milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-09-2017 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicer 'Wells FARGO bank ' is demanding that my HELOC mortgage expired, and the NEW LOAN amount is three ( 3 ) times what it used to be. SO from XXXX/monthly, it went to {$1600.00} over night. I bitterly complained and ask for their detailed explanation. They said these loan expire every ten years, and the new loan payment will be three times what it was. I was shocked, and I never had any indication a change was eminent, so I ask the Bank to send me what paperwork they had, if any, that mandated such. They sent my personal loan and Deed to a cover-lettered complete stranger in another state. In the meantime I dug out my original paperwork to read through, and since I never ask WELLS, or anyone else to make any changes, I had a Perfect NO LATE record after seventeen years, and PERFECT credits FICO, why should there be this unexpected change? Why? 
I have read, and reread my note ( disclosure ) etc..and I see NOTHING, that would mandate any change, let alone a massive triple my customary payment change, with interests rates 'going down '. And in addition they kept gradually increasing my FIRST mortgage amount while interest rates were going down, so made me wonder what was going on with it, NOW this dramatic increase with my HELOC, My private inquiry to an independent accountant and loan broker said a NEW mortgage would be a much lower overall payment, so I 'm confused and really annoyed and I ask WELLS to just refinance both my loans they were servicing into one, so I could save on my cash flow, they refused. They said since I did not pay the increased HELCO, that, that had ruined my credit, so they could n't make me a new loan. That REALLY made me angry. I had perfect credit until they ruined it, now I feel they are acted deceitfully and FRAUDULENTLY, thereby forcing me against a wall. They suggested they could offer me a Mode loan,,, for people with BAD credit? My research tells me I will not qualify for a mode, since I have too much equity. This BANK is ACTING with unfound unauthorized overpowering illegality. They are using Arcane methods. They must be forced to stop.

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 01/30/2018 about Debt collection (Private student loan debt) with Law Offices of Robert A. Schuerger Co., LPA (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: At random, my husband was contacted about student loans from 2005. Allegedly, these are loans that are given to them by the Attorney General to collect on and that they will seize our tax returns and garnish wages unless we agree to some sort of consolidation loan. A representative from XXXX XXXX XXXX XXXX continues to contact us for a student loan that was not used. University of XXXX has no record of it being outstanding.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: From mid-XXXX through XX/XX/XXXX due to Equifax 's negligence with protecting my private data, my personal information ( Social Security number, Birth Date, Addresses, Credit Card numbers, and driver 's license number ) was mishandled and leaked to hackers. 

In Equifax 's own words on their website, unauthorized access occurred from mid-XXXX throughXX/XX/XXXX That is almost 2 months of my personal data being leaked to hackers, which have most likely  made it publicly accessible by now. 

In addition to mishandling my personal information, Equifax failed to alert me to this failure in a timely manner. Instead of being notified by Equifax, I found out about this through the media ... .on XX/XX/XXXX. On XX/XX/XXXX I went to Equifax 's website ( https :  //www.equifaxsecurity2017.comXXXX ) and was shown the message that I was affected by the information mishandling. 

All in all, Equifax mishandled my data several months ago and never sent me any kind of mail, phone call or e-mail to notify me, which is quite a horrendous act on the part of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: i disputed a charge, was given credit but then t was rebilled even thought i never rec 'd the item. spoke with a number of agents & dispute supr. at Capt I. they informed this happens all the time, i 'm in the process of writing a detail account of problem even so they have recorded my disputes.\ phone calls i was also told i would be rebilled for XXXX item of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Bank account or service (Other bank product/service) with OCWEN LOAN SERVICING LLC (NY).
Issue: Deposits and withdrawals

