milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo, Home preservation ; To XXXX XXXX, and XXXX XXXX and XXXX XXXX ( XXXX ) XXXX ( XXXX ) Fax : XXXX XXXX XXXX at XXXX extension XXXX To home it may concern at Wells Fargo , this is from XXXX XXXX Address is XXXX XXXX XXXX XXXX PA XXXX XXXX Partial account number is XXXX As I stated in my phone confirmation, I have done all that was asked of me and still being ignored in reference to my concern and request. The stress level concerning this matter continue to rise and affect my health. Know you tell me after I have proved your finding and your praises findings to be incorrect, You now want me to jump through more hoops to be able to get this matter corrected. When all it would take is to have your appraiser to go back and redo the appraisal the correct way, knowing full well that once he does this that the value of this property will not be as it was when done with the incorrect square footage. I am trying to work alongside of you to get this matter taken care of so that we all can move forward in this situation, But I guess you are choosing to drag it out so that you could move further along in the foreclosure process before you make another decision and have the necessary documents to be able to just force me out. 
This situation has caused me great level of stress which has also affected my health and my capability to be able to live a normal life.

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 12-02-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Bankruptcy

Complaint: The credit card company Citi Cards/Citibank will not acknowledge a debt included in a Chapter XXXX bankruptcy filing. CitiCards continues to to ignore certified letters, hire debt collection agencies and report incorrect information to credit reporting agencies. CitiCards is using a wrong account number in an effort to ignore the bankruptcy filing, continues to add interest and penalties to the debt, posted it as a Charge Off and past due of 150 days on credit reporting. Our family filed for a Chapter XXXX bankruptcy in an effort to pay our debts. We have never missed a payment and have been following the designation or repayment set out by the US Court system. However CitCards has been reporting to credit agency as if we are late by five months and have refused to pay. As mentioned, I have sent via certified letters and court documents to CitiCards in response to their unfair credit reporting and have received no response. I have sent the same information to credit report agencies and they have all declared that CitiCards information is correct. We are strapped financially and can not afford to hire an attorney. It seems that all CitiCards has to do is ignore us, there is no governing body to enforce a bankruptcy filing with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Got a letter on in   XXXX   XXXX   XXXX     from a bill collector by  Midland Credit Management stating that I owed  XXXX  back in1 XX/XX/XXXX  which they could not verify. When I asked to by whom they could  n't give me and exact person of who I owed the debt too or for what for. Also what was odd that if I did my husbands name was n't even included in this which is odd cause if for any huge amount  XXXX  as that they would have my husbands information also which they did n't they just stated it was just my  name.They the n asked me if I had been a victim of identy theft in the past which I was but do not know how they came about that information but they said that they would investigate which I did n't ask them to do. After getting off the phone with the customer reprensentative I looked into this company with the better business bureau and saw numerous complaints filed again this company about false claims and they also had a lawsuit that was filed against them.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Debt collection (Payday loan) with Roycroft Management (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Received phone call early XXXX stating that I court papers have been issued & papers will be served at my employment. Also stated that I will need to be present along with supervisor to sign papers. Has called my work place including mangers and family members several times in the day. Finally spoke with them and stated that they are collecting a debt from a previous loan from XXXX and if not paid, will include a {$6000.00} fine to pay for attorney fees. Phone number is listed at XXXX under name " Central mediation Services ''. Address listed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. When calling, I keep getting the same woman. Have already made XXXX payments in the sum of {$300.00} before realizing it was a scam and have cancelled my debit card.

Company response to consumer: Closed
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX/XXXX XXXX XXXX is appearing on my credit report wrongfully duplicated under two different account numbers.acct no XXXX and acct no XXXX are medical collection accts.Additionally, I had government insurance at the time of service.Thirdly, at the time of service, I was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These collection accounts are wrongfully appearing on my experian and XXXX credit reports.

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 06/23/2015 about Bank account or service (Savings account) with SUNTRUST BANKS, INC. (VA).
Issue: Deposits and withdrawals

Complaint: Placed on a hold on deposit funds even though they verified the funds available when I deposited XXXX checks in the savings account. I was told that even thought the funds have been verified that do to the large amount I had to wait until the XXXX until the hold expires.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
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: My current credit report lists   XXXX   XXXX   XXXX   XXXX   XXXX   as being 120 past due with 9 missed payments since   XXXX   2016 and in adverse status. I have not MISSED ONE PAYMENT. I have made 31 payments since  XXXX  of 2016 totaling {$18000.00} ( see printout from the state of CT attached ). I called the state of CT and they told me to dispute the credit report with  XXXX . I did and they still did not fix my payment history or account status. They changed the balance, but not my payment history. This mistake is probably bringing my FICO down   XXXX   points.

