milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-07-2015 about Mortgage (FHA mortgage) with U.S. BANCORP (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I have my first Mortgage with US Bank they have reported to the credit bureu that in the last 14 months I have been 30 days late XXXX times, 60 days late XXXX, times and 90 days late XXXX times. This is not true, and I am in the process of trying to refiance my home and this is when I found out, this is not the first problem we have had with US Bank they tried to take my home for XXXX missed payment about three years ago but in the end they did a uneccessay loan modification and when we received the final paperwork it was a 40 year loan on a house I have owned since XXXX 1992, we went to the Attorney Generals office but recieved no help so we had no choice but to go with it, I have all the paperwork for that and now this. I printed out my bank online payment report for them and I have never been 30,60 or 90 days late. I called US Bank today and they agree with me and told me I need to go to the credit source that reported it and they will get back with US Bank and that will take care of it. I have contractors ready to do work on my home now and I can still get the XXXX but my interest rate will be higher. This is not the first time I have had problems with US Bank, they tried to take my home three years ago for XXXX missed payment when my son was very sick and I missed it on accident but instead they modified the loan which was not necessary and gave me a 40 year loan without disclosing that before we agreed. I went to the Attorney General 's office but received no help. I need my credit corrected today but they want me to go through this long process for something they caused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Sentry Recovery and Collections, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Sentry recover XXXX promised to remove collection account completely from my credit reports and it still shows on the transunion credit report. I have tried numerous times to contact the company as well as dispute it with the credit reporting agency to no avail.

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 04/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NC).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I received a letter yesterday, claiming from me {$92.00}. The name of the collection agency is IC System. The name of the creditor is XXXX. 
I called XXXX the day after wich is today, I spoke with XXXX XXXX, and he confirmed to me that my balance is {$0.00} since XXXX/XXXX/XXXX. 
Aproximetelly 20 days ago I filled another similar complaint with the same claiming amount, but with other collection agency name

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 02/26/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TN).
Issue: Application, originator, mortgage broker

Complaint: I was attempting to assume a mortgage loan from my father for a house from Chase bank. The loan in question is roughly {$86000.00} and I have a credit score of XXXX and an income of {$XXXX} per year with quarterly bonuses and only small debt in the form of student loans. I submitted all information requested by Chase only to be denied on a small technicality. I am recently divorced and, after my separation, I was fortunate to be able to live with a close friend as I figured out what my next step was. During one month, I purchased season football tickets and sold XXXX of the tickets to my friend. He then discounted my rent for that month. After giving Chase all my financial information, they questioned why I had a month that was less than my agreed upon rent ; I explained what happened and offered my friend to submit a notarized document stating I paid him. Despite these efforts and all the work I put in on getting the appropriate information to Chase, they denied my loan citing " Delinquent past or present credit obligations with others ''. This is patently false and they refused to allow me to provide documentation stating so. The account representative that was so difficult to work with is XXXX XXXX in the Assumption Department

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (Medical) with American Collection Services, Inc. (OK, TX) (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This collection agency obtained the name and phone number of my emergency contact person from my MEDICAL RECORDS and repeatedly contacted that person!!! Is this legal??? They left messages and contacted this person even after she called them back and asked them not to contact her again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Several weeks ago I used a Public Library computer ( @ XXXX ~ # XXXX ) to request all three credit reports from www.annualcreditreport.com ~ I was not successful in my attempt ... so, I called the attached telephone number and ordered all three credit reports once again ( or so, I believed ). On XX/XX/2017 I received via @ USPS first class mail a credit report from @ XXXX and @ XXXX but @ Experian_US only sent a letter stating I had already gotten my credit report from their company. I have tried to contact @ Experian_US ( XXXX ) without any assistance in resolving my issue. @ CFPB Please help me retrieve a copy of my credit report from @ Experian_US.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2016 about Credit card () with BARCLAYS BANK DELAWARE (PA).
Issue: Other fee

Complaint: I used Barclay Cards website to make my online payments. I did not realize that I had selected through there website an old account that I was no longer using and I had selected a payment to be paid in XXXX and XXXX which was returned was account frozen.

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 09-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I issued a Dispute Letter by certified mail on XXXX XXXX, 2016, in which I have not received a response from TransUnion. I then sent by certified mail on XXXX XXXX, 2016 requesting deletion of all disputed accounts from my credit report according to FCRA Section 611 ( a ) ( 5 ). TransUnion failed to verify within the 30 day time period and send due notice to myself as to such findings.

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 06/26/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: On XX/XX/XXXX, I opened online a Wells Fargo Every Day checking account that was offering a {$250.00} bonus for either making 10 debit card transactions or establishing a qualifying Direct Deposit of an accumulated {$500.00} or more within 60 days of account opening. I was instantly approved and received via-email a confirmation with the following data : Application Reference number : XXXX Status : Your application has been approved, and your new account is eligible to receive a bonus offer. I completed the 10 debit card transactions on XX/XX/XXXX. The bonus should have been deposited into the new checking account within 45 days after meeting the requirements. It has passed over a month after the 45 days waiting period and the bonus has not posted yet.

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 EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The name XXXX XXXX is listed on my credit report and an address in XXXX. My name is XXXX and I have never lived outside of the state of XXXX. I also do not have XXXX credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage w ith TD Bank. TD Bank  did not process the flood insurance from my condo in time, and then put a Bank  Placed Insurance  ( BPI ) to cover flood and increased my monthly payments from  XXXX  to  XXXX  to adjust for the BPI in the escrow account.     TD has since received and processed t he Insurance Declaration p age for the flood insurance, and they claim they have refunded the BPI to the escrow account, but after multiple attempts and request by Supervisors, their Escrow Department refuses to perform a new escrow analysis and adjust the monthly payments. They claim they do n't want to under-collect, but fail to realize their mistake with he BPI and now are in fact over-collecting. They refuse to correct this mistake and are continuously avoiding my request to perform a new escrow analysis.     They continue to collect more than {$150.00} a month in excess.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX has contacted Nationstar for foreclosure prevention alternatives. Due to a valid hardship, she reached out to Nationstar to pursue a loan modification. When denied, XXXX has attemped a short sale, which she feels is her only feasible option at this point to avoid foreclosure. XXXX has acted in good faith by listing the property at fair market value with a local real estate professional, and subsequently securing a buyer. When we attempted to initiate the short sale process with Nationstar Mortgage via their Equator platform, the file was closed out due to the upcoming foreclosure sale on XXXX XXXX. In XXXX, XXXX received correspondence from Nationstar denying her of the loan modification letting her know that short sale could be an option for her. Without delay, XXXX listed the property. Considering Nationstar suggested the short sale, it is unfair for them to deny her due to the lack of time to get it completed. Suggesting the short sale gave XXXX false hope that there might be an alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: In review of my credit report I noticed that a " XXXX XXXX. '' was reporting a delinquency on my credit report. Per the attached Office of Comptroller of Currency Document provided to me by XXXX XXXX Bank XXXX, XXXX XXXX XXXX ceased to exist XXXX XXXX, 2011. I disputed the apparent fraudulent reporting by a non-existent entity and " XXXX Bank '' responded, a trade name. They changed the reporting to " XXXX XXXX Bank ''. The Problem? XXXX Bank and XXXX XXXX Bank are trade names and therefore can not legally conduct business in regards to contracts. Remember " XXXX '' and XXXX? If XXXX XXXX Bank XXXX. is the legal entity they must be the reporting entity. We can not assume this without proper documentation from the legal entity which may or may not be XXXX XXXX Bank XXXX. It appears that some un named entity is " Intentionally Misrepresenting '' who the legal entity is? ( fraud ). I ask that the CFPB force the legal entity to be identified, if possible, so I may work with them to resolve. If it is XXXX XXXX Bank XXXX. I would think they would have initiated the reporting and would have responded. Not XXXX Bank that exists as a trade name only per the attached. I was told by the credit reporting agency, Experian that it would take up to 60 days to have a response to my concerns of " XXXX Bank '' trade name conducting business as if a legal entity.

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 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: Last year i noticed two student loans on my credit file that claim were opened in XXXX 2002. I was not in school so i could not have opened any loans around that time. I 've disputed these accounts over the past few months in which experian and XXXX deleted one of the accounts from my file but not the other, then just about two months ago the same two student loan collections showed up on my XXXX file.

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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Recently, I have began cleaning up my credit reports. I have noticed fairly quickly that I had a unimaginable amount of accounts from  XXXX . I began to review these accounts and noticed a few issues almost immediately. The biggest issue is the fact that I I have roughly  XXXX  accounts showing up as closed with a delinquent status. It is also showing that I have a charged of account status of roughly {$32000.00} total. These loans have been negatively effecting my credit and financial situation since   XXXX    . I have been denied car loans, credit cards and other financial items directly related to these student loans. My current car loan is at 20.9 % apr for a   XXXX   XXXX   XXXX  . I pay {$410.00} on a vehicle I could be paying {$200.00} a month for. I can not begin to tell you just how negatively this has effected mine and my families life. I hope you can offer some assistance or relief in this matter.

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 05/31/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (KY).
Issue: Trouble during payment process

Complaint: I first contacted my mortgage loan servicer, LoanCare, in  XXXX   XXXX ,  XXXX . My home purchase and loan included the purchase of  XXXX  separate lots, each with their own tax id, and both lots have  separate county ta xes due on them each year. The contact in  XXXX   XXXX  was to let them know they did not pay the taxes on our smaller lot for the  XXXX  tax year, and that i know owed late fees and penalties. It took months, but they finally added the second lot to my escrow account to be paid for the  XXXX  tax year. I paid the taxes myself out of pocket, and paid the penalties and late fees as well. I had made several calls to customer service and was told they could n't help me on the phone and i had to wait for them to " research ''. I never heard back from them.     I next contacted the company on  XXXX   XXXX ,  XXXX . I got an email that a disbursement had been made to pay taxes. When I logged into my account, they once again paid the taxes on the larger lot and the house, but did not pay the taxes on the smaller lot once again. The smaller lot was listed, but the due date was incorrectly listed as  XXXX   XXXX  rather than  XXXX   XXXX  like it was supposed to, which was once again going to cost me penalties and late fees. I let the company know in  XXXX  that the due date was wrong and this needed to be paid in  XXXX . They still did not pay the taxes, so finally I paid the taxes myself out of pocket so i would not incur penalties and taxes. Once again, another missed payment out of my escrow account. I called customer service several times and was told multiple times they could not help me and i needed to wait for them to " research ''. I never received follow up correspondance.     Fast forward to this month,  XXXX   XXXX  I get an email from  LoanCare that a disbursement had been made to pay the property taxes on this smaller parcel that I had already paid taxes on 6 months ago. No explanation of why now, 6 months later, they decided to pay a tax bill they missed 6 months earlier and I already paid. Now i have to try to recover my funds from the county sheriff because, of course, the customer service folks could n't help me. Also, they somehow found out about a small amount of city taxes i owe to my township every year and added that account to my escrow obligations. This township specifically says these taxes can not be paid by the mortgager, and must be paid by the homeowner, so i assume LoanCare will make a double payment on these taxes when they co me due in  XXXX . This amount should not be paid by the escrow account.     I have sent  3 requests to cancel my escrow account to LoanCare over the past year because of their constant mistakes, and I have never received a single response to any of my three reque sts to cancel my escrow account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Mortgage (Conventional fixed mortgage) with LENDER LIVE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage services was LenderLive. https : //www.lenderlive.com/ I have been calling the customer service line and was put on hold multiple times for over 45 minutes without anybody picking up the phone. I emailed twice and never received a response. I did not get my tax document either, which is why I was calling. It is very frustrating not to be able to talk to somebody about my loan and receive tax documentation. I need to file taxes asap.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: We experienced a loss due to hail, and a claim was submitted to our insurance company. After getting the check, we had to submit it to our Mortgage company, PennyMac, to sign the check. They would not just sign the check, even after signing an notarized affiliated stated we will get the roof repaired with the funds. 

We have been forced into a processes where they deposited the money in a special escrow account, and then made us go through a lengthy process of getting part of the money to start the job. This caused unnecessary delays in us getting our roof repaired. They had even promised to over night the check, after a ~5 day period. It took them almost 2 weeks to get the check out, and it was sent XXXX. 

After getting the job confirmed I called back to get an inspector out so they could inspect the job and give us the rest of our money. They failed to contact the company doing the inspection in the time they said they would ( XXXX hours ). Luckily I had pressed them to give me that companies name and number when I contacted them about getting the inspection. 

We are still trying to get the inspector out here so they can pay us the money to pay the contractor. PennyMac had demonstrated incompetency, lack of commitment, and have processes in place that force all the responsibilities on the consumer, instead of themselves since it is their requirements. I have spent hours on the phone trying to manage them, trying to work with my roofing contractor as he deserves to get paid for the work.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/26/2017 about Credit card () with AMERICAN EXPRESS COMPANY (WY).
Issue: Rewards

Complaint: I applied American Express Platinum card on XX/XX/2016. At that time, American Express gave me open account bonus which was 100k Membership Reward ( MR ) point after spending 3000 . I satisfied this requirement on XX/XX/2016 and American Express posted 100k point into my account ; however, at same time, American Express frozen all my MR points ; even the points that I earns in the previous purchasing. American Express told me that they needed to review my account to make sure that all purchases meet qualifying criteria. I understand this and they said it will take 6-8 weeks. BUT, I have already waiting 15 weeks!! I called them many times and American Express just asked me to wait. I have traveling plan in XX/XX/XXXX and I am urgent to use MR points. But, right now, I can not transfer any points from it, even my previous points. They cause extremely inconvenience to me.

Company response to consumer: Closed with non-monetary relief