Complaint: On or around XXXX/XXXX/14 Ocwen loan servicing LLC . sent me my last dispursement check from my Escrow Disbursement account, to finish my repairs on my house from Hurricane XXXX. I NEVER RECEIVED THE CHECK. I called Ocwen three times on or around XXXX/XXXX/14 - XXXX/XXXX/14. first time I asked when the check was coming, they said give it more time it is in transit. Second time I called them I told them I did not recieve my check and they should stop payment. Their response was " give it more time ''. Third time I called them, I told them I still have not received the check and for them to definitely stop payment. Their response was, the check has been cashed and that I needed to go to XXXX XXXX XXXX and request a fraudulent claim form. I told them that it was their job, being that the check was not from my account. ALL OF THIS IS ON THEIR PHONE RECORDINGS OF ALL OUR CONVERSATIONS. I asked that they send me a copy of the check, it took Ocwen approximately eight months plus numerous phone calls, to get me a copy of the cashed check. Their explanation of the delay was that they were transferring their insurance loss department to a new location in Texas and all paper work was in transit. Finally, I received a copy of the cashed check and as you can see my signature is not present and nor did I give any authorization to cash this check. I filled out the necessary paperwork to the best of my ability to get this matter resolved, which I will attach. All three banks refuse to take responsibility. 
I believe XXXX XXXX is at fault mostly for not following proper procedures and taking and opening an account with an improperly endorsed check. 
XXXX XXXX XXXX also did not follow proper banking procedures because they did not check the endorsements and released the funds anyway to XXXX XXXX. 
Ocwen is also at fault for not stopping payment when requested and simply not taking any responsibility or helping to resolve this situation in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit reporting () with Colony Brands, Inc. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: GINNYS : I have never requested a line of credit with Ginnys. I started receiving the magazine which implied that I had a credit with the company. I 've never ordered nor plan on ordering from them. Please remove this from my credit report. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11/18/2017 about Payday loan, title loan, or personal loan (Installment loan) with Atlanta Check Cashers, Inc (GA).
Issue: Problem when making payments

Complaint: I 've been struggling financially due to health issue and XXXX. I got an loan with Atlanta Check Cashers and agreed to {$25.00} as a payment to bi-weekly. I was late on payment and asked if I could skip a payment and pay when I can borrow money to cover skipped payment. They agreed and I thanked them .The next pay period {$25.00} was deducted .I noticed that I was charged late fee {$10.00} from a text that was ok but It was never told that it would be a recurring fee monthly. I was charged {$40.00} for car insurance and I do n't have a car I told Atlanta Check Cashers. The contract states that to contact company before 3 days .This pay period XXXX/XXXX/17 Atlanta Check Cashers deducted the agreed {$25.00} and an Unauthorized payment of {$95.00}. I called and customer service said " You Did You Did authorized when you gave us consent to withdraw {$25.00}. '' I did not authorize double payments.The payments came from two different transactions now my other bills are behind due to this unauthorized transaction from Atlanta Check Cashers on XXXX in the amount of {$95.00}.

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 10/13/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Transaction issue

Complaint: I purchased a coffee maker from XXXX, that I ship back to them. Capital One issued a temporary refund, then several months later I was charged for it, putting me over my credit limit and decreasing my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Settlement process and costs

Complaint: I have applied for a home loan at chase on my rental property which is fully paid off. I was approved for this loan and submitted the paperwork required. I started this process in XXXX and they took out {$600.00} for appraisal fees on the property. The property was appraised for over $ 300k and the loan amount being asked for is $ 50k. The bank seems to be giving me the run around on closing the loan and when I talk to them they continually state that the loan is approved. I had to pay flood insurance on the property and was told that once I got this flood insurance the loan would be closed then they proceeded to ask for paperwork that I previously submitted saying it was incomplete and do not close the alone.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Auto) with Second Round Limited Partnership (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: There is no option to select for what it is I am trying to complain about. I am filing a complaint because this company is preventing me from being able to purchase a home by continuing to report inaccurate information on my XXXX credit file. I have requested that the dispute comments be removed from this account because I am no longer disputing the account and I agreed with the way the account was reporting except for the dispute verbiage. I did dispute the account but they verified the information and I agreed it was mine so there is no reason to continue to keep the account in dispute as if I am still disputing the account. The dispute has been resolved. This company stated to me that they would not remove the comment unless I paid the debt and that is illegal. They are continuing to report an account inaccurately as in dispute in order to get paid. There are guidelines in place that are set by the government that will determine whether these accounts have to be paid in order to get approved for a mortgage and it 's not right that the collection agency is taking matters into their own hands.

