milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-04-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I began making bi-weekly mortgage payments on XXXX/XXXX/XXXX. I was told that my mortgage would be paid off earlier my making my payments this way. I was thinking that my principal would decrease when I made a payment but did not realize until recently that the principal on my home loan did not decrease until I made the second mortgage payment. For example, on XXXX/XXXX/XXXX, I made a mortgage payment and my principal balance was {$110000.00}. I made another mortgage payment on XXXX/XXXX/XXXX, but my principal remained at {$110000.00}. My principal did not decrease until I made a payment on XXXX/XXXX/XXXX. This pattern continues until XXXX, and still exists. I believe this is an unfair practice and requesting that Wells Fargo be required ( retroactively ) to decrease my principal whenever I make a mortgage payment. 

Payment Payment Principal Date Amount Owed XXXX/XXXX/XXXX {$870.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$110000.00} XXXX/XXXX/XXXX {$430.00} {$100000.00} XXXX/XXXX/XXXX {$430.00} {$100000.00} XXXX/XXXX/XXXX {$430.00} {$100000.00} XXXX/XXXX/XXXX {$430.00} {$100000.00} XXXX/XXXX/XXXX {$430.00} {$100000.00}

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 12-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I spoke with a XXXX XXXX rep by the name of XXXX on XXXX/XXXX/XXXX about a charged off Walmart card and was told that if I send them a copy that I paid the account off with XXXX XXXX XXXX they would send a request to the 3 credit bureaus to have the charged off account removed from my report. 

Its been a month since I sent them proof of payment and the account is still reporting negatively on my reports.

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 05/15/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Unauthorized inquiries on my Experian credit report. 
WWW.EXPERIAN.COMI have set up an account with XXXX to monitor all XXXX of my credit reports. I have noticed several XXXX inquiries reporting on all XXXX credit reports that were not authorized by me in anyway. Rather than submitting XXXX dispute at a time regarding the unauthorized inquiries, I have attached a word document showing all unauthorized inquiries reporting on Experian. I have included, the Inquiry Company, inquiry companies ' address and date of inquiry as well below. These unauthorized inquiries need to be removed immediately. XXXX Total.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Student loan (Private student loan) with DISCOVER BANK (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Discover student loans has failed to remove late charges on my account that were charged in error. These late charges accumulate to {$60.00} dollars which was reported to all credit agencies and negatively effected my  credit score. Discover has since removed the late fees that was reported to the credit bureaus ( only after multiple requests ), but has failed to remove the charges on my actual account. This has increased by first student loan payment by {$60.00}, which is a fraudulent charge. I called Discover  on  XXXX  and spoke with a representative who assured me that these charges were in error and that I would receive follow-up and guidance on how these charges would be removed and the expected date of resolution is  XXXX . I never received any follow-up from  Discover  and the charge of {$60.00} still appears on my account.     The kicker is that  Discover  does not even charge late payments anymore yet they failed to remove this late payment from my account ( which was erroneously added to my account in the first place ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax illegally shared my information along with the information of millions of other Americans via poor cyber resiliency.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Debt collection (Medical) with Accelerated Receivables Management, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They first contacted me with a letter dated XXXX stating that I owed money from a XXXX ( which never sent me a bill because they went out of business and instead just handed its debt to you Accelerated Receivables Management Inc. ). I contacted and worked with someone with the last name XXXX of sending my EOB ( via fax ) and having them review it. I was told on XXXX that my account was closed and I owed you all nothing. 
But some how I got a harassing call on XXXX ( even though they now deny they would talk to me like that ) from some man telling me that I still owed you and that it was n't finished due to my fault. After I explained that I had done all this already, I was told that I never finished it ( stating that the EOB said that it need medical records and I never followed up ) even though the XXXX person told me otherwise ( which the manager said that that person must not have known what they were doing ). I could not continue to deal with this man that was incredibly rude so I asked for a manager and was directed to XXXX XXXX. So I sent the same exact EOB that was sent in XXXX to XXXX XXXX on XXXX the same day. I called back talking to XXXX XXXX on XXXX to see if my EOB had been reviewed. I was informed that it had and that my balance was XXXX and my account would be closed. Feeling deja vu I asked for an email to be sent to me and a letter mailed to me stating that this was all taken care and that you would no longer bother me, she collected my information and told me she could do that. I waited an hour for the email, which never showed, when I called back and talked to XXXX XXXX who rudely told me that you do n't send emails. I requested to speak to a manager ( again XXXX XXXX ) who then told me that they do n't send confirmations that accounts are closed because you do n't have a letterhead for it and that my EOB was my proof I did n't owe anything ( again it was the same exact EOB that was sent in XXXX that I sent again in XXXX, but was n't good enough the first time ). All I have asked them for is some written confirmation that my account is closed with them but they just refuse to give me anything. I have emailed higher ups but no one will respond to me.

Company response to consumer: Untimely response
Consumer complaint received 07/25/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AK).
Issue: Loan servicing, payments, escrow account

Complaint: I am frustrated with this entire financial system. I grew up in financial difficulty. From before I could remember, my credit has been in the gutter. I have been trying extremely hard for MANY years to pull myself from the bottom, but with each loan or credit card coming with an interest rate significantly higher, or even double the national average, it is extremely hard to keep up. I am a member of the military and have been for the past 20 years. I have managed to buy a home and XXXX cars, but at higher interest rates than even my most junior subordinates. Even demonstrating an ability and willingness to make these high payments, it seems that there is no escape. My wife and I feel trapped in a nightmare scenario, where we pay and pay and pay, while our neighbors are enjoying the benefits of always having good credit. I have never known that feeling and will as it stands now, will NEVER get to know that feeling. My Mortgage interest rate is 4 %, car loans are 25 % and higher, credit card is 26 %. I am able to pay XXXX car payments that total $ XXXX/month, a Mortgage payment that is $ XXXX/month, and a minimal credit card payment, along with all utilities and entertainment that comes with a XXXX member household. However, this is taxing, as we have no savings to speak of and can not have a savings with these high interest rates and no bank willing to help out. I am in school, but that is paid for by the military. If I were a private citizen, I would not be able to afford this and would be trapped and unable to achieve a better credit score and the door of possibly bettering my score would remain closed. I guess my complaint is simple, the financial/credit score system is rigged and unduly prejudicially punitive to the majority of lower-income people in this country. It rewards the well-off with all the benefits and punishes or takes advantage of those that have no other choice but to take what they can get. I never had the opportunity to fail, because I was not afforded the financial 'altitude ' to fall in the first place. 

That is my complaint, Concerned Consumer

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 02-10-2016 about Mortgage (Conventional fixed mortgage) with Statebridge Company (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I have fallen into a financial hardship with maintaining my mortgage. In XXXX of 2012 my wife went into the hospital for XXXX. This change has effected my life substantially. It caused a reduction in hours I was able to work to take care of my wife. I have made necessary modifications to the home so that my wife can function effectively in her XXXX around the house. I have attempted on several occasions to seek assistance with the Lender for the chance to get caught back to current with some sort of repayment plan or work out option. However, I keep being told that our Private Investor does not assist with modifications. I do n't understand why I can not get assistance with the government programs that are available for homeowners in my type of situation or just something that will help me keep my home. I have never requested or received any assistance in the past and the first time that I beg for some type of help I get rejected every time. there is no where for my wife or I to go, especially with her specials needs to get around. I felt that it should be exposed how this Investor of mine is not willing to help their borrowers, not even once. It 's just devastating.

Company public response: Company 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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have repeatedly asked for evidence to support their reporting, but yet again they have failed to provide me with any viable evidence bearing my signature submitted by XXXX XXXX XXXX, sustantiating their claims. Furthermore, I have requested their method of verification and they have not complied, which is a violation of the Fair Credit Reporting Act.

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 10/23/2015 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: ExperianXXXX XXXX XXXX TX XXXX : Report # XXXXOn Monday XXXX XXXX I called Experian to dispute XXXX XXXX private student loans. I spoke to the representative to dispute the relevancy of the contract. I had recieved a copy of the contract by XXXX due to a complaint I had filled with the XXXX. The contract has " missing information such as date missing and other identifiable information that is not consistant with my information with their files ''. The name listed on the application is not my birth name. Further, the account number listed on my report is XXXX ... there are XXXX accounts listed with these numbers, the account number specified is listed differently on XXXX correspondence they list account number XXXX. Due to new regulations required by the FCRA account numbers are no longer supposed to be listed as social security numbers or reported to the credit bureas as numbers that begin with social security numbers. 
The accounts were previously unrated and reported previously as " NO STATUS '' in XXXX 2015 that had changed. I request that " no status '' be reported on my file due to FCRA, FCBA, FACTA and other statutory and procedural violations that may have occured. The creditor has over XXXX credit and billing consumer complaints filed online along with SEC and Consumer Financial Protection Burea investigations for similiar or other pertinant issues regarding private student loans currently held by XXXX. ( see link : XXXX XXXXRemedy sought. 
I request that detailed information including names and a description how the previous verification process was conducted per section 607 15 UFC 1681. 
I would like Experian to rienvestigate and the following information herein. 
1. Verify last 84 month account history ( See attatched doc ). 
2. Report the assigned account number provided by XXXX ( acc # XXXX. Valdiate and authenticate information supplied on original contractI request that bot accounts be unrated due to errors and ommisions on the account and credit reports. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I HAVE DISPUTE THIS ON XX/XX/XXXX AND I WAS INFORM BY A LETTER FROM XXXX XXXX XXXX THAT THE ERROR ON THERE PART HAS BEEN FIXED AND THE ITEM IS NOW SHOWING BACK UP ON MY XXXX AND XXXX CREDIT REPORT. IT NOW 11 MONTH LATER AND THE ITEM THAT I HAVE DISPUTE WHICH SHOULD OF NEVER BEEN TAKEN OFF OF MY CREDIT REPORT IS NOT SHOWING UP AT ALL. A LITTLE BACKGROUND ON THE DISPUTE I HAD BACK IN XX/XX/XXXX. ON MY XXXX CREDIT REPORT IT WAS SHOWING A WRONG DATE OF LAST DATE OF ACTIVITY ON THE ACCOUNT. I WENT AHEAD AND DISPUTE THIS WRONG DATE WITH EQUIFAX AND IN THE PROCESS OF DISPUTING THIS THE ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT AND A COUPLE OF DAYS LATER IT WAS DELETE OFF OF MY OTHER CREDIT REPORTS. I CALLED XXXX XXXX XXXX ABOUT THIS ERROR AND THEY SENT ME MY PAYMENT HISTORY ON THIS ACCOUNT WHICH SHOWED THE DATE OF LAST ACTIVITY WAS XX/XX/XXXX BUT ON MY XXXX CREDIT REPORT IT SHOWED A DATE OF XX/XX/XXXX. I SPOKE WITH SEVERAL REPRESENTIVE ON THE PHONE FROM XXXX XXXX XXXX REGARDING THIS ISSUE. THIS ACCOUNT WAS A CLOSED ACCOUNT AND IT WAS TRANSFER TO XXXX XXXX XXXX. AT THE TIME IT WAS TRANSFER THE ACCOUNT WAS CURRENT AND IT HAD NO LATE PAYMENTS AT THE TIME IT WAS TRANSFER. SECOND LIKE I SAID EARLIER IT WAS A CLOSED ACCOUNT IN GOOD STANDING AND ACCORDING TO THE CREDIT BUREAU IT STATES ANY ACCOUNT CLOSED AS PAY AS AGREE REMAIN ON ONE CREDIT REPORT FOR 10 YEARS. THIS ACCOUNT WAS CLOSED IN XX/XX/XXXX AND THIS ACCOUNT IS NOT DUE TO COME OFF UNTIL XX/XX/XXXX. WHEN THIS ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT IT LOWER MY CREDIT SCORE AND JUST I SAID EARLIER THE ACCOUNT WAS IN GOOD STANDING. ANY LATE PAAYMENTS ON THE ACCOUNT GET REMOVED AFTER 7 YEARS OF THE DATE IT BECOMES LATE IF THE ACCOUNT IS CURRENT. IF THE ACCOUNT WAS NEVER CURRENT AT THE TIME IT WAS CLOSED OR TRANSFER THEN IT WOULD FIT THE 7 YEARS DEQUENCY BUT IN THIS CASES IT DOESNT FIT THAT. ACCORDING TO XXXX XXXX XXXX IN THERE ANSWER THAT THEY GAVE ON XX/XX/XXXX THEY STATE AS FOLLOW AS A RESULT OF THIS DISPUTE THE PROCESSOR INCORRECTLY INDENTIFIED THIS ACCOUNT AS HAVING AGED BEYOND THE REQUIRED REPORTING PARAMETERS AND SUBSEQUENTLY DELETED THE TRADELINE. THE ERROR WAS DISCOVERED AND A MANUEL UPDATE WAS PROCESSED FOR HIS TRADELINE TO REAPPEAR ON HIS CREDIT REPORT, AS TO THIS DATE AND TO THE CURRENT DATE AND YEAR NOTHING HAS REAPPEAR ON MY EQUIFAX OR MY XXXX CREDIT REPORT. THE TRADELINE OF MY XXXX XXXX CREDIT REPORT WAS UPDATE CORRECTLY BUT I AM STILL WAITING FOR THE ITEM TO REAPPEAR ON MY EQUIFAX AND MY XXXX CREDIT REPORT. I ALSO RECEIVED A LETTER FROM THEM THAT STAE THE ITEM HAS BEEN REINSERTED BACK ON MY CREDIT REPORT BUT SADLY IT HAS NOT

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Bank account or service (Checking account) with BB&T CORPORATION (FL).
Issue: Deposits and withdrawals

Complaint: My business partner and I opened a DUAL SIGNATURE account, at BB & T, which required both signatures for any transactions. She and I, each, put $ XXXX the account and were adamant with the Bank Officer that we had to sign jointly and we signed a card to be filed with BB & T. On XXXX XXXX, 2015 an investor, ( He was a friend of my partner. ) came on board and loaned us {$25.00}, XXXX payable in 6 months with 5 % interest. All XXXX ( XXXX ) of us signed a Promissory Note at the bank with the same bank officer as a witness and notary. We wrote a check for a deposit for $ XXXX a lease for a building on the beach. Monday, XXXX XXXX, 2015, the banker called me and informed me, my partner had withdrawn all the money andCLOSED the account, but they were depositing my initial {$4000.00}. back into an existing account I had already with BB & T. When I questioned the banker about how my partner was able to withdraw without XXXX signatures, she informed me that as a partner she ( my Partner ) could manuever money as she saw fit since she was a signer on the account. 
I contacted BB & T corporate and they referred me to a clause stating that if was unclear, they could allow XXXX signature to conduct transactions if they are unclear that XXXX signatures were required. The same Bank Officer is the one who opened the account, witnessed the promissory note signatures, and closed the account. I do NOT see how any of this can be misunderstood nor unclear. 

Now I have a {$12000.00} check floating around out there with my signature, ( and my Partners ), on a closed account. HELP!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Student loan (Non-federal student loan) with SLM CORPORATION (ID).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: I am a co-signer on my son 's private student loan. He is entering his senior year of college and just filled out the paperwork for his last loan through Sallie Mae. The prior two years the fixed interest rate XXXX with me as a co-signer ) was 6.25 %. This year, the interest rate has increased to 9.25 %. When I talked to a manager, she said that the prior XXXX loans on my credit history made the interest rate go up. I have a good income, little debt and feel like Sallie Mae is just taking advantage of the fact that they have a near captive audience and can therefore raise the interest rate by 3 %, even with a co-signer. My son is attending the University of California XXXX. He has another undergraduate degree, so does n't qualify for federal loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Problem with fraud alerts or security freezes

Complaint: I was told to freeze my credit due to the data breech. I have done so with 2 companies but Experian just refuses to help me in any way. I have tried on their website, and they denied me. I sent a letter in XX/XX/XXXX, along with a check to cover the fee, and have heard nothing. I have called them and get nothing but a menu of pressing numbers that do not help. I have called the XXXX Branch hoping they could find a person to talk to. No. I got an email address. Sent emails, no response. I tried the XXXX branch, no one will call me back. I have done everything in my power to reach these people, and can not. The web site is useless. This whole company is useless. I worked hard all my life to hav good credit and now, thanks to these people my credit could be used to fund someone elses lifestyle. I didnt ask to be a client of theirs, and they are the worst company I have ever tried to deal with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with United Collection Service, Inc (FL) (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: i contacted XXXX county evac and was told this would be taken off my credit as I do not owe it. It should have been paid by XXXX. They had all our insurance info.

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 with explanation