milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/27/2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Closing on a mortgage

Complaint: Have bee trying to get refinancing to an affordable note with Wells Fargo since before my husband died in XX/XX/XXXX. I have jumped through all kind of hoops for Wells Fargo including starting a probate process that they said was required and that when I received testamentary letters, I would be able to refinance and assume the mortgage. Well, I did that ( which cost me all my savings ) and that was not enough. I then sought bankruptcy protection in XX/XX/XXXX, through this process I was able to stop having sale dates ( at least 8 sales dates and 9 separate applications between XX/XX/XXXX and XX/XX/XXXX ). While in bankruptcy ( still in bankruptcy until Wells Fargo finalizes the  refinance, net date is XX/XX/XXXX ) I was able to received another application and this time received a trial payment ( that was almost 50 % of my VA dependent compensation as opposed to 30 % ) but I have paid it and paid it on time since XX/XX/XXXX. Wells Fargo has now been requiring me to go back to the probate court and they want an order that the matter is closed but I do n't have money for a lawyer and I ca n't act pro se in the probate court although there has been no activity their since XX/XX/XXXX. 
For the last four months they have been sending me this form asking for missing documents, it list two categories with directions to produce a choice of documents listed. I have complied, choosing my husband 's death certificate as the choice for the first category and our marriage certificate for the choice in the second category. Those selections which I have repeatedly complied with obviously are not being accepted although indicated as choices on their form. They have never specifically told me a specific form to provide in their written communications or phone conversations other than suggesting that the probate should be closed and I need a lawyer for more specific explanation. There are no liens or other interest or claims for our home and in fact the only document that has been filed in our property records is the heir ship affidavit that they originally said was not sufficient and I had to get testamentary letters from probate-which turned out only to cost me all my savings. There is nothing valuable here other than my home so there is no lawyer that will touch it as there are no assets from which they can be paid. 
My issue at this point is that Wells Fargo 's representative is making an arbitrary decision for not proceeding ( my home is probably more valuable to them if they sold it ) because the form they keep sending me which I have produced appropriate documents as indicated on that form but they wo n't tell me why they are not proceeding although per their form I 've complied.

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 10/15/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The only names I have ever used are as followed ; XXXX XXXX and XXXX XXXX. I never spelled my name ; XXXX or XXXX or XXXX, please remove those names from my credit report. I have never lived in Pennyslvania and I need the XXXX PA address remove from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Paypal ran my credit without authorization. I did not apply anything.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Tradeline was disputed multiple times and each time came back as verified. Acct ... XXXX. I would like to know the name of the person Experian verified with each time, the dates, the address, and the phone number used. The number on the credit report is not even a working number. I have gone to the courthouse and this judgement is not a recorded judgement. The people at the courthouse have also informed me that they have never had a credit bureau call them and verify anything..on anyone. They also said that they do n't report to the bureaus so it 's not them reporting and verifying.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX Bank reported I was 60 days late for the past two months and when I called they said I was n't, so I needed to contact the credit companies and dispute them

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 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Navient keeps adding balances and subtracting balances from my accounts. this is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and i was not able to be notified i was out of forbearance. I respectively ask that the lates from XXXX be removed and set to current. As soon as i contacted Navient my loans were put back in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as Navient is doing illegal collecting and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Every month, BAC charges me too much when I only pay the minimum amount due by processing the lowest APR first. See below : " If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first. ''

