milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (WV).
Issue: Trouble during payment process

Complaint: Private Mortgage Insurance ( PMI ) of XXXX $ was established and signed on Closing disclosure for my home mortgage. I was paying this amount to the original lender ( XXXX XXXX ) of this loan. Everything was going good. 

I recently got notified that my loan is now sold to WellsFargo. Wellsfargo is not following the PMI amount ( XXXX $ ) established on Final Closing Disclosure and changed my PMI from XXXX $ to XXXX XXXX They are charging me XXXX $ more than the amount finalized on closing disclosure. I understand that property tax and home insurance are subject to change but Principle, Interest and PMI amounts MUST NOT be altered during loan term. I repeatedly explained them that they are not allowed to tamper with legal closing disclosure documents and it is illegal to alter PMI amount finalized on closing disclosure. But still they are not fixing this.

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 09/27/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear XXXX : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information / and the removal of any fraudulent inquire that was made from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX/XXXX/XXXX XXXX CREDIT CARDXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX AUTO FINANCE EF B XXXX/XXXX/XXXX HNB CLEVEL BANKING EF B XXXX/XXXX/XXXX XXXX XXXX BANKING XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX BANK BANKING XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX CARS AUTOMOTIVE TU B XXXX/XXXX/XXXX ALASKA XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX BANKING The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), XXXX the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 06/24/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Delinquent account

Complaint: Capital One credit card phone representative agreed to remove XXXX 2013, 30 day late they reported as an error because of my XXXX XXXX XXXX XXXX. Immediately Auto Pay was fixed and payment has never been missed in excess of 29 days or more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2018 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (NY).
Issue: Trouble during payment process

Complaint: My loan was transferred from XXXX to Freedom Mortgage in XX/XX/XXXX. My annual escrow analysis was due in XX/XX/XXXX and none was performed. I called Freedom Mortgage on XX/XX/XXXX to request an escrow analysis as my escrow balance is almost 5,000 and I would like the excess paid out to me. The customer service agent informed me that he is unable to submit the request for an escrow analysis and that I needed to email a generic email box with my loan # and request the escrow analysis. Notwithstanding the fact that I found it entirely ridiculous the agent was not able to submit the request on my behalf, I sent an email to the address provided requesting an escrow analysis. I received an automatic reply stating that my email was received and that they would review my request. As of XX/XX/XXXX, I have yet to receive a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit card () with CITIBANK, N.A. (MO).
Issue: Other

Complaint: Account is not past due. Payment due on XXXX/XXXX/16 was made and was in excess of the Minimum Payment Due. An additional payment of {$10000.00}. was made on XXXX/XXXX/16. Of this amount less than 70 % was applied to the balance with the highest APR. The interest bearing balance of this segment was {$8100.00}, per the statement. 
Per Citi 's own card agreement, and the law, the excess payment should have been applied to the highest APR balance first, then to the next highest APR balance, and so on. 
Citi has danced around and now state that 100 % of the excess payment is not applied to any one segment. 100 % of the excess payment would have paid off the balance with the highest APR and left over {$2000.00} to be applied to the next highest APR balance, which was only {$2300.00}. The total balance on the account prior to any XXXX payment was {$12000.00}. 

These people refuse to honor their own card agreement and need to be forced to do so. Not an honest company!!!

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 05/24/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX which is my current mortgage servicing company reported late payments and I need them to remove the late payment history ASAP. I have attached letter from XXXX which clearly states late payment history was an error on there part and they have asked credit bureaus ( XXXX, Experian XXXX, and XXXX to remove derogatory/negative information.

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 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX claims I owe them {$4300.00}. They started sending me letters stating that I owe them money so I sent a letter asking them to verify the account with any documentation bearing my signature on XX/XX/XXXX. They could not provide my signature so they sent another bill. I responded with another letter on XX/XX/XXXX asking them to provide my signature or remove this from my credit reports. The information was still on my credit report so I sent a final letter on XX/XX/XXXX asking to remove this or I would take them to court for 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act. 

They called my parents home that I have not lived in over 10 years and discussed me " owing '' them money which clearly violates the Fair Credit Reporting Act. 

I do not want to go to court but I want this off of my credit report. This is costing me more money in interest payments and has kept me from getting much needed credit. I have been denied credit because of this information that they have yet to provide my signature. 

A lawsuit will be my next step.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Payoff process

Complaint: My family was hit with numerous XXXX bills at the same time our monthly mortgage payments went up so our ability to pay all our bills on time was seriously affected. We have approximately {$10000.00} in credit card debt with Capitol One and have tried repeatedly to make our monthly payments of approx {$260.00} on time and have missed some therefore incurring late fees, we have contacted Capitol One repeatedly to see if we could lower our monthly to {$150.00} they said all they could offer was to not attach late fees if we continued to make those {$260.00} payments on time, which as I said we can not do, I therefore contacted Capitol One and requested my account be closed, we still are trying to make our payments on time but continue to incur those late fees, our last bill was for {$560.00} which we ca n't pay, as I have said we have never refused to pay our bills, but when we get at least XXXX calls per day at various hours that is just harassment. We are at a loss as to what to do we are potentially looking at bankruptcy or foreclousure if we can not get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Bank account or service (Checking account) with PNC Bank N.A. (NY).
Issue: Account opening, closing, or management

Complaint: Opened an account at PNC with {$300.00} new account bonus if have minimum of $ XXXX direct deposite and XXXX online payment in the first 60 days. I have met well over the minimum requirements. Spoke to multiple reps in between and was advised that I was doing the right thing, everything is set up correctly and that the only thing I need to do is wait until after 60 days for the bonus to post. After 60 days have elapsed, I contacted customer service and inquired about the bonus. I was told that I 'll receive a response within XXXX business days and customer service was not professional to follow up. I contacted customer service another XXXX times and It was not until then that I was told the direct deposit went to another checking account and hence they refused to award me my bonus. PNC lacks integrity, it 's obvious that the employees mislead and misinform customers intentionally, or they 're truly incompetent. I feel cheated. I had all my earnings with this institution, but only to find that it 's dishonesty and sly. PNC is finding any way it can to deny honoring its words.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and I received a fraud alert from Experian in reference to unauthorized and fraudulent inquiries listed on my Experian credit report. I should n't not have any inquiries listed on my credit report. The following inquiries are unauthorized and fraudulent : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I havent been able to access my credit report, and once I called XXXX to discuss the problem no one wouldnt help me. It says that my info is wrong and I know for a fact that someone has been putting stuff on my credit which is the reason i cant access to dispute it.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My complaint is that Equifax was reportedly aware of the breach well in advance of when they notified the public. Additionally, I do not believe Equifax took all the available and necessary steps to protect such sensitive information for myself and millions of others. Their reckless handling of myself and others ' sensitive information, along with reportedly not informing the public immediately, puts all of us at great risk of identity theft that may have been avoided had various other actions be implemented in advance by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NY).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: XXXX XXXX XXXX has been calling me since last year regarding an account I had with Synchrony Bank/ Care Credit XXXX I 'm trying to purchase a house next year and want to straighten my credit out so I decided to make an agreement. I originally agreed to make 3 payments of {$590.00} to settle the account. After the 2nd payment was made I did some research, called XXXX and told them to cease anymore withdrawals from my account. I called XXXX on XXXX XXXX and Paid {$30.00} to stop the payment just in case they tried to take my money. After doing some extensive research I found over XXXX complaints about this company and their bad practices. I called them up and they stated to me " Your account is closed and we will cease reporting ''. I then asked why would they not report that I paid them so that this will show the bureaus that I 've settled the account and he had no answer. I then called XXXX and they stated that I am listed in good standing with that old account, which does do n't show up as derogatory. They also told me that XXXX is n't even on my report. I then pulled all XXXX credit reports and XXXX is nowhere to be found, which means the 2 previous payments were not updated with the credit bureaus. They basically conned me out of {$1700.00} that I really could not afford. The last payment that I asked them not to take out caused my account to go into the negative. This company has been fined for over XXXX dollars due to their bad practices and taking advantage of people. I would like to get my money back if possible.

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 08/22/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am a XXXX and use an electronic medical record ( EMR ) to prescribe medications. In order to prescribe electronically, our EMR verifies our identity through experian. I also have change my name ( I got XXXX ), and moved twice in the past two months.My name is complicated because I go by my first and middle names ( XXXX XXXX ). My legal name is First : XXXX Middle : XXXX XXXX Last : XXXX. I have changed all the proper information including ; my social security card, my prescribing licenses, my bank accounts, and student loans. I have not been able to get through to Experian. There is no human on the phone line only automated responses, none of which help me with my problem. I contacted XXXX successfully, and XXXX which reluctantly gave me a credit report. I have my credit report in front of me while filling out the verification for the EMR, however I am denied each time. I have contacted the EMR directly who insists that it is a problem with the credit bureaus. Whoever is to blame I have had an awful experience with Experian. I can not get through to anyone to ensure my name is correct. The other credit bureaus recommend me contacting all my creditors to change my name ( which I have ).

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 06-02-2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Please see the attached correspondence. I am the Federal Fiduciary of VA benefits for XXXX XXXX XXXX. He is currently under the care XXXX Prior to his approval for XXXX, he incurred XXXX expenses at that facility for which I am personally being harassed by Transworld Sytems Inc. for payment of that debt. I am not his legal guardian, nor liable in any way for his debts. I merely receive the VA benefits and dispurse them in accordance with the law for his care.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have sent Equifax XXXX separate letters regarding a collection account that is on my credit report. The collection agency has sent me a letter stating that the balance is {$0.00}. Equifax has a responsibility to the consumer to maintain accuracy and they have failed to do so. I 'm simply asking Equifax to remove this collection for it 's inaccuracies. Pursuant to the FCRA if there are any inaccurate holes with a collection agency 's reporting then the account has to be deleted. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have bought a property in Vermont ( XXXX XXXX XXXX, XXXX VT XXXX ) on XXXX/XXXX/XXXX for the price of {$150000.00}. The property was appraised for {$160000.00} at the time of purchase by the Guaranteed Rate the mortgage company that I borrowed from. The loan amount was {$130000.00} and since I did not put XXXX % down payment there was a PMI with my mortgage payment. The loan was later on sold to Chase bank and I have been paying my mortgage regularly and never were late or overdue. 

I have paid extra every month to bring the LTV ratio down to XXXX % so I can get ride of my PMI. MY LTV ratio since XXXX XXXX, XXXX is below XXXX %, however the chase bank is refusing to wave the PMI and insisting on me paying Chase ( {$110.00} ) to do a broker price opinion ( BPO ) of my property. I told them why should I pay them extra to the XXXX when clearly Home Owners protection act indicates that there should be automatic PMI termination : " In accordance with the Homeowners Protection Act, your lender must terminate PMI on the date your loan balance is scheduled to reach XXXX % of the original value of your home ( in other words, when your equity reaches XXXX % ), provided you are current on your mortgage payments '' My property at the time of mortgage valued more than what I borrowed from, I clearly followed the bank rules indicating that PMI should be terminated when the LTV ratio is at XXXX %, based on my original repayment. Bank is telling me that since based on my original amortization indicated that I should be at XXXX % by XX/XX/XXXX. And since I have paid a head I need to get XXXX which does not make sense and this is another excuse for the bank to ask for more money. I have called them several time and I have mentioned to them that what they say is against the home owners protection act which was passed in XX/XX/XXXX to protect the consumers and it clearly states that the bank should have automatically cancelled the PMI as soon as my equity reaches XXXX %. 

Thank you for your attention, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Hello. I am in the process of clearing up all inaccurate and wrong information on my credit reports. 44 Days ago I send a certified letter ( copies saved ) that requested Corrected information and PROOF of any errors they are not removing from my personal credit report. I have not received anything, no reports, no credit file or questions. I sent this with proper ID proof and a detailed letter and account numbers. They have in the past kept false reporting on my report that are not even mine.

Company response to consumer: Closed with explanation