milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/13/2015 about Mortgage (Conventional fixed mortgage) with Pacific Union Financial, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was flagged for bankruptcy. I called Union Pacific and was told I could not fix the problem since I had filed for bankruptcy in XXXX. I live in XXXX, XXXX and my mortgage with the company is for a home in XXXX. I had to call numerous times and finally was transferred to XXXX XXXX the bankruptcy representative. He did some research and stated that I had filed for bankruptcy in XXXX. I informed him that was impossible and may be a case of identity fraud. After doing research XXXX found out that there was an individual with the same name and same last XXXX numbers on social. However when he researched looked for the birthdate and whole XXXX digit social it was different. XXXX promised the issue would be resolved and I would never hear of the issue again. It has been a several months and It has showed up on my credit report the last time I checked. I can not log into my Pacific Union account as it is still flagged as having bankruptcy. Pacific union should have verified all the information before flagging me as

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (Medical) with AMCOL Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently discovered XXXX accounts reported on my credit report from a company call Alcom. I didn\\\'t recognized those transaction and i filed a disputed. While in dispute Amcol send me two letters requesting payment from medical bills incurred by XXXX XXXX. this letter that came in the mail violated the debt collection act the provided any debt collection agency from contacting a disputer when the deb is in dispute. The act provide penalties for companies that violate the statute. however this company stated that they don\\\'t go by the debt collection act. they said they only go by their company policy. Furthermore, this debt does not belongs to me. This medical bill belongs to XXXX XXXX and they should charge or attendt to collect the bill from her. I never sign any documents nor summed responsibility for any bill of anyone. I demand Amcol to immediately remove the information from all credit report agency affecting my credit between 30 days. failure to comply they will be subject to all penalties by law and actual damages not limited to punitive damages for acting with knowledge and malice. XXXX company is required to act diligence in verifying the debt. they do not have not right to collect debt from anybody else that have not incurred the debt. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Other

Complaint: Despite having enrolled in the do not solicit list, I received an offer for a Chase Sapphire card. After several attempts in discussing the issue, we finally got assurance that no further offers would be sent after elapse of an approximate time period. However, we have received another offer.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NV).
Issue: Using a debit or ATM card

Complaint: I got a Wells Fargo easypay instant card and added {$150.00}. I made one purchase at XXXX XXXX, the total was {$89.00}. When I tried to make another purchase at another site, a message came up that said that the order could n't be confirm.I obviously continue trying sense I know I had {$60.00} left. The same message would come up. I tried buying from other site within my budget and nothing.I went to the bank and ask what happen?. They would say that nothing was wrong with this card to call the companies. I knew they were lying because I have bought things from those same site using XXXX, or XXXX XXXX gift card. I know XXXX dollars is not a lot of money, I just wound what they were thinking, like that I was n't going to remember how much I put in the card. I can proof how much I add an how much I wasted.

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 04-09-2018 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (GA).
Issue: Trouble during payment process

Complaint: Freedom Mortgage Company recently purchased my home mortgage from another lender.

I am attempting to pay off my mortgage as soon as possible by paying an additional {$500.00} per month to pay down principal. This company refuses to allocate these funds to principal, and instead applies the excess funds to future payments. Multiple phone calls have resulted in conflicting information, and no results.

In my first call, I was told they would make a note on my account to ensure future payments would be allocated properly. The next month they were not.

In my second call, I was told that they could not process principal reduction payments from electronic payments, only if paying by check.

The next month I sent a check clearly showing the allocation I desired. Freedom Mortgage ignored my instructions, and allocated my funds to future payments. Their representative was clueless and said a supervisor would call me back. I received no such call.

Additionally, in my second call, I was told there were multiple fees to pay off my mortgage in full. I asked for and was told I would be sent documentation from my original mortgage contract allowing such fees. No such documentation was forthcoming.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (Medical debt) with R.M. Galicia, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XX/XX/XXXX I applied for an auto loan and was rejected by one loan company and given a higher interest by another, which pointed out I have a collection item on my credit so my credit is not excellent and I could not get financing at top tier. I pulled my credit reports and I had a collection account reported by XXXX XXXX XXXX ( XXXX ) for the amount of {$1700.00}. I sent a letter to XXXX on XX/XX/XXXX asking them to verify the debt. I also disputed the collection  with XXXX and XXXX. XXXX confirmed/verified the collection with them so no changes were made by either of the bureaus. Meanwhile, XXXX has failed to send the debt verification as required by law and to seize collection activities. On XX/XX/XXXX I received a letter from them dated XX/XX/XXXX that they are in process of obtaining the documentation, which I have requested, and that they will forward such as soon as they obtain it. As of today, XX/XX/XXXX, they continue to report the collection to the credit bureaus and they have failed to provide any debt validation proof. As a result of their placed collection without validation I had obtained an auto loan at not best terms as their alleged debt bring my credit enough points to get into second tier financing.

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 09/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A breach of a debt collector, for XXXX account, which never existed in the manner presented. It has affected me a great deal, by delaying mortgage loan process closing down on my first home loan on XXXX/XXXX/15. 
I was devastated about the action by the third party I have never heard before. I had not received any statement of collections from them about this debt. 
I had not receive any notice from this third party ( Enhanced Recovery Company ) prior, but they sent the debt to the credit agencies which it apparently stopped the home closing. 
I sent a letter of protest on XXXX/XXXX/15 to ( Enhanced Recovery Company ) the third party agency collecting for XXXX. 
XXXX This Saturday XXXX/XXXX/15 was the first time receiving a letter from ( ERC ) about this account collection via XXXX. I had sent them protest notice on XXXX/XXXX/15, but the debt had already reported to all credit agencies before notifying me. This is against consumer right & protectionI will like to pursue legal action against Enhanced Recovery Company and XXXX. 
Sincerely, XXXX XXXX

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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There is a {$12000.00} outstanding mortgage balance listed on my credit report for a mortgage I no longer have. The XXXX XXXX XXXX XXXX XXXX took over the mortgage : first and second mortgage yet the second one continues to be listed on my all 3 of my credit reports : XXXX, Transunion and 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 07/21/2015 about Mortgage (FHA mortgage) with Selene Finance LP (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been attempting to work with representatives at Selene Finance for over a year on resolving the short-sale or Deed in Lieu of my former home. I am constantly promised return phone calls and resolution to my matter month after month, only to learn that my case has been once again reassigned upon following up. They NEVER return my calls within the time frame given and I am always given " the run around '' when I call concerning the status of my account. For the last two weeks I have been promised phone calls to discuss resolution, but have yet to receive XXXX. I again called today to get a status update, but no one could give me an answer, nor did they have any idea what I was talking about. I have tried to be patient with them and have given them more of my time and information than necessary. Their customer service is a disgrace to the finance industry and is costing me valuable time that I could have had my home on the market and sold, but can not list it without their approval. Their lack of urgency has also cost me XXXX previous interested buyers in the past when my home was eligible to be placed on the market. They have no structure or protocol to follow with respect to these situations, which has brought me to this point.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I experienced some health issues XX/XX/XXXX and was hospitalized in XX/XX/XXXX and XX/XX/XXXX. At the time, my student loans were still within the grace period, with the exception of XXXX consolidated loans. As soon as I was made aware that my loans were coming due, I spoke with a customer representative and explained my recent health complications and my inability to make the large student loan payments. I was told that I could apply for the income-based repayment plan and to complete the application online. My first attempt to complete the online application was in XX/XX/XXXX. I was later contacted by FedLoan about my payment status. I informed the representative that I completed the online income-based repayment application. The representative was unable to locate the application. I made several more attempts in XX/XX/XXXX and XX/XX/XXXX. I contacted FedLoan and StudentLoan.gov regarding the issues with the online application. There are online-accessible records reflecting XXXX of my XXXX, XXXX attempts. It was not until XX/XX/XXXX that the application was able to be processed and this was only after an hour or more conversation with a representative that assisted with the application and technical issues. The representative kindly stayed on the phone with me until she was able to see confirmation of the completed application since I had previously submitted several applications. At no time during any one of the numerous conversations with the representatives from XX/XX/XXXX to XX/XX/XXXX, was I ever told to request a forbearance to resolve the late/outstanding payment. Rather, due to the technical issues we were advised that the issue would be resolved upon the approval of the repayment application. It was not until I received a subsequent call regarding the late payments, which were not the income-based repayment amounts, was I told that the late/outstanding payments issue had not been resolved but that I could now request a forbearance since I was unable to pay the delinquent amount. I completed the forbearance request and was later approved. It was not until recent that I discovered the late payments reported to the credit bureaus. I submitted a dispute based on the forbearance and was information that retroactive forbearance do not relate to any credit reporting, which I think is unacceptable but nonetheless. However, my XXXX consolidated loans began reflecting late payments when I was experiencing health issues. More importantly, the late payments reported for XX/XX/XXXX and XX/XX/XXXX do not accurately reflect the circumstances and inability of processing my numerous repayment applications through no fault of my own and due to technical and/or communication issues with StudentLoan.gov and Fed Loan. Additionally, I should have been made aware that the application issues would not resolve any outstanding payments and advised of my option to request a forbearance.

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

Complaint: I have been disputing identity theft with a XXXX account that was fraudulantly opened up in my name. I disputed this information with all XXXX credit reporting agencies. XXXXtransunionXXXX. I have also attempted to contact XXXX ( I have no acct number ) to report this theft. I also requested a fraud form to fill out for there investigation as this happened to me with a XXXX credit card as well. XXXX sent me a fraud investigation form which I filled out and returned so they can do there investigation. I received confirmation that they did there investigation and it was proven that I did not open this account and it was fraud and it is to be removed from my credit reports. However XXXX has still failed to send me the form and the credit beaurous just keep updating the incorrect information. I am fustrated and aggravated that I am spending countless hours and time trying to get this fraudulant information off my credit reports. I am submitting this complaint in hopes that they finally do a proper investigation and remove this from my report as it is affecting my credit score and affecting me in obtaining 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 explanation
Consumer complaint received 10/26/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: My experience with the store XXXX XXXX in XXXX has been the most infuriating and I was tricked into getting a Home Depot credit card. My boyfriend and I recently purchased a house and needed a washer and dryer. I already have a Best Buy credit card and they had a promotion for 36 months interest. We were going to purchase them from Best Buy, but when we went into this store on XXXX/XXXX/XXXX, we were informed by an appliance employee that if we applied for the Home Depot credit card, we could get {$600.00} off a better ( and more expensive ) XXXX set and the next day was the last day of the sale. I was also informed that delivery was typically 2-3 days. The next day, after I got approved for the credit card, I came back to the store to purchase the XXXX set. After about an hour and a half the same appliance employee could not figure out why the {$600.00} was not being deducted. Another 30-45 min goes by and he tells me he finally figured out that the {$600.00} only applies to the washer and dryer if we purchased all kitchen appliances as well. Heartbroken that now Ive fallen in love with this XXXX set, I ask to speak with a manager. The manager only speaks with the employee over the phone and agrees to take {$350.00} off. When he comes to perform an override on the system for {$350.00} off, he is on his phone and does not even acknowledge my presence. All in all, after being at this store for almost 3, maybe 4 hours and paying about {$300.00} more than my budget, I was ready to get out of there and finish painting my new house. Instead of the normal 3 days, I didnt get my set until 6 days later XXXX/XXXX/XXXX. They showed up with a XXXX set so I refused the delivery. I went back into the store and spoke with the delivery manager. She said she could try to find the sale price on the XXXX set so I waited again for about another 30-45 min. She said she could give me the sale price for the XXXX set but she couldnt give me the additional {$350.00} off. I again waited to speak with a manager. This time the department manager said he couldnt take {$350.00} off and he was off the day I made the original purchase. He stated that he would not have approved the discount if he had been working that day. He did not offer any solution to the problem, and didnt care that his associates were misleading and giving out incorrect information to customer. After getting my refund, I left with no washer and dryer and only the feeling of being tricked into a Home Depot credit card.

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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (AZ).
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: Convergent Outsourcing responded to complaint :  XXXX  the representative  XXXX   XXXX  stated that the company would remove the account from my credit report.  <P/> Ive called the number she gave in her response to the CFPB and it was not to her Ive sent an email to the email address she gave and they have all come back undelivered.   I have called the convergent outsourcing number to have them tell me, the account is still showing on my report and " if it were to be removed it would be done in 45 days. '' In my earlier statement I told the CFPB and the rep from convergent that this inaccurate bill is negatively influencing my career, as maintaining good credit is a requirement.   In addition I told the CFPB of the   XXXX   continuing to fight with the company for repeatedly putting false information on reports and not adhering to federal law.  <P/> this company needs to be fined, stopped from practicing or sued!   if this inaccuracy causes me my career, I am suing.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: calls all day long every day

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with DataMax Corporation (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was already paid, however it was n't mine, and it 's on all XXXX of my credit bureaus saying it was a paid collection. They never removed it! A {$96.00} debt!!!! Seriously?!!!

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 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: i have written many times to the creditors and called about the existing late delinquencies on my credit report, for several account such as (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ), i have sent many letter and disputed the delinquencies. even i have written to the credit agencies (  XXXX , transunion and  XXXX  ), but no action has been made. i need your help in this matter, please have creditors take out the late ( remov e ) fr om my credit reporting agencies.   i would greatly appreciate

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 11/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do n't know where this XXXX bill came from.! I 'm trying to fix my credit!!

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I found numerous errors in the XXXX report issued on XXXX XXXX, XXXX : wrong names associated with my personal information ( SSN, DOB, address, etc ). I also found that my unlisted phone number is actually listed in several marketing databases even though registered my phone number with no-call list maintained by Federal Trade Commission. 

I attempted to contact an American representative of XXXX company but after about 20 calls all I was getting was XXXX customer service, and did n't feel comfortable revealing any personal information to them, especially after my identify was stolen 2 years ago, possibly by some overseas customer service representatives.

Company response to consumer: Closed with explanation