milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (NJ).
Issue: Trouble during payment process

Complaint: I own a townhouse located at  XXXX   XXXX   XXXX ,  XXXX   XXXX , NJ. This property is part of  XXXX   XXXX .     The Master policy covers all insurance required by a mortgage company, i.e. all inside walls proof of this insurance has been provided on many occasions to  Loan Care   XXXX  by myself,  XXXX   XXXX  and the  Insurance  agent.      Loan Care  has ignored all of these documents and has placed lender forced insurance on my mortgage that is not necessary.

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 03/28/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (ID).
Issue: Managing the loan or lease

Complaint: We went to buy XXXX cars, and the dealership said they would run our credit once and share the info with the lenders. There were XXXX companies that hit my credit twice 10 days apart. XXXX and Wells Fargo Dealer hit my credit on XX/XX/XXXX and again on XX/XX/XXXX. How do I get the second hit removed?

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 02/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone initially started using first name and social to obtain medical treatment. In the late 2011 's I had my identification including social card, insurance card for medical, and car and driver 's license stolen. When I saw the damage, this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors, and credit bureaus initiated several disputes with XXXX, Transunion, and XXXX over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate, we 're in. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Companies like XXXX are one in the same, but neither one can help I think me and XXXX Americans are being misled by the credit reporting agencies. Thank you for helping me ~ 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 explanation
Consumer complaint received 03/17/2016 about Consumer Loan (Vehicle loan) with DriveTime (FL).
Issue: Shopping for a loan or lease

Complaint: I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by DT CREDIT on XXXX/XXXX/2016 that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: i HAVE SEVERAL MEDICAL ACCOUNTS LISTED ON MY CREDIT REPORTS ( XXXX, XXXX AND EXPERIAN ) The accounts are from XXXX XXXX  and have been in DISPUTE FOR OVER 6 MONTHS. I have ordered my reports several times and the accounts just show as being disputed but they should have been removed.

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 07/27/2017 about Student loan (Federal student loan servicing) with TRANSWORLD SYSTEMS INC (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I got a notification stating that I was in default of a Perkins Loan and was in the process of re-enrolling in school. I called the servicer to request the amount owed {$700.00}. In turn, I reached out the XXXX XXXX and requested a loan consolidation to satisfy the outstanding default. XXXX XXXX quickly turned around the consolidation and UAS ( XXXX ) received the funds on XXXX. I called on more than one occasion to get the payoff/paid in full letter to forward to XXXX University so that they could release the debt on my account. I was promised on two occasions that they would forward me the appropriate information via email only to not receive it. I called on the XXXX and held on the line while the supervisor drafted the attached letter, which is basically an account summary. This information still has not been forwarded to NLDS or www.Studentaid.ed.gov accounts and still shows as a default.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (CT).
Issue: Struggling to pay mortgage

Complaint: Selene Finance refused to process my loan payment last year when I was finally approved for a loan modification. This loan modification took 10 months because the purposely always lost my paperwork. I would email, fax and send in regular mail all required paper work and they continue to lose my paperwork until finally I got approved. They I mailed in my payment with a money order and they stated I did not pay and continued the foreclosure proceedings with the court system however they lied to me that they were going to work with me. I continued to send in new paperwork during a XXXX XXXX  XXXX and even during the XXXX of my daughter. I talked to this bank in the hospital and the funeral home and they continued to lie to me. They have already closed out the account on my credit report even thought we are in XX/XX/XXXX and the sale date is in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I would like to ask  JP Morgan Chase & Co.  to response in this channel why they make it as a company 's policy for the maximum time frame to dispute a transaction is  XXXX  billing cycles, which is 60 days, while effective for transactions processed on or after   XXXX   XXXX   XXXX    , the maximum time frame has been increased to   XXXX   days for card absent charge, from  XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ConServe (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this debt with XXXX and they told me that it would be removed from my credit and it was n't. Also I search on XXXX Office of Financial Regulations this debt collector business is not licensed to collect in the state of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Debt collection (Medical) with BC SERVICES, INC. (CO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: BC Services sent collection letters addressed to my wife, XXXX XXXX. This is improper because XXXX is not listed on the debts in any way. BC Services was not attempting to obtain contact information for me, as they already have it. BC Services was providing information to her about these debts. She and I were married after the debts were incurred. Colorado is not a marital property state, which BC Services should be well aware since they are headquartered there. 

BC Services has shown a disregard for the laws and procedures in place to protect consumers. This is the second instance of blatant disregard for the law. The first instance may be identified by Case number : XXXX. After this complaint was filed, BC Services did seek to correct that failure. 

Please note violation of multiple account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed
Consumer complaint received 10/28/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: After three years of dealing with Nationstar through an attorney and thousands of dollars of erroneous fees and attorney fees that have not been recovered, this account was recently modified. 
While waiting for the escrow analysis to be completed in XX/XX/XXXX, the XX/XX/XXXX payment was sent in for {$1300.00}. 
Once the escrow analysis was completed, the payment of {$1300.00} was calculated. 
This amount is incorrect because it was calculated before the credits were applied. The credits were due to us due to Nationstar 's improper application of insurance from XX/XX/XXXX-XX/XX/XXXX and the accumulation of erroneous fees. 
With a new loan term and appropriate credits applied, the payment calculates to {$1300.00}. 
We have brought this to Nationstar 's attention and have been put off with replies from representatives telling us " we do n't reamortize ''. The loan was NEVER properly amortized in XX/XX/XXXX. 
Please answer the questions we have written and called about since XX/XX/XXXX : 1. Where did the overage go from XX/XX/XXXX payment in the amount of {$1300.00}? We did not ask for this to go to the principal. 
2. Where is our correct statement of escrow credits and correct new payment after modification and credits? 
3. What is the additional {$8.00} added to monthly payment shown on the escrow statement? 
4. Where is our refund of the {$9.00} fee that was charged for the XX/XX/XXXX payment? ( Our XX/XX/XXXX payment was sent in by check. The check was sent back to us on XX/XX/XXXX stamped received by Nationstar on XX/XX/XXXX. The note said borrower information unknown. We were assured by Nationstar representative that there would be no late fee applied due to this error. We paid online to avoid a longer wait by mail. The fee was not removed or refunded as of now. )

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I have paid in full to tax lien in California. but they not release the lien from my credit report. I have filled dispute with transunion credit agency but still not remove lien from 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 09-07-2017 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Chrysler Capital called me at work due to a payment that I have not yet paid. I am less than 30 days late on the lease payment. However, they still did call me on a number that was listed as a work number. The representative that called admitted it was showing as a work number. This is unacceptable to be bothered at my place of work. I work for a XXXX XXXX that does not tolerate such behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (NC).
Issue: Deposits and withdrawals

Complaint: Wells Fargo has, on multiple occasions, debited my business checking and business savings account {$3.00} for viewing an image of a deposited check online. This is a feature on their website that is offered without any mention of a fee being incurred when you click on the link to view the image. I can look at check images for free in my personal checking account, but not on the business account. 

This strikes me as a penny ante way for Wells Fargo to dip into their customers accounts without expressed permission, at a low enough fee that it will go unnoticed by most. But today it got worse. I found the charge for viewing a check image on my business savings account. I have n't deposited a check into my savings account in over 6 months ( I typically make all deposit into checking, then transfer funds to savings ). It 's not even a possibility that I would have viewed a check image in my savings account last month, but they withdrew a fee from it anyway. 

I think its a sad state of affairs when a bank tricks its clients into incurring fees online without any sort of warning. I find it ridiculous that I should have to comb through my statement each month to see if my own bank dinged me with a ridiculous penny ante scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX reported that on XX/XX/XXXX I owe XXXX ; however, when I called them they said it was n't my social security number, nor my address. But they sent me a credit fraud report instead of just removing the item. It was n't credit fraud, it was an error on their part, or XXXX part. I could n't fill out the form they sent since I do n't know who is responsible, or if it was fraud at all beyond their own clerical error. I tried to call XXXX, but they were no help at all, and they said they could n't remove the information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with A.R.M. Solutions, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company ( XXXX ) whom we had over a 10 year relationship, has charged us with a {$1100.00} early termination fee on claiming we had a one year contract, which we do not. They had sent us to collection and threatening to ruin our credit record. They have refused to produce the said contract ( since it does not exist. 
XXXX XXXX XXXX XXXX XXXX, IL 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 explanation
Consumer complaint received 08-06-2015 about Debt collection (Medical) with Herbert P. Sears Co., Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This was an attempt to collect a debt for services that were never rendered. I was sitting in a dentist chair, had already been given anesthesia, and was asked to sign forms which I later found contained plans for work to be performed at future dates. I paid for the worked performed on the day I was there but was very unhappy with it so I never returned. When I began to receive bills for the anticipated work which was never performed I refused to pay. It would be like getting a bill from an auto mechanic for work he thinks he needs to do. The debt was turned over to collections so I paid it to avoid further damage to my credit. My credit report reflects the debt was satisfied but disputed, but remains on the report just the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2015 about Credit card () with COMMERCE BANK (IA).
Issue: Balance transfer fee

Complaint: I applied for a new credit card so I could take advantage of a zero percent interest rate on a balance transfer. With my application I requested a {$7000.00} balance transfer to pay off another card. I was only approved for {$4000.00} and Commerce Bank automatically did a balance transfer for {$3800.00}. They added a balance transfer fee which put me over my new credit limit immediately. I did n't ask for the XXXX amount at any time. I am concerned about negative credit reporting and additional fees and even the lose of my new zero percent interest rate. I feel this is against the Fair Debt Collections Practices Act, Fair Credit Reporting Act and is not fair and responsible lending to set me up for failure in this way. I called the bank and they said they do not report on my card. I would like my credit line increased or the balance transfer fee waived so I 'm not over my limit. I also want confirmation this will not impact my zero percent interest rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2017 about Mortgage (VA mortgage) with QUICKEN LOANS, INC. (PA).
Issue: Trouble during payment process

Complaint: I recieved a notice from XXXX XXXX at the end of XXXX stating that my payment would change. In fact, my payment went from {$810.00} to {$950.00} per month. When I called XXXX and asked XXXX about the change, they replied that it was due to an increase in property taxes. I then called the XXXX of XXXX 's revenue department and was told that the taxes had not increased. I found that yhe previous owner had the XXXX exemption and I was never informed to apply for it. When I alerted Quicken loans to this fact, and informed them that I had applied for the exemption, they told me I should show them the proof that it was applied. I will not know the results until XXXX. In the meantime I am paying the same amount in mortgage payments that I would have been paying had I purchased a home a block over for {$150.00}. I bought my home for XXXX. Also, under the VA XXXX program, I was looking to refinance in order to do some updates on my home. Where other lenders were offering at least {$24000.00}, XXXX would only offer {$4300.00}. Now the invreadr in mortgage prevents me from taking advantage of a VA refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: After wrongly being denied credit on  XXXX   XXXX ,   XXXX  , I requested a copy of my credit report from Experian. Rec 'd 1st report on  XXXX / XXXX /  XXXX   ( #  XXXX  -their  number ) which was full of incorrect info. Spoke to representative. Followed up with a ( return receipt requested {$5.00} ) mailing which included copy of my passport, homeowners insurance declaration and my request to remove/correct personal info. Rec 'd  2nd  report dated  XXXX / XXXX /  XXXX   ( #  XXXX   XXXX  incorrect phone number was removed BUT another incorrect  Residential  phone # with a New Jersey area code was added. Sent a complaint to CFPB, as there was no phone number included this time to reach a representative. CFPB notified me that complaint is closed as Experian responded. They responded but did nothing else, obviously, as today I received a  3rd  report dated  XXXX   XXXX   XXXX  #  XXXX   XXXX  which still contains that New Jersey number. When I wrote to them in  XXXX  I gave them my only  2 Phone # s, along with my passport and Insurance declaration . When I attempted to dispute this through their dispute website ( www.experian.com/disputes ) it would not accept it, telling me report # was required ( I copied it directly from this report ) nor when I entered my own personal information. Please note this is my 2nd complaint about the same thing re : the same 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 non-monetary relief
Consumer complaint received 07/14/2017 about Debt collection (Medical debt) with Medical Business Bureau (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On  XXXX  I received an alert from my credit monitoring service that an account had been added to my   XXXX    and   XXXX   report. On  XXXX  I received another alert that the account had been added to my  XXXX  report. I have no knowledge of this debt. This company NEVER sent out a dunning letter for me to respond to and just put this debt on my credit report which is against the law. Filed a complaint and the response from the company was they did not have an account for me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Credit card debt) with BLACK HILLS CHILDREN'S RANCH, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX my payment of of {$290.00} was received by Pioneer Credit Counseling, who was assisting me in debt consolidation and was paying my credit card bills as a third party. Of that amount, {$8.00} should have been disbursed to XXXX XXXX XXXX on or before XX/XX/XXXX but was not. The payment of {$8.00} was finally made to XXXX XXXX XXXX on XX/XX/XXXX. This now shows up as derogatory information on my credit report for being a month late.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Problems caused by my funds being low

Complaint: My name is XXXX XXXX and I bank with BBVA Compass with account number- XXXX I was charged several NSF , overdraft fees, and extended over draft fees. These were charged to me due to XXXX transactions and the bank continued to let XXXX company try to take the money out twice and charged me XXXX NSF fees. All the fees include a {$38.00} NSF fee on XXXX for XXXX, XXXX NSF fee for XXXX XXXX for {$38.00} on XXXX and another NSF Fee for the same transaction but a retry with another {$38.00} fee on XXXX, along with XXXX extended overdraft fees on XXXX and XXXX. That ends up totaling {$160.00} which is alot, Please email me at XXXXXXXXXXXX with any questions thank you

Company response to consumer: Closed with monetary relief