milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Using a debit or ATM card

Complaint: On XX/XX/2017 I escalated my complaint to wells Fargo corporate to inform them the claims department was refusing to investigate my claims the rep I spoke to before XXXX stated the claims department do not have to investigate my fraudulent transactions ( in other words ) and begame putting words in my mouth that was not what i said like she was conspiring to my fraudulent transactions or it was her her self which had a part in these fraudulent transactions on my 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 05/23/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with PNC Bank N.A. (IL).
Issue: Trouble during payment process

Complaint: Call ed PNC office today regardin g an issue with them using my additional {$200.00} pmt for the principal and applying it to my automatic pmt of {$280.00}, resulting in an {$83.00} draft from my bank and no additional pmt on the principal. Found out that the last {$200.00} check that I sent for the  XXXX    XXXX   pmt did arrive at the right time, had the words " apply to principal '' on the check, but they decided to apply {$170.00} to the principal and {$23.00} to the interest for no apparent reason, totally disregarding my instructions. Was told that the checks are not processed by a person so that must mean a machine is determining to disregard the instructions and they are taking money that was designated for the principal and applying it for the interest, I assume, to accelerate their interest pmt and decrease my principal pmt. Had I not caught this, in 5 years, when the loan is due in full, I would have not owed the actual amount that I should have, had they applied the money correctly. I was then told to insure that they money is actually applied to the principal, that I have to go to a branch office and physically watch the loan office apply the amount correctly.   I can o nly imagine how many pe ople are being affected by this scam and have no idea that not all of their additional money is applied to the principal as instructed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have already sent a copy of the letter I received from XXXX XXXX requesting the credit bureaus to re-add the tradeline that was mistakenly removed, back to my credit report. It still has not been updated. The credit bureaus take no delay in reporting incorrect or damaging information to a consumers report, but takes all the time in the world to fix a problem or update positive information to a consumers report. Please be advised : According to the Fair Credit Reporting Act, I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my good pay history with XXXX XXXX be added as soon as possible. The account has been open since XXXX 2017. 

I have attached paperwork proving that the account should be reported under my social security number for your review. 

I understand that, A consumers credit report should reflect completeness and accuracy within a reasonable time after notification by the consumer. I look forward to receiving an updated copy of my credit report reflecting this change.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: A few months after Ocwen took over the servicing of our mortgage in early 2012, I began receiving junk mail ( mostly credit card offers ) in the mail almost daily. Ocwen is the only account I have that still includes my ex-husbands name on it, so it was n't hard to figure out who was sharing our information as every letter is address to XXXX us. I opted out by mail AND fax every chance I had when presented with the option, but the junk mail continues to pour in to this day. It 's a terrible waste of resources and needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Upon refinancing my mortgage, the servicer incorrectly reported it as a short sale. It was always paid as agreed, never late, and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Since XX/XX/XXXX I have persistently been in disputes with Experian, XXXX, and XXXX along with XXXX XXXX XXXX in regards to reporting an invalidated account.Every month since initial contact in XX/XX/XXXX all three credit bureaus states that " they '' have verified the debt. This is impossible! Reason being is that I have sent certified letters to XXXX to fully comply with a validation of debt in the amount of {$1400.00} and also just because this account is damaging my credit file, I have requested twice by letter for a settlement. Till this day, XXXX has ignored all my letters and only respond by telling me that they purchase this account following by billing statements dated from XX/XX/XXXX with balance of {$3300.00} to XX/XX/XXXX with a balance of {$4200.00}. This week I have sent all three credit bureaus an online dispute for immediate removal due to the fact that XXXX is in violation of the Fair Debt Collection Practices and that they have FAILED to submit specific supporting documents as requested by consumer such as ; signed contract, payment history, proof of purchase from original creditor, etc. Secondly, it is absolutely unfair for XXXX and the credit bureaus to continue to report this collection after numerous attempts to settle have been made and the request for validation has not been validated! Either agree to settle Or STOP REPORTING!! It is so obvious that XXXX will not and can not validate this debt lawfully so the credit bureaus must delete immediately! Additionally, if the last billing statement balance is {$4000.00}, then how and why are you reporting {$1400.00}? Where 's the payment history? Where did this amount come from? Again, how did the credit bureaus validate this amount? Answer is, the credit bureaus did NOT investigate properly and reporting illegally. Enclose I am attaching all letters sent to XXXX and the letter and billing statements they sent me. Please accept this as burden of proof that I have done all that I know to do in efforts to resolve this matter as it has crucially affected my ability to show creditworthiness to other potential creditors and has exhausted me physically and mentally.

