milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-09-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: I  XXXX   XXXX  files a dispute with the Consumer Financial Protection Bureau to request a review that my rights to a mortgage modification be protected. For approximately one year I had an attorney file two Chapter  XXXX  bankruptcy petitions on my behalf, when all along I could have been protected by the expanded Fair Debt Collection Practices Act of  XXXX   XXXX ,   XXXX  . There was no reason for me to be personally injured as far as my credit standing goes, since a mortgage modification would have been so easy to accomplish. For this reason, I want  Wells Fargo Home Mortgage on notice that I will be submitting a full modification package, requesting principal reduction and a placement of back interest to be applied on the back end of my mortgage. Since I will be request a modification package, I request that Wells Fargo Home Mortgage respect my rights and maintain a hold on any foreclosure notices as mandated by the Fair Debt Collection Practices Act. Accordingly, I place this notice so that the Wells Fargo Home Mortgage division is aware of the seriousn ess in my modification request.

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 12/15/2017 about Debt collection (Other debt) with Midwest Recovery Systems (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Upon checking my credit report across all three CRAs post-chapter XXXX bankruptcy filing, this company continues to report an account from XXXX as open and derogatory. They were listed and included on the creditor XXXX at the time of filing which was XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: court financial record- judgment was {$950.00} and paid. Person awarded judgment works for county and abused his position by filing incorrect amount with State having full knowledge Judgment was paid in full. XXXX, Please remove from my credit report as it is an error not only in amount but that 's judgment is satisfied.

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 12/14/2017 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: Their investigation did not fix an error on your report

Complaint: On XXXX XXXX, XXXX, I sent the attached Certified Letter to Equifax. Per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Equifax is required by Federal law upon request through PHYSICAL VERIFICATION of the original signed contract any and ALL accounts on my credit report or they must be deleted.

I did not receive any PHYSICAL VERIFICATION proof of any of the accounts on the attached document and the accounts are still on my credit report, which means my request was completely ignored. This can not be completed by using XXXX XXXX is NOT PHYSICAL VERIFIABLE signed contract by me.

These accounts must be removed per FEDERAL LAW FCRA Section 609 ( a ) ( 1 ) ( A ).

I am again requesting PHYSICAL VERIFIABLE proof or the accounts must be removed immediately and NOT verified by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Credit card () with ONEMAIN FINANCIAL HOLDINGS, LLC. (CT).
Issue: Billing disputes

Complaint: After many years with XXXX with a {$14000.00} line of credit that was paid off many times.The loan payment was dependent on the amount i borrowed, sometimes the payment was {$100.00} but as much as {$270.00}. I ran into problems in XX/XX/XXXX due to the economy. I struggled and pulled through. Although, XXXX did not and sold of my liabilities to Springleaf. I was paying Springleaf {$280.00} monthly. The principal never moved and was always at the same amount or increased. As things got better I paid on time more often. Although my loan never really was paid down. The amount i paid over time has totaled XXXX times since XX/XX/XXXX. I then paid off {$10000.00} and brought the line of credit down to a manageable {$4000.00}. I received my next bill without a change in payments. I called Springleaf and they did not have an answer although my contract states principal paydowm should be XXXX % of total. not some made up amount Springleaf wants. The line of credit should be {$130.00} per month with a {$4000.00} balance. This includes principal and interest. They made money on me and now that i am able to repay things Springleaf is trying to squeeze me. I spoke with a manager that had no idea what she was doing. I am easy going and she was polite. She still had no idea how to come up with the calculation. I hope you can help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have attempted more than  10 time s thru the last year to get my credit reports from all  XXXX  credit agencies aND everytime I 'm told there is n't enough information to verify I am who I am. I 've gotten a report many other years with the same information so i feel I 'm being denied my reports wrongfully. The only thing that 's changed within the last year is a new adress. I 've lived here a year though. Get  S.S.I disability at this adress, goverment assistance at this adress, pay bills in my name at this adress,  ext ext so there is NO way they ca n't have this adress. I 've even filed a complaint directly with annual credit reporto but never received a response. I 'm trying to build credit to buy a house yet have been  XXXX  walled for a year. I bet if I PAYED for a report my information would be enough Then. I feel they are breaking the law. Is there some lawsuit I can file about discrimination against people with disabilitys. I am at a loss to what to do to get my 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 07/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Unknown account listed on my credit file which I disputed and no response. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Prepaid card (General purpose card) with PAYPAL HOLDINGS INC. (MS).
Issue: Managing, opening, or closing account

