milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Trouble during payment process

Complaint: We have been paying our current mortgage after the refinance since XX/XX/XXXX with no late or default, however our original house appraisal was done in XXXX for the amount of XXXX ( during the purchase ), and the original loan for XXXX. Wells Fargo Mortgage is now saying to remove PMI from our loan we would have to pay off over 159,000 dollars ( current balance is XXXX dollars and an estimated value of over 370,000 dollars ). They have stated today that they have no appraisal on file. The Wells Fargo representative also stated that we would have to spend XXXX dollars to have a new appraisal done on the house by one of their representatives, and to dispute this we would have to have 2 other appraisals done by 3rd party licensed appraisers, which they may still not accept ( all in all over {$1500.00} ). We live on a 2 acre property in an area where land sales are going for over $ 40-50K/acre and I know for a fact that similar real estate in this area has sold for well over the $ 375K-400K mark. I do not trust Wells Fargo to do an honest and accurate appraisal, as it is to their best interest to keep the property value low, however I'm not in a position to pay over 1500 dollars to pay for all three appraisals only to have them turn over the appraisal and call what they have done accurate. 

Please help.

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 09/14/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 'm having a difficult time understanding how I can send physical proof that they are reporting these accounts inaccurately and illegally and nothing is done. I am also making complaints with the attorney general because this is absolute willful negligence on their behalf. I do n't care that they have to do 10 disputes an hour ; that 's NOT my problem. They are required to do a full investigation and they do not even have the information in their files so because I am sending the proof that they are in violation, these items must be removed immediately. Refer to my credit report to see the way they are reporting this : XXXX XXXX XXXX The date XX/XX/XXXX does not exist A bankruptcy must be reported as a bankruptcy and not as a " XXXX XXXX '' Liability amount " XXXX '' is not valid XXXX is not the correct accurate Court must be listed with the city and state XXXX XXXX The date " XX/XX/XXXX '' does not exist A bankruptcy must be reported as a bankruptcy and not as a " XXXX XXXX '' Liability amount " XXXX '' is not valid XXXX is not the correct accurate Court must be listed with the city and state XXXX XXXX The date " XX/XX/XXXX '' does not exist A bankruptcy must be reported as a bankruptcy and not as a " XXXX XXXX '' Liability amount " XXXX '' is not valid XXXX is not the correct accurate Court must be listed with the city and state

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Transaction issue

Complaint: my wife and her friend traveled to XXXX, i obtained a bank of america travel rewards visa card with no international fees, i called the bank befour travel date informed of our travel plans so that i would not have any isues. sure enough first purchase the card is declined and being in a high end luxury fir store we are surounded by security cause they think its a stolen card??!! 5 phone calls to bank of america later and 5 humiliating trips bak to store nothing!!!!! so now my wife has no creditcard and limited cash!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received this letter from XXXX/Transworld System continuously, and they claimed that I owned them a XXXX USD debt + XXXX collection fee. 

It might be a part of a duty generated in XX/XX/XXXX, but I did n't import any goods from outside USA. A guy from IL ask me to pay a bill for him because he do n't have a credit card. 
These goods were transported to his place directly, and I did n't know he was importing thing from the XXXX. Now I ca n't contact with him, and I do n't have money to pay the debt ( I 'm already in bankrupt and I do n't have any income ). 

The invoice num of these debt : XXXX The add of the guy who should own these debt XXXX, IL XXXX The phone number of him : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I previously disputed an item appearing on my credit report as identity theft. Experian has not gone through the proper steps of validating the alleged debt. I have been a victim of identity theft and this account is not mine. I have previously provided a police report and have attached it again. I have also attached an identity theft affidavit. 

The disputed account is : XXXX XXXX - Acct # XXXX .... 

I have sent a previous complaint to you from CFPB, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that this account is inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the item properly. My previous letter -- from CFPB -- stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX XXXX, TX for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2017 about Payday loan, title loan, or personal loan (Installment loan) with Enova International, Inc. (PA).
Issue: Charged fees or interest you didn't expect

Complaint: I spoke with a  XXXX  on  XXXX   XXXX   XXXX  and I advised that I would like to reduce interest rate to 6 % covered under the SCRA guidelines. I emailed a copy of my   XXXX   XXXX   XXXX   XXXX   XXXX   which has an effective date of  XX/XX/XXXX  through  XX/XX/XXXX , however I am converting to   XXXX   XXXX   XXXX   effective  XX/XX/XXXX  through  XX/XX/XXXX  because I will be deploying overseas. I received an email from the company stating that I did n't qualify under the SCRA guidelines because I obtained the loan on  XX/XX/XXXX . I explained to them I 'm covered under the act because I will be   XXXX   XXXX   XXXX   XXXX   XXXX   effective  XX/XX/XXXX . I spoke with a resprentative today and she said she would re-open the request however she stated that they did acknowledge my   XXXX    XXXX  dates and still stated I did n't qualify. Upon further review of my contract they have me paying 93.22 % per year on a {$6400.00} loan. I have been paying {$480.00} a month. I originally obtained this loan because of the financial difficulties I was dealing with after my separation from my spouse. According to the ridiculous contract I will pay off this loan on  XXXX   XXXX   XXXX  paying them a total of {$22000.00}. That just is n't right and they even said in the email that I was not covered under The  Military Lending Act as  well. I 'm getting ready for my  XX/XX/XXXX  XXXX  XX/XX/XXXX and this loan is  XX/XX/XXXX me out.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I called and spoke with debt collection company I told them what i was willing to pay. They would not agree, I said i will look to make an agreement with the next debt collection company then. The manager said ok and the company continues to call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Application, originator, mortgage broker