Company response to consumer: Closed
Consumer complaint received 04-11-2018 about Debt collection (Payday loan debt) with eMoneyUSA Holdings, LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I sent them an email on XX/XX/XXXX stating I was revoking my authorization for them to debit any money from account and that I was filing bankruptcy and gave them my attorneys name and phone number. They refused to accept the revocation so I contacted my bank and put a stop payment on it. They have since, sent me emails daily, called daily and texted me. They sent me an email on XX/XX/XXXX.stating " If your account is moved to collections, we will call your cell, work and references daily to collect on this loan. '' " Again, you have 24 hours to keep this from happening. '' I received a voicemail today XX/XX/XXXXthat stated that my account was marked as fraud. This company has violated the Fair Debt Collection Practices Act and I want it to stop. I have attached the email to my complaint. I have informed them numerous times that I am filing bankruptcy and given the information they need yet they continue to harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Payday loan, title loan, or personal loan (Payday loan) with Tribal Lending Enterprise, Inc. (IL).
Issue: Charged fees or interest you didn't expect

Complaint: On XXXX XXXX, 2017, I received a text offering a payday loan. Since I was in financial need at the time, I clicked on the link in the text and filled out the online form. I then received a phone call from a woman at XXXX XXXX XXXX who walked me through the steps to get approved for a {$1000.00} loan. When I asked the rep how much this loan would cost me, she informed me that with the interest, the total amount to pay back was {$1100.00}. I received an email stating that my loan was approved and the funds were on the way. 

After making my initial payment of {$330.00}, I noticed that the loan balance had not decreased very much, so I contacted the company. A rep informed me that only {$50.00} of my payment went to the balance and that the rest went to interest. The rep then emailed me an interest statement that I " allegedly signed '' agreeing to an astronomical interest rate of over 600 % and that the cost of the loan was actually {$4000.00}! 

I never signed this interest disclosure and was not ever made aware of anything that was included on it. After further review of the disclosure, I realized that my name was n't even spelled right on the document and the electronic signature, with my name spelled incorrectly, was time stamped for XX/XX/XXXX at XXXX. The loan approval email was received on XX/XX/XXXX at XXXX. How could I have signed something at XXXX when the loan was already approved and the funds were being transferred at XXXX. I never saw this disclosure statement nor did I sign it when the loan was initiated.

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After many hours of studying the law and research of the protection consumer laws, I have sent several letters to Transunion XXXX and XXXX regarding fraud on my credit report related to an address in XXXX, IN. Four XXXX XXXX student loan unverified with no contract or proof, with a letter from the Office of XXXX XXXX. The account history is not accurate on the credit report, it has statements they say loans are 100 % paid in full and also states I have made 0 % of payments on time, the letter I have is in conflict with the reporting information. I also have two fraudulent bankruptcies 1 on XX/XX/XXXX and the 2nd on XX/XX/XXXX. In addition the judgement on the credit report is n't correct and the alleged claim was supposed to be remove, they have not followed through on their agreement. I have not filed any bankruptcies and have given them proof of the fraud. This is an issue that has happened before and I came to the Consumer Financial Bureau to get assistance when these agencies are n't following the proper rules laid out by Congress in the FCRA and FDCPA.

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 02/24/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (TN).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XX/XX/XXXX I went to an XXXX store in XXXX, TN and tried to pay for my purchase with my XXXX store card. The salesperson tried running the card twice, but it kept getting denied. I finally left the store embarrassed, as people were gathering and she was also calling her manager. I called the toll free number for XXXX and the automated system told me that theres {$250.00} limit on the card ( as it was before ) and that no payment is due at the moment. I finally got through to an operator that informed me that my account was closed as of XX/XX/XXXX. I have not received any correspondence from XXXX, the automated information still tells me that I have a line of credit and after logging into my account online, it also states that I have credit available. I have suffered great humiliation at the store, was embarrassed beyond belief and Im too embarrassed to go back to that store. I understand that banks can close account at any point, however they must notify the credit card holder of doing so, which XXXX has failed to do. The manager I  spoke with could not explain why this happened and how they can prevent this from happening again. A multi billion company has failed to provide customer service and they dont have plans to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (Other debt) with NRA Group, LLC (NY).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: XXXX XXXX collection agency reached out to regarding a debt that was fraudulent in my name I advised them that I never opened the account I spw XXXX they advised me to contact the company which is XXXX, spoke to XXXX they advised me that I dont owe any $ $ & they sent me a letter stating such..I then contacted the company they refused to disclose theyre name I was transferred around as they played games on the phone, I called them a few days later & the representative said just pay the bill & hung up..I wrote them a cease & desist letter because they refused to send me proof of the debt..there located in PA & there telephone # is 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 non-monetary relief
Consumer complaint received 12-01-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They want me to pay a balance of an account that i never open and keep calling me asking for money and asking personal question and information like social security number by phone, i eould like this people to stop bothering me and remove me from the debt and their system since i have never open an account eith them

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contact   XXXX   on several occassions in regards to inquiries on my credit file that I did not authorize. I am told that I have to contact the companies directly to inquire about the inquiries. I have multiple duplicate inquiries some from the same com pany withing days of one another. Some of the inquires really dont make any sense, for example.. there is an inquiry from   XXXX   XXXX   XXXX   this is a company that leases equipment to businesses. I am not  a business owner why would I apply for credit to get business equipment. Another one is from  XXXX   XXXX , tried calling this company and it never puts me through to a person and then the line hangs up, cant even leave a voicemail. I spoke with   XXXX   and told them that tthis   XXXX   XXXX  l is showing an inquire for  XXXX  and then again for  XXXX . I have several inquiries on my report that are withing days or not even a month apart. I did not authorize any of the inquiries I called them about and yet no one will even go down the list with me to even look at the inquires so that they can atleast see what my concerns are. I did not apply for any loans or credit cards from any of the companies listed in my inquiries. my ch  XXXX  bankruptcy discharged in  XXXX   XXXX  any inquiries listed before  XXXX  were not authorized by me. Why would I app ly for credit one day and then apply to the same company the next day? something is not right with the inquiries on my credit f ile

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 Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Looking to complete a simple HARP refi with current lender, Nationstar now XXXX XXXX. I have not received the " Dinner and a Movie gift card '' from promotion flier they mailed out on many occasions. Completed application almost two months ago and have yet to see my credit score disclosure or the rate options that were discussed. Originally said the gift card would go out three days after application, so false and misleading advertising. Have spoke to them on multiple occasions and they just keep saying next week I will get gift card. It would be good to get credit score info so I can start looking for other options with out each lender pulling credit. Left messages no return call. Said they would beat other lenders rates but wont call me back to discuss. Other bad service type of things but these are my main issues for now. Any help would be appreciated.,

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this debt over the phone back in XXXX. ACH did n't go through so she called back and did a Debit card payment for the full {$100.00}. Now I am receiving calls saying that this was never paid. I have provided proof and if this hits my credit I will sue this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I called to find out what was going on with my inquiries because i checked my report and they were gone and then I got a message from my monitoring service that my score had dropped because those inquiries were added back on. I was told there was n't anything that could be done on there end and to contact the creditor.

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