milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/30/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (RI).
Issue: Managing the loan or lease

Complaint: I opened a 12 month-no interest loan for items with XXXX through Wells Fargo Bank on XX/XX/XXXX. No interest monthly amount is {$240.00}. On XXXX or there about, I made a telephone payment including a a late fee totaling {$260.00}. Today while looking at my statement I noticed that my new balance is {$910.00}. XX/XX/XXXX should have been the 12th and final payment. The customer rep, after much time on hold, informed me that when I made my payment via telephone in XX/XX/XXXX, that I gave them the wrong checking account number at that time. Since I was never notified that the wrong checking account number was submitted ( whether by them or me ), I had no idea a payment was not made until today when I spoke to the account rep, who also told me that Wells Fargo in not legally obligated to tell me that the payment method was in error ( until today in explaining how they can charge me over {$600.00} additional interest in addition to the XXXX payment, if I were to pay the account in full ). Interest will now continue to accrue. Additionally, the statement is and has always been sent with a minimum amount due of {$100.00}, with no mention of the {$240.00} no interest payment, with the exception on my payment made the previous month in that amount, interest amounts and charges, etc. i.e. the statement is extremely confusing. My complaint is that Wells Fargo should have notified me immediately that the payment was entered in error when made by telephone. This leaves only two scenarios by Wells Fargo. 1. Intentionally holding the fact that my checking account number did not go through and payment was not made. Or 2. Not giving this information to me regarding the incorrect checking account number for payment until I asked seven months later when/until I asked.

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 05-05-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: Opened up chase checking accounts with a coupon and code for {$150.00} in XXXX 2015 this year. I was told by chase customer service that coupon was apply and I would receive the {$150.00} in my checking account which never happen. So I tried asking again for my bonus today by phone and the rep said I 'll need to go in person to local branch to receive bonus. Since I 've now asked for my {$150.00} bonus XXXX times in the last 4 months, with no success. I filing a complaint now in hopes that you can help resolve this issue. Chase must honor its committment this has been very misleading. Without this offer of {$150.00} I probably would have stayed at my current bank XXXX XXXX. Please help me retrieve my bonus of {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I are behind in our mortgage payments and Green Tree Mortgage is constantly calling us which I understand is their job. The loan rep. called my work however and told a supervisor who he was. This I think is wrong. He then spoke to my husband XXXX and told him if he gave our bank account number to him he would freeze the mortgage account at Green Tree 's level to keep us out of foreclosure. The loan rep said NO MONEY would be taken from our bank - it was simply an internal form he needed to fill out. My husband believed the man and thought he was helping us out. The loan rep took the account number and submitted some form of request for payment from our bank which overdrew our account by {$3400.00}. We have no money now with a sick husband and XXXX children. I tried to call the mortgage company to report this and was passed from person to person and told they did n't place the hold which was a bold faced lie. Then they told me my husband authorized the hold which was a lie. They kept giving me the run around when I asked to speak to a supervisor or XXXX they kept me on hold for over XXXX minutes waiting to speak with a manager. The mortgage company kept passing me through to XXXX XXXX our loan rep who was the one who LIED to us. I understand we are wrong for not paying but that is not an excuse for a mortgage company to lie about things and overdraw our bank account. My husband is sick and this is so unfair and then to be treated like my complaint was not valid made me so angry and to keep passing me back to the man who started the whole lie was insulting. Please tell me there is something that can be done so this does not happen to anyone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Transaction issue

Complaint: I had an XXXX XXXX mastercard with Barclay 's Bank, but upgraded to an XXXX XXXX mastercard. Barclay 's closed the XXXX XXXX account, but in XXXX I was notified that I would be issued a credit to the XXXX credit card. I assumed that I would be issued a check or the credit would be " rolled '' into my new XXXX XXXX credit card account. After receiving a second billing statement with a credit balance on the XXXX XXXX credit card, I called Barclay 's Bank. The first agent told me the account was closed and she was unable to issue me a check. She told me the credit balance would automatically be " rolled '' into my new account, but could n't explain why it had not already been done " automatically. '' I had to speak to an account specialist, and 25 minutes after my initial call, I was told the credit would be moved over " manually. '' Barclay 's Bank made it difficult for me to receive my refund and blamed the difficulty on computer glitches.

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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted the credit bureau 's as well as filing a complaint with the CFPB and called US Bank because they have put inaccurate information on my credit report regarding a charge off credit card with account number beginning XXXX. My credit reports were pulled on XX/XX/XXXX showing a Charge Off from XX/XX/XXXX and 6 late payments of 90+ days. I sent in the disputes that the date of last activity was inaccurate, stating that it is prior to XX/XX/XXXX. After submitting the dispute, the credit report was pulled again on XX/XX/XXXX now showing a Charge Off from XX/XX/XXXX and 43 late payment of 90+ days. These new late payments have been inaccurately added to my report. I contacted US Bank about this issue ; I was told that they report monthly and could not help me. However, it appears that the credit card decided to add 37 late payments as retaliation for my request to have accurate information on my report.

