milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (UT).
Issue: Struggling to pay mortgage

Complaint: Wells Fargo Home Mortgage continues to commit lender fraud. I have called them out on it. I have shown them proof of it. They continue to deny and hide it. I have requested guidelines for modifications. I have been continually denied a copy of this. I have requested a copy of a phone call to the company on XX/XX/XXXX. I have also been denied this. I have been lied to and I have been given multiple reasons as to why they will not help us with our mortgage. I have corrected and proven them wrong on all of these reasons. I have looked up the HAMP rules and know that when we started the process for a loan modification, we were 100 % eligible under HAMP guidelines for a HAMP tier II modification. Wells Fargo purposely took their time on reviewing us, and continually lied to us about eligibility knowing that the program was ending on XX/XX/XXXX. My husband had a XXXX on XX/XX/XXXX. I have been trying since XX/XX/XXXX to get the HAMP tier II ( months before the program ended ). Then in XXXX of XX/XX/XXXXthe new reason given for denial was that the program ended. We are beyond frustrated. Then just yesterday XX/XX/XXXX upon researching laws in my state. ( Utah ). I was supposed to be served with a supbeana of my foreclosure along with a timeline to respond with the court. I never ever received such a document. The way I found out that my home was up for sale at auction was on a website. This is absolutely unfair. Wells Fargo has already been fined for acts like this, yet they continue to practice them, and obviously continue to get away with it. Please stop 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 04/21/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Closing/Cancelling account

Complaint: Today I logged into my online account to make a payment and was shocked to find out that all of my account were placed on a restricted status and all of lines of credit were removed. When I cal led Capital One to g et more information I was told that they believed that there was fraudulent activity on my account. They requested that I send them a copy each authorized users drivers license and social security card. I was told that if I do n't provide the information they would close my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I do NOT have a signed contract nor any contract with Kohls. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: These collection accounts below are not mines. I have contacted all three agencies and the Attorney General in which these companies have XXXX in to dispute the collection tactics. 

COLLECTIONS NCC BUSINESS SERVICES Last reported : XXXX XXXX, XXXX + {$5900.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX reported : XXXX XXXX, XXXX + {$310.00} Needs Attention

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 03/14/2017 about Prepaid card (Gift or merchant card) with PAYPAL HOLDINGS INC. (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: I purchased several electronic gift cards on eBay from PayPal Digital Gifts ( part of PayPal ). Despite keeping the codes secure, when I went to use the gift cards I found they had all been used without my authorization. The total dollar value of the gift cards was {$1300.00}, across XXXX cards. 

After a quick search, it turns out that PayPal Digital Gifts had a web site glitch around XX/XX/2016 that allowed private data ( gift card codes, email addresses ) to be viewed publicly with a simple Google search. This problem was quite widespread and has been well documented across many web forums.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/29/2015 about Debt collection (Payday loan) with Cash Express, LLC (KY).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I was unable to pay my payday loan with cash express in XXXX ky. Even after I tried to set up a payment with them, they have called every day. even had a collection agencency call. I was suppose to be able to set up a payment with them. Now cash express is saying I cant make payments. They was at my door this morning to collect.. Not sure if its illegal to harass people at there residents. But this is very over whelming. Please let me know what I need to do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I am dealing with two promises XXXX is not keeping : CASE 1 ) I 've referred a friend through Text message on XX/XX/XXXX, their system for some reason has missed it and they seem not to accept that it their fault. In other words, they promised rewards if I refer people to XXXX XXXXnd are not paying the rewards they promise to everyone who refers people to XXXX I 've inquired about it in XXXX via XXXX, failed to complete. Then on XX/XX/XXXX I 've filed another inquiry " XXXX '' which did not end yet besides their 6 to 8 weeks promise. CASE 2 ) In XX/XX/XXXX American Express has sent me an offer according to which if I add four authorized users and they spend {$250.00} ( each ) within the first 3 months, I will get {$25.00} statement credit for each 4 cards. All requirements were met within a month and I 've received {$25.00} for only one out of four cards. Ever since then, I 've opened two inquiries/cases : 1. XXXX ( XX/XX/XXXX ) and 2. XXXX ( XX/XX/XXXX ). -Do not delete the case numbers please as I want American Express to be aware of this complaint since they are not connecting me with any Executive Office team to complain. -Both cases were closed without any resolution in my favor. American Express is not even providing the reasoning of their decision or what was it based on. -I 've contacted them so many times that I am sick of even their lies and misleading statements. Almost at all times I 've spoken to them, I 've not gotten the same answer. Everybody has given me a different answer regarding these offers. Conclusion : They have failed to provide what they have promised ; Their offers on both of my cases were definitely misleading and inappropriately handled. The whole experience is taking forever and getting worse and worse every time I talk to them. I will not stop until this reaches any institution that should protect customers from misleading offers, lies and this horrible, irresponsible treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (OK).
Issue: Loan servicing, payments, escrow account

