milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-12-2016 about Mortgage (Home equity loan or line of credit) with 21ST MORTGAGE CORP. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: 21st Mortgage aquired my loan from the now defunct XXXX Mortgage. When I fell behind on my mortgage I tried to get assistance from 21st Mortgage to modify my loan. They refused and forced me into bankruptcy. Because me & my wife are on a fixed income I could n't afford to keep up the payments in bankruptcy and my case was dismissed. I learned that XXXX Mortgage was the subject of a multistate class suit brought by the attorneys general of XXXX states where they found that XXXX Mortgage used fraudulent practices and originated predatory loans on poor minorites. After reviewing my loan I was able to determine that Ameriquest/Argent violated the law in the origination of my loan and should not be allowed to foreclose their lien on my property because they viloated the law in the process of securing a lien on my property which should not be enforceable under the law. I need someone to intervene in the foreclosure sale they have scheduled for XXXX XXXX, 2016

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have sent 3 letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to the credit reporting agency to dispute the following account: XX/XX/XXXX or XX/XX/XXXX. This public record does not belong to me. It was my understanding that the credit bureaus are required to check items with the credit grantor reporting the information, and remove any information the credit grantor cannot verify. It was my further understanding that the credit report bureaus must complete investigations within thirty days of receiving a letter. My credit report continues to have inaccurate items on it.

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 04-07-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Billing disputes

Complaint: My card was recently renewed at my request, and I subsequently was billed from a recurring account that I had not yet provided updated information. Upon inquiry, I discovered that the Visa card information, with Capital One as the user had been provided by either Visa or Capital One or both. I tried to get an explanation and where they had obtained such permission from me. The explanation was that they had the inherent authority to do so, irregardless of their lack of knowledge of my actual account details. They act only with the information that previous recurring charges have been made and do not ask for permission or provide notification. This does not appear be legal and certainly not ethical. I have requested that they provide me details but they only " launched an inquiry '', not accepting any sense of wrongdoing or overstepping their authority. I want such action to require my approval, just as it obviously requires the knowledge and approval of all the credit entities and the merchant9s ) involved. 
This a major abuse of authority as I may have cancelled the original card to preclude illegitimate charges from an ongoing account. In this case the charge was legitimate but they had no knowledge of such at the time they allowed the data to flow to allow the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TX).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I had a business credit line with XXXX. I had this credit line since the early XXXX 's and terminated the credit line approximately 2005. The card has an annual interest rate of 10.750 ; daily finance rate of .02945 % ; average daily balance of {$12000.00} ; periodic finance charges of {$100.00} ; cash advance 10.750 % ; Daily Finance .02945 % Average Daily balance {$81000.00} ; periodic finance charge XXXX ; total finance charges XXXX ; total periodic finance charge {$800.00}. I pay a total per month of {$1300.00}. With a balance of {$94000.00} at the age of XXXX years, it is impossible to pay off this credit line. I have approached XXXX  for a reduction in charges and finance to pay off this note but the request was denied. I have paid off this note at least three to four time and feel that I am only a cash cow for 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 07/31/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Struggling to pay mortgage

Complaint: Well we purchased our home in 2007. We ran into financial issues and called Wells Fargo for assistance. They told us of a loan modification program. They said in order to qualify we would have to be behind in our mortgage. We were current at the time but knew we would be falling behind. With that in mind they encouraged us to fall behind ( so we did prematurely ) then called in as instructed. They stated to pay a certain amount which was less than 700 dollars for about 6 months ( along with a financial hardship document with our debt to income information ) and at the end of that they would have a proper mortgage payment for us ( well address it ). We paid that for months half way through the process we received letters talking about our mortgage being behind. We called on several occasions that it was nothing it is just customary to receive those during those times. Well the 6 months ended and they stated they couldnt provide us of new terms yet. They did and set us up for another 6 months shortly after we started the new program we had a Sheriff knock at the door stating we should get out of the house. We were completely blindsided and we were in foreclosure and they stated we werent. They lied about everything. I have everything recorded from my phone that I have transferred over started recording after we started getting the foreclosure letters and they stated everything was fine. What really sucks is that we had to pay an attorney in XXXX who acted on the behalf of Wells Fargo to get the house out of foreclosure which was never really in that process ( according to what they said ). 60 percent of what we paid were attorney fees and Wells Fargo fees. We pulled from our 401 k got penalties there and during the process our credit was run through the mud all of our interest rates went up and closed accounts. I would have never gone down that route if they didnt push me to do it. That process ending up costing us a lot. What is funny when I called the on it they completely removed any record of this on their books. When I asked for a statement they sent me everything but when I was on the program. It is almost like they were trying to cover it up. Wells Fargo should at least give me back my attorney fees for their false process. The measly XXXX the government forced them to pay last year does n't cover the other XXXX in attorney fees. Pain and suffering should be thought of too. I have all of the documents and recordings of Wells Fargo just did n't upload them want to see what can be done first. I have submitted this before they are not telling the truth about what they did and their process.

