milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-02-2017 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (WV).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have an issue with  Wells Fargo Financial National  Bank,  XXXX . I live out in the country and sometimes have difficulty getting my mail. I went online and signed up to make my payment on line through  Wells Fargo. W hen you go to the make payment section it request your bank account and amount you would like to pay. I select the monthly amount I owe and send the payment. Today I received a paper statement and this time I opened it, ( I usually do n't because I make my payment online. ) The statement said I owed a {$37.00} late fee. I was charged a late fee because I was making my payment early ( in advance ). I did n't know that was not excepted by  Wells Fargo and have never heard of a late payment fee for an making an early payment. I contacted Wells Fargo  and spoke to  XXXX   ( e mployee #  XXXX   ).  She said that the fees could not be credited back to my account for making early payment and I was charge {$110.00} in  XXXX  and {$74.00} in  XXXX , #  XXXX  each time.  XXXX  said I should have read the fine print and  Wells Fargo w as not at fault and she could n't credit my account for the charges of ( Making an early payment ), I ask to speak with her supervisor and she said she was as high up as I could go and refused to provide me with a name or phone number of someone who could assist me with this problem. I ca n't believe in  XXXX  when most people are late or do n't even make payments at all,  Wells Fargo  was charging me {$37.00} a month for making my payment EARLY! I  Hope someone can assist me with this or please let other consumers that Wells Fargo is taking advantage of costumers that make early payments. This is another way Big Banks take advantage of costumers that go out of there way to make sure there payment is not late. Thank you ... confused and disappointed consumer that closed their Wells Fargo  account and will refuse to do business with them in the future.

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 monetary relief
Consumer complaint received 01/19/2018 about Mortgage (VA mortgage) with CITIBANK, N.A. (MO).
Issue: Struggling to pay mortgage

Complaint: To Whom This May Concern : We are writing this letter in an attempt for some assistacne regarding payoff issues with CitiMortgage. 

We were in the process of renovating our property when a neighbor told me that someone was in my property. 
CitiMortgage had the men to come and break the door and damage it to change the locks on the property. The front door is damaged which can not be repaired. 

My grill that was on my upper deck was taken into the house which they also had broken. 

As they can see that the house was being renovated by looking at the outside and inside of property. 

We had put siding on the property and pulled up all of the carpet inside the property. 

We had requested a pay off in XXXX. Amount {$3200.00} Good through XXXX XXXX, XXXX. That deadline was not met. 

Next Pay Off was {$5400.00} in which they paid end of year property taxes which was not due until XXXX XXXX, XXXX. 

Pay Off letter 3 now show {$9000.00} good through XXXX XXXX, XXXX. 

How and why did it go up so much? 

Our principal balance on the property is {$2200.00} We have not came this close to lose our property. 

CitiMortgage is trying to do everything they can to take our property.

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 12/29/2017 about Money transfer, virtual currency, or money service (Foreign currency exchange) with FROST BANK (TX).
Issue: Fraud or scam

Complaint: On XXXX/XXXX/17 I went to a frost ATM and tried to withdraw USD XXXX using a XXXX XXXX XXXX card. The ATM cancelled my transaction but I was debited the USD XXXX plus commission. I was never given the money and my XXXX bank started the investigation on that day. I was denied said investigation and my XXXX bank states that in fact I received the money which is not true. 
I have requested several times from Frost Bank to provide me with a copy of the recorded cancelled transaction made on that day from that ATM to which I have been told that there is nothing they can do and no copies can be given to me. 
I need Frost bank to provide me with a copy of said transaction so I can prove to my XXXX bank that in fact I did not withdraw said amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Mortgage (Other type of mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MD).
Issue: Struggling to pay mortgage

Complaint: That my wife and I are victims of predatory lending practices, and naive/gullible targets of   XXXX   home mortgage scams. The unscrupulous methods of lenders compelled us to file chapter  XXXX  bankruptcy that ultimately lead to our property put on short-sale/foreclosure.   In addition, the property is no longer in our possession and has been physically occupied by Carrington Mortgage services of  XXXX , California.  Carrington  Mortgage has been lackadaisical in dealing with entire issue especially getting our names off the deed. Such that utility companies and home association stop sending bills for utilities some of which already been turned over to collection agencies destroying our good credit.   In the past year or so,  Carrington  employees  (   XXXX   XXXX  or  XXXX   XXXX   XXXX  ) have been contacted by phone, email and fax and advised to have our names removed from deed. Also utility bills have been forwarded from time to time and they instructed to have home insurance updated in the company name.   Utility companies and their collection agencies advised to forward future bills to Carrington for direct payment.   Since Carrington also broke into the property,  XXXX   XXXX  sheriff office was also made aware of the development

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 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: Credit inquiries on your report that you don't recognize

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: XXXX Credit reporting companies have the correct information for the same event. 

Experian has incorrect information. I called them and they would not accept a dispute as they put XXXX of the blame on XXXX. Called XXXX. They said they never create verbage whatsoever and that the blame is 100 % on Experian. CatchXXXX. 
The matter concerns XXXX mortgages that were closed with the following statement which is listed correctly on all XXXX credit reporting companies : " Account legally paid in full of less than the full balance. '' The dispute is because EXPERIAN ( ONLY ) lists the following additional information in my FICO report under " What 's hurting your score? : 1. Serious Delinquency 2. Accounts Ever Late = 2 Critical Notes : 1. I was NEVER LATE on any account 2. I was NEVER DELINQUENT on any account I have the name and number of the high level supervisor at Experian if requested.

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 06-06-2017 about Debt collection (Credit card debt) with Financial Credit Service, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Date of telephone conversation : Friday XXXX XXXX, 2017 Name of Company : Asset Recovery Associates, Inc. XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX ( XXXX ) XXXX Let me first state that I had just recently had XXXX and was not totally coherent when the call came in. I had a very terrible experience. I received a VM message and called them back only to be threatened that if I did not pay ( mind you this goes back 24 years ) that they would notify all my creditors that I am a high risk and that all of my credit cards would be cancelled. I was given two options ( 1 ) accept settlement offer now ( 2 ) if I do not accept settlement offer now, that if I called back, it would not be honored. I advised the person that I felt this was a threat and wanted to check with my attorney. All I was asking to do was to have the opportunity to check with my attorney to see if this call was legitimate and not a scam. The representative kept me on the telephone for one hour 26 minutes making every attempt to wear me down. She finally wore me down and was able to put the majority of the money she was trying to collect from me on a bank transfer and the difference on a XXXX. She kept telling me that a Judge had issued a judgement and that it was going to Federal Court. After serious thought and consideration, I realized that there was no way that a Judge had issued a judgement and was filing in a Federal Court. I then requested a copy of the judgement etc. and she refused to send to me stating that the offer would be off the table insofar as a settlement offer. The representative was very rude, threatening and condescending in her conversation with me. They started out with a 50 % discount if settled now, followed by an additional 3 % for senior citizen discount. They prey on senior citizens in hopes that you will fall for their line of XXXX. I did unfortunately and feel really stupid.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I received a letter from XXXX, congratulating me on my loans being paid in full. But XXXX keeps adding balances and subtracting balances to my account. This is adversely affecting my credit score! I 'm in the middle of financing and their frequent updates are detrimental to this process. Also, I want all loans older than 6 years off my credit report, as that is more than the SOL for my state. I need this done ASAP as XXXX is doing illegal and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Payday loan, title loan, or personal loan (Payday loan) with Direct Recovery Services, LLC (FL).
Issue: Problem with the payoff process at the end of the loan

Complaint: I applied for and received a pat day loan from XXXX, of which I had paid off and extended the line of credit ( believe it was {$800.00} ) of which I paid a majority of. I had to stop paying them as I was embattled in alimony payments with an ex-wife. Since the alimony payments have stopped, XXXX sold the debt to direct recovery services who has called my parents, called my brother in law, and also call a friend I've known for 35 years. They disclosed amounts owed to these people in their quest to receive payment, which is illegal. Further, I contacted the company and requested that they communicate in writing via my email account, which they sent me an email and I returned and accepted their terms of communication. That was around XX/XX/2018. In that time, they have contacted family members of mine disclosing the amounts allegedly owed, despite my request for online communication, again which is a violation of FTC laws. 
Clearly this company ( or these companies ) have no regard for personal information nor do they uphold their standards to what is allowed by Federal Law. So I am filing this complaint so others know what to expect if they ever deal with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX XXXX has acquired fraudulent accounts from XX/XX/XXXX-XX/XX/XXXX, and will not look into the validity of the accounts or stop collection efforts. I have previously retained a lawyer and gotten one case/account closed, and myself dismissed from financial obligation due to the account being fraudulent/identity theft. There are three accounts acquired by MCM with the following amount : XXXX XXXX- {$1900.00} XXXX- {$3300.00} XXXX XXXX {$1400.00} These accounts are the result of Identity theft and I would like them to close the accounts/dismiss collection efforts and stop contacting me for payment. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have attempted to contact the credit bureaus o n   XXXX   XXXX   requesting proper documentation for the things that have been reported. I did not receive a response, on   XXXX   XXXX   I called all three bureaus they stated they would pro vide proper documentation within 30 days and I have received nothing.  <P/>   XXXX  - {$3200.00}, {$2900.00}, {$1300.00}, {$2100.00}, {$1500.00}, {$2000.00}, {$950.00}, {$1900.00}, {$140.00}   XXXX   XXXX   - &  XXXX ,  XXXX   XXXX   XXXX   XXXX   - {$460.00}  XXXX - {$710.00}   XXXX   XXXX   - {$1200.00}  XXXX - {$620.00}  XXXX - {$140.00}   XXXX   XXXX   XXXX  - {$150.00} & {$110.00}   XXXX   XXXX   I feel my rights under the FCRA had been violated because I was denied copies of documents that were supposedly used to validate accounts and public records on my bureaus

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 04/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A tax Lien was reported improperly on my Transunion credit report by my counties tax assessor for non payment. The county says that they sent me notices for non payment but never did. The assessor says that they have no proof that any letters were sent and that the letters were not certified. The tax billhas been resolved since XX/XX/XXXX and no lien is reported to the state but shows on my credit file.

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 10/26/2016 about Debt collection (Medical) with Gragil Associates, Inc. (VT).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: this has been paid and settled and the original debtor agreed to have it removed but the collection agency wo n't remove it gragil is supposed to remove it but have n't yet

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have checked ALL XXXX of my credit bureaus and this debt they company is trying to collect on is NO LONGER ON MY BUREAUS!!! This is illegal and it can not be collected on anymore. I need the company to cease and desist all lettets and phone calls now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2015 about Debt collection (I do not know) with Abrahamsen Ratchford, P.C (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The Law Firm of Abrahamsen XXXX has been calling me for the last year or so. I had asked last year for either proof of the debt owed or for them to stop calling. Neither has been done. I have run my credit report - there are no active debts on my report. I 've resorted to blocking their number on my cell phone, but they continue to call at least once a week.

Company response to consumer: Untimely response
Consumer complaint received 10/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicer for XXXX XXXX, refused to honor the mortgage modification agreement that I entered into with XXXX XXXX. Instead they filed a complaint to foreclose on my home. Despite me repeatedly telling them that I had a modification, they ignored me. Now my home has been foreclosed on and sold at a sheriff 's sale. When I told the court that I did not receive notice of the sale, the bank is saying that they need only show that they mailed me the notice. I legitimately had problems receiving mail at my home. But the real issue is that I should never have been in court, because, I already had a modification agreement that was not honored by Ocwen and XXXX XXXX. Then once I complained, they tried to get me to sign another modification agreement with different terms.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've contacted XXXX, Experian, XXXX, & Creditors listed below regarding credit inquiries on my credit report that I do not approve. However, I 've contacted XXXX, Experian, XXXXXXXX & All Creditors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via mail, fax, certified mail, & phone. I also mailed out certified letters to all companies.No actions were taken.

HARD INQUIRIES DATES XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 11/21/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Delinquent account

Complaint: A few months back I received an offer from American Express to convert portions of my Gold Card charges to a pay over time feature which would allow me to pay any charges over {$100.00} over time instead of the total balance at the end of each billing cycle. I was informed, upon the receipt of my first bill, that the balance of my Gold Card, prior to signing up for the offer would not be transferred to the pay over time billing. Thus, I was now on the hook for over XXXX which I never expected and my account is delinquent. This was never disclosed or explained to me when I took the offer. It was my understanding, as per Amex 's disclosure to me, that the portion of the balance that included charges over {$100.00} would be transferred to the pay over time feature. In addition, I am now receiving nasty letters from American Express, a suspension of my account and a reduction in my credit score. I contacted Amex in an effort to resolve this and spent 80 minutes on the phone with XXXX different people. I told them it could easily be resolved by transferring the balance to the pay over time feature like I thought it was originally going to do and that I am in the current predicament because of their inadequate and vague disclosure relating to the pay over time offer. I spent 80 minutes on the phone, with XXXX or XXXX different people who ran me circles and pretty much told me that they could not help me and that there was no one who could. I have always had an outstanding record with Amex but at this point I am disgusted at the fact they can not resolve a situation I feel they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: in 1998 deposited XXXX $ in a XXXX XXXX XXXX IRA also in my daughter 's account for XXXX $ My children XXXX went to college -- i supported themwe did n't use this IRA. I Moved XXXX and when i returned home -- had time to go through my records and remember i filed it but did not get a refund. XXXX my children are adults in their XXXX 's. I contacted XXXX Securities many times but they could n't located my records ( as you can see my notes on the paper work, I was transfer to many departments who basically said they could find it -- i should contact the local who set it. so i did some research but the agent no longer worked at any of the offices here in XXXX XXXX but i tracked down agent who agreed to help me find this account but she too could not figure out what happened to my funds because i had a statement -- but she did not give she continued to research and realized that XXXX had sold some of accounts/money market funds ( i do n't the correct term and since the account numbers were not in there records it had be XXXX of the accounts that sold XXXX Right away i contacted Wells Fargo -- an confirmed that yes they buy some of the fund things from XXXX but since my account was so old- they would have to do research and that would cost. The fee they wanted to charge me to do it was unreasonable and almost more that the funds i had in my small IRA. The conversation was disturbing that i decided to wait and just walk in to a Wells Fargo to ask for help but i was frustrated and not sure what to do because after agent tracked it down or at least could tell by my account that it was an old XXXX number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/22/2016 about Debt collection (Credit card) with SUNTRUST BANKS, INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX XXXX XXXX HAS REPORTED TO MY CREDIT THAT I OWE {$760.00} FOR SOMETHING THAT I REPORTED AS FRAUDULENT TO SUNTRUST BANK OVER 3 YEARS AGO. I HAVE DISPUTED THIS MANY TIMES AND THEY HAVE NOT RESPONDED. THIS IS AFFECTING ME FROM HAVING A GOOD CREDIT SCORE, AND IS THE ONLY COLLECTON ACCOUNT SHOWING ON MY CREDIT HISTORY

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