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 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently started working on my credit I saw that I have 25 hard inquiries on Equifax,11 on XXXX , 12 on XXXX I called the company on XX/XX/XXXX asking to either dispute or remove these because they were not authorization each company told me they would dispute them seeing as XXXX had there breach last year and Equifax this year within a couple days I received emails saying they were completed so I tried to check there status I was n't able to access online so I called today XX/XX/XXXX and was told they ca n't dispute it and even though they unauthorized there was nothing they could do

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: We have been trying to close on our home, but our mortgage company ( Carrigton Mortgage ) constantly fails to provide an accurate payout amount to the title company or to us. Moreover, the company charges a late fee to all customers closing on their mortgage, regardless if a late fee has occurred. They inform us that they do this because they assume we are going to be late on our payment. Is this practice legal? In addition, they are not being clear on the current status of our escrow balance.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a statement from Paypal regarding a pair of children boots I purchased on XX/XX/XXXX for XXXX. I request all my statements to be mailed which was never done. I notified Paypal CSR and spoke w/mgr. I was told statements sent via email, which I do n't read often that why I request paper statements. I was told the purchase of boots was only {$29.00} plus any late fees and interest. I made a payment of {$29.00} on XXXX/XXXX/16 leaving a late fee and interest balance of {$25.00}. I closed the account on XXXX/XXXX/16 after the payment of the boots. Apparently the account was not closed. After my Attorney contacted them via letter I started receiving paper statements. On XXXX/XXXX/16 email statement bal {$64.00}. Paper statement XXXX/XXXX/16 bal {$100.00}. Paper statement XXXX/XXXX/16 {$130.00}. Paper statement XXXX/XXXX/16 bal {$170.00}. Paypal have added exorbitant fees on to the account for a minimal payment of {$25.00} late fee. I agree w/ {$25.00} late fee but not the other fees. 

My Attorneys sent letter XXXX/XXXX/16 & XXXX/XXXX/16 and sending XXXX today. Stating we have reviewed XXXX XXXX account balance and transactions with her. It appears that you have failed to provide a paper statement on her account as requested. Further it appears you have added exorbitant fees on to the account for a minimal payment of {$29.00}. Thus, we would demand that you XXXX out XXXX XXXX account and send her written confirmation of the closing of this account. 

1st letter mailed : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX 2nd letter mailed : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX 3rd letter mailed : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX As of today no response of account being closed from PayPal just statements with late fees and interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/22/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I 'm writing in regards to XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, XXXX. 

My son left the apartment in XXXX, XXXX. Working with XXXX . XXXX XXXX, Senior Leasing Consultant, at the time, they agreed the apartment complex would keep his deposit and the rent for XX/XX/XXXX in return for letting him leave the apartment at the time. My son did not get anything in writing from XXXX XXXX as he trusted her to keep her word. 

Now I understand there is a notation on mine and his credit report that an amount is owing to the apartment complex due to his leaving prior to the end of the lease. 

I know XXXX XXXX was sold to other owners who put the bad debt on our credit reports. 

I would like this matter cleared up very quickly. 

I can be reached at XXXX during the day or at XXXX after XXXX XXXX here in 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 09-06-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Struggling to pay mortgage

Complaint: After two years of being in Court and asking this bank to give me a modification they are simply not budging. I live in the property with my XXXX young kids. I work two jobs to provide my kids. The bank wants me to pay {$5400.00} every month which can go on forever. How can a bank ask you to pay that much knowing I have to raise my kids on my own and survive and pay for food and utilities. I am not getting child support from my ex-husband, He caused this mess but I have been trying to fix this. 

I do n't think XXXX XXXX XXXX is showing good faith knowing I paid them from XX/XX/XXXX to XX/XX/XXXX {$5300.00} each month for a total of {$21000.00} my savings. So what am I suppose to do now. I have depleted my savings. I can pay a mortgage payment of XXXX but not XXXX. 

I am asking for some help to reason with this bank. You reached out to them last and asked them t resolve it but there resolution is giving me the same repayment plan of {$5300.00}. I am having a hard time understanding why nothing is being done to stop this bank from asking a single mom to pay so much to foreclose on her home in a few months. 

I 've done my part and proven to them I can do this. 

Thank you.

