milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Trouble during payment process

Complaint: Wells Fargo Bank, XXXX abuses customers reports XXXX. I was flooded in XXXX XXXX and Wells Fargo is refusing to cash my insurance check and give me my proceeds. When I reported my loss to Wells Fargo and I was told I would get an insurance check with both my name and the Bank 's. I was to take the check to a local Wells Fargo XXXX and they would release the majority of the money to make it easier on me. Then I was given a website insuranceclaim.com/wellsfargo. I registered was asked for XXXX documents which I uploaded. The next time I tried to log in I was refused access. I had to call a special number ( XXXX tracking number XXXX ). 

Now I am told they want an additional XXXX pages of documentation which I can FAX OR MAIL. Who is running this bank... old men with flip phones? Then they told me I was to endorse the check and MAIL it to SOUTH CAROLINA. Then they would send me and my CONTRACTOR a check. If I still have a contractor when they get their act together. 

I have been assured they have not cashed the check and are letting it sit in a corporate escrow account earning interest for the BANK. I do n't believe it. Between here and Florida if there are even XXXX checks for an average of {$50000.00} that is some serious money. Of course they are holding it as long as possible. They have given me no time line as to when the funds will be released. In the meanwhile every day I sit doing nothing to the restoration of my home I am exponentially delayed in completing the project. I have waited XXXX week and I think that will cost me XXXX weeks in getting back into my home. 

They are so sorry I am upset and frustrated. And they spout the same procedural information over and over. I have posted on facebook and they did the same thing during XXXX XXXX. They have a corporate culture of using consumer as fodder for corporate profit and have no desire to do the right thing. 

They have a proven pattern of abuse and it needs to make the news.

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 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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 have tried on several different occassions to resolve this issue with the credit bureaus regarding   XXXX    accounts being reported on my credit report. There are  XXXX  accounts that are reporting as account settled less than full balance for   XXXX   XXXX   XXXX   however that information is not correct. I previously sent a letter to  XXXX  and they responded with a letter stating that the balance was settled in full. I forwarded a copy of this to all  XXXX  credit bureaus. However, instead of fixing this merely obvious error they just updated both accounts to reflect account meets FCRA requirements. Clearly this was lie and no verification was completed or the response would be different. I sent a previous complaint using this system and they denied the investigation stating the address I provided is not on file however that to is a lie!!! I have attached a copy of my printed credit report that has my address reflected. This company is attempting everything in its power to negate my request and violate my rights. FCRA states I must provide my identity by providing my social security number and I have done so. I will NOT provide any of my bank statements or personal identification to a 3rd party agency that I am not required by law to do so. The address I provided is listed on my credit report and an investigation must be completed!

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 04/21/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (RI).
Issue: Loan servicing, payments, escrow account

Complaint: I have requested that B ank of America remo ve PMI from my mortgage, in accordance with the federal homeowners protection act, which states that once the homeowner reaches 22 % equity the bank must remove PMI. I have reached that mark, but they refuse to remove PMI unless I pay to have an appraisal done. In reading  the U.S. code 4902 it just says  that once the consumer reaches the 22 % equity mark, based on the original price of the home, the PMI must be removed automatically by the bank. I have spoken to the bank, but they refuse until I spend the app rox. 400.00 for  the appraisal. I can find nowhere in the federal act that mentions anything about needing this before the PMI is removed.

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 06-10-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (MA).
Issue: Managing the loan or lease

Complaint: Reference No : XXXX ALL RIGHTS RESERVED Please provide me with the original signed Promissory Note for the account listed above. This note is my property and it was not returned to me. 

Please provide me with a complete account statement for the account noted above from the first day of the account being opened to the last day of the account being open.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit card () with PAYPAL HOLDINGS INC. (OH).
Issue: Unsolicited issuance of credit card

Complaint: On XXXX XXXX, 2015, I attended a sales presentation by XXXX hotel and resorts in XXXX, FL. After a 5-6 hour sales presentation, after being promised the presentation would take no longer than 2 hours, they pressured us, like I 've never been pressured before ; we were worn down, exhaused and confused. They gave us reassurance that we could own a time share for approx {$50.00} per month, as they kept asking us what we could afford to pay. We told them that was our limit, in no uncertain terms. Shortly before they made the sale, they presented with me a pay pal line of credit card, in my name. I assumed I would have to give them my personal authorization to open up this line or any line of credit as I have had an extended fraud alert for the last 7 years through experian, transunion and equifax. To my chagrin and astonishment, they went ahead and opened up this pay pal line of credit, without ANY consideration of my ability to pay. It was apparently, I later surmised, opened on my credit score alone? I 'm not even certain about this. And conveniently, they paid THEIR Wyndam time share off with my pay pal line of credit I NEVER would have agreed to if I knew what was going on. They also make it next to impossible to read over the materials they present to you. The pay pay line of credit is what caught me off guard the most. I learned later that they tried to qualify me by opening an account with XXXX, which was denied. Also they tried to qualify my husband and he was denied to. WE do NOT have the ability to pay for this, feel that our consumer rights were violated in more ways than one, and we are in the process of returning the timeshare to XXXX, who make it clear that they will not offer us a penny in return. Still we want to be free of this organization forever. Please reconsider this debt we owe to paypal credit, as we feel is is not ours to repay as we were violated and I believe scammed. Thank you in advance for your attention to this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Student loan (Non-federal student loan) with Performant Financial Corporation (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Every day for at least a year I have been getting several calls a day from XXXX Service. The actual number on the caller ID is XXXX XXXX or some variation. I usually do not answer, they never leave a message, but recently they have been calling so much that I decided to answer. Either no one is there or a recording comes on telling me to call another number which turned out to be Diversified XXXX Services. I called the number Diversified left and was told Performant was trying to contact me. I have payment arrangements with Performant where they automatically deduct payments from my account each month. When I told the collector I am making payments each month per arrangements they said they just want to verify my information. I confirmed the information, none of it has changed, however today as always they start calling at XXXX I answered the third time they called today and a person answered and hung up. What do I do to get these people to stop? Why are they calling me when I am making payments on time each month? There is a disconnect between the collectors and those making the payment arrangements.

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 08-06-2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (FL).
Issue: Taking out the loan or lease

Complaint: Synchrony Bank ( Care Credit ) allowed XXXX XXXX to open a credit line. XXXX XXXX put me ( XXXX XXXX ) as her co-sign for a medical procedure amounting to almost {$4000.00} dollars without me signing anything or being physically present. I, XXXX XXXX have never met nor know who XXXX XXXX XXXX is and I also never gave my consent nor signature for anything involving XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (DC).
Issue: Account opening, closing, or management

Complaint: I read XXXX review of most competitive checking accounts and decided to join Simple Bank. An issue arose when I tried to complete my application. Upon following up with Customer service, two separate employees let me know that Simple only offers accounts to U.S. Citizens. 

I inquired more about this policy and a member of the customer relations team reached out and declined to provide more information. I am a non-U.S. citizen legal permanent resident of the United States. I have legally resided in the U.S. Since XX/XX/1999. I have never encountered such a policy with an American bank. Simple Bank never sent me a notice to officially deny my application to join their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NC).
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 have copies of my payment history which was provided from Wells Fargo on XX/XX/XXXX. After a thorough comparison, it reflects different payment amounts and dates from what has been submitted via CFPB. With this discovery, I am looking to pursue legal action against Wells Fargo as it appears my account has been wrongfully credited from as far back as XX/XX/XXXX. In addition, Wells Fargo has not tried to contact me via phone. I have no missed calls or messages. I have only received letters stating that Wells Fargo needed additional time to review my case. I am extremely relieved to discover these discrepancies. I have had strong reasons to believe there was a problem with my account for quite some time. I reported this to Wells Fargo, with no luck or support. I now I have proof. I am more than willing to send you a copy of the documents I am referencing. Please advise how you would like for me to proceed. Thank you! 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 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (AR).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I went in for procedures to be done and they were not. I had prepaid and the money was to be refunded to Chase. I NEVER made a payment on this account and the money was never refunded even after several calls and visits to get it done. I opened this account in XX/XX/XXXX. This is over 9 years and the insist on leaving this on my credit. I have contacted the credit bureaus and they wont take it off. Chase says I made one pmt around XX/XX/XXXX I think it was. Why would I make one payment? This was clearly another mistake they made by posting someones else 's pmt to my account. They also dont have any proof of this pmt. I want this off of my credit report for good. My credit limit was XXXX XXXX and the card was ran for XXXX XXXX.
I called Chase to get this straightened out and they were playing games for an hour transferring me from phone to phone. I finally hung up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Phoenix Financial Services LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To XXXX XXXX XXXX I recently ordered a credit report and noticed that your companies are reporting errors on my credit. The errors listed on my reports are all of the inquiries and the accounts XXXX, Phoenix, XXXX XXXX XXXX, XXXX. that I am unaware of. I didnt apply nor inquire any new account. I have mailed over certified letters with receipt return hoping that the matter was resolved & correct. It has been more than 3 months and I have not received a response back. I have record of all the paper documents, threatening phone calls, and more. I would like this matter resolved upon taking legal actions on your companies. Please read the attached letter below for more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion is listing account from XXXX XXXX XXXX XXXX which is more than 8 years old since the last delinquincy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I disputed this account with Commonwealth Financial Systems via certified return receipt letter ( attached ) on XXXX XXXX. The company has failed to verify the account belongs to me and I have no knowledge of this account. It has not been deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (NY).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX, I filed a complaint with the CFPB, # XXXX, Specialized Loan Servicing, holder of my second mortgage. In the meantime, I finally found out what was happening. Below is the statement I wrote yesterday on their website when I submitted the electronic document for a hardship loan modification, and attached all the necessary supporting documents : As of XX/XX/XXXX the terms of my loan changed from an interest only to principal plus interest payment. I was only notified about this in XX/XX/XXXX, when it was already 3 months late, and by then was over {$2000.00}. The only way I came to know about this change was with a conference call between XXXX and SLS. Until then, I had called numerous times trying to find out why I had such a large bill, which is now {$2500.00} due XX/XX/XXXX, and was unable to get an answer. I was transferred and disconnected so many times that I finally wrote, and still received no answer - just another bill. If I had been notified in XX/XX/XXXX, I could have borrowed the {$500.00} and gotten a refinance. By the time I found out, I was n't eligible for a refinance, because your company was reporting me late twice in a 30-60 day period. ( By the way, thanks for that! ) I need to modify this loan ( HAMP ) as soon as possible, as I can not afford to pay over {$500.00} a month, and certainly can not come up with {$2500.00} this month. This amount would cause a hardship. I have contacted the CFPB, and will continue to do so until I can get the modification that I need. <P/>This is really unfortunate, not just for me, but for SLS, who would have received the total amount that I owed, around {$28000.00} in the month of XX/XX/XXXX. I was informed by the company doing the refinance that everything else was perfect ; the only thing that made the loan fall apart was SLS reporting me late. I need to modify this loan ( HAMP ) as soon as possible, as I can not afford to pay over {$500.00} a month, and certainly can not come up with {$2500.00} this month. This amount would cause a hardship. I wanted this to be on record with CFPB, and will continue to do so until I can get the modification that I need. Yesterday, I submitted the electronic form to SLS with all the corresponding documents needed in order to modify this loan.

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 05-12-2015 about Debt collection (Medical) with AMCOL Systems, Inc. (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX, 2015 I sent a letter to Rickman and Rickman to validate these debts. I received a reply containing statements that have incorrect information and still unsure about these accounts. XXXX XXXX, 2015 I sent another letter stating I want these debts validated XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have not hard back from them since the XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Student loan (Federal student loan servicing) with ACS Education Services (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I have a loan with ACS education. I recently asked for my original loan papers as mine were lost in a hurricane. They sent me a one page form without my signature, no interest information and on top it said one loan for XXXX and one for XXXX. That is a total of {$4800.00}. I graduated in XXXX and have been paying each month. I did have a period of relief due to unemployment. But my amount is around XXXX per month for a least 5 years. That is XXXX. They say I still owe over XXXX. Recently to add insult to injury I get a bill from XXXX ( who is XXXX ), I look it up and it is associated with ACS. DO I pay the Conduent bill or ACS, how do they decide etc. I need original signed ( by me ) paperwork on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit reporting () with Experian Information Solutions Inc. (PR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Information not mine. 
XXXXAccount NumberXXXXAccount TypeUnknownTerms1 MonthDate XXXXXX/XX/XXXXXXXX2015Account StatusClosedPayment StatusLatePayment Status DetailsSeriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection departmentStatus UpdatedXX/XX/XXXXXXXX2015Balance $ XXXXBalance Updated-Credit Limit-Past Due Amount {$100.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NH).
Issue: Loan servicing, payments, escrow account

Complaint: At the very last minute, after business hours on the last day it would be possible for me to obtain a mortgage and close on the purchase of a home on time, and several weeks after the Bank of America had all the information they initially said they needed to assess my loan qualifications ( about XXXX pages of tax returns and other income information they required ), and also at least a week after the day they said they would commit to the loan, the bank pulled a " bait and switch. '' They told me I could get the loan only if I agreed to a higher interest rate than the agreed-upon rate. This rate they insisted on was 1.25 percentage points higher ( 4.75 % ) than their advertised rate of 3.5 % on that date even though I was putting down, and I put 25 percent of the purchase down. Since I would lose my {$5000.00} deposit AND the house I contracted to purchase if I did n't close on time, the bank knew I had no choice but to agree to the higher interest rate. 

I believe this may be a common practice of the Bank of America, one used to force mortgagors to accept substantially higher interest rates than those they advertise and contractually agree to. It is certainly a clever way to get around their obligation to meet their commitments and to force innocent loan-seekers into paying above-market interest rates. 

They also tried to force me -- though they eventually relented on this -- to garnish my bank checking account for a year-and-a-half 's worth of advance payments on property tax and homeowner 's insurance even though I had a long track record of paying my own taxes and insurance on other properties I own. This of course would take from me the use of my money over a substantial period of time and transfer the use of that money to the Bank of America. 

I am a senior citizen and a Bank of America " preferred customer. '' I keep about XXXX in my Bank of America checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: The account in question was sold to a debt collection agency and I was not informed of my right to dispute. Furthermore, when I did dispute this account based off of not having a contract with the debt collection agency, the credit bureau removed the account and the debt collection agency then reinserted it without any written notice whatsoever and did not send any information showing that they did their due diligence to investigate or ensure the information obtained was complete and accurate. I called and left a voicemail to let them know that I would be taking action should be the account not be removed from my credit report immediately.

Company response to consumer: Closed with explanation