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 08/23/2017 about Debt collection (Medical debt) with EQUIFAX, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I filed a dispute with Equifax informing them that there was an account on my credit report that did not belong to me and that I wanted them to research it to verify that the account was indeed mine. I received a letter from Equifax dated XX/XX/XXXX Confirmation # XXXX stating that they researched the account and that the account has been deleted off of my credit report, which it was Recently I was checking my credit scores and noticed a drop in my credit score by over 100 points with Equifax then I noticed that they have put the account that they had originally researched and deleted from my account back on my credit report. On XX/XX/XXXX I called and talked to somebody about this matter and they told me that they would remove the account once again and that it would take approximately 2 weeks. On XX/XX/XXXX I checked my credit report again and the account is still remains in my credit report. On XX/XX/XXXX, the same day I send Equifax via fax and USPS mail a copy of the letter that was sent to me but they have to remove the account from my credit report. I want this account removed from my credit report immediately. According to the letter they sent me on XX/XX/XXXX they researched the account and obviously could not verify it so they deleted it from my credit report. Why did they put it back on there? And why wo n't they take if off " AGAIN '' after assuring me it would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Acting upon an email flyer to apply for a HELOC or HE Loan from Capital One ( I have a small savings account with them from the days when ING Direct was bought by them ), I applied. It has been almost a year since I had refinanced my XXXX mortgage and HELOC into a single mortgage with XXXX XXXX, and I was seeking to tap some of the equity in house and property appreciation and payments made to cover some upcoming expenses and some minor but needed house maintenance. I live in an area that appreciates well and am not a serial refinancer, so I asked for $ XXXX, which would take me up to what I thought would be 80 % LTV though I was okay with a somewhat smaller number if the appraisal did n't match up with my own research. ( This research said my best value would be $ XXXX. ) I earn $ XXXX per year and have a FICO score in the low-to-mid XXXX, so I thought this would work out to a useful conclusion with minimal closing costs. 

A few weeks ago, Capital One pulled the plus on its entire mortgage unit, but did not inform applicants until weeks later ( though news releases were done contemporaneously ). Just before this action, the appraiser hired by Capital One came out and came up with an appraisal completely at odds with all of my research ( which included a house down the street that sold 6 months ago and a market study provided me a year ago by a friend who is a real estate broker ), as well as the appraisal done at the beginning of this year by XXXX as part of the refinancing mentioned earlier. And, I do n't mean a less than expected result, but a result that was SIGNIFICANTLY less than any of these other data points. I complained, and sent in these other data points, but was told that the shutdown meant that no more appraisals would be done. As of today, they have turned down the loan, even though the mortgage specialist to whom I was talking assured me repeatedly that this would not happen and that all applications already in the pipeline would be fully processed out. 

It is apparent to me now that the appraisal, which is WELL outside the bounds of what could be expected, was engineered to support this result. So, I expect that many - if not all - applicants already in the Capital One pipeline can be denied to go along with the closure of the unit. It already has been very difficult to get ahold of folks at the call center, which I 'm sure is already being disbanded, so there is no point in seeking further relief from Capital One. Hence, I 'm filing this complaint, and trying elsewhere. 

The Mortgage Specialist was XXXX XXXX at XXXXXXXXXXXX and XXXX ext XXXX and fax XXXX. Here NMLS # is XXXX. The Appraiser is XXXX XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Debt collection (I do not know) with ARS National Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid ARS National Services Inc.XXXX and XXXX was to be forgiven. I paid ARS which is the collection agency for XXXX. I paid settlement amount of XXXX and they were to report a XXXX balance to all XXXX credit reporting agencies which they never did. They still expect me to pay XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Debt collection (Medical) with Choice Recovery, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX placed emergency room services on my credit report, however on XX/XX/2016 I reached out to XXXX regarding the payment they accepted from my insurance also the company they reported the invalid debt to. XXXX claimed they never sent anything to the credit collection company because the claim was paid well within the timefram after services were rendered ( timely filing, and payment was collected ). I sent this company the EOB as requested from the XXXX showing XXXX was paid and they were just lying about not placing the debt in their office. This company sent me a letter in the mail stating the debt has been validated. At this point I will contact my insurance company to have all claims paid to XXXX reversed due to the integrity of this establishment they have placed the whole debt on my credit for all services in full, however they gladly cashed a insurance check which is also fraudulent who did they take my insurance payment for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My daughter used my name to get XXXX and then they moved and I was not aware it was still in my name. Today is the first day I have seen this bill at all. XXXX/XXXX/2015 My daughter is XXXX XXXX and she is XXXX and on social security XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Mission Financial Services Corporation (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I picked up a XXXX in XXXX Ga XXXX. The truck was a lemon. The truck made it back to XXXX and quit. I had a mechanic look at the vehicle. He stated the vehicle was a lemon and It would not haul any load because the vehicle reconditioned. The truck broke down and was towed to wrecking yard at XXXX request. I received a check from insurance company in which I then gave to XXXX 's for {XXXX} I had this vehicle one day which the law allows for 30 day I believe in state of Texas. However how is it that I owe XXXX on vehicle the insurance only paid half. The account does not belong to me but it belongs to XXXX 's XXXX and the trucking company they guided me to.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ideal Collection Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Between XXXX of XXXX and the end of XXXX I lived at XXXX XXXX XXXX XXXX XXXX on a lease with their community leasing center where I handed off the apartment in the same ( good ) condition I received it since the leasing center offered me to continue someone else 's lease who was leaving the country and indicated I did not need to provide a security deposit since the leaser before me had already given XXXX. During this two and a half years rent was paid on time every single month. 
At the time of leaving ( ending the lease ) I handed them the apartment in the same good conditions which was received by the leasing administration without a problem with both parties consensus. I never received phone or written communication from them or any representative to indicate something was pending, not even when I left the apartment and they indicated everything was fine and that they were comfortable with the condition of the apartment. Nothing pending was claimed at the time of giving the administration the keys of the apartment. 
A few days ago I noticed in my credit report that I owe {$1000.00} XXXX to IDEAL COLLECTION SERVICE and that there was a debt originally from XXXX XXXX AT XXXX so I communicated with them right away to understand what was going on and asked for details about it. After several tries ( calls and emails ) they replied to me indicating I had to deal directly with the collections office. Ideal Collection Services sent me a vague description of what was claimed to be the charges without any proper documentation supporting these false claims. None of these charges were mentioned when the end lease agreement was signed and it is strange how after the apartment was received in good conditions after 6 years I hear about these charges for the first time. 
Given the irregular situation, I request through you, suspend this irregularity on my credit report which affects me and to properly request documentation supporting this claim to the collections office where the debt is currently held with the " check out '' agreement that was signed when the administration received the apartment keys indication clearly that there is a payment or repair pending on my side. Additionally a copy of the attempts to reach me to communicate said pending charges since I have not receive any communication from XXXX or the collection office at all at this moment and were denied to me when asked for it to XXXX and later to the collection office where they provided a vague letter without any details or backup of said pending charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Debt collection (Auto) with Duncan Solutions, lnc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a XXXX tickets in XX/XX/XXXX that was captured by a camera. I am in the military and I am always on the move. The only way I found out was when it showed up on my credit report as a collection account on XX/XX/XXXX. I had no knowledge of any debt before it went to collection and showed up on my XXXX report. I had no chance to contest my ticket, let alone pay it. Before this, my score was consistently above XXXX FICO

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 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: Problem with personal statement of dispute

Complaint: I have disputed my loans several times, have been sent to late payment status and my credit score is being affected. I did take out student Loan but school I attended was closed due to fraud. I am no longer available to transfer credits or finish course

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Problem with fraud alerts or security freezes

Complaint: ****REMOVE THE CONSUMER STATEMENT AND FRAUD ALERT IMMEDIATELY! **** Is this a coordinated attack from XXXX XXXX, XXXX, XXXX and Equifax or simply the results of a reckless atmosphere within the credit reporting agencies and towards requirements/laws Congress has clearly stipulated. 

XXXX, Equifax and XXXX have blatantly committed fraud by adding a consumer statement and 90 day fraud alert on my credit reports, implying it was done at my request, particularly in light of the fact, I had clearly requested to remove all consumer statement and NOT add any additional consumer statements just 10 days ago. 

Summary of Facts : I have been trying to close on a {$600000.00} mortgage since XX/XX/XXXX ( see attached ; inquiry from XXXX XXXX ) and must close by XX/XX/XXXX, otherwise suffer a large financial lose. They will not close with any consumer statement on my credit report. 

On XX/XX/XXXX, I filed a dispute and clearly requested the removal of all consumer statements and that I did not want any CONSUMER STATEMENTS reported in the near future. See case # XXXX XXXX Here is the exact wording : RE :  XXXX XXXX XXXX Credit Card acct # XXXX x FRAUD! I have no idea what the XXXX is going on. I have a XXXX XXXX Credit Card with a credit limit under {$1000.00}, which I have not used in years. 

*irreversible harm and damages is certain within weeks from today if no action is taken promptly, as the timing of these most recent updates to my credit report could not have come at a worst time. 

*Also ; I DO NOT WANT ANY CONSUMER STATEMENT ADDED TO MY CREDIT REPORT AT THIS TIME AS A CONSUMER STATEMENT WILL ALSO HARM ME. I SIMPLY WANT THE NEGATIVE INFORMATION SYNCB RECENTLY REPORTED REMOVED ( THIS CAN BE A TEMPORARY REMOVAL AS I AM HIGHLY CONFIDENT ANY INVESTIGATION WILL CONFIRM MY CLAIMS AND CONCLUDE FINAL REMOVAL. 

However, I was shocked and bewildered that XXXX, Equifax and XXXX   went ahead and placed a consumer statement along with a 90-day fraud alert onto my credit reports without my knowledge and request. 

I am assuming the credit bureaus will Likely attempt to use my complaint in case # XXXX XXXX as their reason. If that is true, it is further proof XXXX, XXXX and Equifax do NOT properly read and investigate claims of disputes. Nowhere in that dispute did i request or even hint to add a fraud alert or consumer statement. 

WHY? The fraud I disputed on case # XXXX XXXX took place three ( 3 ) years ago. It is clearly written in the dispute. Further I have ID theft protection through XXXX and a membership with XXXX who claims to monitor and safe guard me from ID theft along with a XXXX dollar insurance policy to cover any cost. Therefore I am in no need of a consumer statement or fraud alert. 

PLEASE remove the consumer statement and fraud alert immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2015 about Mortgage (VA mortgage) with Pacific Union Financial, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX 2014 I refinanced my VA loan with a VA IRRRL with Pacific Union Financial - however instead of my interest rate going down it went up. The lender then discovered they could not insure the loan with VA, so the made me refinance, although they fired me XXXX 2014. They could not refinance me until XXXX, so they held the loan in their portfolio - and made us pay the higher interest for those 8 mos. In XXXX they paid my escrow from the old loan, collected escrow funds on the HUD and I 've been paying monthly escrow. My current escrow balance is over {$10000.00} ( my RE taxes are only {$6500.00} annually ). The escrow balance from the old loan was applied to new loan.. and I can not get Pacific Union to release the extra funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation