milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had four credit cards issued to my business. When my business failed in XX/XX/2013, my business settled the payment of the balances for each credit card. A portion of each balance was paid in cash and a portion was classified as income. 

As a result, all credit cards were settled in full by the business corporation. However, my personal credit reports still reflect the payment history. I want all four payment historys to be removed from my personal credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Credit card () with DISCOVER BANK (NY).
Issue: Advertising and marketing

Complaint: Discover credit cards have a rotating 5 % cashback category. The categories are intentionally ambiguous so that consumers do n't know whether they are in category or not. The current category is " department stores ''. I utilized the Discover Card at XXXX stores, only to find that XXXX is not classified as a Department store but rather as a " discount store ''. The definition of " department store '' in the dictionary is a store with many departments, which is clearly what XXXX is. Credit card companies should be required to specifically define what these categories mean. This is not the first time I 've been burned by Discover. I asked Discover to make good on its promise of 5 % and they refuse. I could have received 5 % using my XXXX credit card, but instead used Discover. My net loss is {$75.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I contacted XXXX XXXX ( XXXX ) in XX/XX/XXXX when I discovered I was eligible for Public Service Loan Forgiveness ( I have federal student loans and am a XXXX XXXX XXXX working for a 501 ( c ) 3 XXXX ). <P/>I requested XXXX  that all of my federal student loans be transferred and reconsolidated properly so that the payments would count towards PSLF. The XXXX representative had me log onto www.studentloan.gov and walked me through several steps. He also mailed me papers to sign. I was told my loans would be consolidated under REPAYE so they would qualify. <P/>In XX/XX/XXXX I discovered some federal student loans had not been transferred to XXXX  and were still with XXXX. I called XXXX to request that these loans be transferred and consolidated so they counted for PSLF. I was told they would be transferred. I had to call back every month because the loans were never transferred. Each time a rep told me they were in the process of being transferred and to wait. After that happened twice, I requested to speak with a supervisor. I had to do that at least four more times before the loans were finally transferred to XXXX  in XX/XX/XXXX. <P/>Despite filing frequent ECFs, my account does not reflect any PSLF qualifying payments for those loans. When I called XXXX, the supervisor could not explain why I did not have any qualifying payments. She told me the only thing she could do was submit a payment review, and the review could take up to six months. She would not provide any other information or help me in any other way.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I was refinancing my home. I was moving from a fixed mortgage with Wells Fargo to one with XXXX. I signed the closing documents on about the XX/XX/XXXX. A few weeks later I got a call from XXXX telling me they were having a problem. Wells Fargo was telling them the payoff amount was short even though XXXX was sending what they were told to in the payoff quote. The representative from Wells Fargo explained the payoff amount assumed I had made the XX/XX/XXXX payment but never verified. I explained to them I did not have an extra months payment but would be happy if that is what the problem was to enter a payment plan. The Wells Fargo representative said they would go set it up and get back to me. For the next five week both my loan officer and myself tried to get back in touch with the individual from Wells Fargo. I finally called to complain and was able to get this individuals supervisor. He told me what had been proposed could not work and they would only accept a full payment which now was up to two months with penalties. Again I told him I could not afford that and I had already begun to make payments to XXXX. He told me he would get back with me. Three weeks later I still ca n't get a hold of him. In the mean time I am paying on my XXXX mortgage but still getting bills from Wells Fargo. WellFargo is now telling me I am at risk of loosing my home. I have spent days talking to different people at Wells Fargo but none can help me. Once told me I should retain an attorney. I called HUD and got the same advice from them.

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 02-02-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I got a letter - after closing COMPLETELY about 1 year ago - that said I was delinquent on my loan. This could not be possible bc I closed at a Title company and got a payoff confirmation. The letter came from someone who is posing as US Bank at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Mortgage (FHA mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Complaint Description : We 've received XXXX property tax bills within 2 months. We 're requesting they be paid from our escrow account but our lender is delaying the process. When we purchased our property we had to pay a significant amount to fund our escrow account. As a stipulation from our lender, and have the account impounded. Since XXXX we have paid each month into our escrow account faithfully and was advised by the representative who we signed our closing documents that we have overpaid and are still overpaying the necessary amount into escrow. To date our mortgage company has only made XXXX payments from our escrow account and sent us an overage check because we overpaid. In XXXX we received a supplemental tax for XXXX fiscal tax year with half due XX/XX/XXXX and in XXXX our new property taxes for fiscal year XXXX with half also due XX/XX/XXXX. We have contacted LoanCare on several occasions and have sent documents via fax, email and even certified mail to no avail. When asked who we could file a complaint with they say there was no one we could speak with but that the matter would be escalated. We had to go as far to contact our original loan officer in order to get a response and assistance and even now we are still at step one. After all the battling they are saying they will only pay half of the first supplemental tax bill but they will not pay the other half because the funds to pay the remaining balance would not be available which makes no sense according to their own calculations. Their balance of our escrow account is incorrect we were told by one representative and the title company that we have one amount and another that we have another. And they 've refused to explain what happened to the original amount we funded the escrow account with when we signed our closing documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is currently reporting an open collection account from the company XXXX XXXX on my credit file. I have no knowledge of why this company is reporting this debt on my file. I do not owe this company anything. The lease was turned in on time and whatever charges were remaining they were paid in full to the finance company. its reporting as a {$0.00} balance. i tried disputing and they will not reinvestigate or provide me with proof of the investigation. This company has no right to report an non existent collection account on my credit file. Its not being reported by no other bureaus from Experian and they will not disclose to me the verificaton that this debt is in fact mine. i do not have any knowledge of 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 07/30/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Account opening, closing, or management