Complaint: I have XXXX PayPal accounts. PayPal restricted both accounts on XXXX XXXX, 2014. They were very difficult to reach. When I did reach them, they asked me to send them some information, which I promptly faxed to them. I called them once again, and they told me they would release my money in 6 months. While I was extremely unhappy about them essentially stealing my money for 6 months, I decided to wait ti out. Now, it 's been more than 6 months, and PayPal will not give me my money. 

XXXX account is XXXXXXXXXXXX. I has {$830.00} in it. The other account is XXXXXXXXXXXX. It has {$40.00} in it. 

I would greatly appreciate your assistance in getting my money back. 

Thank you, XXXX XXXX

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 03/21/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Credit decision / Underwriting

Complaint: We have paid Our current mortgage on time for the past year. They refuse to report our good credit payment history to the credit bureaus ; However if we are late or if there was a problem they will report us for having bad credit! This has cost us the ability to be able to refinance a new loan because we have no positive payment history. The manager XXXX ( XXXX XXXX ) from Ditech has informed us that because of their contract with their parent company XXXX XXXX home mortgage they 're not allowed to report any good credit from the mortgages they acquired from the old company. We were advised by our state representative to file a complaint through your agency ... This situation is completely unheard of by everyone including the company we 're trying to refinance with, our lawyer or our state representative. The mortgage broker who was in the process of getting as approved for are refinancing has advised us he believes that we are the victims of a predatory loan or some type of illegal behavior on the part of our current mortgage holder.. We can think of no other reason for the mortgage company to withhold our positive payment history other than to force us to stay with their company and not allow us to receive a new loan that would save us thousands of dollars on a new interest rate. This is completely unheard of is very unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: According to my XXXX XXXX, XXXX credit reports, TD Bank/Target card is still reporting to XXXX & XXXX negatively. They have updated the payment status of my account on XX/XX/XXXX as " Late & bad debt placed for collection & skip ''. This account was paid XXXX XXXX. For the months of XXXX through XXXX payment history is being reported as " Failed to Pay ''. This information is Inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (DC).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: I filed an return protection claim for an external computer trackpad after the merchant refused to take it back because I was past the 30 day return period. I mailed it to Citi Card Benefits Administration/ XXXX   XXXX XXXX using the prepaid label that they gave to me. According to the company, it arrived cracked, therefore it was damaged in transit ( I mailed it in new condition ). I asked the company to either make and exception for the damage in transit or to send it back to me. The company said it would send it back to me via XXXX ( tracking number XXXX ). However, the package has not shipped in over two months and after I have called the company multiple times no one can seem to tell me whats going on and the supervisor refuses to return my calls. 
Claim : 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 non-monetary relief
Consumer complaint received 11/21/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: It is listed on my credit report on Equifax that XXXX XXXX ( XXXX XXXX ) as a current open account and not being paid. I have disputed this issue repeatedly with Equifax , Equifax stated that if it does not state XXXX XXXX in the bankruptcy papers, then they will not list the debt as included in BK. Per. Chapter XXXX bankruptcy it does n't matter if the debt is listed by original creditor, or the creditor that bought account, or turned over to another collection agency, the debt still must be noted per. United states Bankruptcy court that they debt is being discharged through chapter XXXX bankruptcy. Equifax states that if it does not state original debt then they do not have to acknowledge that the debt is included in chapter XXXX bankruptcy. They continue add on my credit report that XXXX XXXX is open and never paid even though it is under the most recent credit that handled the account for recovery for XXXX XXXX is listed by that creditor under chapter XXXX bk documentation. Also the date since the account was listed when I filed a rebuttal was XX/XX/XXXX, when I called they then update it XX/XX/XXXX for XX/XX/XXXX. That is illegal, and a lie, they debt has been listed on my credit file since XX/XX/XXXX. Plus this account is listed under the recovery service at the time the chapter XXXX was filed, they refuse to acknowledge or even note on this XXXX bill listed as ( XXXX ) that this account is old, and also listed in my chapter XXXX bk, and should not be in open unpaid debt. I have called and disputed this issue the last 4 months. There last response was if it was listed that fixed it. But how did you fix it when some accounts are still not listed as closed. Equifax should staty abreast with legal status regarding chapter XXXX bankruptcy codes and regulation. I 'm, tired and whether disputing, calling, or forwarding documentation they will not fix any of your credit file. I 'm tired I even want to get an attorney and sue.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: As everyone knows, XXXX improperly shared my information due to their negligence. I tried to freeze my credit with XXXX and their website to do this. I attempted this today ( XXXX/XXXX/XXXX ) and their website threw an error : " We 're sorry. We can not process your security freeze request online at this time. Please try back later. '' There 's no other option, phone or email to resolve this failure.

