milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (WI).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of XXXX I submitted a written request to Wells Fargo to have the property tax portion of my escrow account payments disbursed when payments are due rather than annually, as is allowed per Wisconsin Statute XXXX paragraph XXXX due to my fulfilling the requirements of XXXX paragraph XXXX. I spent countless hours on the phone will all levels of customer service, who insisted that I must adhere to a single tax escrow payment annually. Only upon citing specific sections of Wisconsin and Federal statute did Wells Fargo agree to follow the law. 

XXXX taxes were disbursed without incident, however upon receiving my escrow account analysis for XXXX I noticed that Wells Fargo disregarded this requirement in XXXX. In XXXX XXXX, Wells Fargo disbursed the entire property tax payment in XXXX rather than in two installments per my written request. In addition, they miscalculated the actual amount of property taxes due, and based the new escrow analysis on annual taxes of {$3700.00} rather than my actual taxes which are {$2400.00}. This early payment combined with the wrong tax amount caused a shortfall in my escrow account, which Wells Fargo is attempting to recoup by increasing my monthly payment. 

If the correct disbursement terms had been followed, the escrow analysis would have found there is more than a two month surplus in the account which is the maximum cushion allowed under Chapter XXXX of RESPA.

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 04-01-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other

Complaint: In XXXX of 2014, I noticed approximately a {$13000.00} credit on my credit card with Bank of America. I called the bank to inquire what it was about, and I was told it was a refund for them overcharging me for interest paid while I was covered under the Servicemember 's Civil Relief Act ( I 'm in the military ). Unbeknownst to me, they issued a XXXX, which caused the IRS to send me a XXXX Notice saying I owe over {$2500.00} in taxes and interest. Being that this is a refund for overcharged interest, they issued an erroneous XXXX, which the interest that I would have paid originally was post-tax income. After searching the internet, I have found numerous other military personnel whom this has affected.

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 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX Inquiry from XXXX XXXX, 2018 + Bank not mine XXXX not XXXX XXXX never late chase inqires not mine XXXX and transunion have ruin my credit i 've made every payment XXXX XXXX  reporting wrong amount with only owe them 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 02-10-2016 about Mortgage (FHA mortgage) with EQUIFAX, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX has reported to the credit bureaus I was late 120-180 days mortgage payments for each XX/XX/XXXX-XX/XX/XXXX. Contacted them and they asked for bank records that dispute their reporting. I provided it XXXX/XXXX/XXXX and they responded that they were not going to change their reported although the bank records indicated I was on time and actually a month ahead by mid XXXX. They suggested we take it up with the credit agencies. This has not only impacted my credit score buy my ability to secure another home. Currently trying to contact XXXX, Equifax , and XXXX to mitigate the negative situation. Numerous attempts with XXXX failed to achieve any resolution. Will never do business with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Mortgage (Other mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Settlement process and costs

Complaint: I originated a loan with XXXX in XX/XX/XXXX. The loan was paid in XX/XX/XXXX with a HELOC that was also originated with XXXX. I have found out that the lien was never removed. I contacted PHH Mortgages ( XXXX XXXX XXXX ) on XX/XX/XXXX and was email my request along with a copy of the title search. I was told that XXXX the supervisor was going to " rush '' my request. I have not been able to contact XXXX XXXX and my request has not been rushed. I called today and was told that XXXX is not a supervisor. I was also told to resend the information. This is the information that XXXX confirmed she had received. This is holding up a XX/XX/XXXX closing.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid to other collection agency. XXXX agency and XXXX also said is the same 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 01/29/2018 about Debt collection (I do not know) with The CBE Group, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: was never contacted by anyone about this debt

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am disputing a public record on my credit reports with all XXXX credit bureaus on verifying bankruptcy information on my credit reports. I have submitted letters asking all three bureaus verify this public record and " send me copies of the documents listed in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). '' I stressed the fact that " Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted '' I asked for copies of how they verified the information, who they spoke with, etc. The letters were sent to XXXX, Transunion, and XXXX via certified mail. I 'm not sure if proper process was followed, but the only response I received was a letter stating that the accounts were verified. My initial request for documentation was completely ignored. I personally sent a letter to the US Bankruptcy Court and asked if my case had been verified by them and with whom they had spoken with and I was informed that they do not provide case information to anyone, including the credit bureaus. It is also my understanding that Under FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), unless I have authorized The Bankruptcy Court, Trustee, XXXX, etc to furnish any information pertaining to me to any third party or CB, they can not do do. So, how has my information been verified? If they have not verified the information or can not verify such said information and send documentation as requested, it must be deleted immediately. XXXX, even basically told me that my dispute had been previously processed and they would not dispute again unless new information has been sent in. I was under the impression that they were supposed to dispute information as requested. This information is damaging to my reputation and 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 01/22/2016 about Credit card () with U.S. BANCORP (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I opened an account at International Bank of Commerce ( IBC ), XXXX XXXX the XX/XX/2015 in XXXX XXXX XXXX XXXX. I was informed that a credit card displaying the name of this bank, thru Elan Financial Sercives was mailed to my house in XXXX the next month. I did not ask nor authorize this line of credit to be opened. After speaking to the IBC I was told that I had to cancel the card, which I did before the end of the year. I reported it as fraud, and was told that reports from the credit agencies would be mailed to me. They were, to XXXX. 
I live in XXXX, I opened the bank account in XXXX, IBC has no banks in XXXX, but all this information was sent there. 
After speaking to IBC this month again, to find out why a line of credit was opened without my knowledge or authorization I was told that there are XXXX credit cards with different numbers, and presumably different lines of credit opened by Elan Financial. I have been given to case workers number who is open only the hours that I work, and after several calls has never answered my calls or returned my messages. I have no idea where the second card is, and do not know if additional lines of credit are being opened.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion failed to follow Fair Credit Action 605b and block the info that is the result of id theft. This is my 4th request and I am including the FTC Theft form completed, Police Report, Drivers License, SSN card and proof of residence! Please block the XXXX XXXX account it is a result of ID Fraud!!!!!!!! Please review all attached documents and the FTC is n't signed because its an automatic report to the police I did but the police report is included as required under FCRA Section 605b.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I first spoke with them while I was on welfare and financially unable to pay. I spoke with a women named XXXX and her supervisor, a XXXX. They stated that if I paid a part of it they would then help me to place the account in some status where they could not collect, I stated that I was going to dispute the original loan, due to the other party not upholding their side of the contract, and expalined the whole problem to them, they continued to call, sometimes as early as XXXX, they send quite a few emails and letters to my home address. I started to work, and I contacted them to let them know, and again to state that I was going to take the same legal actions other students that had taken against the school we attended, they stated they could help me dispute it, but that they would not be able to unless I paid a portion of the debit. I also stated that I was unable to recieve calls on my cellphone during my work hours as cellphones are prohibited to use at my job, they continue to call during working hours. I have tried to find a way to legally dispute the debitbut all the information I have found advises to seek legal representation, and I am financially unable to due so, I dont know what to do now. I refuse to pay any portion of the debit because I was given false statistics on graduation 's, I was given false wage amounts for the field I studied in the area I lived in, I was also not given my certification that the school had stated would be given, even though I made the XXXX 's List, due to the schools negligence in communicating with the gov't agency that awards the certificates, nor was I given a copy of my transcripts, despite repeated requests for them. I was also not informed that the credits earned at that school were not transferrable, so I cant enroll at another school, and due to being unable to prove I had attended and graduated from this program, I have not been able to work in the field I studied. The school was XXXX XXXX, part of XXXX Colleges, who have now filed for bancruptcy. I am not sure how to dispute the debit, and I have continued to call Navient and explain the situation, I have requested that they transfer me to this dept that they state they have that can assist me in dispiting the debit, but they refuse to do so unless I pay part of the debit. So, I am unsure now, what to do, or what options are available to me. I also feel it is unfair for them to have continued to charge interest among other fees during the time I was on welfare. And there is no contact information that I can find to speak directly with the school.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Upon being denied from a lender for " too many inquiries '' from my equifax report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are inquiries on my Equifax report that I DID NOT authorize and have no knowledge of. I contacted Experian immediately and was given no relief. I also have fraud alert in place now, which should avoid any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.        XXXX  -  XXXX   XXXX ,  XXXX   XXXX   -   XXXX   XXXX ,  XXXX    XXXX   -  XXXX   XXXX ,  XXXX   XXXX  -  XXXX   XXXX ,  XXXX    XXXX   XXXX  -  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  -  XXXX   XXXX ,  XXXX  is on my credit report twice on the same day   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   -  XXXX   XXXX ,  XXXX

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

Complaint: inquiries on my credit were removed and then re-added. 
I was not notified per the FCRA Section 611 law. 
these should 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 03/25/2016 about Mortgage (FHA mortgage) with Selene Finance LP (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I wish to submit a formal complaint against my lender Selene Finance XXXX. They have been a pure nightmare for me and my family since XXXX XXXX XXXX transferred my loan to them in 2013. The customer service representatives are not very helpful at all and they tend to practice lying about mailing out any information requested by me, the homeowner. I have called numerous times in regards to my loan modification process. I was misrepresented as to the timeframe of when I needed to start the loan modification process. They have intentionally not been applying my mortgage payments in a timely matter which has further placed them in a suspense account, so that I can incur late fees. They also intentionally do not send updated information to their Bankruptcy Legal department reflecting that my account is current and up to date. They have even gone as far to send back electronic checks that have already been deposited yet I have not been given credit for, nor have the money been redeposit into my bank account. I feel that I am currently being force into foreclosure. I wish to save my home, because I have a son about to go off to college and XXXX little girls under the age XXXX.I appreciate your response to this matter and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2018 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: Their investigation did not fix an error on your report

Complaint: XXXX XXXX has an item on my credit report. I attempted to dispute the item with XXXX XXXX directly, with the address that they provided on my credit report XXXX XXXX XXXX XXXX Mn XXXX. The certified letter was sent back to me, address un-deliverable. I disputed the item with TransUnion and XXXX given they have false information on my report. I sent them a copy of the letter that was returned to me. TransUnion responded saying that the item met FCRA, in which it does not as they are reporting false information about me. XXXX   stated that the item would be deleted, however it still remains as of XX/XX/18.

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 12-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: tax lien on my credit report that is not mine. 
so please remove from all XXXX credit reports. 
thank 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 01/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX SUPERIOR COURT DOES NOT HELP RESOLVING THIS ISSUE. I 'VE TRIED SEVERAL TIMES IN THE PAST YEAR AND A JUDGEMENT REMAINS ON MY CREDIT REPORT ERRONEOUSLY. XXXX IS THE NAME OF INDIVIDUAL THAT PLACED THIS ON MY REPORT. PLEASE REMOVE THIS FROM MY CREDIT REPORT. THANK YOU The piece of information that is wrong that is showing is the name 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 12-11-2015 about Credit card () with PAYPAL HOLDINGS INC. (TX).
Issue: Billing disputes

Complaint: I have a PayPal account and always have had a credit card in file, whether a XXXX or a XXXX XXXX. I also have noticed that they want to force me to use my bank account instead of a credit card. It is really difficult to find the " use my credit card '' option in the website. 
Once while purchasing online, I needed to revise my PayPal account. Suddenly, a window popped up asking me to accept a PayPal Credit card. The website did n't let me go further until I accepted the PayPal Credit Card. In addition, there was not link in small fonts saying " no thanks, take me to my account ''. After accepting the PayPal Credit I was finally able to pass that window and go to the next window to do whatever I was going to do with my account. 
It is my understanding that after that, essentially a PayPal Credit Card was issue to me. as described, I did n't have any other option but accepting the PayPal Credit Card in order to manage my account. I started receiving empty bank statements from the PayPal Credit Card office. I immediately called PayPal and cancel the PayPal Credit Card approximately on XXXX 2015. Everything was fine until recently, when I started receiving calls from PayPal demanding me to pay an item ( and interests ) that I supposedly bought online with the PayPal Credit Card. According to them these interests have been running for 6 months or more. 
I called them up and they said that I have to pay 6 month interests for an item that I bought with my PayPal account ( no with the PayPal Credit Card ). I asked the operator " how could this have happened? '' he said that the information was sent to me via email. I requested him to resend those particular emails, his answer was that by company policies he can not resend them. 
I buy many things online with the PayPal account. Now PayPal have prevented me from using the account. Also, when I go to my PayPal profile, there is not much information about this incident or anything. The information that one sees there is very simple and there is not many details about the transactions. 
I am willing to pay for the item that they allegedly say I bought with the PayPal Credit Card, but no for the interests. 

What can I do? 

Thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A lady from the debt collector phoned my father and gave him information, the phoned him a second time giving him the alleged case number on account that was closed in 2008. On that same day she phoned my mother and my ex mother in law.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Debt collection (Credit card debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 01-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Payoff process

Complaint: I called Capital One on XXXX to try to resolve an old charged off account. The account has a balance of {$4300.00} and I spoke with a representative that offered me a " Paid in Full '' Settlement for {$2700.00} to which I agreed. Capital One emailed me a settlement offer letter. I called back with a follow up question an hour later, and the representative informed me that Capital one was withdrawing the offer because I had been issued a XXXX for this debt in 2014. I would like to resolve this account for a paid in full {$0.00} balance to be reported to the credit bureaus. I have the ability to pay, but Capital One says that this debt is now uncollectable and forgiven. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: The loan servicing company Heartland ECSI is causing significant delays in the timely processing of my requests for Perkins loan deferment and/or cancellation. I have submitted the cancellation requests, along with the required documentation ; however ECSI keeps stating the documentation is not adequate. I have participating in this process for approximately 5 years now and have never had a problem with the documentation provided, nor have I ever had to submit this much documentation and additional paperwork for this until this servicer took over. 
I have provided everything that should be needed, yet this is still not resolved and ESCI is still requesting additional information.

Company response to consumer: Closed with explanation