Complaint: I have been a loyal BOA ( Bank Of America ) customer for roughly 7 years now. When I originally opened my account, I was told if I get direct deposit into my account, I would not be charged any fees. I went ahead and set up my direct deposit and from that day on was NEVER charged a fee. Until last month. Last month I checked my account on the mobile app, as I do daily, and noticed that I was charged a XXXX dollar monthly fee. I called customer service and spoke to a woman who happily waived the fee, apologized for the inconvenience and assured me it would not happen again. Well, it happened again this month. Although this time customer service was not so friendly. I explained to them my situation and they told me the fee was valid and continuously explained to me the their CURRENT standards for opening an account and how to avoid fees. I expressed that those were not the same standards as when I opened my account 7 years ago, and they told me there was nothing they could do. They told me nothing has changed on my account in 7 years. I asked how that was possible considering I had never been charged a fee in 7 years and now I 'm being charged a fee. I told them THAT is a change. They denied, denied, denied and continued sending me their current standards for opening an account. I used to love banking with BOA and even referred a couple of friends. It 's sad that after 7 years of being a loyal customer, this is how you get treated - without even an explanation as to why.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Therefore, let it be known : On XXXX XXXX, Equifax systems were hacked and my personal information was improperly stolen, not limited to and including : My Social Security Number, My employer, My phone number, My address, My credit information, and My name. This was an unlawful event that could have been avoided had Equifax properly secured my personal information. 

Furthermore, Equifax had a number of Executives that cashed out their stock days prior to this incident without scheduling a XXXX. This is theft of not only my information, but also willfull ignorance ( deciding to do something KNOWING the consequences and proceeding anyway XXXX. This is unlawful and unacceptable use of my personal information and my identity information. 

All those responsible for this breach, for enabling this breach, and for the results of this breach are in violation of lore - in the violation of my human rights of privacy and security. This is a theft of my privacy, security, and ultimately of any time, value and currency that I have invested into Equifax. Therefore, All that was stolen must be returned at XXXX the value.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: The agent was unnecessarily aggressive and argumentative, and obtained personal information ( dates of birth, insurance company information, etc. ) that, in retrospect, I do not believe he was entitled to. He tried to obfuscate the fact that he was with a collection agency and not part of the company that provided the service whose bill was being collected. His tactics were targeted towards getting me riled up, by being argumentative and rude.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: I was given wrong information by XXXX XXXX XXXX on XX/XX/2015. I booked XXXX travel ticket with help of XXXX Agents to XXXX. Told the travel agent.at XXXX before I booked the tickets told them our situation, That just in case if we do not get the visa to XXXX can we get the full refund on the reservation. He told me yes if you cancel with in 72 hours before departure of the flight. Plus you are backed by XXXX XXXX, you should be good. Weeks later we did n't get the XXXX so I called to cancel the reservation. A month later I got my statement says that I owe XXXX {$8300.00} for no showing up to travel. Now how can it be now show when I had canceled the reservation. XXXX told me they had re booked my flight for a different day.I told them how can I travel when I did n't have the XXXX to travel. Plus you never notified me any way of the changes. Until today they have no answer for that. I have attached the copy of the reservation and cancellation. This company had given me the run around with no clear answer.Now there trying to ruin my credit by sending to collection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/21/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/XXXX I was accepted into Wells Fargo Loan Modification Program Trial Period. I voluntarily sought help before I became delinquent with my mortgage payments. I was not under any foreclosure process. At that time I was advised by Preservation Specialist XXXX that I would not make a XXXX XXXX Mortgage Payment since being accepted into the Modification Program. However, since my mortgage payment was automatically debited from my bank account and, my XXXX XXXX mortgage of {$800.00} was paid. 
On XXXX XXXX, XXXX, I was assigned a new Wells Fargo Preservation Specialist XXXX who informed me that since I had made an " overpayment in XXXX XXXX '' that it would not be necessary for me to make the required XXXX XXXX Trial Payment. The Preservation Specialist audit my account and advised the following with my agreement to have these payments automatically debited from my bank account for XXXX XXXX XXXX, XXXX {$540.00} - Confirmation # XXXX XXXX XXXX XXXX, XXXX {$550.00} - Confirmation # XXXX On XXXX XXXX, XXXX I received an email from a new Wells Fargo Preservation Specialist XXXX stating that he had been assigned to my case. 
On XXXX/XXXX/XXXX I contacted the Preservation Specialist XXXX to request a status update due to a letter received from Wells Fargo about enrolling into a Modification Program ; however he was not available and I was directed to speak to a different Specialist. This person reviewed my file and informed me that I owed {$550.00} as a result of being misinformed by Wells Fargo Preservation Specialist XXXX that no payment was due for XXXX XXXX. 
Although I attempted to explain the overpayment made in XXXX XXXX, to be current for the final Modification I had to pay the {$550.00} covering XXXX payment and balance due for the XXXX payment. 
I faxed my newly assigned Specialist XXXX requesting that he confer with Specialist XXXX to find out how she calculated my trial payments for XXXX and XXXX. I also attached various faxes questioning the misinformation I was receiving each time a new Preservation Specialist was assigned to my case. 
I am XXXX XXXX XXXX and I have never experienced this type of confusion between the various people assigned to help me through the XXXX Modification Program. It is apparent that there is no debriefing communication between individuals assigned to my case.

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 08/23/2017 about Debt collection (I do not know) with Credit Collections U.S.A., L.L.C. (WV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: They 've been calling constantly all day long for weeks now. When I 've answered the phone, they either hang up or just breath into the phone. I had to block the number. I XXXX the number and saw that it 's Credit Collections U.S.A., who have ALOT of complaints against them. I have NO debts. If they 're calling about my ex wife, we 've been divorced over 15 years and I 'm not responsible.

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 05-09-2016 about Debt collection (Payday loan) with Genuine Debt Solutions, LLC. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Getting calls about a payday that I supposedly took out online that has not been paid. I did not take this loan in XXXX. I 'll filed bankruptcy in XXXX. Any loans that I had at the time were under the bankruptcy and I have never had anything to do with pay day loans since. They called my job today showing a Delaware number. When you call the number back a recording says they do n't take calls. They left an XXXX number which I called and asked them to provide proof and documentation which they refused. I asked them not to call my job again and they called again this afternoon. They were threatening court action and some non check writing list. And when I would not work with them on the phone without receiving documentation, I was yelled at and then hung up on.

Company response to consumer: Untimely response
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A company called XXXX XXXX appeared on my credit report recently. You can never get a hold of anyone one. their voicemail is always full. When I researched the company online, it states their a fraud, and that they try to collect on accounts they do n't have the right to, and that they never credit funds to account, etc. when I researched, this was for an old account with a security company over 4 years ago, which was taken care of, they picked up their equipment. Now recently some new company XXXX XXXX is trying to collect

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 11-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I attempted to review copies of my annual report from the XXXX credit report agencies through AnnualCreditReport.com and each offered different convenient reasons why they would not deliver the 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 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NRA Group, LLC (PA).
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 discovered this company had illegally reinserted a medical bill from XXXX XXXX on my credit file. You are required to notify me within XXXX days of inserting a previously deleted item. I did not receive such notification.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We were issued a XXXX Loan # XXXX on XXXX XXXX, XXXX. That mortgage was transferred for servicing to PennyMac Loan Services , LLC ( Now Loan # XXXX ) effective XXXX XXXX, XXXX. Since that time, PennyMac has erroneously claimed on 3 separate occasions that we have failed to insure our mortgaged property at XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. On 2 prior occasions we have provided proof of insurance and on both occasions they have attempted to charge us for exorbitant insurance, which obviously, we refused to pay. Now, they are erroneously claiming for a 3rd time that we did not have insurance in XXXX ( including several months prior to them servicing the loan! ) and they are now attempting to charge us for {$4400.00} for Insurance Escrow when our insurance is already paid in full for the entire year expiring on XXXX/XXXX/XXXX. Today, we are sending them for the 3rd time, proof of insurance from XXXX XXXX XXXX XXXX covering the period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. Please stop PennyMac from this continuous harassment and require them to correct their records. Additionally, our loan documents specifically demonstrate that there is NO ESCROW money required. Thank you, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Mortgage (Conventional fixed mortgage) with Finance of America Mortgage LLC (MD).
Issue: Settlement process and costs

Complaint: This is a classic bait-and-switch scheme. Finance of America gave me an Estimated Prequalification Cost Analysis on XXXX XXXX, 2016, quoting a 3.75 % interest rate, 0 % points, and {$440.00} Lender Credit ( please see attached. ) I signed a Loan Commitment with Finance of America on XXXX XXXX, 2016, locking in an interest rate of 3.75 % and total points of 0 % ( please see the attached ). The lock was set to expire on XXXX XXXX, 2016. After paying {$430.00} for my appraisal and going through a long underwriting process, I was informed that " circumstances have changed. '' On XXXX XXXX, 2016, I received a Changed Circumstance Cover Letter asking me to sign a new loan estimate with additional {$1200.00} in origination charges ( 0.725 % in Points and the loss of the {$440.00} Lender Credit. ) Even though my loan amount went down from {$160000.00} to {$140000.00}, my Loan Costs, net of Lender Credit, went up from {$1300.00} to {$2800.00} ( please see the calculation sheet attached ). I have reached out to XXXX XXXX, the branch manager in XXXX, NC for resolution, but he is unwilling to honor the Loan Commitment. Please help.

Company response to consumer: Closed with explanation