milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/18/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have a fixed rate mortgage with Wells Fargo Home mortgage. I have been paying. {$1800.00} every month. In XXXX my statement showed a payment due for {$1900.00}. This is the XXXX time they have done this in trying to charge me more then what I actually owe. I believe this time it includes an overpayment they made to my local tax office in in my town, They have been holding an overpayment in taxes for months. They contacted me to come and get the money which I never did. Simply because I do n't pay my taxes, It 's included in my mortgage payment. 

Since XXXX they have been holding payments of. {$990.00} in unapplied funds and instead saying I owe them {$10000.00} in order to catch up on payments due. I spoke to HUD the first time they did something much like this. I have been making my payments every month, and have proof of this. They are saying I never made those payments. The payments are reflected in previous statements as {$3700.00}. In XXXX payment increments. But they still show {$10000.00} Total amount due to make loan current. I am extremely tired of the errors this company makes on my statements. It honestly feels like their doing it on purpose at this point. 

I would appreciate it if someone could please contact them on this and correct the oversight. I have already spoke to them myself over the phone and they refused to acknowledge it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian has failed to remove a canceled judgement by XXXX Bank from my credit report. The other XXXX agencies have done so. The address identification number used by Experian is XXXX. The authorization to cancel judgement by XXXX Bank was filed on XXXX XXXX, 2012 in the state of North Carolina at XXXX county district court ( XXXX XXXX XXXX ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX sent me a letter on XXXX XXXX, XXXX indicating that the XXXX reporting agencies would correct the delinquency errors on credit reports. An automatic stay had been issued on XXXX/XXXX/XXXX and XXXX mistakenly placed a delinquency on my report on XXXX. XXXX and XXXX corrected the error, but Transunion continues to list the loan as an adverse account. I disputed the account and uploaded a copy of XXXX letter ( attached ), Transunion removed the delinquency date of XXXX, updated my report to indicate I disputed the delinquency, listed the loan under adverse accounts, and will not remove the account until XXXX. Transunion has flagrantly ignored the directive from XXXX XXXX for almost 2 years.

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 02-01-2018 about Debt collection (Payday loan debt) with Enova International, Inc. (CA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I took a loan with XXXX  and defaulted. XXXX XXXX XXXX XXXX XXXX XXXX  called me and told me that they could offer me a settlement that would not only clear the debt but they PROMISED they would remove it entirely from my credit reports and XXXX their SISTER COMPANY, would also remove the marks. XXXX  did not remove the collection from my credit report but they did file a loss with the government, for which I now owe taxes.

I told the collection agency that I would eventually pay all my debt but needed to pay the debt that would improve my credit score first. They should not lie to people, who are already struggling. I've done some research and learned that XXXX  sells much of their bad loans to XXXX XXXX XXXX so I am holding them responsible for the false promises made by XXXX

Thanks, XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I contacted TransUnion Online Dispute center that they were not reporting an auto loan that I have had for 2 or 3 years. The other XXXX credit reporting agencies are and there is a big difference between my credit scores with them and with TransUnion. Them not reporting is hurting my credit. They said it would take 30 days to investigate and after more than XXXX, they sent me an email to go to the website. On it was an updated credit report NOT showing again my auto loan and no explanation or anything else. The only updated items on report was its date and my recent address in XXXX. I believe they just want people to grow tired of contacting them and give up. I went through a bankruptcy in 2010 due to the economic conditions. I have worked very hard trying to get back in the system with good credit. I simply do not understand the big deal with them. All they are doing is including an auto loan that is an important part of a credit analysis.The other XXXX agencies are reporting it. I would attached any of the company 's investigation or comments But there are none. It just shows same credit report with my XXXX address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Incorrect/missing disclosures or info

Complaint: To whom this may concern, For my records, I would like to obtain all documents related to XXXX. This should include signature cards, paperwork, etc. I would like this information because I believe there may be an Electronic Funds Transfer error in relation to XXXX and as a consumer I have the right to dispute and review transfers such as these. 

