milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/30/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (IL).
Issue: Application, originator, mortgage broker

Complaint: XXXX major issues that have been poorly handled by this institution. 

Rate lock - From what I understand, they set the expectation with you that they had secured your rate when they had not and it was actually floating. If I am correct, this costed you some money when it was finally locked. 
Zoning Issue - I know very well about this as I helped you resolve it. If I recall, the unit is in a building which was categorized non-conforming due to the possibility of not being able to rebuild in case on catastrophic damage. This lender was unable to solve this and only when I worked through a colleague in Florida was it determined that a waiver letter was acceptable. Based on our discussion, you shared this solution with them and they sorted it out, but they should have been able to resolve without delay and inconvenience to you. 
DTI - In our last discussion, you are now telling me that they are scrambling to resolve a DTI issue resulting from confusion on which debt is personal and which is associated with your business. This should in no way be a last minute issue and should have been resolved at application or after approval, at the very latest. I have not yet reviewed your commitment letter, but I would request it from them as it would have to address this or they are altering a committed deal which is not allowable. In short, if they approved you and told you what they need to close, they can not add items unless your financial situation has changed. 
Blown Dates - Throughout the process, they seem to be stringing you along with consistent unmet promises for dates of approval or issue resolution. This has eliminated your ability to find alternate financing further jeopardizing your transaction and money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/29/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed this account on many occasions. Finally, i had enough and asked since XXXX XXXX continues to report this account please send me a signed " agreement between me and XXXX XXXX XXXX. I finally received the document and here is what i found. The original account # with XXXX ( original creditor ) shows XXXX while XXXX XXXX shows for original creditor # XXXX. No initials on this " payment agreement ''. Signature does n't even match signature on my license. Balance even shows XXXX but shows different amount on credit report. I want this account removed immediately from all credit reporting agencies. i have included copies on all supporting docs.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Debt collection (Medical) with MFP, inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I faxed Financial Credit Services a letter on XXXX XXXX, 2015, asking for information regarding medical collections they have listed on my credit report. On the letter, all account # s were listed. I received XXXX letters dated XXXX XXXX that only addressed XXXX of the XXXX accounts that I questioned. The letters I received acknowledged the receipt of my request and that they would place the account in a dispute status until they received documentation from the original creditor. Needless to say, as of today, I have yet to receive validation. I have contacted Financial Credit Services and spoke with XXXX, XXXX and XXXX who stated that they will not be removing the account although they have not validated the debt. I explained they ca n't continue to report an account that they have n't provided validation for.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Making/receiving payments, sending money

Complaint: I would like to lodge a formal complaint about the customer service I received from Wells Fargo Bank employee XXXX on XXXX XXXX 2016 and she is based in XXXX. 
Her employee ID is XXXX and she is based in XXXX AZ She was not helpful on the phone and I was called Madam several times, even when I told her I was a man. 
I would like an formal apology from Wells Fargo and she should be disciplined by management.

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 11-10-2016 about Consumer Loan (Installment loan) with KEYCORP (IL).
Issue: Managing the loan or lease

Complaint: KEY BANK REFUSES TO SEND MY A MONTHLY STATEMENT TO PAY THE LOAN ON TIME. I SET UP AUTO PAY WITH THEM THEY TRANSPOSED MY BANK ROUTING NUMBER AND NEVER CONTACTED ME TO PAY THE BILL. KEY BANK THEN PUT THE LOAN INTO A REPO STATUS. WHEN I CONTACTED THEM THEY REFUSED TO TAKE AN " ACH '' PAYMENT OVER THE PHONE. THEY TOLD ME THAT I HAD TO GO TO A KEY BANK BRANCH WITH CASH OR WIRE IT TO KEY BANK USING A XXXX XXXX WIRE. 

IT TOOK THEM OVER 20 DAYS TO PROCESS THE CASH WIRE HOLDING UP MY SONS COLLEGE LOAN UNTIL I COULD GET CONFERMATION THAT THE LOAN WAS UP TO DATE. I HAVE HAD THE LOAN FOR OVER TEN YEARS. 

ALSO THERE ARE NO LONGER ANY KEY BANK LOCATION IN THE ENTIRE STATE OF XXXX. 

EVERY MONTH I HAVE TO CALL A KEY BANK BRANCH MANAGER IN XXXX AND HAVE HIM LOOK UP MY ACCOUNT AND EMAIL ME A STATEMENT BECAUSE KEY BANK STILL REFUSES TO SEND ME A MONTHLY STATEMENT. I BELIEVE THAT THIS IS DONE ON PURPOSE TO INCREASE LATE FEES FOR THE BANKS. I BELIEVE THAT THIS IS PREDITORY LENDING AND SHOULD BE INVESTIGATED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Timothy C. Runyan, P.C. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The attorney Timothy Runyon has garnished my tax return for the last 7 years. The debt was paid and I have proof. When I took him to court to discharge the debt he threatened me outside the courtroom by stating that if I did not give him {$2500.00} in cash that he would start the debt over every single year. How does a debt start over every year. The amount already paid should be deducted from the debt. Since I did not agree to give him the cash that day or within a week he started the debt over from the beginning. I have proof that he has been paid. He even asked me personal questions about my financial situation such as did I own a home because if I did he could roll the debt over to my mortgage. He also asked me why was I trying to get rid of the debt and was I trying to buy a home which I answered none of his questions. He and the judge are friends so the judge never gave me an opportunity to state my case because they are friends.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Debt collection (Payday loan) with FINANCIAL MANAGEMENT  SOLUTIONS (NY) (NM).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Received several phone calls from phone number XXXX stating that I needed to " cooperate with '' the company by paying {$200.00} of the {$400.00} debt. Then, my social security direct deposit information was changed online. They requested that my payment be deposited to XXXX XXXX card. A fraud alert has been set with social security, but the payment to the XXXX XXXX card was never recovered by social security.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Mortgage (VA mortgage) with SUN WEST MORTGAGE COMPANY, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I received a phone call and a late payment statement from Sun West Mortgage Company, Inc ( SWMC ) on or about XXXX/XXXX/2016. After looking at my XXXX XXXX online payment detail I called SWMC mortgage and explained my bank showed they mailed the payment on XXXX/XXXX/2016 and the payment processed XXXX/XXXX/2016. I was told they did not process the payment until XXXX/XXXX/2016, which created the late fee after XXXX/XXXX/2016. I explained they had internal issues processing my payment late and that was not my fault. They said they could wave half of late fee ( {$42.00} ). I told them no because it was their fault the payment was processed late and they had a similar problem back in XXXX 2016. They admitted the issue was internal and removed the late fee. They also attempted to force me to sign up for their auto-pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I applied for credit ( car loan ) with XXXX XXXX on XX/XX/XXXX, 2017. I received notification in the mail that their credit decision was,  in part, due to information received from SageStream LLC. I monitor my credit score with the known credit reporting agency XXXX and XXXX. I have never heard of SageStream and am not comfortable with providing my personal information such as a copy of my driver 's license and social security card to obtain my credit report from them. Is this a known, reputable company? How can a company just appear out of nowhere and be a credit reporting agency and have access to such personal information? What makes me really concerned is that the letter also said key factors that adversely affected my credit score from this particular agency is limited history for consumer at address. I have lived at the same address for XXXX years and if this was a legitimate company, I would expect them to know that. Please investigate this company as something seems wrong.

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 09-02-2015 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Problems caused by my funds being low

Complaint: I placed a stop payment on a company called XXXX, This took effect on XX/XX/2015.The bank confirmed the stop pay, yet I had charges occur from the XXXX company numerous times after the stop payment took effect. I called the bank and they only credited my account for the stop pay fee of XXXX. But still charged me fees in the amount of XXXX. Because I was negative, this caused a check for XXXX to bounce and they processed it three times charging me XXXX. They would n't credit my account for the mistakes they had did. ( US Bank )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Approx 1 week ago I was notified by my per diem " employer '' that i was taken off of the roles, and would no longer be needed to stay on per diem status, and no full time positions were open. Today, I received notice from a collection agency ( Transworld Systems ) that a {$250.00} balance has been reported to the collection agency against my credit for un-returned uniforms. One week is not enough time to return uniforms, when the home office is over XXXX hours away. The uniforms were returned at this time, but the report of collections is still on my credit. Before this time I had not been notified that I was " taken off the roles '' until the employer called me to pick up some shifts, and then she noticed i was removed for being inactive ( not picking up any shifts recently ). So in 1 weeks time I found out I was done there and that the collection agency had taken action. No notice was given to me to return the uniforms, nor was any attempt made to notify me. This should not be reported on my credit. The items have been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Mortgage (Conventional home mortgage) with TD BANK US HOLDING COMPANY (NJ).
Issue: Trouble during payment process

Complaint: Received Notification from TD Bank of New Monthly Payment Effective Date = XXXX/XXXX/XXXX and new Monthly Payment Amount = XXXX ( instead of XXXX ) along with notification of SURPLUS in Escrow acct of {$920.00}. I changed my auto payment to XXXX in XXXX, one month BEFORE the add'l {$10.00} was due, but the auto payment reverted back to the prior amt without my realizing it. I have now corrected the auto payments, I have paid {$280.00} in Late Fees, I have overpaid Principal due, but still have had a late payment reported to the Credit Agency for my {$10.00} (!!! ) mistake. Moreover, multiple calls for a current balance or assistance were unheeded because their automated system does not recognize my acct number. 

I would like for TD Bank to remove the Late Payment from my Credit Report as I have paid 20 times the amount in late fees AFTER being sent a check for {$920.00} for their OVER-WITHHOLDING on my escrow in XXXX. To have the escrow amt increase by {$10.00} & then have the bank use that as a means to not apply the otherwise complete Principal and Interest payment & thereby charge late fees and make a late payment report to the credit bureaus in unconscionable. 

I will pay the late fees etc, but am asking the late payment report to the credit bureaus, which will cost me thousands in increased finance, insurance rates, etc, to pls be redacted. This was a {$10.00} clear & obvious mistake, which could have been quickly rectified if the bank had just called me or had human beings that one could speak to rather then a broken automated " customer service '' system that hangs up and does n't recognize its own account numbers, with no option press 0 or any other means to actually speak to a human.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have filed XXXX separate disputes with Equifax in regards to collector " XXXX XXXX. '' They never contacted me with information. I never received a notice from them stating I owed said debt. I check my credit regularly, and noticed XXXX accounts from this collector were added on my report. All of the telephone numbers I look up have been disconnected. Equifax is the only bureau that shows these XXXX accounts total. I can not move forward with looking for a house with these XXXX accounts XXXX my credit. I have tried to contact money control, but like I explained previously, all of their contact information comes back disconnected. I am not sure what else I can do at this point. Please help since Equifax will not.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I initiated 3 written disputes between XXXX XXXX and XXXX XXXX with Experian requesting verification of XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and the Office of the Attorney general accounts that show on my credit report. These unverified items still remain on my credit report in violation of Federal Law. Experian responded to each of my disputes saying the information was updated, but failed to remove them or to send me copies of the documents that used to verify these accounts as per my request. The fact that Experian has ignored my request to send me copies of the documents used to verify the disputed accounts is evidence that they did not properly verify any of the disputed accounts. Experian has not produced any document with my dated signature or authorization. Yet they willingly continue to report unverified information despite the Fair Credit Reporting Act laws in place prohibiting this unethical practice. I request that these items be removed immediately.

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 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: No contract Company Refused to COMPLETELY validate the debt per federal guidelines Insufficient 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 01/18/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In 2011 XXXX XXXX charged off my account. 5 years later Experian suddenly showed it 150 days past due in XXXX. I contacted XXXX XXXX and XXXX to resolve. XXXX XXXX sent me a letter and copied Experian that indeed the account was charged off in XXXX. XXXX XXXX also confirmed with XXXX that this was the case. I have spent numerous hours and phone calls to Experian who refuses to use any letter I have with XXXX XXXX nor the correspondence with XXXX. In XXXX 2011 the account went. To a fresh charge off bringing my score down further. I complained and then in XXXX the 150 days late popped up again bringing my score down a total XXXX points since the event started. Now I 'm in the middle of buying home and it 's impacting my rate AND me even getting a loan. Please help!

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 04-09-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I used to have an account with XXXX XXXX. Now I am filing my taxes, I find out that my loan is owned by some company called Navient. Nobody from XXXX XXXX ever told me my lender was changing and nobody from Navient has ever contacted me. I had a fixed payment amount with XXXX XXXX before this change. It was approximately {$150.00} per month. I 've been sending {$170.00} each month to make sure I am paying the balance down. When I check on Navient 's website, it says i 'm past due because i 've been paying less than the minimum payment ... for many months. I do n't know how the funds are getting from XXXX XXXX to Navient, nor was I ever contacted to advise that my payment amount has increased or asked to agree to ANY change in terms for my account. I am not able to find any contact information for Navient. They have never sent me a statement, a single letter, or made any phone call to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I owe a judgement the debt collector liquidated my IRA account in order to collect the debt I owe I notified the financial establishment but they informed me that the debt collector had an order from a judge? I informed them that in AZ it was against the law for debt collectors to collect a debt from an IRA account. 
I had an attorney write the financial establishment NOT to give the $ to the debt collectors .I have lost $ XXXX in financial gain from the stock market and did not have access to MY money for over 90days. 
So far it has cost my {$1000.00} in lawyer fees plus all the time I spent with lawyers who said that could help me and ended up them wanting thousands of dollars to fight or file a lawsuit The debt collector did not inform the judge that the account was an IRA account and falsified the writ of garnishment.

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 02-08-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX2017 Ocwen received my monthly payment for XXXX 2017 in the amount of {$2600.00}. ( my payment for XXXX 2017 is in the amount of {$1100.00} ) On Ocwens website on XXXX2017 I noticed that Ocwen never applied the EXTRA {$1500.00} I sent in towards the principal. Ocwen never applied any part of the {$1500.00} to my loan at all. ( I do n't know where that money went? ) The principal balance of my loan for the month of XXXX 2017 was {$140000.00} and on XX/XX/XXXX2017 Ocwens website says that the principal balance on my loan is {$130000.00}. That is only a difference of {$460.00}. The total amount that should of been applied to the principal of my loan should of been {$1500.00} PLUS my regular principal payment of {$460.00} add those XXXX numbers together and you get {$1900.00}. You take the {$1900.00} and subtract it from the principal balance owed in XXXX 2017, {$140000.00} and you get the amount of the principal balance owed going into XXXX 2017 which is {$130000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (I do not know) with Colony Brands, Inc. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX -showed I owed them {$60.00} from an account on XX/XX/XXXX.I called the company at XXXX on XX/XX/XXXX and they said no account with my name could be located and if I had an account there then I would have an account number.XXXX XXXX also showed I Owed them {$60.00} from XX/XX/XXXX.I called them at XXXX on XX/XX/XXXX they also confirmed I had no account number with them.

Company response to consumer: Untimely response