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 04/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: THIS COMPLAINTS INVOLVES MY CREDIT SCORE FROM TRANSUNION CREDIT AGENCY. EACH FRIDAY I CHECK MY CREDIT SCORE ON XXXX. ON XXXX XXXX, 2016 MY CREDIT SCORE REPORTED FROM TRANSUNION TO XXXX WAS XXXX. WHEN I CHECK MY SCORE THE FOLLOWING, XXXX XXXX, 2016, MY SCORE HAD FALLEN TO XXXX. 
I CONTACTED TRANSUNION AND THEY INFORMED ME MANY FACTORS PLAY A PART AS TO WHY MY SCORE MAY HAVE CHANGED. I INFORMED THEM THAT NONE OF THOSE FACTORS HAVE ANYTHING TO DO WITH MY SCORE, AS MY OUTSTANDING DEBT TO MY AVAILABLE DEBT RATIO, HAD ONLY CHANGED FROM 26 % TO 30 %. AND THAT SHOULD NOT HAVE AFFECTED MY SCORE SO DRASTICALY. THAY COULD NOT GIVE ME AN ANSWER AND WOULD NOT ALLOW ME TO OPEN A DISPUTE. ANY ASSISTANCE YOU MAY BE ABLE TO HELP ME RESOLVE THIS ISSUE IS GREATLY APPRECIATED. I HAVE WORKED VERY HARD TO GET MY SCORE AS HIGH AS POSSIBLE AND AT ONE POINT HAD 89 % OF MY AVAILABLE CREDIT OUTSTANDING AND HAD THE SAME SCORE AS I CURRENTLY HAVE. MY AVAILABLE CREDIT IS {$9100.00} AND MY CURRENT OUTSTANDING DEBT IS {$2500.00} MY EMAIL ADDRESS TO RESPOND TO THIS COMPLAINT IS REGARDS, 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 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have asked the companies to remove these unauthorized inquires and they say it is the credit reporting agencies responsibility. They are unauthorized inquiries.   They are listed below :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  All Banks   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  All Banks   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  All Banks   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX .    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX . Agencies  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   Miscellaneous Reptg.  Agencies  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   Miscellaneous Reptg . Agencies  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Utilities   XXXX   XXXX     XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  .   EQUIFAX MORTGAGE SER  XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Automobile Dealers,   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Mail Order Firms  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Mail Order Firms  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Complete Dept. Stores  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Credit Unions   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX       XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Telephone Companies WF  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Sirs : I have spent the last 6 yrs. trying to give XXXX XXXX XXXX and now Portfolio Recovery 20 % of my debt to satisfy it as I did with a {$30000.00} debt with XXXX a few years ago. The time for collection is over. It has been over 6 yrs.since my last payment as I indicated in my first sentence. This debt should be NOT reported any longer on my credit history. This debt is continuing to be reported on my credit history for a longer period than the law allows. 
I want this debt removed from my credit history by. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed several times the following items which are PAST THE STATUTE OF LIMITATIONS AND THE CREDIT REPORTING AGENCIES ARE LISTING INACCURATE DATA WHICH VIOLATES MY RIGHTS ON THE FOLLOWING XXXX XXXX XXXX XXXX XXXX original DLA is PAST THE STATUTE OF LIMITATIONS XXXX XXXX # XXXX {$46000.00} XXXX XXXX XXXX # XXXX Original DLA is PAST THE STATUTE OF LIMITATIONS XXXX XXXX $ XXXX DUPLICATION AND PAST THE STATUTE OF LIMITATIONS XXXX XXXX # XXXX XXXX PAST DUE $ XXXX DUPLICATE AND PAST THE STATUTE OF LIMITATIONS XXXX XXXX XXXX # XXXX NO SUCH DEBT OWED REMOVE AS REQUESTED SEVERAL TIMES XXXX XXXX ORIGINAL DLA IS PAST THE STATUTE AND YOUR COMPANY HAS SAME ACCOUNT LISTED TWICE WHICH IS A DUPLICATION REMOVE AS REQUESTED SEVERAL TIMES

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 04/19/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have been paying approximately {$680.00} a month for my college loans. 
XXXX loan is provided by Navient and this is the loan that is causing all ofthe trouble. My Aunt has cosigned on this loan for me and she has XXXX and she has been subjected to XXXX to XXXX calls a day, not onlyto her home phone but to her place of employment also. This has to beillegal so I am writing to you for help. 
The phone calls seem to be computerized and call from all different areasof the country. There seems to be no one who is in a position to stop this. 
I have had people promise that they would stop calling my Aunt knowingher physical state and XXXX. I gave them approval to take electronicpayments from my account and after a month they took a monthlypayment plus over {$500.00} which overdrafted my account for multipleother bills I have. It then took over a month to get back the unauthorizedwithdrawal. I know that Navient is connected to XXXX XXXX so there mustbe some ability for someone to intervene and stop this harassment of avery XXXX cosigner, my Aunt does n't deserve this and I would like to haveher removed as a cosigner. I intend to keep paying my loans butsomething has to change, please help me with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Debt collection (Medical) with Dynamic Recovery Solutions, LLC (GA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I received a phone call from Dynamic Recovery Solutions saying I owed a debt on a medical bill from 2010. I informed who I was talking to that I did n't believe I owed this debt. A manager got on the phone and was very rude and told me that I did owe the debt. I live in the state of GA and this debt is past then statute of limitations. Also, I called the company XXXX on XXXX and spoke with XXXX and told him that I did n't believe I owed this debt and it was passed the SOL he said he would note that I was disputing this. I also told him that I was going to send a cease and assist letter. He told me no need to that he would note it in the system for me not be contacted. I received a letter in th mail that was written on XXXX from the above company that they had noted my account was disputed and would cease collection efforts on this debt. However, today XXXX I received a call from this company using the number XXXX. I did not answer this number but upon calling back it was Dynamic Recovery Solutions. I have received three letters in the mail and also calls after I had asked them to stop and I disputed the debt. The letter also stated they " may '' report it to a credit agency. This debt is past the SOL and I 'm am disputing the fact I even owe it. I feel like this company has violated the Fair Debt Collections Practice by threats and calling after dispute was received. Upon research I have found that this company has done this to many others as well. I also fee the threat to report this on my credit is a violation of The Fair Credit Reporting Act. I will be writing a cease and assist although it was verbally given and confirmed at the above date. This company I feel violates consumer 's right by harsssing phone calls and threatening letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
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: XXXX XXXX XXXX XXXX Installment Loan # XXXX Date Opened XX/XX/2017 This account in showing 30days late for XXXX, however it has never been late

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 01/28/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I found out from my credit that there was XXXX hard inquiries on my credit. These are XXXX, Capital One, XXXX, and XXXX XXXX. I already talked with XXXX and Capital One they confirmed that somebody fill out an application. Please help me How to deal with this. 
Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2017 about Checking or savings account (Checking account) with U.S. BANCORP (NV).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I have had past problems with US Bank in  XXXX , Nevada with late fees being charged on my checking account. Location of the branch where I first spoke with the branch manager was at  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , NV  XXXX .     On  XXXX   XXXX ,  2017 a c heck #  XXXX  was cashed and withdrawn from my account, there was a remaining balance in my account of {$490.00}, with nothing pending. On  XXXX   XXXX ,  2017 I m ade a deposit from my other  US ba nk account to this bank account in the amount of {$7000.00} and balance became {$7400.00} and also as you will see from the copy of my checking account below there was an overdraft fee of {$36.00} from check #  XXXX  when there was obviously sufficient funds in the account and looking at my online statement balance ( see below ).      XX/XX/2017    Overdraft Paid Fee  XXXX  {$36.00} {$7400.00} {$7400.00}  XX/XX/2017    Deposit View Image {$7000.00} {$7400.00}  XX/XX/2017    Check View Image  XXXX  {$870.00} {$490.00} I went to my branch  XXXX   XXXX  and she told me I had overdrawn but that I would not be able to see that because it was something they could see pending after hours. I then askd to speak with her manager  XXXX  at another local branch and she refused to reimburse the fee so I went to her superior  XXXX  who was nasty and got me irate and defended the fee but could n't show me any proof of what supported the overdraft fee and told me she was closing the  XXXX  accounts I have at their bank and that I could come pick up my cashiers check today. Every  manager  and supervisor including their corporate office could n't show any proof and said that I would n't be able to see what they see on my account. How can I be charged for something pending that they have no proof of and that I ca n't see on my account online or in person. They have done this to me in the past and this was the last straw! I feel t hat US Bank is ch arging me erroneous fees and now retaliating against me for complaining since they are proceeding to close my accounts immediately. I feel that is discrimination as well in the way they have all acted towards my complaint and grouped together and not care about resolving the issue but now saying because I am mad they do n't want my business. As far as I 'm concerned they are stealing my money.

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 04/26/2016 about Credit card () with KEYCORP (OH).
Issue: Advertising and marketing

Complaint: I have a general complaint about credit card soliciting where it says I have been pre-approved. This is suppose to mean I have already qualified based on my credit score, etc. This means they have enough information where they do not need to request any other credit information and thus hurt my score by inquiring through the credit agencies. Apparently this is not the case and it is very deceptive. I will not do business with any company that is deceptive. In fact, I will read them the riot act just as I did to Key Bank yesterday, Monday, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with CORELOGIC INC (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: DISPUTED TO CREDIT REPORTS AND THEY ANSWERED THIS WAS FACTUAL. THIS IS NOT MY INQUIRY. IT IS SHOWING AND IS FALSE INFORMATION AS I HAVE NOT APPLIED FOR CREDIT WITH THIS COMPANY.

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 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (AR).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Portfolio Recovery Associates has two accounts with false information. They have purchased two debts that should have been removed from my credit by now. One is XXXX XXXX for {$3400.00} and are reporting it opened in XX/XX/XXXX. This account was opened in XXXX. My last pmt was in XXXX XXXX. This needs to be removed from my credit immediately. The 2nd account was thru XXXX XXXX for {$1700.00}. They also show this opened in XX/XX/XXXX and it was opened around XXXX as well. My last pmt on it was also aroundXX/XX/XXXX and should be removed immediately. They won/t take this off my credit reports and continue to use the wrong dates and false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2017 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Struggling to pay mortgage

Complaint: I have been working on this file for awhile and I call today and they tell me that I need to resubmit everything! I sent the new counter offer on XX/XX/XXXX and no one has reviewed anything yet. I am giving them the offer amount that they want. Also my client wants to know why he is not receiving the XXXX if he is still living at the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Debt collection (Medical) with Receivables Management Partners, LLC (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i sent a request pursuant to the fair credit reporting act demanding the said company prove they have the legal right to collect said debt even if debt exists. they ignored the request and let the statue of limitations expire. I then sent a final demand to remove the item and cease and desist. They intern sent a validation of debt in response. All documentation will be included. I followed up with then and their response was to hang up on me.

Company response to consumer: Closed with explanation