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 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed an unverified account with equifax and XXXX XXXXr. They have both refused to properly validate the debt which is a violation of the FCRA. This debt is unverified and not mine. I would like for equifax to delete any unverfied debt from my credit report. 

The supposed debt is with XXXX XXXXXXXX for XXXX. There is no contract between me and XXXX XXXXXXXX. This debt is not mine and should be deleted from my credit report. 

Equifax is also report 3 90 day lates when the account has be closed since XXXX. 

This is my final attemp to resolve this issue before I bring in an attorney to rectify it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX I pulled my credit report to see exactly what was listed on there. I found a collection entry from Convergent Outsourcing {$580.00} with a date open date of XX/XX/XXXX on credit report and XX/XX/XXXX on two others. Well I want this item to be removed from my credit report and I want the company to send me a letter stating that the collection item has been removed. I have never had a XXXX XXXX account and I know it is n't mine because I was serving ten years in XXXX Prison when this collection was put on my credit report. So this is ID Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Debt collection (Medical debt) with FIDELITY CAPITAL HOLDINGS, INC (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In 2011 I was diagnosed with XXXX XXXX. I had XXXX XXXX performed at the XXXX lab and also had insurance through XXXX. I paid what was left over from my insurance with 3 separate checks and still have the copies that shows XXXX cashed them ( front and back ). They turned me over to Fidelity a  collection agency. I have tried to get them ( Fidelity ) to provide documentation several times, the last time being today and do not receive anything proving I owe the XXXX dollars they say I owe. I have it disputed on my credit report but all that does is cause me problems when I try to make a major purchase even though my credit score is in the high XXXX 's. I have asked XXXX and XXXX to remove the dispute but it still shows up disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Billing disputes

Complaint: During my vacation. I rented a home XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX through XXXX. I agreed to and paid XXXX {$730.00} for the six night stay. In the property description, it was stated that " all rooms had air conditioning and that there was staff on the island dedicated to taking care of all of your needs while staying at our house. '' Upon my arrival, the home was not cleaned and I turned on the air conditioner in the bedroom and it did not work. I contacted the owner and told him that there was an issue with the air conditioner. This was via text. He replied stating that the cleaning lady would be there and she would look at the air conditioner. I stepped out the get dinner and returned only to find that the air conditioner had not been addressed. I called XXXX XXXX and left him a voicemail as well we sent him a text stating that the issue was not resolved. I never heard back from him. I tried calling the cleaning lady repeatedly as well and no response. The next morning I tried calling again both the cleaning lady and XXXX XXXX and no response. I then contacted XXXX to let them know there was a problem and they said I had to deal directly with the owner. I then sent the owner and the cleaning lady a communication that I would vacating the home and that the key would be in the lockbox. I also let XXXX know that I was vacating the home because it was to hot to reside in. 
I ended up checking into another hotel at a much higher rate due to the fact that I had no advance time. 
That same morning I contacted Bank of America to dispute the {$730.00} charge minus the one night stay of {$99.00}. I wanted a partial chargeback of {$630.00}. 
I would like to file a formal discrimination complaint against Bank of America because I feel my dispute was not treated fairly and not properly reviewed. 
Thank you very much for your time and consideration.

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 10-06-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: My last payment on an old credit card issued by XXXX XXXX XXXX XXXX now XXXX XXXX and now sold as debt to Portfolio Recovery, was in XX/XX/XXXX making this debt passed the 6 year statute of limitations for debt collection in the state of Oregon where the credit card agreement/contract was signed. However XXXX, XXXX claims my last payment of {$1900.00} was made on XX/XX/XXXX, more than 3+ years passed my real last payment. Even more confusing, the debt collection account at Portfolio Recovery was started on XX/XX/XXXX, according to XXXX and XXXX. This doe n't make any sense. I have my bank statement from XX/XX/XXXX-XX/XX/XXXX and it shows no payments or deductions for anything near that amount or any cash taken out that would cover a payment like that. I did not make this payment. I believe it to be a shadow payment put on the books by XXXX XXXX to illegally extend the time limitations for almost 4 extra years. I called XXXX XXXX recovery department 4 times, they have my account information. They REFUSED to provide me with any details of my payment history to prove that the {$1900.00} payment was a sham. They went as far as telling me that they where in no way obligated to provide me any information on my account about payments because I was no longer a customer and because the debt was sold. Now Portfolio Recovery is now both buyer and assignee, which is also illegal. This debt is way passed the real statute of limitations time limit and the collection company refuses to remove it from my credit and the bank refuses to give any payment information to validate the debt, which is also illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Debt collection (I do not know) with Collection Information Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I discovered this information on my credit report. Doctors Business Bureau. Despite repeated requests to them that they show proof of this debt they refuse to remove it. The best I could do was contact the hospital in question :  XXXX  and ask about this debt. They did n't know.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Debt collection (Medical) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: After obtaining a copy of my Transunion credit report, I noticed a collection account reporting on my account by XXXX for a debt for {$270.00}. On XX/XX/2016, I attempted to contact the above agency, XXXX to validate this debt through a letter sent certified mail, and as of today, I have not received any response regarding this debt. I have attached the letter and proof of receipt of my letters along with this complaint. The problem is I disputed this debt online with Transunion, and Transunion reported the debt as valid. How is the debt validated through Transunion, when the collection agency did not respond to my attempt to communicate with them regarding this debt?

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 04/28/2015 about Debt collection (Credit card) with ROCKY POINT CAPITAL LLC (DC).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: This company call me 10 times in two weeks claiming that if I dont pay my bill with fingerhut that in two weeks they are going to summit me.After returning their phone the individual in which I dont remember his name stated if i dont pay the full amount they are going to sue me for the owed amount and lawyer fees. There after he hangs up the phone on me. These people have no heart and their tactics are illegal under the consumer law they not suppose to charge lawyer fees and court fees, that 's illegal.

Company response to consumer: Untimely response
Consumer complaint received 04-11-2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: experian refuses after numerious dispute attempts to remove XXXX XXXX XXXX and XXXX from negative accounts in the credit report chapter XXXX bankruptcy discharge papers were submitted in addition to student loan deffermen/tforberance documentation. ( XXXX, XXXX, us department of education ) experian will has refused to add account into satisfactory accounts/accounts in good standing.

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 02/28/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Settlement process and costs

Complaint: This is in regard to the latest ( refinance ) of home loan with CHASE Bank, which was closed on XXXX 2015. Loan # XXXX. During the course of re-finance process, Chase had closed my prior MOrtagage with XXXXBank and HELOC as well. 
It has come to knowledge that XXXX Bank has charged {$500.00}, penalty, for pre-closing the HELOC. I was told that Chase ( Mortgage ) has opted to pay in full and close this account and hence is the pre-closure penalty. 
Why was this penalty made aware to Me? I mean this penalty is not a choice form me? Chase Bank did not give me the choice and went ahead paying closing amount mentioned by XXXXBank, resulting in pre-closing penality of {$500.00} to me. 
I was not aware ( and not educated ) of this penalty, which could be averted by just not closing, instead paying the amount in full. Per our tele conversation to Chase Loan Manager ( XXXX XXXX ), to my dismay, I was not convinced the replies I have got from the bank. It is almost prejudged that the penalty has to be paid from the customer ( who had no action but to pay the penalty. ). As customer of seeking re-finance from Chase was not a happy XXXX, lacking transparency. It was unilateral actions from the bank that caused the penalty, without customer 's knowledge. 
This is complaint, that I would like to begin filing to Consumer Forum.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I contacted Equifax online and by phone to obtain a copy of my credit report. I was able to obtain my credit score without a problem. However, there was no place on the web site to order a FREE credit report, and when I called them, the Equifax representative said they could not mail me a free credit report unless I paid for it. I checked the CFPB website and learned that, per the regulation, I should be able to obtain a free full credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This account does not belong to me they put an account that doesnt belong to me

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 08-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Student loans began at the end of XX/XX/XXXX at {$21000.00}. Throughout the years of the loan I have had high payments, had to take forbearance, and also done income - based repayment. From XX/XX/XXXX til now I have only played off {$1700.00} off principle. It seems like all I pay is intrust, so far {$6600.00}. That comes out to 79.3 % of my payments have been intrust. The intrust vs principle payment is all over the board. From XX/XX/XXXX to XX/XX/XXXX, on an income based plan of {$110.00}, I payed {$320.00} to principle and {$1000.00} to intrust. Then in XX/XX/XXXX the income based plan jumped to {$200.00}. Seems like the loan company wants what 's best for them and not the loan holder. In the end I will be paying on these loans for almost 20 years before they are played off.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Debt collection (I do not know) with Mediation Recovery Center (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Four times in the last 10 years, a debt collection agency has written/called to collect a debt of a person who, by marriage, had the same first and last name as me. Each of the XXXX previous agencies has ( after every excuse in the book ) finally left me alone. And then apparently sold off this issue to yet another agency. When & how do I get relief from this abuse? At no time has any of these agencies ever been able to establish that this debt is mine. But they have obtained my SSAN and lie to me, saying my SSAN was on this debt, threaten lawsuit and credit reporting, and say that since I can not prove that this debt is not mine, they will continue to attempt collection. Well guess what? If the debt is not mine, how could I possibly have any proof about the debt, one way or another?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08-03-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (IN).
Issue: Loan modification,collection,foreclosure

Complaint: I have been off work with a broken heel and got behind on my account and these people send me a letter every day.They had a guy come to my house twice now after I told them it would be current by XXXX/XXXX/2016. And i called them again and they told me it will continue until current even though we have a arrangement. They call 4-6 times a day and send letters everyday. The guy handed a visitor at my house a letter yesterday and said will you give this to someone at home did n't ask who the person was or anything just handed her a letter not even in envolpe. it is nothing more than harrasment. I needs to stop .We have called and made arrangements but they just wont quit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation