milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I was threatened, by a Bank of America representative, that they were not going to post my mortgage payment if I did not pay my mortgage in XXXX payment vs paying bi weekly. The representative told me the only way they would post my payments the way I have been paying is if I paid them {$8.00} per transaction to enroll in there biweekly payment program.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Phoenix Financial Services LLC (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX its not on XXXX but its on XXXX   and some hard inquiries I want you off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX, my Wells Fargo 2nd Mortgage account ( HELOC ) switched from a 12 month fixed introductory rate to a standard flexible rate. Per Wells Fargo, this rate change prompted a temporary erroneous reported balance increasing the amount by {$120000.00}. I contacted Wells Fargo to ensure the reported balance would be corrected and asked for confirmation that they would not report the erroneous balance to the credit agencies ; Wells Fargo verbally confirmed that I would not be impacted from a credit reporting perspective. 

On XX/XX/XXXX, Wells Fargo corrected the account balance amount crediting my account {$120000.00}. My Wells Fargo account has shown the correct balance ever since. The ISSUE is that contrary to what XXXX XXXX confirmed to me, they have in fact been reporting the erroneous account balance to all of the credit agencies. Since XX/XX/XXXX, I have been in contact with Wells Fargo several times in an attempt to fix this. A case was opened through the Wells Fargo Executive Office to address this and I received a phone call on XX/XX/XXXX, to notify my that the case was being closed and all actions have been taken to correct the issue. 

My grievance and concern is that the issue has not been resolved and I continue to be negatively impacted as a result of Wells Fargo 's inability to correct an issue they created. My credit score has decreased and I do n't know how else to fix this. As of XX/XX/XXXX, my HELOC account balance is {$11000.00} ; all credit agencies are reporting an outstanding balance of {$230000.00}. 

Ever since first entering into a relationship with Wells Fargo in XX/XX/XXXX, I 've felt that I 've been mistreated and taken advantage of as a customer. I was asked to open a checking account and verbally obligated to opt for automatic account payments in order to qualify for my mortgage. Earlier this month, I was finally able to cease automatic payments after Wells Fargo made another mistake debiting my account twice. 

This is all unacceptable and I am tired of being mistreated and negatively impacted by Wells Fargo. I have never experienced such a level of ineptitude and bureaucracy with a financial institution.

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 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HCFS Health Care Financial Services, Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: This account was paid to h hospital, they have hung up on me, calling me a liar. I have perfect credit meaning I pay my bills.

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 10/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had a debt of {$1900.00} from a school loan that was paid off. Since then, it has been removed and placed back onto my account XXXX times now. Currently, it is showing as being owed. I DO NOT OWE THIS ANYMORE. My income tax was garnished and this was paid in full!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (CA).
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint: I called XXXX XXXX XXXX ( XXXX   ), which is the number on their website and they stated the card was not registered. I explained I had received the card as a gift and informed them it should have a {$100.00} balance, however the representatives response was it is not a registered card no other options were offered.

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 09/29/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (UT).
Issue: Trouble during payment process

Complaint: On XXXX/XXXX/XXXX, I opened a complaint with CFPB regarding three issues with our mortgage service provider, Select Portfolio Servicing ( XXXX ). XXXX closed the complaint with CFPB, even though they only resolved one of the three issues. The FIRST REMAINING ISSUE is my Unpaid Principal and Deferred Principal/Interest balances are still wrong in the XXXX computer. However the combined/Total balance is correct. As of XXXX/XXXX/XXXX, the correct balances are : Unpaid Principal ( {$120000.00} ), XXXX XXXXt ( {$10000.00} ), XXXX XXXX XXXX {$130000.00} XXXX. XXXX Ombudsman Dept. even wrote in their response on XXXX/XXXX/XXXX that the XXXX XXXX should be ( {$10000.00} ), but will not take action to correct it with their cashier department. If XXXX does not immediately fix the account balances, I will be charged more interest than is owed when I make my XXXX XXXX payment. 

The 2nd REMAINING ISSUE is in regards to thXXXX XXXX XXXX of {$10000.00}. Even after obtaining documentation from my former mortgage company, XXXX ( on XXXX/XXXX/XXXX ) detailing the Deferred Interest, XXXX Ombudsman wrote that my Deferred Interest was with my former mortgage company, and when the loan was sold to XXXX, the XXXX XXXX was re-categorized as XXXX XXXX. XXXX said that I had to wait until the Unpaid Principal was paid before I could pay on the re-categorized, XXXX XXXX. I sent an email to XXXX Ombudsman on XXXX/XXXX/XXXX, asking for confirmation regarding a letter from XXXX dated XXXX XXXX, XXXX stating that " Any monies paid towards the {$10000.00} XXXX XXXX will result in a XXXX interest statement. '' Now this letter came directly from XXXX, yet they sent me another letter dated XXXX/XXXX/XXXX saying they had to do further research and it would take another 30 days. XXXX has been researching my disputes since XXXX XXXX. Every time they send a response that is incomplete or incorrect, they immediately close the inquiry. Then when I contact them regarding their response, I have to open a new inquiry, and wait another 30 days. There is no continuity on a case. Once they send a letter to you, the case is immediately closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Denied multiple times of my complete consumer profile file..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (SC).
Issue: Trouble during payment process

Complaint: The property associated with this Ditech loan was sold on XXXX XXXX, XXXX. The attorneys who closed on this loan asked for a payoff figure which was provided by Ditech onXX/XX/XXXX. The payoff amount was {$150000.00} and was good through XX/XX/XXXX. 
At closing on XXXX that amount was deducted from my proceeds and was wired to Ditech the same day. 
Even though Ditech knew the loan was closing they funded a flood insurance policy on this property which is a condo and is covered by the HOA flood policy. The charge for this policy, on the contents ONLY of a two bedroom - two bath condo that was closing for {$170000.00}, was {$4500.00}. That policy was never provided but a policy that they later charged me for was charged at {$110.00}. Their claim is that because the {$4500.00} was taken from my escrow account on XX/XX/XXXX it made the payoff amount received too little to close the account. 
They decided to keep charging me for escrow payments on this condo that I do not own and have even paid the County taxes for two years and have charged those to me even though the County has returned at least one of these payments which they have not credited back to the escrow account they are still using for the condo I no longer own! 
The attorney that represented me at closing has tried to correct this, I have tried to correct this but they continue to charge expenses for this condo that I do not own and make harassing phone calls and will not close this account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My mother purchased a home in XX/XX/XXXX. About 10 years ago, CHASE bought the loan from the previous mortgage company. For the past 20 years, my mother has had trouble paying the mortgage payments. However, CHASE has my name shown as the co-borrower for the mortgage. I was only XXXX years old when my mother purchased the home and I NEVER filled out or signed any mortgage papers. My mother had my name placed on some of the papers as the beneficiary just in case something happened to her. I am NOT nor NEVER was a co-borrower or owner of the home. I 've tried several times to have my name removed from the mortgage loan, but the XXXX credit bureaus continue to reflect CHASE on my credit history as a borrower for the mortgage. In XX/XX/XXXX, my mother went to the XXXX XXXX XXXX of Deeds and have a Quit Claim Deed done to remove my name. The home is commonly known as XXXX XXXX, XXXX, Michigan, parcel identification XXXX. The CHASE mortgage case number is XXXX. I am applying for jobs and this issue with CHASE is contaminating my credit history. I should not be held accountable for my mother 's mortgage loan and a home purchased in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: XX/XX/XXXX I signed up for a Citigold checking account from Citi Bank under a promotional offer of XXXX XXXX XXXX miles. XX/XX/XXXX I sent a secure message to confirm that I met all the promotional requirements for the sign up bonus of XXXX XXXX XXXX miles. A Citi Bank representative XX/XX/XXXX confirmed that I had met all the promotional requirements and should receive the XXXX XXXX miles by XX/XX/XXXX. To this day I still have not received the sign up bonus of XXXX miles from Citi bank. After my first call to Citi Bank XX/XX/XXXX asking why my miles had n't posted they said they would open an investigation. Which they did and I received a letter from Citi Bank stating that in their own investigation they concluded that I had met all promotional requirements and was eligible to receive the XXXX miles. The letter also said all I had to do was call in and add my XXXX XXXX Frequent Flyer number to my Citigold account in order to receive the miles. I have now called in three times to add my frequent flyer number and still have n't received my promotional sign up bonus of XXXX miles. This is extremely annoying since I signed up under the terms of this bonus and now Citi is going back on their offer. It is a complete scam or Citi is just completely inept.

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 07/14/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have mortgage with Nationstar mortgage and I applied for a loan modification. Nationstar denied my modification. However in the letter it stated that I have a right to access the documents relied upon in this investigation ... I made the request but was denied. I was not reviewed for HAMP

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit card () with CITIBANK, N.A. (TN).
Issue: Billing disputes

Complaint: Paid my payment on time and it was XXXX shorts. Instead of calling me to give me a chance to pay the missed XXXX dollars they hit me with a XXXX late fee. So my payment was XXXX, I paid XXXX 10 days early and since it was XXXX short they hit me with a XXXX late fee then a XXXX finance charge. 
I called them and asked them if I could pay the extra XXXX dollars and them reverse the fee and they said NO. I asked why no one called me to explain that I still owed XXXX and the lady could n't answer.

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 07/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (HI).
Issue: Loan modification,collection,foreclosure

Complaint: Ditect is servicer of a loan and property in hawaii. It is in violation of hawaii state mortgage servicer laws XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Other debt) with EOS Holdings, Inc. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a collection account on my 3 credit reports from XXXX XXXX/XXXX XXXX for XXXX $ which was already paid. I tried to reach out to the company to get this account removed but was not successful. Account name is listed as XXXX on my credit reports with a date of XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Debt collection (Payday loan) with Solidus Group LLC. (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I get repeated calls threatening to be arrested at my home or place of business.

Company response to consumer: Untimely response
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Credit report shows an account listed as XXXX XXXX, in which account validity is still being verified, then once placed in collections which XXXX XXXX XXXX, the same account XXXX XXXX account is listed as XXXX XXXX. There is no consistency in the listing of the company name and one or the other should be 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 01/22/2018 about Debt collection (Medical debt) with AAA Collections (ND).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In approx. XX/XX/XXXX I was in the XXXX hospital for a XXXX   XXXX XXXX XXXX. After one week I had to learn to walk again. Someone from XXXX XXXX   wanted to know if I needed or wanted a walker. I told them, only if Medicare & Medicaid would cover it. They came back several hours later & said it was covered. I went home & approx. 1 year later in XX/XX/XXXX I received a letter from XXXX XXXX XXXX. that I needed to pay {$120.00} for the walker. I called them & talked to the manager who told me that I am responsible for the debt. because she had reimbursed Medicare & medicaid for the amount because it was a work comp. claim. I told her it was not & she said " Yes it is ''. I told her it needs to be re-filed to Medicare & Medicaid but she said NO. I told her I will not pay it so she sent it to AAA collections. I sent a letter to AAA collections & XXXX XXXX XXXX. to cease & disist but AAA collections continues to call & send notices 4 years later. I have talked to several people at AAA but to no avail. I have told every person there that I talked to about this but got no where. Right before XXXX XX/XX/XXXX I spoke with someone that said they would try to resolve this because it has been so long but all they asked for was my credit card #, Bank statements, & Tax forms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Mortgage (Conventional home mortgage) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report

Complaint: On X/XX/2017 I filed a complaint against Cap One for illegally reporting an account to my credit. The CFPB # was XXXX. On XXXX XXXX XXXX Cap One admitted they were at fault and sent me a letter ( attached ) saying so and that they would no longer do anything with it and remove it from reporting due to their incorrect reporting. I just checked my credit again and it is still there. They need to follow through and do what they are supposed to ASAP AND DELETE IT FROM ALL BUREAUS!

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (I do not know) with The Thomas Agency, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I only became aware of this debt by looking at my credit report. When I contactacted the Thomas Agency they informed me the debt was from XXXX whith whom I have never personally done business with. The Address they had on file fo rthe debt is an address in Florida which I have never lived or resided at. When I contacted XXXX the original creditor they informed me that the debt was a debt owed by a former employer of mine ( XXXX XXXX XXXX ) and that my previous boss had put me as the person of contact for the account. I do not understand how my boss putting me as the point of contact binds me to this debt.

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 12-12-2017 about Debt collection (Medical debt) with LHR Inc. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This company has been harassing myself and my family members repeatedly and saying I owe a medical bill of {$800.00} from 2010. This is not on my credit report. They have threatened saying they 're going to bring me to court if I do n't pay them right away. I 've told them to take numbers of my account and they have continued to contact my family.

Company response to consumer: Untimely response
Consumer complaint received 10/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Couch Conville & Blitt LLC (MS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a bill from Couch Conville Blitt Attorneys at law trying to collect {$10000.00} on an account that there was no judgement on I received a letter from XXXX where they advised they were not attempting to collect due to the credit card had XXXX insurances after more than 6 years after the fact I have an attorney writing wanting me to settle on a debt that is not owed and is past the statue of limitations for the state of Mississippi to collect on

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX   XXXX   XXXX  Has been reporting since  XXXX  an account for the  XXXX   XXXX   XXXX  over a payment that was between my insurance and the billing department of the clinic. The Clinic was in dispute with the billing company due to over payment and improper billing. When this issue was resolved I received documentation from my insurance company, forwarding a copy to   XXXX   XXXX   to have this removed from my credit report since it was not directly my fault. Instead it was not properly removed by all reporting agencies and updated with   XXXX    on  XX/XX/XXXX .     I was advised this morning that this is still active and not deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I 'm working with XXXX XXXX XXXX to help with my debt due to financial hardship & I have forwarded this information to Kohl 's but they have been calling me At the wee hours in the morning. Sometimes as early as XXXX. They have called me XXXX times at that hour.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PNC Bank N.A. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized inquiry.

Company response to consumer: Closed with explanation