All right reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Payday loan, title loan, or personal loan (Installment loan) with Tribal Lending Enterprise, Inc. (WA).
Issue: Charged fees or interest you didn't expect

Complaint: Golden Valley Lending BBB File Opened : XX/XX/XXXX Business Started : XX/XX/XXXX Business Started Locally : XX/XX/XXXX Business Incorporated : XX/XX/XXXX in CA Phone : ( XXXX ) XXXX Web : www.golden-valley-lending.info Category : Questionable Activities Complaint On or about XX/XX/XXXX I obtained an online loan for originally XXXX XXXX Dollars ( {$1000.00} ). I was not aware of the astronomical interest rate of 720 %, that would result in my final payout would be close to {$5000.00}. After the fact ; I did research on this institution and found out they are a Tribal entity. I was not aware of this fact. There are several complaints against this lending institution, as I have given an example of the BBB below. Government Action Golden Valled Lending, Inc. On XX/XX/XXXX the Consumer Financial Protection Bureau ( CFPB ) filed a complaint against Golden Valley Lending , Inc., Silver Cloud Financial , Inc., Mountain Summit Financial , Inc., and Majestic Lake Financial , Inc. Case # XXXX. The complaint from CFPB alleges that, The companies deceived consumers by collecting debts they were not legally owed. The CFPB also alleges that the four lenders could not legally collect on these debts because the loans were void under state laws governing interest rate caps or the licensing of lenders. The CFPB alleges that the lenders made deceptive demands and illegally took money from consumer bank accounts for debts that consumers did not legally owe. The case is currently pending. XXXX XXXX XXXXXXXX Here are the two payments that I have done up to now ; Pmt Number : XXXX Pmt Date : XX/XX/XXXX Pmt Mode : ACH Fee : {$300.00} Principal : {$50.00} Total : {$350.00} Pmt Number : XXXX Pmt Date : XX/XX/XXXX Pmt Mode : ACH Fee : {$280.00} Principal : {$50.00} Total : {$330.00} I called Golden Valley Lending to find out what the pay off would be if I paid early. For a loan remainder of {$850.00}, my pay off value is {$1100.00}, which I will pay on XX/XX/XXXX. I was not expecting such a high interest rate, thinking my loan would be about paid off by now, if not paid off. I was in for a huge shock. I made a mistake once and will not ever make that mistake again, it was supposed to be for emergency purposes. Remedy Sought : I would like to recoup some of the interest rate that was/is charged on this loan. This practice is highly questionable in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Credit card () with BARCLAYS BANK DELAWARE (NJ).
Issue: Other

Complaint: I have been victimized by a rather elaborate scam where a woman posing as a representative of a shipping company has utilized holes in the Payment by Phone process used to pay credit card bills. The gaps in the process exist on both the side of the bank as well as on the side of the Credit Card Company. As a result of these deficiencies, this person has been able to steal a significant some of money from me and most likely has other victims in process and is looking for more. 

Further details are included in the attachments to this claim submission.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Mortgage (FHA mortgage) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Application, originator, mortgage broker

Complaint: I was pre-approved for a loan by Citizen bank by XXXX in the beginning of XX/XX/2017.XXXX asked for {$650.00} for a appraisal.2 weeks later the loan was denied by citizens bank. I XXXX telephoned XXXX and ask back for my money and which he stated a appraisal was done.I telephoned the realtor XXXX at XXXX who explained that no appraisal was done.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently discovered a collection from Enhanced Recovery Company on my credit report from XXXX. I have no Idea where this came from, as I have never had XXXX services. I have been unsuccessful in receiving verification for the debt, as well. I have been told to contact the original company, XXXX, and when I do, they send me to contact the collection agency. It is going in circles.

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 04/28/2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This judgement was placed in my bankruptcy and it is now showing as a judgement. I went to the court house and got it DISMISSED/SATISFIED. The courthouse has then put it in the system, at this time I disputed, faxed and mailed in a dispute regarding this account. I went from getting a court date, sitting for XXXX hours, and getting the neccesary paper work needed to get it removed. Equifax then tells me that it can not be removed off my credit report. I call the court house and ask them and they no longer see it in my file. I keep disputing where as Equifax takes about XXXX days to get back to me to say its not going to be removed and only " SATISFIED '' where they are ignoring where it says dismissed also. I want this judgement removed seeing that it was in XX/XX/XXXX and my bankruptcy was in XX/XX/XXXX, on equifax reporting it didnt show up until XX/XX/XXXX and it was a XXXX party vender.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (Medical) with JP RECOVERY SERVICES, INC. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX ( my family 's insurer ) pays XXXX % for any visit that is preventative or wellness related. My wife went for routine preventative procedure as me and she is being charged unwarranted medical fees because the doctor miscoded the visits. We have notified the doctor to code the visit properly and the office has not recoded and this constitutes professional negligence, something we should not pay for. The doctor 's office has now engaged a collection agency ( JR Recovery Services , Inc. ), Tel XXXX, XXXX XXXX XXXX, XXXX XXXX, Ohio to collect on a false debt and they are harassing us with letters. Please help! 

per conversation with XXXX at XXXX, on XXXX/XXXX/2016 at XXXX and am quoting her response verbatim " XXXX : It looks like our department has been actively working on getting the claims for the doctor office and the lab resubmitted. We have placed several calls to the lab and the doctor 's office requesting the doctor to resubmit the claim with a well visit code, however we have not yet received any corrected claims.

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
Consumer complaint received 12-05-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently check my credit report and found that there were several items that were not related to me. This is very unfortunate because the incorrect information has caused me to not qualify for any additional credit. It has also hindered me from my goals of achieving a home. Please remove all unverified accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Debt collection (Credit card debt) with Continental Finance Company, LLC (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Contintental Finance Company claims I owe a total of XXXX. A charge in the amount of XXXX to XXXX on or around XXXX XXXX is in dispute, Continental Finance refuses to work out a resolution which does not require me to pay this charge for item not received. The merchant, XXXX, provided a response which contained false/inaccurate information such as shipping date, item ordered, shipping address as well as person signed for package. Their reply mentions an order placed in XXXX, a month BEFORE item ordered in XXXX. It was sent to a XXXX  XXXX in XXXX, NY, my name is XXXX XXXX and I live in Connecticut. A replacement XXXX watch was sent to this person, XXXX XXXX, my order is a XXXX XXXX watch. The package sent to myself arrived with watch missing from the watch box, XXXX is known to send empty watch boxes or defective items. I disputed this charge, however, I did not receive response from merchant in time to reply, according to regulation set by XXXX. I provided response detailing false/inaccurate information detailed above, it was too late to further dispute. The initial mailing was lost in the mail, disputes dept resent the information from merchant and I was told to go ahead and reply in re despite lateness. Once received, Continental Finance refused to do anything further. The remaining balance of this debt, XXXX stems from fraud charges as well as late and over limit fees, which I refuse to pay.

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 07-09-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Loan modification,collection,foreclosure