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 08/28/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I received an Email from PNC Bank my Mortgage Company Acct # ( XXXX ) about refinancing, I called and was going to refinance but after I hung up I check and found out that the fees they were charging were not fully disclosed so I cancelled the refinancing within 10 minutes.
A week or so after I received a letter from PNC with all the Refinance Information as well as a credit report which i did not order. Everytime someone runs a credit report on you it lowers your score. In the past XXXX XXXX issued my girlfriend a Credit Card without her knowledge and it cost her points on her score. I dont know how PNC can fix my credit score but something has to be done with these Banks doing whatever they want

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian is reporting inaccurate information on my credit report. There is a Judgment XXXX that is negatively impacting my credit. This Judgment was reported in error. The property was foreclosed and sold. Under Oregon law, XXXX Bank is prohibited from filing a judgment against me. Please see attached letters from my attorney, XXXX XXXX XXXX.This Judgement needs to be deleted from my credit file!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: Chase bank made a error and lien our property with another property 's loan and they are not responding to my complaint and I am about to lose a refinance because of their error, please read the complaint I filled with Chase. 

Reference : chase loan # XXXX Case # XXXX Case # XXXX Property address : XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX : XXXX To whom it may concern : In XXXX Chase offered to refinance this loan for a lower rate which we successfully did. 
In XXXX XXXX it was brought to our attention by XXXX that Chase Bank has a lien for collateral the neighboring house on XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX number XXXX we are in the process of refinancing XXXX XXXX XXXX with XXXX they have given us notice that they can not proceed with the refinance until Chase Bank corrects this error and removes the collateral loan from this property to the correct property and parcel number which is XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX number XXXX. 

I have sent in writing at the beginning of XXXX to Chase alerting them of this error I received a letter on XXXX XXXX that they are " researching '' this issue I have called practically every business day since then talking to multiple agents and transferred from department to department with no one offering a resolution, I have contacted first XXXX XXXX XXXX ( file # XXXX ) they have acknowledged the error but can not proceed without instructions from Chase I have exhausted all of my attempts to try to get Chase to correct their mistake I have spent endless hours on the phone I have visited the local branch in XXXX XXXX and met with XXXX XXXX XXXX relationship banker XXXX XXXX who spent 1 hour on the phone and no one has any idea how to resolve this issue. 

Time is running out where we have a rate locked in with XXXX on XXXX for the refinance, if Chase does not resolve this by XXXX XXXX, XXXX I will have no choice but to initiate a lawsuit with legal action to recover my financial losses because of the error that Chase Bank is not correcting, Chase bank has had over 30 days of notice to correct this error, only to give me the runaround and much lip service without any resolution all I get " its being researched ''!! 

If I do not hear a response for you by Monday, XXXX XXXX, XXXX I will retain an attorney to represent me and to go with the full strength of the law to recover my losses and punitive damages for my time and energy exerted in trying to correct this wrong. 
You can reach me at XXXX my cell phone or you can reply to this email address I truly hope that the Chase bank will take this matter seriously and will respond favorably and immediately, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Other financial service (Debt settlement) with Core Advisory Group, LLC (TX).
Issue: Fraud or scam

Complaint: I had contacted Core Advisory about my mortgage situation about 6 months ago. At the time, I did n't have the money to start the process as I did n't know that this company was not suppose to charge me. I then get a foreclosure sale date 4 months later and I had the funds to begin the process. Core Advisory promised me that they will " stop '' the foreclosure and force the mortgage company to give me a loan modification. I gave them {$1600.00} up front {$1500.00} for the comapny and {$120.00} for the notary that came to my home so that I can sign some papers. I also, gave the notary for Core Advisory XXXX post dated checks for XXXX, XXXX, and XXXX. I did stop the one for XXXX as my suspicions were evident. A case manager was assigned to me in which he drafted some letters for me to send via certified mail to be sent to the mortgage company, HUD, and the the local congressman. I was then assigned a " trustee agent '' in which he told me that he would investigate XXXX. He called me and told me that he was putting me on XXXX way so that I could authorize him to speak to XXXX on my behalf. The sale date was getting close and he told me if it comes to it to file for bankruptcy with a " lady '' he knows that would help me with this. Well, that day before the sale, I was on XXXX way again with him and XXXX and found out that XXXX 's paperwork was n't right and the sale date was until the following month. I tried contacting the trustee and he did answer after 2 days and when I told him that I wanted to file for bankruptcy, he said " no '' it 's better to wait. I tried contacting Core and all I get is a voicemail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-08-2017 about Debt collection (I do not know) with Professional Debt Mediation, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from PROFESSIONAL DEBT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against PROFESSIONAL DEBT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The Regional Adjustment Bureau, Incorporated (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Debt was the result of an identity fraud from a bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2016 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX has continued to include a debt of {$1700.00} by XXXX on my credit report. I check my credit report monthly. XXXX removed the debt on XXXX XXXX, XXXX through the agency DEBT RECOVERY SOLUTIONS. This debt is not mine I did not open the account and XXXX understood that. XXXX is now using the same agency, DEBT RECOVERY SOLUTIONS, however the agency and XXXX has continued to deny my monthly disputes. DEBT RECOVERY SOLUTIONS opened the account XXXX XXXX, XXXX, I disputed the debt XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. On each dispute I included that I did not have any acknowledge of the account nor whom opened the account. When I contacted DEBT RECOVERY SOLUTIONS the representative was rude to me claiming that I knew who opened the account. I asked to speak to the supervisor, she was not available but called me back later that night. When she called she was also rude telling me to contact XXXX. I am contacting the FEDERAL TRADE COMMISSION INSTEAD due to the misrepresentation of XXXX has continued to include a debt of {$1700.00} by XXXX on my credit report. I check my credit report monthly. XXXX removed the debt on XXXX XXXX, XXXX through the agency DEBT RECOVERY SOLUTIONS. This debt is not mine I did not open the account and XXXX understood that. XXXX is now using the same agency, DEBT RECOVERY SOLUTIONS, however the agency and XXXX has continued to deny my monthly disputes. DEBT RECOVERY SOLUTIONS opened the account XXXX XXXX, XXXX, I disputed the debt XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. On each dispute I included that I did not have any acknowledge of the account nor whom opened the account. When I contacted DEBT RECOVERY SOLUTIONS the representative was rude to me claiming that I knew who opened the account. I asked to speak to the supervisor, she was not available but called me back later that night. When she called she was also rude telling me to contact DEBT RECOVERY SOLUTIONS.

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 03-09-2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Currently, my account is in deferment due to my attendance in a XXXX program at XXXX XXXX XXXX University. As I am in deferment, I make periodic payments towards my loan as the Autopay is turned off and I have not been able to reestablish the Autopay service. 

To my surprise, when I was using the My Campus Loan website, I found that they are now charging me a XXXX cent fee in order to make my payments or processing fee to use my credit/debit card. In the past, I have been able to make additional principal payments and payments during deferment using my checking account for free via the website. I understand that it is recommended to use the Autopay service ( as I have in the past ) ; however, since I am in deferment, this convenience now incurs a charge and I have been instructed to deliver a check to XXXX University to make additional principal payments towards my loan. Your representative has made a note on my account to contact me when my payments are made and posted to my account which helps me feel more comfortable when making a payment directly to the University. 

My major concern in this situation is that I had not been notified of the additional fee and feel that this additional fee is further adding interest and fees to those who are in the same situation as me ( in deferment or grace period ). As this is a subsidized Perkins Loan, the servicer should not be entitled to these fees due to my loan status and I should have been notified of this change before they were made and should have been offered to send checks directly to XXXX University ( as indicated by your representative over the phone ).

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: To Whom It May Concern, On XXXX I discussed payment options with XXXX @ XXXX XXXX, XXXX XXXX and XXXX XXXX Collections. @ XXXX XXXX I discovered that there were no options to have a lower rate on my private ( signature ) loans. I had been laid off since for about two months and had Fed loans in IDR for one set and the other in {$0.00} payment for one year. 

The amount that I owed was {$190.00}. 

I called back on XX/XX/XXXX @ XXXX XXXX XXXX {$190.00} was paid. confirmation # XXXX. 

I received a call from XXXX XXXX XXXX from 30 day collections department who advised that XXXX applied my payment to a fed loan by mistake. 
XXXX @ XXXX XXXX I then spoke with XXXX XXXX from the servicing department who advised she would Reapply the XXXX to the private loans. She advised the correctio will finish XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX with other party responsible for medical bills- underinsured motorist had to take over due to other party not carrying enough coverage for my medical bills- other party at fault. My XXXX underinsured motorist policy had to take over. Medical bill of {$250.00} paid to XXXX directly. Due to suborgation with XXXX and lack of enough coverage amount, there was delay. however, this bill was paid by XXXX prior to collections but not recorded as such. Never delt with collections agency at all. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX 2017 Dear XXXX Experian/ XXXX : Please have the fraudulent account ( XXXX XXXX XXXX XXXX ) removed ; XXXX has removed it and it has been reported to the FTC. Also, the inquiries on my credit report, which I did not authorize need to be removed as well. <P/>Also, I contacted XXXX/ Experian XXXX XXXX 2017. <P/><P/><P/>Sincerely, XXXX XXXX ( 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 09/23/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Complain to Equifax : Explanation how the credit score from XXXX requested by XXXX on XXXX XXXX, 2016 reduced to XXXX requested by XXXX on XXXX XXXX, 2016. The credit score was dropped XXXX points when I have not applied or authoorized anybody to pull my credit between that period. Credit score on XXXX XXXX, 2016 from XXXX is XXXX, XXXX is XXXX and Equifax XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with EQUIFAX, INC. ().
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX sent me notice that they would remove an inaccurate account from my report and Equifax has refused to update and remove the information.

Company response to consumer: Closed with explanation