milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/21/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (DE).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In XXXX of 2012 I was unable to make full payments on a group of student loans with Wells Fargo XXXX XXXX. The problem arose when in making a partial payment through the Wells Fargo online portal, instead of paying the loan that could have been paid with the partial payment Well Fargo divided up the payment among the XXXX loans and in essences allowed them to be all delinquent. This lead to them assessing late fees on all loans in the group and reporting them to the various credit bureaus. Furthermore, at the time the option to assign payments to different loans in a group had not established ( until very recently ). My problem lies with the way Wells Fargo chose to assign payments to maximize their profits at my expense as well as their convenient use of group loan policy. Previously, on their website they treat loans as a group establishing XXXX payment amount for the entire group but when reporting to credit bureaus and for assessing fees it is every loan for itself. Currently, Wells Fargo has corrected the payment process online, now when you attempt to make a partial or extra payment amount you are given the option to chose which loans to pay. In my mind this is tacit acknowledgment that their previous policy was wrong and detrimental to their customers. For me the damage is done, however the remedy I seek from Wells Fargo and I have reach out to them in this regard is the removal of at least 1 of those late payments from my credit report. This would provide some relief from the flawed methodology that Wells Fargo used that I personally had no control over. I have prepared a letter to send to Wells Fargo to express my concerns but I have launched this complaint because I suspect that I am not the only one who has suffered this faith.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Capital One called my relative on XXXX/XXXX/2016 at XXXX and disclosed to them that I allegedly owe {$900.00} to their institution. 

This is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company called stating I owed personal debt. The address used was an address I was listed under over 16 years ago. I dont have any open cards. T hos companu obviously are a predatory company. I am in practice to request an updated credit report at least one yearly. They claimed to be portfolio asset or another.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Almost 10 years ago we did a short sale and sold our house in XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. This was our primary residence. There was a temporary law in place where a homeowner was not penalized for the debt forgiven. I received the attached document showing the identifiable event occurred on XXXX-17. Ocwen keeps harassing us every 2 years about this and now they have sent a XXXX Every two years we have to show them the debt forgiveness paperwork from the closing. The original mortgage company was XXXX XXXX XXXX XXXX and Ocwen must have bought them out. As an FYI - we also had a mortgage with them in XXXX which was paid in full and we have since sold that house and moved to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Mortgage debt) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This is the second Cease and Desist letter that I have sent to Select Portfolio Services and   XXXX   XXXX   XXXX   ( a fraudulently substituted trustee ) attempting to foreclose on a Deed of Trust recorded on  XXXX   XXXX , 2007. Both are acting in concert and with the help of a fraudulent and robo-signed Assignment of Deed of Trust executed and recorded at the   XXXX   XXXX   XXXX   XXXX   by   XXXX   XXXX   XXXX   who is not a party to my Adjustable Rate Note and my Deed of Trust.
 XXXX 
I have also sent a Qualified Written Request and they turn around proceed with the TRUSTEE SALE without appropriately responding to my QWR and Cease and Desist Letter.
 XXXX 
I have disputed the validity of the debt, the Assignment of Deed of Trust and the Substitution of Trustee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've disputed with them over and over that I WAS NEVER LATE with XXXX XXXX XXXX Credit Card. All three bureaus stated the account was verified with no proof. My account is paid on time or ahead of time and paid in full most of the time or min payments and my account is on AUTOPAY. They will not remove the late payments from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While window shopping for a car deal, during my discussions with the car salesman and even the financial manager, I was specifically told that my credit report would not be pulled so that no hard inquiry would result. However, the very next day I checked my credit score and it had decreased because of XXXX hard inquiries by the car dealership. I never authorized them to pull my credit report. I have written a letter to the car dealership and have even placed a call to speak with XXXX of the financial managers. The financial manager with whom I spoke told me that he was going to investigate. It has been over a week and nothing has been resolved. The XXXX hard inquiries still show up on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: Im very upset at Select Portfolio Servicing. They have been jumping me around for a very long time now with my loan modification. I can not get a loan modification without them threatening me with a foreclosure sale date. I right now have sale for home on XXXX XXXX, 2017 at XXXX I still to this day can not get a loan modification they always denying my loan modification. Please help me with this. I am out of options I do not know what else to do for them to stop the sale and give me a loan modification. Please help me please I need someone to talk to about this. I have sent them all documents for packet of loan modification. They are violating my Home Owner Bill of Rights and I need the sale stopped imminently for my modification to go through. This is way too long over two years now and I can not get an offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (SC).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom it may concern, I am a XXXX Veteran trying to sell my home for the last two years in South Carolina. I am divorced as of XXXX XXXX 2015 and the property that is to be sold is part of the settlement. We have a qualified buyer who wants the house, we where to close on the home on XXXX XXXX 2015. I have moved out of the house as of XXXX XXXX 2015, the house has to be sold do to my medical condition. I have XXXX. We have medical bills to pay and other divorce cost. The title for the house is not where it is surpose to be according to the closing attorney here in South Carolina and states to us seller and buyer that we can not sell the house because of this title mayhem. Wells Fargo is not helping in this matter at all. They just keep pasting the buck ... I have stopped payment on the house as of XXXX XXXX 2015 do to the fact I can not afford rent, mortgage, medical, and divorce cost. I have to be able to take care of me and my XXXX children. No one with Wells Fargo will try to help to do the right thing and solve this issue. We need help in the worst way before my credit is messed up. Please Help ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Problems caused by my funds being low

Complaint: I overdrafted my checking account at sovereign bank a few years ago on a small charge. Shortly after I overdrafted I had my wallet stolen. I had overdrafted between XXXX and XXXX dollars and now I am being called by collection agencies looking for XXXX dollars. I went in to my local ( whitman ) santander branch to resolve the problem and they were not willing to wipe the charges. I am a college student and I am struggling to open a bank account because of this ludicrous fee that I can not pay off.

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 03/18/2016 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Other

Complaint: I have been charged interest twice when I paid off an account before the end of the statement due date. ( Chase Card ) EX : I owed {$10000.00} due XXXX XXXX I paid XXXX in various amounts before the due date. 

I was charged interest of {$64.00} Upon calling the supervisor to ask about this I was told this was residual interest from a XXXX statement that I owed. I then asked what I then owed and was told {$980.00} and they would give me {$6.00} + in credit and redeem my earned points. I paid the XXXX that the supervisor told me I owed before the due date of XXXX XXXX anbd when I called the bank today to make sure I had a XXXX balance there was yet another interest charge of {$35.00}. I called a supervisor again today and XXXX the supervisor told me it was residual interest since I talked to XXXX the supervisor on or about XXXX XXXX. 

I thought you could not be charged interest if an accont was paid off in full before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2017 about Money transfers (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Other transaction issues

Complaint: On XX/XX/2016 I transferred payment to XXXX XXXX XXXX for payment to our vendor XXXX. I was not aware our vendor had closed the account with XXXX. XXXX has not returned the {$4100.00}.

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 monetary relief
Consumer complaint received 03/29/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This credit bureau is improperly reporting a bankruptcy under Public Records on my credit, causing significant damage. Per the Courts, they do not report to credit bureaus and/or share 3rd party information. The credit bureau improperly pulled and/or purchased information from a third-party agency. Therefore, it MUST be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I placed an dispute on XX/XX/XXXX asking for an verification of the dispute on XX/XX/XXXX which was on a Sunday. Then on Tuesday XX/XX/XXXX I receive an email stating dispute was completed except when I tried to contact them at XXXX it would not allow me to speak with a live representative. So how did the verify anything with no documentation

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 12/14/2016 about Credit card () with TD BANK US HOLDING COMPANY (IL).
Issue: Credit determination

Complaint: I had applied for Target credit card. I had a hard credit hit on my credit report, but I received a mail from Target saying that ' they had to stop processing my application because they could n't verify my identity '. This is not acceptable as they could pull my credit report and not able to verify my identity. This happened twice. I had XXXX hard credit inquiries and no positive response.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I get some accounts on my credits reports with XXXX balance who was closed on XX/XX/XXXX and not going to be removed until XX/XX/XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$3500.00}.

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 10/27/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My husband has XXXX because of cost of XXXX we were forced into chapter XXXX Navient did not notify us that they refused the BK court ruling until XX/XX/2016. We contacted them they said we could pay {$50.00} to defer payments for 3 months to give us an opportunity to resolve the issue. XXXX 's credit report shows paid in XX/XX/XXXX then XX/XX/XXXX 60 days late??? So after a BK showing a late payment ( which I have sent them ALL supporting credit reports ) we have no chance to purchase a car, home or anything else. They refuse to correct their mistake on our credit. We were not late and the minute we were notified we contacted them and paid the fee to defer for 3 months. We would just ask that Navient removes the 60 day late off of Our credit as this is an error on their part. Obviously if we were current in XX/XX/XXXX we could n't be 60 days late XX/XX/XXXX. Please help us remove this from our credit! My husband has XXXX. He has been so worried about this. We only want them to report it fairly. Thank you so much I pray you can help us.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Mortgage (VA mortgage) with FLAGSTAR BANK, FSB (WI).
Issue: Trouble during payment process

Complaint: Flagstar Bank, XXXX, XXXX Michigan is unresponsive [ and incompetent ] to all requests sent by me : by telephone [ ( XXXX ) XXXX ] - failed to reply ; emails [ XXXX ] - failed to reply ; XXXX letters, failed to reply beginning XX/XX/XXXXand continuing thru to today,XX/XX/XXXX when they closed my case inquiry : number XXXX saying it was " resolved ''. It was not and is not. My requests centered on failure to timely pay my escrowed money for my XXXX taxes ; account for where my escrowed money was sent ; selection of XXXX as a servicing agent without my consent or approval and overall failures of Flagstar to provide any service on any level to any of my questions or requests. I believe they have breached their fiduciary duty to me in the handling of my escrow. I believe my escrow is my money and have acted only for their convenience and generally not on my behalf. I believe Flagstar 's actions are negligent, intentional and devoted to defeating consumer complaints. Flagstar 's customer service is misguided, uninformed, lacks competency, provides wrong answers and is designed to provide as little interaction with the consumer as possible. When letters and emails are sent Flagstar 's uniform practice is to ignore the inquiry & content and not reply.

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 01/26/2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: This complaint is being made for several reason ; I will be listing them below and will be making a separate complaint against each of the XXXX bureaus. I feel that I am a victim of abuse, handed out by these mega-companies that have no one to hold them accountable to. I wrote the bureaus myself last month and listed my disputes in great detail, listing the reason why I felt my accounts are inaccurate. Equifax has not investigated any of my accounts. I have contacted all of the companies on my credit file to inquiry whether the credit bureaus have contacted them and what documentation was used to substantiate the way they are reporting the item in question. Not only that, but I have provided actual proof to Equifax that they have the public records reporting with invalid information and they have responded that this information is verified. Please explain to me how they can report a date that does NOT EVEN EXIST and for them to say that this is the actual way it is meant to report! I know my rights and I know that when I notify them of inaccuracies, they are required to provide an investigation into these items. If I do n't agree with their results, they are required not only to do another investigation, but to ascertain that the info they receive from the creditors is actually correct and accurate. To send me something stating they will not investigate AT ALL is completely ridiculous. They get paid to report information on my credit report so they have no incentive to remove these items. They think that by sending me a letter, I 'm going to accept it, shut up and go on with my life. I KNOW that my rights are being violated and I will get an attorney if I must to actually do something on my behalf. I know the accounts on my credit file that i have disputed are either inaccurate, unverified or incomplete. I would like to see the actual documents that were used to verify these items, I would like to know their method of verification and I would like to know why they are reporting items on my credit file that have not been legally verified. Congress states that the only legal form of verification is firsthand knowledge ; that means they are required to have the actual proof in their possession to verify these items. If they do n't, they are not legally verified and must be removed. 
I 've included my 1st and 2nd dispute letters which detail why they are inaccurate. I 've included the proof that Equifax is reporting public records that do not belong on my credit file because they are not in the least bit accurate, valid or complete.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Credit card () with BARCLAYS BANK DELAWARE (WI).
Issue: Credit card protection / Debt protection

Complaint: I filed disputes with Barclaycard Master card on XX/XX/2016. First after 3 months they just closed the dispute then reopened it when I called about it and then closed it again after another 2 months. They felt the merchant was in the right. I do n't feel they fairly represented me the customer. They never even bothered to give me a call. All calls were initiated by me and I never got what I felt were fair responses. I had provided them with a lot of information to prove my disputes but they showed me nothing the merchant provided to prove me wrong. I was left with the impression that they just did not want to take the time to follow through with my disputes since it involved a lot of money. My other Credit Card companies took far less information and found in my favor. They did not even offer arbitration.

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 10/19/2017 about Debt collection (I do not know) with Northeast Recovery Solutions, LLC (MO).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: XXXX XXXX Services or XXXX ( XXXX ) continues to contact me at my office, involving my boss and co-workers in this fraudulent attempt to collect a debt. I have asked them REPEATEDLY to stop calling my office and only to contact me via XXXX Mail. The last call was on XXXX @ XXXX.

Company response to consumer: Untimely response
Consumer complaint received 03-03-2016 about Debt collection (Medical) with Business & Professional Collection Service Inc (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: To whom it may concern, On my last visit to this office ( XXXX XXXX & XXXX XXXX, XXXX XXXX office ), the doctor made some confirmation and told me that everything would be covered by my insurance and I only have to pay the copay, and that was why I agreed to have the procedure done. I came to front desk and made the copay payment and even asked them if I owed anything else. They confirmed that I dont owe anything else. But I just checked my credit report, I have a collection from them of $ XXXX.This is affecting my credit score I request this tobe resolved since it 's the wrong amount posted on my account. My balance should be {$0.00} and I should not owe them anything I called their billing office to try to resolve this but they were mean, used profane or other abusive language and said I still owe the amount. She sounded like it was okay for them to lie and misinform their patients including me ( that I didnt have to pay for the procedure ) so that I will agree to do the procedure I called my insurance and they told me to call the doctor billing office and tell them to call my insurance but they refused to do it

Company response to consumer: Closed with explanation