Complaint: I have already sent in numerous complaints regarding Bank of America and my mortgage problems as you can check via case numbers XXXX XXXX XXXX XXXX XXXX I am being asked to sign a form to voluntarily terminate my FHA mortgage insurance by Bank of Amercia when this has never been brought up before and their reasoning told to me is that it will give them more wiggle room to possibly help me. I have nothing sent to me outlining how this will help me. How will something that is meant to be a source of protection to BOA in case of Foreclosure XXXX which they have set for XX/XX/XXXX? Also, if I were to sign this and they proceed to foreclose how am I protected. I feel like I am being herded in the direction of not only losing my home but ultimate financial ruin. Is this really a viable solution for me? They still are n't addressing the fees they have been charging XXXX erroneously ) since I had a short sale buyer for almost XXXX years via Bank of America Short Sale program in which BOA dropped the ball on so to speak and I eventually lost the buyer in XX/XX/XXXX. I am beseeching help in this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: It is with deep regret that I must contact you once again to obtain information that is permissible by law. Navient ( XXXX - XXXX ) was contacted with a request for complete account transaction history from the origination ( XX/XX/XXXX ) of my Parent Plus loan up to the current date ( XX/XX/XXXX ). Also, a request for an amortization schedule for the same loan was made. As usual, it was promised as a deliverable within 7-10 business days ( it came ), yet the history was incomplete and the amortization schedule was not included. The XXXX XXXX, XXXX and Navient information was missing, containing only data between XXXX and XXXX from Navient. The original loan balance was {$13000.00} ( XXXX XXXX ) and as of date with years of payments, the current balance is {$15000.00}. How can that happen? The servicer ( Navient ) is not supplying information that is promised. My problems are as follows : 1 ) application of payments ; 2 ) the amount applied to interest is higher than they were at the beginning of the loan - principal application is not going up ) ; 3 ) the incorrect manner in which capitalization of arrears is handled ; 4 ) Customer service does not provide information requested ( sent two sheets that were identical - happens all the time ). I am certain this is not an isolated situation.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: In a recent review of my credit reports I noticed XXXX XXXX XXXX had placed several 30-60 late payments marks on my credit reports resulting in negative tradelines and significantly lowering my credit score by XXXX points. Perplexed as to how XXXX was furnishing this information to the credit bureaus as I knew it to be incorrect, I contacted XXXX with my concerns re : the late payments. After speaking with several reps re : this matter, I was informed that XXXX had been applying miscellaneous fees and charges to my account offsetting my monthly payment and only applying partial payments to my account as if I was not making my monthly payments in full every month. I was also informed there had been missing payments in the past on my account resulting in more derogatory information being supplied to the credit bureaus. Infuriated by this new information, I explained to the reps that I had never been late nor had I missed any payments, and all my payments had been paid in full based on what was due in my monthly statement. I also explained that I had a trail of receipts in the form of emails, screenshots from my smart phone, and my bank statements showing these payments were made in full on time. I then inquired as to why this had never been brought to my attention in the numerous conversations I have had with XXXX reps in the past and no rep could explain to me what the problem was. This was XXXX of the many issues I have had with XXXX reps. Every time I have spoken with a rep it has been nothing but inconsistent, incorrect information. After speaking to the last XXXX reps XXXX ( XXXX ) in XXXX, XXXX, and XXXX ( XXXX ) in XXXX, XXXX and inquiring about the discrepancies with my account, I asked if there was a higher division or department where I could speak to someone directly since no one at the basic phone reps level could assist me further, I was told no, there was no one to speak to directly regarding my dispute on my account and issues regarding this matter and it would have to be escalated to customer care via mail only. I inquired once more to see if I could get a phone number or even a fax number and again there was nothing to be provided and I just have to mail in my concerns. I was beyond angry with this information. How could a company this big not have any direct contact information for matters of this nature. Credit is extremely important in this day and age and to not have any one or any department to directly assist with credit disputes is completely unacceptable. To date XXXX has placed XXXX late payments on my credit reports which has severely damaged my credit. At this time I am requesting XXXX to thoroughly go over my account, find where the mistakes were made, correct the mistakes, and update my credit reports with correct information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I made charges on the credit card, XXXX in this example, and I paid off the balance in full through a checking account with my financial institution namely XXXX Bank also known as XXXX Bank XXXX XXXX. I have the bank account statement that shows the payment was accepted because there is a debit in the amount of the charge in my checking account. Now, the credit card company namely XXXX has not credited the amount in the credit card account and they are leaving a balance with a payment due. I do not have a balance on the card and there is no payment due. I am a responsible citizen and I would sincerely appreciate attention to this matter.

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 09/15/2017 about Debt collection (I do not know) with Alliance Data Card Services (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX Comenity called about a family member, responded to have number removed XXXX, XXXX, XXXX the same issue as above

Company response to consumer: Closed with non-monetary relief