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 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: Sent  Transunion inquiry removal letter thru certified mail. After nothing was done I called and disputed them. Still nothing was resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicing was sold to Green Tree/Ditech as of XXXX/XXXX/2015. I made my XXXX payment to my prior servicer XXXX XXXX XXXX by XXXX/XXXX/15, before the cutoff date of XXXX/XXXX/15 for the servicing transfer. My loan was transferred as of XXXX/XXXX/15 and when the loan was boarded, my escrow portion of my XXXX 2015 was missing. I contacted Green Tree on XXXX/XXXX/15 when I was making my XXXX 2015 payment and noticed they were showing me as delinquent. I put in a dispute on XXXX/XXXX/15 and as of today, 60 days later there has been no resolution to my dispute and Ditech is showing me as being late and have started to charge me late fees. I sent proof that I made my full payment for XXXX 2015 ( copy of my bank statement showing the full payment posting out of my account as well as a copy of the last statement I received from my last servicer, XXXX XXXX XXXX, showing that I paid the full XXXX 2015 payment and that my next payment was due for XXXX 2015. ) 60 days is far more than enough time for Ditech to verify I made my payment and bring my loan current. I have called XXXX times since XXXX/XXXX/15 and have not received any resolution from Ditech except a couple of letters after I called, saying they are still researching the dispute. Every time I call the representatives or supervisors ca n't give me any information except that they are still researching the issue. Ditech has also sent me multiple statements for the same month ( XXXX 2015 ), with different regular monthly payment amounts due and no explanation as to why the amounts have changed. I can see that the escrow portion is different, but there is no recent escrow analysis done on my account, I can see that information on the Ditech web page. My loan is not being serviced according to HUD, FHA or RESPA standards.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Mortgage (FHA mortgage) with Home Point Financial Corporation (IN).
Issue: Struggling to pay mortgage

Complaint: XXXX behind on mortgage due to loss of job and death in the family. Started modification process in XXXX XXXX. Every month since then they say that I am missing paperwork and to resend. I resend the missing paperwork and they continue to say that they did not receive it. I have all fax confirmations showing where the paperwork was sent in. I reached out the XXXX XXXX XXXX XXXX to help out with my FHA loan modification. They are running in to the same issue as me. They keep saying that they are missing paperwork. I showed all fax confirmations to the legal clinic. They were told by the mortgage company that they " may '' have the paperwork, but to resend it again so they do n't have to search. I was told that during the modification process the foreclosure would be stopped until a decision was made. However ; I received a notice of sheriff sale today for XXXX XXXX. I call on a daily basis to check up on the process and I always have to leave a message for " XXXX XXXX '' who is on an extended leave. Her voicemail says it is being checked daily and that all calls will be returned within 24-48 business hours. However, they never call back. Then when they do actually decide to call me, it 's only to inform me that all of my paperwork has " expired '' and to fill out and send in all the documents again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: There was a breech to the system of Transunion. Some inquires were removed but put back on without notice or explanation

