milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/26/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I recently brought a new house in XXXX 2015. After buying the house throughXXXX XXXX XXXX XXXX they sold to mortgage to XXXX XXXX. 
However, XXXX is displaying on my credit report, so it shows that I 'm payingon over half millions dollars in debt. The house cost {$220000.00} and it showsXXXX on my report. XXXX has sent an control number ( XXXX ) the Equifax and XXXX XXXX andthey have yet to correct the error. Since I have gotten denied credit because itshows I have to much debt. I request to have XXXX removed or correctedASAP! Please assist me with this issues as the agencies have had over 3months to correct this error

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (AR).
Issue: Loan servicing, payments, escrow account

Complaint: I am a veteran of the US Military and I have a XXXX since XX/XX/XXXX. My state recognizes that fact and allows me tax exemption on my mortgage. I recently refinanced with Freedom Mortgage in XXXX XXXX and did let the loan officer know that I was tax exempt but she did not include it in my paperwork, but as soon as I got the letter and the required stamp from the tax assessors office which was XX/XX/XXXX and my first was not due until XXXX XXXX, I call Freedom Mortgage and they advised me to fax them a copy of the letter I complied. Two weeks went by and I did not hear from them so I called back XXXX XXXX XXXX. I was told they did not receive my fax so I re-faxed the letter, at that time I called to verify that it was received, it was verified. From that point on I would call them every two weeks to get an update. I paid them the full payment to include late charges for XX/XX/XXXX. For XX/XX/XXXX I informed them that I needed this issue to be resolved because I am on a fixed income and could not continue making higher payments. XX/XX/XXXX I tried to make the payment anyway because I did not want a hit on my credit. I was told they would not take anything less than XXXX+ late charges. Unfortunately I could not afford the total amount and took the hit on my credit rating. I received a letter today showing that they made the adjustment for XX/XX/XXXX. but refuse to adjust for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am now facing a bill for XXXX due XXXX XXXX XXXX, which I definitely can not pay. I am prepared to pay the adjusted amount for XX/XX/XXXX and XX/XX/XXXX, it seems only fair that the payment be adjusted since they received proof of the exemption, verified 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 05/26/2017 about Debt collection (I do not know) with Bayside Capital Services, LLC (ID).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: I have received repeated calls from a few different  XXXX  or  XXXX  numbers in recent weeks  (   XXXX   2017  ). Within the last few days they have switched to " private numbe r ''. Yesterday  (     XXXX   XXXX   , 2017 ), som eon e left  a message with no name, no company identified, and said they were " delivering important certified legal documents to take legal action '' I erased the message thinking it was som e SPAM or Ro bocall.      Today (     XXXX   XXXX  , 2  017   ) the number called again and I answered. I asked for the person to identify themselves, they did not give their name, but said they were from a " Bayside Capital '' group and told me that lega l documents would be delivered next week and that they are obligated to inform me. I said what is it in reference to? He gave no answer he just kept saying " it 's about legal documents that will be delivered '' I asked for a number and he gave it. I have no idea who this company is, what they want or what they are talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I have refinanced my home mortgage with Bank of America in XXXX XXXX. The total loan amount was {$220000.00}. Since we did not meet the minimum 20 % requirement, there was a PMI added to the mortage. I made extra payments in order to reduce my principal balance to meet the requirements to terminate the PMI sooner. As of XXXX of XXXX my principal balance was {$170000.00} which is less than 78 % of the original value. As of XXXX XXXX my principal balance is {$160000.00}. I have contacted Bank of America to inquire as to why the PMI was not automatically terminated. In response Bank of America has denied to terminate my PMI and is asking me get a appraisal done again regardless of what my current balance is as compared to the original value at the time of refinance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 3. XXXX XXXX XXXX   XXXX XXXX FL XXXX 4. XXXX XXXX XXXX CT XXXX XXXX FL XXXX FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXXXXXX XXXX   XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. 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 01/28/2018 about Mortgage (VA mortgage) with NEW DAY FINANCIAL, LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I suspect that XXXX XXXX XXXX may be involved with the VA in obtaining the names and addresses of veterans to solicate VA loans. Other than the military only the VA knows I am a veteran but per a letter I got from New Day last week they seem to know it as well. I have never had a VA loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (DE).
Issue: Deposits and withdrawals

Complaint: Death in family occurred. Prior to her death, our mother had requested that her IRA to be closed with XXXX XXXX and funds to be sent to her. While waiting for her request to be processed she passed away and the requested funds where received at her current address, which was the address of her daughter who was taking care of her. Additionally, her daughter was executor of Mothers estate/affairs. The previously request Check was received in her name and due to her death was deposited by daughter into her primary account since her mother had passed away. Initially the deposit was reflected in the account, however several days later M & T fraud called with questions. After further explanation we were told by M & T bank that an estate account would need to be opened and the now frozen funds would be moved into account upon all correct documentation being provided. Daughter went into local branch and provided the requested documentation to open account ( short certificate, death certificate etc. ) the new account was opened as requested. We then as requested, notified Fraud Unit of the successful opening of the Estate account. After several days we again contacted the Fraud unit as the account still did not reflect the funds being released and deposited. We were now told that the Bank decided they wanted to take different route and refused to release funds. The Bank demanded that we provide the contact information for the now closed XXXX XXXX account so the information we had provided could be further verify. Verification was completed and our information that was provided was validated and upon the check being issued per the deceased request, the account was now closed. M & T still holding the issued funds had now changed process again for funds to be released and deposited. They were now requiring XXXX XXXX to request the check back after it was deposited and cashed. XXXX XXXX was willing to do so with a letter request from M & T stating " deposit was made in error without proper endorsement. " Additionally, XXXX XXXX would redeposit the check in question back into the now closed account to force the account to be reopened and re-send the check however M & T needed it to be sent to be deposited into the account. To date, there still has been no movement for the funds to be deposited back into our account in which we are currently at over 3 weeks with no resolution. Multiple calls made to Fraud area with request for update and we continue to be given a different story or I ca n't speak for the " Retail Bank '' and where they are in the Resolution of your situation. 
We simple would like our funds to be deposited as they should be so we can pay for the burial expense of our Mother. We have been extremely patient but our patience has come to an end. We are turning to the CFPB for help with resolution of this issue before we will need to get our Attorney involved. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX, we refinanced our home. That mtg. company subsequently sold our loan to Wells Fargo without notifying us. We kept paying the mortgage to the old company and they were forwarding to Wells Fargo without our knowledge. When they stopped forwarding the money, we heard from Wells Fargo about our payment being late. XXXX of the credit bureaus has fixed this issue on our credit, but the other XXXX still have n't. Please help us with the other XXXX credit bureaus, as we would like to refinance.

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 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: I am writing about a Bankruptcy ref # XXXX that is reporting on my Transunion/XXXX/XXXX credit report. I have filed numerous investigations in efforts to having this public record removed both by phone and by letter most recently XX/XX/XXXX and it came back Verified as Accurate XX/XX/XXXX. They all LIED about being able to verify the reportings. Under the new law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN or DOB for it to appear in your credit file. Transunion/XXXX/XXXX has failed to update their information and per the new law the Bankruptcy does not include all the required information & should be deleted from my credit report.

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 05/27/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (HI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I graduated in   XXXX   from   XXXX   XXXX   XXXX  . I had to apply for  XXXX   XXXX  "   XXXX   XXXX   loan '' for half of my loans I took out during school because they were the only ines I qualified for. I paid the interest off in monthly payments while I was attending. The payments were on an automatic deduction and took out every month. However, when I graduated they stopped my automatic deduction payments and then tried to charge me a late fee because I did n't pay on time. I asked why they stopped my payments and they said they expired for some reason and I needed to start them again. I was fighting on the phone with customer service so many times and called so many times because they kept messing up my loan payments that I was automatically transferred to management everytime I called which did n't really help much either. Over time when I started working as a  XXXX  I was able to make higher loan payments. However, everytime I paid over the minimum payment, they never applied it to the loan. They only took out the minimum payment so they could charge the interest fee on it. I called and asked what was happening to my payment, the money that I paid extra on? They replied that if you pay over the minimum payment the extra money goes towards next months minimum payment. They call it " pay it forward '' so I asked, I 'm never going to be able to pay extra on my loan to pay it down quicker? They said I did n't specify that I wanted to do that so all the extra money I 'm paying a month is going towards future minimum payments.   I was tired of dealing with     XXXX   XXXX    , which is now navient, and went to my credit union and explained my situation. I asked to take out a private loan to pay off my high interest rate student loans. I qualified and they asked for an address to mail the check to navient. I called customer service and they would n't give me an address. My bank called and searched navient website and they too would not give an address. My bank ended up transferring the menu into my account and said they would be able to see when I made the payment to navient on the website.   Very frustrating with the whole process.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Debt collection (Medical) with Smith & Smith Investors LTD (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My wife has received another letter of default from XXXX XXXX XXXX. XXXX has improperly submitted at least XXXX claims against my wife for debt which the original " creditor '' has failed to send to insurance for payment. 

XXXX XXXX XXXX has failed to correctly file insurance payments even after repeatedly being informed of the correct insurance information. In at least one instance, XXXX XXXX XXXX sold the debt to XXXX adjustment and then filed the insurance claim and received payment for that claim. 

XXXX adjustment was informed that their recourse to the previous debt for which insurance payment was received was to contact XXXX XXXX XXXX. XXXX was also informed in writing that any further invalid collections which were submitted by XXXX XXXX XXXX would constitute harassment. XXXX has again tried to collect on an invalid debt. 
This debt appears to be exactly like the one which XXXX XXXX XXXX failed to properly file with insurance. Please note : XXXX XXXX XXXX has in the past turned the debt over to collections two days after the date of service thus not allowing any time for payment to be received from the insurance company. 

Please note : At no time has XXXX XXXX XXXX EVER submitted ANY bill for services directly to my wife. I am astounded that medical services could be provided to anyone without that company having some manner in which they can identify the patient. 

I find it particularly troublesome that XXXX XXXX XXXX and XXXX XXXX have never submitted anything resembling a bill with a due date or a past due notice. They both go straight to collections actions ( and they both know the correct name and address ).

Company response to consumer: Closed
Consumer complaint received 10-03-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (MA).
Issue: Trouble during payment process

Complaint: CitiMortgage, Inc. claims to be the holder, through several unrecorded assignments, of a mortgage originally granted by the former XXXX XXXX XXXX XXXX, XXXX. ( The FED describes this as having been a voluntary take over of XXXX XXXX XXXX XXXX assets and therefore not in the purview of their assistance with failed banks. ) The mortgagee, XXXX XXXX, is XXXX. She contracted to sell her home in an arms length transaction. She paid the payoff amount provided by Citimortgage. The buyer 's bank and title company will not accept the discharge from CitiMortgage because they say the ownership of the mortgage is not a matter of record at the regiastry of deeds. Citmortgage, despite demands by certified mail, has so far refused and failed to provide recordable proof of their ownership of the mortgage. As a consequence, XXXX XXXX can not pay her XXXX home bills and could be at risk of eviction from the XXXX home. Until she expends the house proceeds on her XXXX home, XXXX ( XXXX ) will not pay for her XXXX home expenses. she is caught in a catch 22 situation. 

Massachusetts law requires that mortgage assignments be recorded at the regisatry of deeds, and that the holder, on payment, provide proof of ownership of the mortgage. Despite being provided with a copy of the statute, XXXX has failed to respond.

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 11/21/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Wells Fargo wo n't let me log into my account, even though it 's a student loan not a bank account, without getting a text message. This is problematic because cell phone numbers are associated with so much now it 's a privacy issue and an identify theft issue. There is no email option to verify your account. I want to be able to log into my account without a text message verification.

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 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX, I mailed in a letter requesting a credit investigation. Its now XXXX XXXX, and I have not yet received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Bank of America changed its policy about accepting payments My payments were REFUSED In person at the branch When I called to inquire as to why my credit limit was decreased THEY DID AN UNAUTHORIZED inquiry dropping my credit score lower!! 
When I expressed I wanted to close my acct and end business with this criminal organization they threatened it would further ruin my credit!!

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 09/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (MI).
Issue: Application, originator, mortgage broker

Complaint: Had a call from Wells Fargo customer care and recovery group regarding a complaint letter we had sent regarding their mortgage application process and how badly we had been treated. When we called they informed us that they were recording the call.. We said, we are recording the call also. She said she could n't talk to us if we were recording the call. What gives? They can record us but we ca n't record them? How does that work?

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 09/29/2015 about Credit card () with WELLS FARGO & COMPANY (CO).
Issue: Credit determination

Complaint: On a recent visit to my local Wells Fargo branch -- where I only wished to have my PIN updated on my debit card -- I was " offered '' the opportunity to apply for their Wells Fargo XXXX XXXX card. Though I was n't particularly interested, the branch agent stressed how the XXXX card would offer a great chance for a " lot lower interest rate than your other cards '' which I had said averaged 13.6 %. Fine, I thought, and applied right there through the agent who was entering my application on his system. 

A few days after the application was made ( with a credit score of XXXX and a verifiable income of {$80000.00} ) my online banking Wells Fargo account added the following card to my account list:1. Wells Fargo Platinum ( not the XXXX card the agent said I was applying for ) 2. A credit limit of {$50000.00}. An interest rate of 22.5 %, following the 0 % interest 15-month grace period. 

In short, I was bait-and-switched by the branch agent on the product I was applying for ( no mention was EVER made that I was applying for or might be downgraded to a different product ) ; the likely amount on the credit limit ; and the interest rate ( that is nearly double any of my other cards ). 

After first contacting the agent ( a XXXX XXXX XXXX to voice my complaints, I was pushed up the ladder to an XXXX XXXX, the " Regional Banking District Manager, Vice PresidentXXXX Colorado - XXXX ''. XXXX assured me that he would look into the matter, and that he would be pushing the case further up the line. A few days later, I noticed that the account 's credit limit had been increased to {$14000.00}, but the account remained a Platinum card account with the 22 % + interest rate. Once again, this was offered to a long time Wells customer ( 20+ years ) with a XXXX credit score and verifiable income. 

I next received a call from Wells " Premium Card Services '' and was abruptly told by an agent named XXXX, " your card will remain a Platinum with 22 % interest rate, and no, there is no one else to discuss this with because how we have arrived at that decision is confidential ''. 

So that was it : bait-and-switched by Wells Fargo with no further explanation, and taking the hit on my credit report for making the application in the first place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation