when I would n't engage in personal conversation. He 's a bully. And a liar.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2015 about Debt collection (I do not know) with PINNACLE RECOVERY, INC. (ME).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: an amount on my credit report which is not in my name nor have I had a history with this company

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted an application for HAMP assisstance to America 's Servicing Company. I am requesting a loan modification, they responded that I had the maximum amount of modification possible and that the private investors are renuant to offer another modification. In a telephone conversation that I have with XXXX America 's Servicing Company, Home Preservation Specialist in XXXX XXXX, she stated that the investors can not approved the modification because I was found unable to pay. The house is scheduled for a foreclosure on XXXX/XXXX/XXXX. I am requesting your help to stop the foreclosure and to advocate for a positive solution of my case, either loan modification or refinance. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2016 about Bank account or service (Savings account) with PNC Bank N.A. (WA).
Issue: Account opening, closing, or management

Complaint: I have no other recourse to submit this issue to the CFPB. I have made numerous good faith attempts to rectify this through PNC Bank personally. This has included the following activities over the last 12 months : 2 Branch visits : 60 minutes each 6 Phone calls about this issue : 40 minutes each Research to submit this issue to CFPB : 4 hours Total time spent trying to rectify this issue to date : 10 hours During my first call I was told, " why would n't you notice this earlier? '' and " it is not the bank 's responsibility to verify your interest payments, especially since it has taken so long to catch it ''. It was n't until my 5th call that I was able to contact someone in the customer resolution team who went and researched this problem ( the person on my 4th call promised to log an interact complaint, which I asked her too, and she did not follow through or log the compliant which is against regulations in the Frank-Dodd Act ). 
When she had her team research the issue she verified that there was only {$15.00} in interest owed. I had informed her that is drastically under what I should have earned during the last 2 years. For my PNC Growth account, I would be awarded a higher interest rate for every month I made more than 10 transactions on either my PNC debit card or PNC credit card combined. For some reason in XXXX PNC Bank unlinked my credit card without my permission and those credit card transactions no longer counted towards my combined transaction total. I have gone through every month statement for the last years and found that I have been short changed this amount ( I should have received {$40.00} but was only credit {$15.00} ). I am requesting the balance of my owed interest be refunded to me and action taken against PNC Bank for putting me in this place. I am also requesting a charge per hour for my personal time in order to find resolution. I earned {$220000.00} last year at my job so when you divide that for a 40-hour work week it comes to {$100.00} per hour. With the 9 hours that I have put towards this issue, I am requesting {$1000.00} for compensation on personal time rendered to do PNC 's job. 

Months in Question : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/29/2016 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (MD).
Issue: Settlement process and costs

Complaint: My complaint is mainly against M & T Bank 's Loan Officer XXXX XXXX and the team he utilized to work on my home mortgage loan. In Exhibit A, the bulk of my complaint/concerns are outlined in chronological order. To date ( XX/XX/XXXX ), I have not received an apology nor an explanation or answers as to why everything fell apart at the end and why the cost of their neglect fell on me. 

M & T violated the three-day closing rule : if the final CD is changed then closing has to be pushed back three days. M & T issued a final CD on XXXX/XXXX/XXXX with closing of {$1300.00} for settlement date of XXXX/XXXX/XXXX, then changed the dollar amount the morning of XX/XX/XXXX when they noticed that they missed the processing fee ( initially {$700.00} then revise the morning of closing to {$310.00} ) for XXXX and added it ( which meant settlement [ per regulation ] should have been rescheduled for XX/XX/XXXX to give the three day change ). The contract extension ended on XXXX/XXXX/XXXX and a new extension had not been sign ( nor was possible to get signed and on the books to push closing back again ; the home was still at risk for foreclosure and an extension would have meant starting the entire process all over again with the short sale approval from the seller 's bank ). It 's inexcusable and neglectful that the M & T loan officers/underwriters were not paying attention and doing their jobs which led to missing the processing fee and then trying to tack it on at the last minute. M & T needs to assume responsibility of the XXXX processing fee and reimburse the full amount that they neglected to add when it was first noted on the XXXX/XXXX/XXXX CD from XXXX. 
( The full complaint will be attached in a PDF. )

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: This is not the first time this has happened with Kohls.com and the associated Kohls charge card. I placed an order on XX/XX/2018 that involved 2 items, which were to be delivered by XX/XX/2018. One item arrived on XX/XX/2018 with no problem. The other item did not arrive and the shipping tracking information for the 2nd item was invalid. Just so happens this item was never shipped from Kohls ( after to speaking with 2 customer service associates, a supervisor, and a complaint to their office of the president ) and now the price is double the original price. Kohls charge card quickly says " Sorry we will refund '' but offers nothing else. This has happened before when they increase the price of an item. They do not ship the item and just want to refund and force you to purchase at a higher price.

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 EQUIFAX, INC. (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: II sent a dispute to XXXX  XXXX  in regards to account number XXXX and Equifax , XXXX  , and XXXX. asking to reinvestigate information. I now have proof that the investigation was not taken seriously. all credit bureaus did not do there separate investigation per the FCRA. they let XXXX XXXX send false and inaccurate info and they also change the date of first delinquency to cover it up. I have a copy of before and after I disputed and the changes that were made. in the payment history sent to me by XXXX and there was a 30 late in XX/XX/XXXX for non payment in XXXX. it also reflects in my old credit report. they had that info changed or not reported. so now they can say the first date of delinquency is XX/XX/XXXX. they also hade different account numbers on different credit reports the other one was XXXX the credit bureaus allowed them to change that instead of have them delete it due to inaccuracies and incomplete information per the FCRA. m

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BOEING EMPLOYEES CREDIT UNION (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: What happened? In XX/XX/XXXX I settled 5 charge off accounts with Boeing Employees Credit Union. We are in agreement that the accounts are paid in full and paid as agreed. I have included a settlement letter from BECU that confirms this. A 6th account was settled in XX/XX/XXXX, letter attached. All 6 accounts appear on the included XXXX Credit Report, with red boxes marking the items described herein on pages 6-9 of the credit report. BECU stopped reporting the payment history on each of the accounts marked in red boxes in XX/XX/XXXX, but started reporting derogatory payment history anew, when I settled the accounts. This inaccurately reflects my payment history and RE-AGES my account in violation of the FCRA because it shows a recent delinquency. The attached letter confirms these accounts are PAID AS AGREED. Thus, the derogatory payment history must be deleted in accordance in the FCRA. The new reporting of derogatory information results in a reduction in my credit score. When I paid the accounts off, instead of an increase in my score, I received a DECREASE in my score due to recent delinquencies when BECU suddenly began reporting them. If BECU fails to delete the payment history, its only other option is to update the entire history as derogatory beginning when the first payment was missed for each account. Additionally, BECU continues to report 'Creditor can not locate individual ' which is false, as shows on page 9 of the XXXX credit report, marked in red. BECU has been in regular contact with me since XX/XX/XXXX, as proven by the attached letter confirming my settlements. I have twice tried to get them to remove this derogatory description using the dispute process, and each time they have 'verified ' it as accurate. This is clearly erroneous. I have contested these accounts with XXXX and they received 'verification ' from BECU that the accounts were reported accurately. As proven herein and by the attached, BECU 's XXXX reporting remains inaccurate. Having exhausted the dispute process with the XXXX credit bureau, I am seeking resolution via the CFPB as a next step.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report. I disputed this item with Equifax, XXXX, and XXXX and it remains on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Settlement process and costs

Complaint: I started a refinance with Wells Fargo in XX/XX/XXXX. I have been given the run around through this entire process. I was told my closing date was XXXX XXXX, 2016. I have all of my paperwork which states they are incorporating my second loan of {$4500.00} ( which I pay {$360.00} a month which would be eliminated ) and my XXXX mortgage and my refinance payment would be {$2600.00}, with {$4000.00} to borrow at closing at an interest rate of 4.15. I was told nothing could be changed and all was finalized. I was told this was approved by the underwriter. I have all of the emails indicating this. I am told today after all is finalized that now they ca n't do this and they ca n't incorporate the XXXX ( which its not a second its line of equity ). I am told my new payment is {$2700.00} and I will still have to pay my XXXX, with a new interest rate of 4.34! This is completely bad faith and inappropriate. I completely disagreed with the appraisal of my home, I never got a response from anyone above XXXX when asked. XXXX XXXX stated he would look into it and every time I spoke to XXXX the amounts raised until it was finalized last week. I am appalled that I was charged {$400.00} for an appraisal I was finalized with a payment and now I am told all of these items are incorrect and it is not financially sound to proceed with these new terms. No one can provide answers or even explain why the amounts have risen every phone call or why I am being treated this way. 

This refinance has been the utmost disappointing experience I have ever dealt with as a consumer. I can attest that also being in the service industry if my company were to treat someone the way I have been treated, I would be completely appalled. This is the most unprofessional experience I ever had. 

I am asking for what I was originally promised ( see the attached loan aggreement ). I am completely disappointed and feel at this point Wells Fargo is estopped from changing any items as I signed the paperwork and was told it was finalized and had planned so accordingly. 

Please see all of the attached documents, emails, loan aggrement, complaint about the appraisal. I have actually never filed a complaint with any company prior to today as I understand as a consumer that it is a big deal. I hope no one else goes through what I did with Wells Fargo. I have been a loyal customer to them for many years. It 's sad to know that this is where loyalty will get you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: After the fraud was uncovered at XXXX - it was recommended that we place a freeze on our credit reports with " the 3 '' bureaus. Well, it seems the bureaus do n't want this. Loss of revenue. XXXX indicates I must have had an account years ago. Unless I recall the sign-in I ca n't get into freeze. They offer no help in recalling password. AND will not permit a new account. XXXX just plain makes their web site inoperative. I need an answer now.

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 10-12-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Ok, I was told the {$32.00} interest charge and {$6.00} on the XXXX XXXX, XXXX statement would be credited back to me by a rep on the phone. He looked over past purchases and saw spots where promos were not applied properly and I was charged too much interest. I was offered to get a credit for those XXXX interest charges, now the XXXX credit card people say that they cant do anything. This is wrong as it was promised to me!

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 04-05-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: wells fargo. we are asking for a modification on the following property XXXX pa XXXX. we were accepted for a modification in XX/XX/2016 and the bank did not let us finalize the transaction. Now the bank says there are no programs available?

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 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: An employee with   XXXX   XXXX   changed the last digit of my driver linsence. The check was from   XXXX   XXXX   in the amount of {$5000.00}. The last digit of my linsence is  XXXX  not  XXXX .   XXXX   XXXX   was able to get a packet to me. I 've mailed information out of the city, I have n't been a letter to receive mail. Until now, because there is a company name surrounding my name. I ca n't submit a change of address through The United States Postal Service. Due to theft of mail through the internet. It appears as though I 'm included in a group for the person/persons to get group discounts & senior citizens benefits. These are corrupt dangerous people. Please research the   XXXX   XXXX   case number  XXXX . The courts shows I wa s discharged XX/XX/XXXX .   XXXX  DBA   XXXX   XXXX   XXXX  was refinanced o n   XX/XX/XXXX ,  whil e I was under wage earner. The new loan is with  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: My mortgage is with Wells Fargo in about XX/XX/XXXX. A fixed rate paying interest and principal. I had a problem for a shot while after XX/XX/XXXX making payments. I did a loan modification with them to get up to date. It started at {$1600.00} interest only a month and spiraled up in 3 years to now {$2600.00} interest only with no end in site. I talked to them two months ago to see if they could modify or refinance with a fixed loan that was not an interest only. They said they could not help me that my income to debt ratio was too high. In all this time I have not been late on a payment I also have good credit over XXXX. 

Thanks XXXX 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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are several late payments from the months of XX/XX/XXXX to XX/XX/XXXXthat are inaccurate I am not responsible for the inaccurate information reporting to my credit file please fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Payday loan, title loan, or personal loan (Installment loan) with Social Finance, Inc. (NY).
Issue: Problem with additional add-on products or services

Complaint: I accepted a personal loan from sofi at least a year ago. Sometime in the last few months they changed their website to force users to accept their new arbitration agreement. If users do not accept the new agreement, they are blocked from access their account management. I contacted sofi about this and they said the only option is to accept the terms on the website, and then send in a written rejection notice, by mail. Additionally, they also previously incorrectly stated " However, if the customer does not wish to acknowledge consent upon log in, they may uncheck the consent box and still access their account. SoFis promissory note and online consent provides the Right to Reject clause for the Arbitration Agreement. SoFi recommends the consumer follow the instructions if they would like to exercise their right to reject. '' This functionality does not exist on the site.

While they have provided one method to reject the terms, and have been responsive in communication, they have not provided a suitable approach when all account administration is handled online, especially one that forces users into an agreement even temporarily.

Company response to consumer: Closed with explanation