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 09/20/2017 about Debt collection (Medical debt) with Receivables Management Corporation (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have filed a complaint twice against this company and asked for verification of debt the company sent me a copy of another customers information in XXXX. They refiled debt in XXXX and renewed the collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (I do not know) with Convergent Resources, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am receiving multiple robo-calls from XXXX XXXX XXXX  every day. I can tell it is a robo-call. The company call multiple times in a row, and leaves 1-2 second long voicemails with and without a pre-recorded message and a robotic voice several times a day. I have never gotten the opportunity to answer the calls because they call in the middle of the work day. I have never heard of this company nor received any prior information from them. I had to XXXX Search the phone number to find out who the phone number belonged to, the XXXX Search brought me to XXXX XXXX XXXX, which states this company is a debt collector. 
I have also reported this company to the FTC. 
Within 14 days, I received 23 phone calls and 11 voicemails.

XX/XX/18 - phone calls at - XXXX XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/18 - phone calls at - XXXX XXXX ; XXXX XXXX   XX/XX/18 - phone calls - XXXX XXXX  voicemail included ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XX/XX/18 - phone calls at - XXXX XXXX  ; XXXX XXXX ; and XXXX XXXX voicemail included XX/XX/18 - phone calls at - XXXX XXXX   voicemail included ; XXXX XXXX XX/XX/18 - phone calls at - XXXX XXXX voicemail included ; XXXX XXXX voicemail included XX/XX/18 - phone call at - XXXX voicemail included XX/XX/18 - phone calls at - XXXX voicemail included ; XXXX XXXX  voicemail included ; XXXX XXXX  voicemail included XX/XX/18 - phone calls at - XXXX XXXX   voicemail included ; XXXX XXXX  voicemail included

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. (NC).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: PNC is engaged in systemic fraud regarding their credit card promotions and payment applications. I have been a long time customer with PNC, and up until know, have always praised their practices and customer service. After speaking with a member of their high level retail card specialist team, they confirmed they are engaging in illegal behavior. This issue is costing hundreds, if not thousands of dollars, from all of PNCs ' unsuspecting customer 's. PNC offers a balance transfer for their XXXX credit card, which on their website states : the minimum payment due is applied to the balance transfer while any remaining excess funds are applied to the highest APR balance. However, on my last statement, a month after accepting their balance transfer, they applied funds to my balance transfer ( muting the point of a balance transfer and their fee ) and then charged interest to my standard APR purchase balance. This is in direct violation of their terms, applied practices across other credit cards/banks and is flat out wrong going beyond negligence into fraud. To understand the math and their deceptive/fraud business practice : XXXX Statement : Balance-XXXX Min Due- XXXX 0 % Promo Balance- XXXX Paid/Credits : XXXX XXXX Statement : Balance- XXXX Interest Charged at 20.74 % - XXXX Min Due : XXXX 0 % Promo Balance : XXXX PNC literally charged a balance transfer fee and then applied funds fraudulently so they could assess interest. In one statement, PNC fraudulently assessed/charged almost {$120.00} in erroneous fees. As my payments should have been applied, there should have been no interest charged, the balance transfer rate should have only decreased by the minimum payment of {$87.00} to {$1700.00} with the remaining credits/payments reducing the purchase balance at the standard 20.74 % rate. Please help stop these illegal practices and the thousands of consumers who are being fraudulently stolen from.

Company response to consumer: Closed with explanation