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 04-02-2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (NJ).
Issue: Fraud or scam

Complaint: I bought something virtual over the internet and paid via paypal gift. The person said he sent it and disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Debt collection (Auto) with Patenaude & Felix APC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: On XXXX XXXX XXXX I found out that the above company issued writ of execution on behave of my name for bank garnishment. This writ was issued on XXXX XXXX, XXXX in XXXX Supreme Court in XXXX XXXX XXXX. I was never served a copy of this writ or any other docket entries as of the case was initially filed with the court. I live out of XXXX state for 8 years. I left on XXXX XXXX, XXXX and moved in XXXX. After 3,5 years I moved to XXXX, currently I live in XXXX for 3 years. I was not aware of judgement entered against me. I was never contacted by the collection agency above. On XXXX XXXX, XXXX I contacted the agency to find out when was the docket filed the person I talked to refused to provide me with any information about the court case. He advised me that I can find the case record online without giving any further information. After I insisted at least to be provided with the county courthouse, the person let me know the name of the above court. Moreover, I contacted the legal department of XXXX XXXX XXXX ( the writ was issue to withdraw all my bank funds in that Bank ), they provided me with the docket number so I can research the issue. Currently, I will be filing motion to vacate judgement due to inappropriate service of defendant ( which never happened in any state I resided so far or the state I live currently ). Thank you in advance for taking the time to investigate that issue.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have 3 student loans that i 'm currently paying, in good standings that are reflecting on my credit report with another company ( XXXX XXXX XXXX XXXX ) that are closed. 

XXXX XXXX XXXX XXXX in the amount of {$8500.00} and {$2900.00} these are closed XX/XX/XXXX and took over by XXXX. 

XXXX XXXX XXXX in the amount of XXXX was closed XX/XX/XXXX and taken over by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: MY BANKRUPTCY SHOWS THAT IT WILL COME OFF MY RECORD ON XXXX MY BANKRUPTCY STARTED IN XXXX SO IT SHOULD BE DISCHARGED XXXX AND ALSO IT SHOWS 2 SEPERATE BK ON MY REPORT AND ALSO I PAID ALL DEBTORS OF BECAUSE MY BANKRUPTCY BACKFIRED

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Mortgage) with SELECT PORTFOLIO SERVICING, INC. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX I obtained a copy of my credit report from XXXX and noticed that XXXX has allowed a collection agency named XXXX XXXX XXXX to insert in and duplicate a debt that is already listed on my credit report with the XXXX. SO now the debt is listed twice! Different amounts different dates! What is happening is that the original company ( SPS Servicing ) account is near its time of deletion from my report, and they have sold my account to a collection agency in which I have " NO CONTRACT WITH '' and now the debt is listed twice! A clear violation of law! XXXX XXXX XXXX has illegally added this debt to my credit report. Every few months another company buys the debt which now its ( XXXX XXXX XXXX ) reinserts it changes the dates and amounts and list it negatively on my report again. Most recently they have not payment history for the last 2 years but have the debt listed as being open in XX/XX/XXXX and a balance of XXXX as of XX/XX/XXXX. This is NOT true and a total lie in an attempt to ruin my credit. I have NEVER received any correspondence from XXXX XXXX XXXX and want this removed from my XXXX Credit Report asap! This is against the law. They have violated the FCRA Section 623 ( a ) ( 3 ) and FDCPA Section 807 ( 8 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 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 have a 2 hard inquiries both from XXXX that I did not do : XX/XX/2016 XX/XX/2016 I spoke to them about it and they confirmed on the call that I was not the person who tried to open these accounts. I notified the credit reporting bureaus but they are still showing up on my credit report. I would like to have both these hard inquiries. removed.

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 03/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: XXXX XXXX NO MISSED payments/ NO BALANCE cancelled due to loss/ stolen XXXX reported XXXX XXXX XXXX 11 years ago. 
can not reach anyone regarding account.

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 01/15/2016 about Mortgage (FHA mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (VA).
Issue: Settlement process and costs

Complaint: I refinanced my mortgage on XXXX XXXX. My current mortgage servicer at the time stated that they did not get the payoff amount until XXXX XXXX. Since the loan was still serviceable on XXXX XXXX they took a payment for the month of XXXX. When I contacted them about this they did refund the principle and escrow portions of the extra payment but not the interest portion totaling {$700.00}. So in essence I paid and additional {$700.00} for a transaction that should have taken place one day earlier. The main problem is that ALL mortgage refinances are completed on the XXXX of the month and my HUD form this transaction states the XXXX of the month. This is not sufficient for my former servicer and they state that they owe me no more money.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Consumer Loan (Title loan) with Westlake Services, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: My creditor matured my car title loan 8 months before true maturity of my loan and had no choice but to refinance my loan i was told to send paper work back as soon as possible so they could help me. According to them I still owe them most of my original loan amount. I truly believe that something is very wrong and I would like some help

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from my credit.

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. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifaxreports the unauthorized access occurred from mid-XXXX through XXXX. Equifax officials discovered the hack on XXXX XXXX. They failed to notify me at all ( 1 month 10 days as of now ). This is well over 30 days. 

I put in my information to see if I was affected and received the following message from their website : " Based on the information provided, we believe that your personal information may have been impacted by this incident. Click the button below to continue your enrollment in TrustedID Premier "

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I recently hadiscovered to pull my reports for employment and I saw inquiry that had been deleted reinserted.

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