milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Dear Sirs ; I recently called XXXX XXXX to discuss removal of the 30 day late that was reported on my credit that I was unaware of and was asked to put it in writing and send for their consideration, which they quickly declined. 

The issue is, I was not aware the auto-pay payment had not been processed til I received a alert from my credit tracker advising of the 30 day late. Note that I was not notified at all by XXXX XXXX until after they reported the 30 day late. 

I even called the automated system and it said my next payment was due in XXXX. I could have easily taken care of this immediately had someone let me know sooner. 

I asked them to grant me the courtesy of removing this late from the credit bureaus as it is causing me much stress as it has negatively affected my credit rating. I always pay on time, and have this on autopay since I first got this loan so I could set it up to pay automatically to ensure things get paid on time and am very disappointed this happened despite being on automatic. 

Thank you for your consideration, I do hope you are able to help me. 

Blessings to you & thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I was assessed an annual fee of {$160.00} by American Express for my credit card on XX/XX/XXXX. This fee is valid for charges fromXX/XX/XXXXto XX/XX/XXXX. I cancelled this card on XX/XX/XXXX and requested a partial refund ( 11 months XXXX of the fee. American Express refused to refund the fee and said that I had to request the refund within 30 days of the assessed annual fee. That means that they are charging me for a service that I am not receiving. Is this legal? I asked them to refund {$140.00} which shows a reduction from the {$160.00} for the month of XXXX. I would like them to refund {$140.00}. I have documentation of our discussion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-06-2016 about Mortgage (Home equity loan or line of credit) with CITIZENS FINANCIAL GROUP, INC. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm still awaiting a final payoff letter from Citizens One, formerly XXXX Mortgage, and it improperly threatened to charge me a fee. I need the payoff and lien release ASAP because we are trying to close escrow on the subject home. I have asked for the account to be closed several times, including in writing. 

I did not even know I had an account with XXXX Mortgage. XXXX XXXX XXXX transferred my XXXX mortgage there several years ago even though I paid off the debt with XXXX XXXX XXXX. I only found out about it because the escrow company discovered it during escrow proceedings. 

After XXXX of my many calls and a letter to Citizens One, they again confirmed that my now home equity loan has a zero balance. They then faxed me a statement showing a {$25.00} balance for a fax fee, asking me to send them a certified check to close the account. I called to contest the charge because I had never heard of or authorized it, and a supervisor agreed to reverse the improper charge. She also said she would have the company fax me a final payoff letter to close the account the next day. I still do not have that document, and it has been a week. 

Please contact them and make them close my zero balance loan and send me confirmation so I do not get penalized in escrow. If I do, I will seek compensation from them. I would also appreciate some payment from them to compensate me for the hours I have lost dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Credit reporting () with Innovis (NH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a hard inquiry on my credit report from CBCInnovis the dud this without my permission! I do n't even know who they are can you please help me.

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

Complaint: Wells Fargo submitted false XXXX documents to the IRS on my behalf stating that my monthly Escrow amount was XXXX, when in fact that number is incorrect and does not reflect the balance on hand when they came up with that number. They merely added the insurance and the taxes, without subtracting the balance on hand, which at the time was XXXX and evidenced by Wells own record. 

Tax : XXXX Ins : XXXX Escrow XXXX/12mo = XXXX according to Wells Fargo However according to Wells own Escrow records ( XXXX/XXXX/2015 attached ) there is a standing escrow balance of XXXX. 

Escrow account : XXXX Existing BAL : XXXX Correct Escrow XXXX/12mo = XXXX So It seems I am not only being unfairly gouged, but now they are reporting this incorrect number to the IRS which is affecting my taxes

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 02-08-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CA).
Issue: Managing the loan or lease

Complaint: According to the ECOA ( Equal Credit Opportunity Act ), I am a victim discrimination from ALLY. This company has been brought upon charges for illegal business practices and discrimination against minorities by " marking up '' or providing perspective clients higher than normal interest rates on vehicles. Although, my claim was submitted, I am still incurring high interest rates from ALLY. I also want to file a civil complaint against ALLY for this type of discrimination and I wish to file a complaint against XXXX XXXX XXXX, CA, who is the car dealership, that sought out the loan from ALLY.

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 01-06-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: I made a payment for XXXX to my insurance was to come out of business account but mistakenly was taken from my personal account. Bank notified me on XX/XX/2017 that I would have overdraft of XXXX put into my account with service fee of {$12.00}. I immediately put money in my personal account on same day bank unwilling to cancel the fee or cash advance of XXXX both of did n't have to happen. Bank robbing 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 09-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with New Era Asset Management, LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Receiving multiple repetitious collection calls from collection agency on my sons account that is in collections with New Era Asset Management. Called me XXXX/XXXX/16 at 4 separate times from XXXX different numbers XXXX and XXXX between XXXX and XXXX. On all 4 calls received during that 8 minute period, no messages were left requesting a call back. 4 calls from a collection agency in 8 minutes is collection harassment. Especially since no messages were left. In addition, this collection account is actually in my sons name, but he did approve for me to speak the them on his behalf. I spoke with them 2 days in a row in attempt to resolve the collection account balance, but there is no need to continuously make harassing repetitious phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Debt collection (Credit card) with Platinum Holdings Group, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a call today from premium asset services. The gentlemen I spoketo stated they wanted to do a settlement over the phone I said no I need it in writing. He took this as a refusal and stated that they will be filing a suit and the IRS will XXXX me. I also told him the attempt to collect a debt is past the statute of limitations he did not seem to care and continued to harass me about the settlement of the debt. I was then told that something on paper could be mailed to me once the settlement had been approved and agreed to. I was also told nothing else could be mailed out because letters were already sent to my address. Which were not.. After getting off the phone I received XXXX more calls and a voicemail from the same company mind you I had returned the first phone call. As I called a XXXX time to let them know this was already discussed a women told me I blantently lied stating she shows I talked to someone on XXXX XXXX and its not possible I talked to someone today as that person was out because of the birth of a child. Of course I was angry. Upon looking these folks up I have come to the decision practices like this need to be stopped and the FDCPA enforced. I will take further action against said company as well.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Unsolicited issuance of credit card

Complaint: I think wells fargo opened a credit card without my authorization.

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 01/27/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have submitted multiple times that Navient ( XXXX ) has committed fraud against me. My allegations are continuously denied by the organization. Yet I now see that your organization is directly suing Navient for fraud, for some of the EXACT SAME ISSUES I 've experienced. Since graduating from XXXX in XX/XX/XXXX, I 've experienced so many issues with Navient, that I actually wrote a letter to the head of the organization in XX/XX/XXXX. I included XXXX example communications to Navient / XXXX from XX/XX/XXXX and XX/XX/XXXX. I have experienced : - Payments not being allocated correctly to the proper accounts, causing my account to go delinquent be charged extra fees - even though I paid the correct total. 
- Navient auto-deducting money prior to the auto-deduction date, causing back-end banking issues on my side - Navient auto-deducting money after auto-deduction was turned off. 
- Navient charging me the wrong amount for student loans after new loan terms were agreed upon in writing. 
- Navient not releasing my co-signer, even after I made multiple on-time payments in a row. They never even let me know this was an option. 
- Navient not providing me with the proper resources to lower my student loan payments. I have been asking for over a month now for help because I was laid off my job in XX/XX/XXXX and have received zero response.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Mortgage (FHA mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (TX).
Issue: Credit decision / Underwriting

Complaint: I APPLIED FOR A MORTGAGE LOAN IN XXXX WITH PRIME LENDING AND RECEIVED MY PRE-APPOVAL LETTER FOR {$250.00}, XXXX. I FOUND A PROPERTY AND I OPENED ESCROW ON XXXX XXXX, 2015. I FURNISHED MY LOAN OFFICER WITH ALL PERTINENT DOCS NEEDED TO CLOSE ESCROW. HE DECIDED HE WOULD USE MY JOB AND XXXX MONEY TO QUALIFY WITH ME FOR THE HOUSE. I TOLD HIM THAT I HAVE A SECOND JOB, XXXX, THAT WOULD BE MORE MONEY AND CONSIDERED CONSISTENT RATHER THAN MY XXXX. HE REPLIED BY SAYING THAT THE XXXX BECAUSE IT WOULD HOLD MORE WEIGHT THAN MY XXXX JOB. I SAID OKAY BUT DID NOT AGREE WITH THAT DECISION. ESCROW 'S CLOSING DATE WAS TO BE SET FOR XXXX XXXX, 2015. ON FRIDAY, XXXX XXXX, 2015, A XXXX PRIOR TO CLOSING, HE TOLD MY REAL ESTATE AGENT AND ME THAT EVERYTHING WAS GREAT AND THAT UNDERWRITING SAID EVERYTHING LOOKS GREAT AND WE WILL CLOSE ESCROW ON XXXX XXXX, 2015. ON MONDAY, XXXX XXXX, 2015 HE EMAILED MY AGENT AND I STATING THAT IF I DID NOT GIVE MORE INFO ON MY XXXX TO SHOW CONSISTENCY THAT THE DEAL WOULD BE OFF. HE KNEW THAT I GAVE HIM ALL OF THE INFO. I GOT ALL MY PRINTED MATERIALS FROM THE XXXX IN CALIFORNIA WHO ISSUE THE CHECK TO MY ACCOUNT FROM MY EX-HUSBAND 'S XXXX WAGES. HE KNEW ALL THAT INFORMATION AND HE ACCEPTED THAT ABOUT XXXX WEEKS BEFORE THE CLOSE OF ESCROW. I WAS VERY TRANSPARENT WITH HIM. I WAS SHOCKED TO HEAR THIS. I CALLED HIM AND ASK WHAT IS HAPPENING THIS IS NEW AND HE HAD ALL THE STATEMENTS IN HIS POSSESSION. HE SAID UNDERWRITING SAID THAT. I TOLD HIM THAT IS THE REASON WHY I SUGGESTED USING MY XXXX JOB OR MY XXXX JOB. I EXPLAINED THAT IF MY EX-HUSBAND DID NOT WORK ; I RECEIVE NO MONEY. HE HAS N'T BEEN CONSISTENT. I ASKED HIM TO PLEASE USE MY XXXX JOB. HE SAID OKAY. HE CALLED ME THE NEXT DAY SAYING THAT THEY REWORKED IT SO THE LOAN CAN NOW BE APPROVED. THAT WEDNESDAY, XXXX XXXX, 2015, HE TOLD MY AGENT THAT THE LOAN WAS DENIED. HE DID NOT INFORM ME. I HEARD IT FROM MY AGENT. HE FORWARDED MY AGENT THE INFORMATION AND THEN IN A LATER CONVERSATION, MY AGENT FORWARDED ME THE MESSAGE. WHAT A MESS. IN A SCRAMBLE, MY AGENT SOUGHT A XXXX OPINION AND ASKED ME TO SEND ALL MY INFORMATION TO A XXXX LOAN OFFICER. I ASKED FOR MY COMPLETE DOCUMENTS FROM PRIME LENDING AND IT TOOK THEM FOREVER TO GRANT ME THAT REQUEST. THE NEW LOAN OFFICER TRIED SO HARD BY EVEN GOING UP TO HIS CEO BUT HE SAID PRIMELENDING HAD ALREADY FLAGGED ME AND HE COULD NOT DO IT WHICH WAS A SHAME. HE STATED IF I HAD GIVEN HIM THE LOAN PAPERS FIRST, THAT HE WOULD HAVE GOTTEN THE LOAN FOR ME BUT NOW IT IS TOO LATE. WITH THIS DECISION, I LOST THE HOUSE AND MY EARNEST MONEY. PRESENTLY, I HAVE NO WHERE TO LIVE BECAUSE I GAVE UP MY RENTAL AND NOW THE LANDLORD HAS A NEW TENANT. MY FAMILY AND I WILL HAVE TO LEAVE BY THE END OF THE MONTH. THIS TRANSACTION WAS SUCH A DISASTER AND THERE WAS SO MANY UNPROFESSIONAL MOMENTS. I AM SO DEVASTATED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Wrong Home address on my report is effecting my credit.

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 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX. The credit bureau is refusing to remove two bankruptcies from my credit report that are not my accounts. I have never submitted nor filed for bankruptcy in my life. I am XXXX years old and I've been dealing with credit for a very long time. A recurring issue I've had to fight with the credit bureau about is that they will report other persons' accounts on my credit that are not mine. This has happened to me before and is the exact same situation that is happening with these two bankruptcy accounts. The first one has a filing date of XX/XX/XXXXwith reference #XXXX The second one has a filing date of XX/XX/XXXX with reference #XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted all XXXX bureaus regarding fraudulent access to my credit file but only XXXX have fraud alert on them because XXXX was giving me a hard time. I have hard inquires on my file which was not authorized. I was informed that I must contact the companies to remove the inquires. After I did what I was informed, the companies informed me that they do not have anything in there system with my information. It 's ridiculous how I have a fraud alert on my credit report yet these companies can have access to my credit report. Who is protecting my information? Why did XXXX allow such numerous companies and some more than once access my report without my authorization. I request that each inquire get removed and I request that an update credit report reflecting such changes.

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 05-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In XXXX, I opened an count with XXXX XXXX. The account was closed in XXXX with a past due amount. At some point the account transferred to collections with an open date of XXXX XXXX. The dates are not accurate and the collection agency has re-aged this account according to the original creditor 's date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Debt collection (Medical) with Thunderbird Collection Specialists, Inc. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: This company called me on the company work landline phone, during work hours when there were customers on the sales floor, demanding I let them speak to my supervisor so that he could garnish my wages, without a judgement. He was rude and I felt bullied by him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Mortgage (Conventional fixed mortgage) with ACADEMY MORTGAGE CORPORATION (UT).
Issue: Application, originator, mortgage broker

Complaint: We went to our mortgage loan officer that we have used for all of our loans and as we were talking to him about the loan he told us because we wanted to build with XXXX his company Academy Mortgage would make us use a different loan officer. That we could not use who we wanted but who they wanted us to use in their company. We feel that that is not right and that we should be able to use someone we trust.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2018, my wife contacted XXXX XXXX to get a preapproval for a home loan for us. She was told that in order to get that done, they will have to pull her credit. She is well aware that I dont want my credit pulled again. She gave her information and they pulled her credit and they pulled mine. She did not give the consent to pull mine. They even got my name wrong on the credit pull. They just use my first name with her last name assuming that we have the same last name. We tried to get it the pull removed but they say my wife should already know that pulling her credit means pulling mine too. They reviewed the conversation and true, they cant find the consent from my wife. They must have used the number from the old file to make the pull. Weve been in contact with the executive office and when she told us that, we requested that she put it in writing but she refused to do so.

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 05-06-2015 about Mortgage (Other mortgage) with loanDepot.com, LLC (HI).
Issue: Application, originator, mortgage broker

Complaint: I am have been working to get a mortgage for over 2 months now. The lender, Loan Depot, has been slow the entire time and takes days to review a single document. We 're finally at the Final Review stage and now they come up with more things that could have been done weeks and weeks ago. This lender has done nothing to help move along the process and has in my estimation, held up the loan with their service. My broker tells me they are short staffed and got a whole bunch of mortgages because the rates are low. But do n't they have to have some sort of time frame to get things done in? Are there any federal or state guidelines? The contract I signed with the seller expired on XXXX XXXX and she was ready to cancel. I talked her out of that by going to another lender locally here in XXXX. This was XXXX weeks ago. The new lender, XXXX XXXX XXXX has been much better. They wanted my appraisal and began the process of transferring it over from Loan Depot. No surprise, but Loan Depot delayed sending it over for a week after XXXX sent all the request paperwork to them. Loan Depot was still trying to keep my loan with them. Everything they have done has taken longer than it should have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We are applying for a loan modification in California from Wells Fargo Home Mortgage. Further documents were requested with a due date of XXXX XXXX. We attempted to make a payment on XXXX XXXX and the bank would not accept it. Our most recent payment was on XXXX XXXX. They now tell us our loan went into foreclosure status on XXXX XXXX. We can only make a payment of all the arrears plus fees which we can not afford. We would like to continue making payments as we attempt to catch up on arrears following my husband 's job loss.

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 03-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Bureau is reporting an account with XXXX a student loan supplier as being over 180 days late ... .account has been in deferment for a number of years and has never been late, yet they claim to have validated the debt which I previously supplied documentation showing that it has been in deferment and never late. The derogatory information being supplied by Transunion is completely inaccurate, I want all derogatory items removed immediately because they have NO first hand knowledge of any of those accounts.

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