milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: I started a home refinance with Wells Fargo in XX/XX/XXXX. I have met all of the conditions, been approved, paid for the appraisal, submitted all necessary doc -- several times. I keep being told everything is fine, just paper work delays on their part, yet is going on 5 mos now and we still have not closed despite being told repeatedly everything is fine. We were originally set to close in XX/XX/XXXX. When I 've called and emailed management, they apologize and say they will look into it and call me back ... 2 times they said this and have not called back. I would appreciate assistance with this, every month I am delayed I am pay hundreds of dollars more for my mortgage. 
I then receive and email from the customer service manager for mortgages asking how the loan is proceeding. I respond with the issues, and he replies that he will call me the next day. He does n't call or returns my emails. 
I now have been asked to again provide updated documents because the other have expired because this has take so long. I want to emphasize, we qualified for the loan, have had no issues with out paperwork and have many emails saying everything is fine.

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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Previous request to remove ( as of  XXXX   XXXX  ) negative  XXXX   XXXX  account ignored ; satisfactory account   XXXX   XXXX   deleted instead  ( n ot scheduled for deletion until  XXXX  ). Why?

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 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: Attempted to obtain credit report and failed. Accessed Experian website to set a freeze and failed. Attempted to file an online upload of documents to resolve issue/understand what information the company has regarding my file and failed. Followed the steps on the upload screen, completed name, address, SS #, email, etc and then entered step 2 to upload documents. Made several attempts, verifying that I was sending black and white PDF documents with a total of less than 15MB. Failed on repeated attempts. 

Telephoned XXXX to determine if they were experiencing system problems but after 45 minutes I gave up. 

Based on information from the other credit services I believe Experian has inaccurate information recorded in my file, causing me to enter information that does n't match their current information and effectively LOCKING ME OUT of my own data. Because of their acceptance of any credit transactions ( including personal information ) with a lack of input edits and failure to validate and/or authenticate information they accumulate inaccurate data and then treat it as if all is correct.

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 07/17/2015 about Money transfers (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (NV).
Issue: Other transaction issues

Complaint: JP Morgan Chase Bank will not refresh their wire system in order for XXXX XXXX to receive wires. We have tried to contact them, but to no avail. The Routing and Transit number of the credit union is XXXX. For over a year, they XXXX XXXX XXXX XXXX has been able to receive wires directly, but Chase is the only bank not cooperating. They send them to a non-existent XXXX party financial institution. Please Help..

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Prepaid card (General purpose card) with PAYPAL HOLDINGS INC. (CA).
Issue: Adding money

Complaint: I have had a PayPal account for years, as well as their PayPal Prepaid debit card, also for years, both in good standing. 

Yet, since last Thursday, I have not been able to load my card with money from my PayPal account, even though there is plenty of money in the account, and the card is in working order, by PayPal 's own admission. 

I have called them at least 10 times since last Thursday. Sometimes they tell me it 's a system issue they are trying to resolve ; other times they say it 's website maintenance, other times they simply tell me to keep trying, that they have noted my problem and will fix it. 

But NOTHING has been done. 

I need this issue FIXED ASAP, as that card is my ONLY way of making purchases in-person at the market, and the drugstore, etc. It 's my ONLY way of accessing my funds from my PayPal account. 

Every time I speak to a rep ( in XXXX ), they put me through a whole circus of hoops to jump through, only to tell me the same excuses I listed above. 

HELP! 

I do not work for a living anymore, as I 'm an XXXX patient and am nearly homebound. That card is my only way of making purchases, such as for medicine. 

HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I disputed this item with Equifax that this item does not belong to me, they came back saying that this item was verify by the creditor and that I should contact the creditor for more information. I try get them to tell me what method did they used to verify this information, but was told that it all electronic and there is not a person that they spoke with. I asked then how can you verify this information when you did n't speak to a rep from the creditor but she say that how Equifax verify information. I contacted XXXX XXXX XXXX XXXX to send me a the contract agreement that I consent to contract but they refuse to sent me the information instead asking me to resend the information that I already sent to the in my letter, which include the account number, the date of last activity, account satuts and amount due/charge off. XXXX XXXX reporting on Equifax that this item was charge off /sold {$8500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Mortgage (Other mortgage) with PLAZA HOME MORTGAGE, INC. (HI).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wife and Husband, Tenants By The Entirety ( hereinafter " XXXX '' ) purchased Loan Policy/Escrow No. XXXX, XXXX XXXX XXXX XXXX XXXX COMPANY for PLAZA HOME MORTGAGE, INC. in 2006, as well as purchasing a Owner 's Title Policy No. XXXX XXXX XXXX XXXX XXXX XXXX for XXXX also in 2006.

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 09/26/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: CMRE. XXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. 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 CMRE. XXXX 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 including : 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 : CMRE. 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, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX 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 explanation
Consumer complaint received 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XXXX XXXX XX/XX/18 XXXX XX/XX/18

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 04/26/2017 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: There is a company called Central Financial Control who is refusing to delete a series of collection accounts from my report. I do n't know who this company is, what services they offer or why they want money from me.     I 've never had any business dealings with them in the past and they have never provided me with any supporting documents to back up the debts they are claiming I owe them.     There are currently  XXXX  past due accounts being reported to my credit by them! These are the account numbers and balances that I could pull out from a recent credit report : Account # : "  XXXX  '' and {$14000.00} balance ; Account # : "  XXXX  '' and {$4700.00} balance ; Account # : "  XXXX  '' and {$2200.00} balance ; Account # : "  XXXX  '' and {$740.00} balance ; Account # : "  XXXX  '' and {$740.00} balance ; Account # : "  XXXX  '' and {$690.00} balance ; Account # : "  XXXX  '' and {$690.00} balance ; Account # : "  XXXX  '' and {$690.00} balance ; Account # : "  XXXX  '' and {$690.00} balance ; Account # : "  XXXX  '' and {$73.00} balance ; Account # : "  XXXX  '' and {$73.00} balance ; Account # : "  XXXX  '' and {$73.00} balance ; Account # : "  XXXX  '' and {$50.00} balance ; The only information I can find for them online are bad reviews and scam stories by other consumers who have been taken advantage of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CT).
Issue: Loan modification,collection,foreclosure

Complaint: In 2007 I had taken out a home equity loan in the amount {$100000.00} at a interest rate of 7+ % over a 30 year term at a {$690.00} per month payment. I still have my first mortgage, which is through the same bank, Citibank, which I am paying approximately {$1100.00} per month. I 've been trying for over a year to gain a modification from Citibank, because I am now XXXX years old, living on a fixed income. I 've suffered a XXXX over a year ago and had to let go of my second job, which limited my income drastically. My wife whose XXXX income is less than {$8000.00} per year is not able to assist me. This is my second time around in applying for a modification with Citibank, but they keep giving me the runaround, asking for the same documents repetitively. I feel they have no interest in helping me modify this mortgage. As a XXXX, I am requesting the CFPB to help me in getting this modification accomplished.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2018 about Debt collection (Other debt) with Radius Global Solutions LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a collection letter from XXXX XXXX XXXX XXXX. I do not recognize the original creditor and do not have an account with the original creditor, and I searched the telephone number of the collection company, there is no such number!I believe it's a scam and trying to deceive me into payment them. Let other people see the info and be careful!

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CA).
Issue: Settlement process and costs

Complaint: I had issues with US Bank on a recently closed escrow where I asked for impound accounts and they didnt to and charge me more money

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: When I recently raised a discrimination complaint against Equifax , they retaliated with my and reinserted XXXX prior State Tax Public Records which were previously deleted and paid. These public records were not on my file in XX/XX/XXXX and were deleted by Equifax last year in 2015. This is blatant Credit Discrimination in itself towards XXXX XXXX who are trying to progress financially and obtain access to credit as other majority U.S. Citizens. I am requesting the GA State Public Records be removed from my Credit File which were previously deleted by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Transaction issue

Complaint: I ordered and obtained a {$500.00} secured credit through Bank of America to help bring my credit score up. My first minimum payment of {$25.00} was due on XXXX. I paid {$250.00} towards my balance on XXXX. The standard processing and posting time for a payment is two business days. I went to use my card at the grocery store today and it was declined. I called BofA and was told my available credit was {$1.00}. The rep informed me that the payment was received but has not been posted. She had no answer as to why this was. I then spoke with a supervisor who also had no concrete answer as to why the payment has not posted. My concerns are as follows:1. I did my part and paid my bill on time and I should be able to use my card. It is highly embarrassing and inconvenient to be told your card is declined when in actuality it should n't be. 

2. The account that I paid them out of has more than ample funds in it for the transaction to go through without any issues whatsoever. 

3. Are my funds in some type of holding account that B of A is drawing interest from? 

4. My biggest concern is that I initially a requested the card in an effort to bolster my credit score. If my balance is not at least 50 % of the total balance at the end of any reporting period, my credit will negatively affected. 

5. How many othe consumers are having to deal with this? 

6. What if I encountered an emergency and was unable to utilize my card? 

I beg you to assist me in resolving this issue. At this point I do not know where else to turn. 

Thank you, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report

Complaint: This is a multi-part problem with Citimortgage. XXXX XXXX XXXX XXXX. covered my total XXXX for 9 years, but refused to honor my XXXX policy for vocational rehab, so I lost 75 % income overnight and got into financial trouble. That left me with Soc. Sec. XXXX and Calif. Dept. of Rehab. Calif. has poor enforcement of XXXX insurers, no atty would take a case for 4 years of voc. rehab benefits. I fell behind on my mortgage. Keep Your Home Calif. would not help me because they illegally count XXXX income as net income ( there is no taxation for this income, thus, it should not be reduced for withholdings ). Citimortgage would not allow me to refinance to a lower interest rate ( I was at 6 % and rates dropped to 2 % ). I could not get a loan mod. My XXXX income date fell 2 days after my mortgage pmt so I was always late, accruing $ XXXX/mo late fees. I caught up on the 2 missed payments and begged Citi for a new payment date so I was n't always late, but I never missed a payment. As a compromise, XXXX XXXX, of Citi 's Executive Unit said when I sold my home she would reimburse me the late fees. I sold my home XXXX and no one in the Executive Unit would honor her promise. She no longer works there. After I sold my home ( not a short sale or foreclosure ), I paid off the mortgage in full. I did not file for bankruptcy, nor did they reduce the payoff of the mortgage. I have moved 5 times since I sold my home trying to start a new life and continue on in school ( vocational rehab ). I only found out a couple months ago, Citimortgage reported me to the credit reporting bureaus as a foreclosure. I file the correction, but they refuse to take off the 2 missed payments from 2011. I feel Citi made me pay late fees for my " mistake '' of late payments. I now feel they owe me for their mistake of reporting my total payoff of my mortgage as a foreclosure -- it cost me a bad credit for over a year ( until I discovered it ). They refuse to apologize or discuss honoring XXXX XXXX 's promise as a compromise. This has made it hard to re-start my life. If they can dish out punishment for mistakes, they should also have to pay for theirs. Thank you for listening to my views. ALSO, DO NOT BUY XXXX INSURANCE UNTIL THERE IS ENFORCEMENT BY STATE GOVERNMENTS. CALIF. DEPT . OF INSURANCE REFUSES TO ENFORCE XXXX BENEFITS, LEAVING TAXPAYERS TO PAY AND CAUSING THE XXXX TO LOSE THEIR HOME.

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 Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: PLEASE ADVISE THE STATUS OF MY COMPALINT ( XXXX ) FILED WITH CFPB ON XXXX XXXX, 2017!!

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 10/25/2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar bought my mortgage from XXXX XXXX XXXX and are refusing to honor my original contract with XXXX XXXX XXXX. My XXXX XXXX XXXX contract had me paying 1/2 my payment every two weeks .. this resulted in one full extra payment every year ( good ). However Nationstar says they are forbidden by a contract with XXXX XXXX from honoring that portion of my original contract. .. They have contracted with XXXX XXXX to process payments for them in that manor ( of which they charge an additional XXXX a year to do ) ... .. ... I am still paying my payments every two weeks ( to honor my contractoral agreement ) .. but Nationstar is refusing to apply the full amount I pay to the acct. They are putting it into a SUSPENSE ACCT and only taking out what they say is my monthly payment ... which is resulting in them not applying the extra to the principle which is resulting them in charging me extra interest ... I have also contacted the Attorney General and am hoping that they criminally charge Nationstar as well for Embezzlement.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Debt collection (I do not know) with Stanislaus Credit Control Service, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On this date XXXX XXXX, 2015, I reviewed my credit report and notice that STANISLAUS CREDIT CNTRL placed a collection account on my XXXX XXXX and XXXX credit report. This is my first knowledge of the alleged debt. I have NEVER heard nor received any notification through the United State Postal Service from this company. I am enforcing my rights under the Fair Credit Reporting Act and the Fair Debt Collections Act, due to failure of contacting me prior to placing a unknown alleged debt on my credit report without a clear notification of who the original creditor is and informing me of my rights to dispute with request for validation. STANISLAUS CREDIT CNTRL has CLEARLY violated the Fair Credit Reporting Act and the Fair Debt Collections Act by not sending proper notification and informing me of the proper disclosure verification of debt that is required by Federal and State Laws, according to Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), ( c ) ( 2 ) ( E ), 611 ( a ) 1 ( A ), and Fair Debt Collection Practices Act Section 809.

Company response to consumer: Closed with non-monetary relief