milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/24/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (MN).
Issue: Closing on a mortgage

Complaint: My lender made adjustments to our closing disclosure after closing since they did n't disperse the correct funds to the correct places. I was issued several additional closing disclosures, but they did n't balance and some of the numbers were stating amounts that were n't accurate. The lender sold the loan to a servicer and is no longer responding regarding corrections to the closing disclosure. I requested a copy of my final closing disclosure from the servicer and the only send me the original and not the revised versions. Keep in mind that I still do n't have a closing disclosure showing the correct amounts paid at closing that balances. We closed on  XX/XX/16   . We originated with  XXXX   XXXX  and the loan was purchased by PNC Mortgage. I have contacted both many times to fix this, and they have only sent the original one. I attached the correspondence with PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Student loan (Non-federal student loan) with SIMM Associates, Inc. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: School is XXXX in XXXX, NC. Simm Associates, a collection agency, left several voice messages and then sent a letter informing me they were collecting for a delinquent student loan, for which I am the cosigner, with XXXX. This loan is being serviced by XXXX. After contacting XXXX, I was told the loan was NOT delinquent and since the student not graduated yet, it is impossible for this loan to be declared deliquent. The agent at XXXX was very helpful. When I contacted Simm Associates, the collection agency, at the number listed on the letter they sent, I was asked for identifying information such as my date of birth. I declined to provide any personal information and offered the account number from the letter. The agent refused to continue the call unless I provided this personal information, and which point I ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I applied for a reverse mortgage and was not understanding any of the procedures and most facts. I simply did not understand the ramifications or mortgage satisfactions. I needed to get rid of my mortgage payment as I was unable to make ends meet. I am aware of paying off my home mortgage for {$27000.00} which I believed was the mortgage I had. None of my XXXX mortgage satisfaction statements are in this amount. I also have satisfaction of mortgage statements for {$30000.00} filed as document loan # XXXX XXXX dated XXXX and recorded XXXX and notarized in Montana on XXXX. There is certificate of satisfaction of mortgage for {$33000.00} document # XXXX dated XXXX recording date XXXX ; and notarized XXXX XXXX XXXX Last satisfaction of Mortgage is loan # XXXX NM dated XXXX ; recorded XXXX and notarized in Montana XXXX XXXX. Also included is Schedule of liens for Home Mortgage of {$27000.00} and unknown Wells Fargo Bank lien XXXX for {$33000.00} of unknown date under schedule of Closing Costs. Dates and amounts of money are not congruent and it seems there has been some error or mischief involved with so many " satisfactions '' of mortgage which I do n't know anything about and need explained. At the time of closing I received a check for a little over {$20000.00} and my home had been assessed for {$150000.00} and my home mortgage was about {$27000.00}. It does n't seem to me that I received the correct amount of money. It seems that the amount is way too low. Enclosed also is a reverse mortgage statement of XX/XX/XXXX and a letter of confirmation of loan payment ; loan # XXXX that has no signature or amount. I have tried to understand the statement, phoned Wells Fargo and others and still do not understand it. I do not understand what has happened to me and need help in addressing the problems I still have with it. I have been suffering from inertia regarding this and am reaching an age where I feel I need my papers in order which they are not. Please help me.

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 05/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: There were XXXX liens appearing on my credit report. NYS Taxation vacated XXXX liens which were always erroneous. I provided letters showing the vacating of the liens to TransUnion. Instead of removing the liens, they reported the liens as being paid later and to be removed from my credit report later. XXXX are adverse actions to my credit and not reflective of the documentation that I provided from NYS Taxation and aknowledged by the XXXX County Clerk.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Student loan (Non-federal student loan) with AES/PHEAA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I took a student loan through American Education Services while I was going to college at XXXX XX/XX/XXXX-XX/XX/XXXX. The original loan balance was {$11000.00}. I started paying the loan in XX/XX/XXXX over 8 years ago and my current balance is still {$9200.00}. I have not missed a payment in 8 years. I receive notices several times a year that my monthly payment amount is changing though there is never an explanation as to why. I have called to request overpaying the principal each month in order to pay down the loan faster and that was denied. They said I would have to mail a separate check each month and that I could not adjust my auto-debit. I also have called to request consolidating this loan and have been told twice that it is not possible with the type of loan I have. 
I have XXXX other student loans ( some federal, some private ) that are all coming down nicely and set to end in the 10 year period originally defined. I feel that this company is gouging interest and unnecessarily extending the life of the loan. If I continue on this path I will pay more than double the original loan amount and it will take over 20 years. This is unacceptable to me considering all XXXX of my other loans do not work this way.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was negligent in safeguarding my personal information opening the doors to the potential of lifelong identity theft. They also did not notify me in a timely manner when the data breach was discovered.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft and noticed a collection from COMMONWEALTH FINANCIAL. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against COMMONWEALTH FINANCIAL in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: a debt from XXXX was found to be inaccurate when listed with another collection company XXXX and was removed. Now they put it back on my report under a different collection company 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 02-07-2017 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CT).
Issue: Loan modification,collection,foreclosure

Complaint: I had a XXXX XXXX loan with a 10 year balloon, that was ending on XX/XX/2016, with Citi Bank. I contacted Citi at the end of XX/XX/2016 and requested options as I could not afford the increase from $ XXXX. to almost $ XXXX. We decided that I should apply for a hardship and try to see if we could get the payment lowered, which I did in the first week of XX/XX/2016. It has now been 8 months, over XXXX emails that I have sent and more than that received and still they are requesting additional and also the same, info. A lot of items they have asked me for, XXXX and 5 times! Or after having sent in the time sensitive info requested, they get back to me 2 months later and say it is outdated-and to resend it the updated info again. I have been borrowing the monies from relatives and credit cards to pay the additional payment, in the hopes that I could get a manageable payment. I was initially told by contact person at Citi, that I would have an answer by XX/XX/2016. I have contacted supervisors who sent me a detailed copy of all our emails and said basically this is a normal process. I am paying XXXX % on the credit cards for cash advances and can not keep this up. I want to pay my debt, but can not continue to wait this ridiculous amount of time. I do n't know if they are doing this on purpose, but ca n't imagine this is a normal time frame. I do n't know where else to turn and just looking for some guidance. They also auto deducted from my bank account the new increased payment XXXX month after I was told the payment had been canceled, per my request. Thank You for you 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 non-monetary relief
Consumer complaint received 02/25/2017 about Debt collection (I do not know) with Advanced Collection Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: ADVANCED COLLECTION ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX Fl. 
XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify ADVANCED COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission ADVANCED COLLECTION acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Debt collection (Credit card) with Alliance Data Card Services (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Two unscrupulous representative harassed my husband and informed him about my delinquent debt and all detailed information about my account in order to obtain a payment. I have never provided his telephone number nor authorized anybody to share information with him. 
The creditor is Comenity Bank, phone # XXXX the two debt collectors names : XXXX at ext # XXXX and XXXX at ext # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I recently found out because of letters from chase bank that I owed money on a checking account opened XXXX of 2015. I did not open this account nor did I have any knowledge it was opened. After repeated calls to chase informing them that I did not open the account and this is a case of identity fraud the basically told me there is nothing they can do. I ca n't believe that chase can open an account that was fraudulent to begin with and now they havemail no one for me to contact within chase to help me fis this.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Eastern Account Systems of Connecticut, Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Eastern account systems did n't provide adequate verification for debt in question no documents were provided showing a contract or signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Medical debt) with BCA Financial Services, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I had accrued medical bills from a trip to the emergency room which ended up being transferred to the collection agency listed here : BCA FINANCIAL SERVICES,XXXX. Contact Information : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX, ( XXXX ) XXXX. When i contacted this company to pay my debts they assured me that paying them in full would result in them fully absolving the debt along with removing the delinquencies from my credit report and marking them as paid on time. The derogatory marks remain on my credit report and continue to hurt my credit. I would very much appreciate any action that can be taken to get the company to honor their agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen Mortgage has not communicated with me regarding my deed in lieu of foreclosure. I have not been informed ( in written form or verbally ) of an agreed upon vacancy date or relocation allowance. 
People are showing up at the home to change locks, as they have been told by Ocwen that the home is vacant. 
Ocwen has too many departments that do not communicate with one another regarding customer status.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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 have fraud alert added to my credit report because I found about six unauthorized hard inquiries on my credit report. After contacting XXXX & Equifax about to them, XXXX immediately removed them, Equifax has kept them on. This is fraud and I want them removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (CA).
Issue: Wrong amount charged or received

Complaint: I used Pay Pal to purchase items which I later returned. The amount was {$73000.00}. Pay Pal only processed {$150.00} to my credit card, keeping the rest, {$580.00} in Pay Pal. I received no email, phone call, or contact explaining any problem. Only when I tracked my account did I discover that Pay Pal kept my money. I called and emailed them multiple times. The email responses were robotic responses that had nothing to do with my issue. When I phoned them, they initially kept me on hold for 20 minutes and then and they kept me talking with a female " XXXX '' and her supervisor " XXXX '' and on further holds for 55 minutes while they continuously refused to refund my money, insisted that I give them my bank account and debit card numbers and codes, and blamed my XXXX card for why they did not return the entire amount. I contacted my XXXX card and they denied any obstruction to receiving refund money. Pay Pal still has my money. They say I can request a check which could be issued in 3 weeks. This is entirely wrong and represents extortion for my bank account numbers. In this era of people 's privacy being voilated, identity and cyber theft, I am concerned that Pay Pal is putting me at risk and holding my refund money hostage, hoping I 'm stupid enough to give them access to my bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I called about inquiries on my credit report from Transunion XXXX 2016 and before, and they are not wanting to remove those inquiries off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
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: Date of service was XXXX Billed on XXXX XXXX, XXXX Called Equifax, XXXX XXXX XXXX and the medical office on the dates below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and other dates that I did not document on paper before XXXX after I got the bill on XXXX XXXX, XXXX. 

{$330.00} I have called, disputed and sent proof statement of amount as paid to Equifax because the original credit reporting agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have called XXXX XXXX XXXX so many times to show Equifax the account as paid but they say they no longer have an account with me. Equifax has placed re-investigation with the XXXX XXXX XXXX account every time I disputed them, it 's still being reported to Equifax as owed when it should have showed as paid, closed and removed by XXXX XXXX XXXX. Every time I get a report back from Equifax they say XXXX XXXX XXXX reported the information as correct. I would call XXXX XXXX XXXX once again and they would answer every time I call them that I do not have an account with them anymore and to call the hospital who took the bill back. I call the hospital every time after I talk to XXXX XXXX XXXX, the hospital reported it as paid in full and account is closed. The bill was paid by my medical insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX different Issues with Equifax concerning, XXXX different accounts with XXXX different companies : 1 ) I have XXXX accounts with ( creditor ) XXXX. The XXXX accounts were discharged via the Bankruptcy Court on XX/XX/2015. I disputed these accounts with Equifax and uploaded the Bankruptcy Order ( XXXX 2015 ). Equifax claim that they never received my dispute. Upon speaking with a Supervisor ( XX/XX/2015 XXXX at Equifax , she stated that they were using information from a dispute that I submitted in XX/XX/2015. I had not gotten a order from the Bankruptcy XXXX at that time. Equifax currently has the XXXX accounts listed as open, past due and in collections. 

2 ) Equifax has an account from ( creditor ) XXXX XXXX listed on my credit report. XXXX XXXX has removed the account from my credit report. I disputed this item. The account is currently still listed no my Equifax credit report. Upon speaking to an supervisor at Equifax , I was told that they were again using information that was submitted in a previous dispute that I filed. I told the supervisor that, XXXX had recently removed the account from my credit report. 
Equifax has refused to remove the accounts with XXXX and XXXX form my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Debt collection (Mortgage) with Fay Servicing, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Condo was returned to XXXX in Chapter XXXX BK discharged XXXX XXXX, 2013. Fay Servicing bought a pachage of properties from XXXX has has been sending collection letters, phone calls and refuses to tell XXXX County Assessor that the condo is NOT owned by me

Company response to consumer: Closed with explanation