Complaint: Loan # XXXXConcerning appeal dated XXXX XXXX, 2015. ( Included ) to Nationstar Customer relation. 
Letter of response attached. They will get back to me no later than XXXX XXXX 2015. 
As of today, I have no response from you. On XXXX XXXX I got a notice of default ( included in this package ) with absolutely no explanation about my loan modification or my appeal. 
I have tried to contact my new point of contact XXXX XXXX, but the phone # given XXXX XXXX tells me call another ph # which takes me to someone abroad. I call this number a few times but I can not understand them because of their strong accent and ask them to transfer me to my point of contact in the XXXX. But they said, they can not do that but I can try calling again and maybe someone in the XXXX will pick up the call. So far I was not able to contact anyone in the XXXX about my loan modification. Except for someone name XXXX in the foreclosure department. She said, my option would be to short sale or deed in lieu and she can help me with that. I asked her to give me the ph # for my point of contact, but when I called the new # XXXX XXXX XXXX, the message says this is no longer a working #. It appears that all communication has been taken away and I have no choice but to sign my property over or allow them to foreclose. Previously, ( I had XXXX other point of contacts since I have started this loan modification with nationstar, and XXXX out of the XXXX, I was able to communicate with them through emails. This process works well until they change to another point of contact and then, no communication until I file a complaint. 
Now they are forcing me to foreclose or sign a deed in lieu. They will not communicate with me and fail to properly address the at hand. PLEASE HELP ME. GUIDE ME TO SOMEONE THAT CAN REALLY HELP IN THIS MATTER. 
Thank you very muchXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2017 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: Account status incorrect

Complaint: This account is reported late payment on all my credit bureaus I paid this car on time never late for 2 years.i then only had 2 payments left which was about {$850.00} I traded the car in with the same dealership I got the car from and was told the check toward the credit company   XXXX   XXXX    will be sent next day and paid off. I signed for a new vehicle and drove off. I called every few. Days to make sure everything was paid off and was told it will be handled that day.. 2 weeks went by and was told it was sent off ... I later found out I had a late payment on my credit report .. I have tried to dispute this for a year now. This is not my fault I believe!! I even told the dealer and they said you can easily dispute this As you see on attached file, it was closed " PAID '' off in XX/XX/XXXX  so it only makes sense of my issue I also need this to state PAID NOT CLOSED!!! I paid 2 years to pay this account off

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 05-01-2015 about Debt collection (I do not know) with Navient Solutions, LLC. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Gila Corp have been calling my home number on a daily basis for the past 2 years. They leave automated messages concerning a debt. They do not advise what it is only a number asking me to call them back. I did return their call but I got nowhere. They continue to call which is giving me emotional distress. If I owe someone money they should send me an invoice or statement and if it 's correct I will pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I opened credit charge account with XXXX XXXX since XX/XX/XXXX. In XX/XX/XXXX I made a purchase with XXXX XXXX XXXX XXXX in the amount of XXXX and received promotional rate with 0 APR for 12 months. They offered me deferred interest for 12 months if I paid my purchases in full by the end.. My promotional purchase expired on XX/XX/XXXX. By that time I paid my balance by 50 percent and my ending balance was XXXX. On XX/XX/XXXX XXXX XXXX   charged me deferred interest to my original balance of purchase in the amount of XXXX. I was not aware that creditor charges interest to the original balance of my purchase regardless what amount has been paid off. They charged me 29.99 percent APR which is ridiculously high and almost doubled my ending balance. As of XX/XX/XXXX my new balance was XXXX. I contacted XXXX XXXX and asked them to reduce my deferred interest since half of original balance has been paid already by the end of promotional rate. They advised me that if I pay my balance within 30 days, then the deferred interest will be removed. I made two additional payments during billing period to reduce my ending balance as much as possible. However creditor applied only one of my payments to my XX/XX/XXXX statement and charged me additional interest in the amount of XXXX. I contacted XXXX XXXX again and asked them why they did not apply my 2nd payment to my statement. They stated because the statement was generated before they received my 2nd payment. They did this in purpose in order to charge me more interest. This is deceptive billing practice from XXXX XXXX and they stated they are unable to adjust interest since they have to follow Federal regulations and I signed a legal contract with them. I feel that XXXX XXXX disrespects their customers and they charge a high interest after promotional rate expired because of their deceptive billing practices and deferred interest policy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/26/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Closing on a mortgage

Complaint: My wife and I applied for a Home Equity Loan with Bank of America to pay off some debts, credit cards, department cards and auto loans.The loan process started approximately at the start of XXXX XXXX. My wife talked to XXXX XXXX at XXXX ext XXXX email : XXXXXXXXXXXX. We received an email on XXXX XXXX XXXX to review Loan Documents, which are new documents related to the mortgage loan application are now available Bank of America online in the Home Loan for our review. XXXX sent us an email on XXXX XXXX explaining us what we need to provide them to start the loan process. Which documents was provide. They are as listed ; One month of paystubs, W2 's XXXX & XXXX, a letter explaining them a credit was run from XXXX on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX, from XXXX on XXXX/XXXX/XXXX ' How long we lived at the previous address, why we were delinquent on payments from certain credt cards, some accounts that were place on collection. Then on XXXX XXXX we recived a Conditional Loan Approva from XXXX XXXX @ XXXX email : XXXX. Then approximately on XXXX XXXX my wife received a call from XXXX XXXX and letting us know we must close out credit card department cards cards in order for Bank of America will pay off the close accounts except the auto loans which they also be paid off. So we had a conference call from to verify the credit cards and department cards are closed. Once we closed the accounts and they were verify by a representative from XXXX we were promise the loan will be closed on XXXX XXXX XXXX. A few days later we received a Notice of Action Taken letter via mail dated XXXX XXXX XXXX which is telling us we were denied on the loan. We were told from XXXX the loan will close on XXXX XXXX and she now tells us we were denied on the loan because we applied for other credit card accounts, which we have never did. We were told not to apply so we can get approval on our loan. We have left numerous emails and phone message on XXXX XXXX XXXX to XXXX. On XXXX XXXX XXXX we talked to her so Bank of America can provide us some proof when and where we applied for credit. She responded that there is nothing they can do and they are not liable. Now our credit scores were about over 650 now they are at XXXX. Since we closed the accounts and Bank of America did not pay the loans they promise, we have been receiving phones calls every day from the creditors when we will pay off the accounts.

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 12/26/2016 about Bank account or service (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (UT).
Issue: Account opening, closing, or management

Complaint: Signed up for BMO Harris checking account on XXXX/XXXX/16 with {$200.00} signup bonus. I 've met the terms of the bonus and have contacted BMO with the promocode ( XXXX ) I had used to signup for the account. Another month has passed with no resolution. It has been over 120 days now since I opened the account. I 'd like to bring this to closure.

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 12/13/2016 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (ME).
Issue: Loan servicing, payments, escrow account

Complaint: In regards to complaint # XXXX, you have a person, to whom has no bearings on the account in question. The letter dated XX/XX/2016, from Chase, is addressed to a person whom has never had any ties to the account, whatsoever. This is apparently an attempt by Chase to delay responding to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} COLL {$200.00} - {$200.00} - - - COLLECTION XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, 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 10-05-2017 about Debt collection (Other debt) with GC Services Limited Partnership (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Hi, I have a XXXX account that was a moved to a business account and was never notified that the final bill was due and was finalized after receiving devices. I never received one notification or warned that this was going to be sent to collection. I returned my devices as soon as the account was closed to a local XXXX department and chatted and called XXXX constantly to get the amount paid off. I even logged in to find my balance but the account was deactivated as the account had been closed. Every time I had to reset my password, the account information was not existance on the account. I have been on an automatic payment plan monthly with XXXX. I then saw the negative mark on my credit score and did n't even know it was XXXX till I had my loan officer send me what it was for. I called XXXX to explain my ordeal on a personal account, they pulled up my number and continue to tell me that I had a XXXX balance, I have a case number for it. They continuously tell me to wait for the final bill and I will be okay as it 's still XXXX and I can't-do anything about it now. I finally get to an account supervisor and she tells me to just do n't worry about it and they have told collections that this should n't have been sent to collections and my balance is in fact XXXX. Then I get so confused because it 's not off my record, and give them my actual account number, which they should have seen in their system instead of continuously telling me it 's XXXX. I then call business number and told me that I have to deal with it through collections now. I then Call GC services and explained to them the situation and that I did not receive any kind of letter or notification of collection and already have paid XXXX. Collections verified it with XXXX account that it has a XXXX  balance, that I already paid it. I should have been notified by XXXX with a phone call the least, after paying them over thousands of dollars for service that they received my phone and that this is a final bill. I did not. GC also should have contacted me by letter and I still have not received anything to dispute the claim that I was notified about the bill.

Company response to consumer: Closed with explanation