Complaint: A disbursement was made from my escrow account for homeowners insurance when it was not due. Then another disbursement was made when the premium was due 4 months later. When mortgage company was contacted about duplicate payments with in the time period, they sent work order for research and investigation. When I called back about findings on this work order-there are no answers on where the 1st disbursement went, check number or reference number. Numerous phone calls have been made to mortgage company as to where the monies are. Insurance company did not receive the payment that the mortgage company said they sent on the first disbursement. The mortgage company clearly did not send the monies for insurance or even taxes, but did withdraw it from my escrow. This has caused my escrow to be behind for three years now. Each year my payments go up due to the missing amount of escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I made a payment on XXXX XXXX, XXXX to a loan that dispersed on XXXX/XXXX/XXXX. This is within 120 days of the dispersal of the loan. Nelnet applied a portion of my payment to interest on this loan. This happens every semester when I get a bit more than I need on my loan, and I pay back the excess in order to only borrow what we need to borrow. Nelnet consistently tries to cheat us out of some of our money. I have filed 2 previous complaints since I realized that they were doing this, and have been doing it since our first loan was sent to them to be serviced. Every time it happens, I contact them and ask why it has happened, and request that they fix it. They always state that they will fix it, and then they do n't. The last time, they only fixed it once I filed a complaint against them with the CFPB. This time I am being pre-emptive, as I should n't have to follow up with them, after every loan dispersal to make sure that they are doing what is required of them by law. I am attaching a copy of the transcript of my conversation with them today. I do hope that they will follow through, although I will be surprised if they do.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The company who left a viocemail didnt identify, just said they would file against my social security number, called back to ask for company name, person kept hanging up and said not to call unless I am ready to make a payment. Finally got ahold of someone with the company told me the company is called XXXX and they are based out of XXXX Texas calling regarding a debt from Bank of America, they would not provide any license number for the company or debt collections. 

I told them this 'debt ' was settled with Bank of America XXXX BOA XXXX years and years ago. They told me because I called them back I agreed to pay the debt. I told them that is incorrect. 

While I was on the phone with FTC Texas XXXX and Texas XXXX, this bogus company is calling ALL of my relatives. Based on XXXX office and XXXX, this business is not registered with the state or the county, as required by law. 

I can not get them to stop calling my family and every time I contacted the number listed on their website I was told no one is available to talk. They are harassing me and my family and threatening bogus filings which I was told is illegal to 'file ' anything against XXXX 's social security number. 

I want this company to leave me alone and stop the threatening harassing and illegal contact.

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 01-11-2017 about Other financial service (Debt settlement) with ClearOne Advantage, LLC (VA).
Issue: Fraud or scam

Complaint: We signed up for ClearOne Advantage to handle our debt situation. While with our other accounts we had been satisfied, our major account is when caused me to investigate further and realize that this company used a number of shady practices. 

XX/XX/XXXX, I began to receive calls and emails from ClearOne saying they had come to a settlement agreement with XXXX XXXX on a credit card, from {$23000.00} down to about {$9500.00}, in payments over a couple of years. While I was glad for a possible settlement, I was due to receive a sizable bonus XX/XX/XXXX and wanted to pay it off all at once, knowing a lump sum payment would result in an even lower settlement. I expressed this interest and set up a special draft for {$9000.00} XX/XX/XXXX. A few days later I began to receive calls notifying me that a settlement for {$8300.00} had been reached, but again spreading the payments out over a number of months, the first being {$10.00} followed by significantly higher payments the remaining months. I was told that this would be the best settlement, and that with a lump sum XXXX XXXX would actually want more money. ( This was later found by myself to be a lie ). This is when what only be described as harassment began. My wife began to receive numerous phone calls and emails every day urging us to accept the offer. While we were still hesitant and wanted to call XXXX XXXX to ask about a lump sum ourselves, due to the near constant stream of calls, emails and text messages we went ahead and accepted, with the full intention of calling XXXX XXXX ourselves and settling in a lump sum. What we were not told at the time was that by accepting this settlement we were also accepting the ClearOne Advantage fee, which was XXXX % of the ORIGINAL debt, to the amount of {$5800.00}. This, by their contract, is " locked in '' when the first payment is made ( which now shows me why the {$10.00} initial payment was made so promptly ). 

This was all discovered by me after negotiating with XXXX XXXX for a significantly lower lump sum payment of {$7600.00}. 

So, in the end I have XXXX issues : The harassment to accept the settlement I asked for a lump sum settlement for this particular account, and made funds available to do so. I was told this was not possible - this was a lie. 
When accepting the settlements, the fact that this would also accept the fees with ClearOne, with the amount of said fees should be part of the settlement agreement. So instead of the agreement simply showing the {$8300.00}, it should explain that it would also result in the {$5800.00} fee, to a total of {$14000.00}.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I made my request for my credit report via the XXXX website. Experian refused to provide me my report online and stated that I would have to mail in additional verification. I then went directly to their website and chose an option that required me to pay them for the service, and they immediately provided the report after I paid the fee. 

It is very obvious that they are intentionally circumventing my right to receive a free copy of my report and attempting to get me to pay for their service by refusing to provide reasonable access to my report if I do n't choose their premium service.

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 10-01-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Fraud or scam

Complaint: On XXXX XXXX, 2015, I made a purchase on EBay. I was transferred to the PayPal website to make the payment. It was my intention to register my new XXXX with PayPal and make the payment using this XXXX. I went through what I thought were the steps to register the card and was then transferred back to EBay. 
Shortly thereafter I received XXXX emails from PayPal Credit : " Welcome to PayPal Credit '' and " Important information about your recent PayPal Credit purchase ''. The second email contained the statement " If you do not want this offer, please contact us at XXXX Monday-Friday, XXXX to XXXX Eastern and Saturday-Sunday, XXXX to XXXX Eastern. " On XXXX XXXX, 2015, I logged into my PayPal account and saw that my new XXXX ( XXXX ) was listed as an accepted form of payment. I then called the XXXX number and spoke to a representative. I requested to have the PayPal Credit account cancelled and to have the original transaction charged to the XXXX. She told me that PayPal Credit ( PPC ) did not accept credit cards and that I would have to provide a bank account for payment. I told her that I had been deceptively signed up for the PPC account and insisted on making the payment with the MC. She continued to insist on the bank account transfer. I asked to speak to her supervisor and was transferred to " XXXX, in Arizona ''. He also refused to take payment from the XXXX and insisted on using a cash account to settle the transaction. I told him that I would be filing a complaint with their Federal regulator prior to making any payment decision but he did not change his position. I asked for his supervisor 's name, " XXXX XXXX '' and an address to complain to PPC, " XXXX XXXX XXXX, XXXX, MD XXXX ''. I then ended the call. 
A quick internet search showed me that PPC had already paid a XXXX fine to the CFPB for similar practices in Civil Action No. XXXX. I then decided to file a complaint immediately with CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: XXXX   XXXX , now Navient, are thieves. They are unprofessional, apathetic, and scheming. I have loans with  XXXX   XXXX  from College. Over the last fifteen years, I have been harassed, insulted and beaten down by them. I had a customer service rep tell me to get another job or rent out a room in my house in order to pay my student loan. I am a  XXXX   XXXX   XXXX  and was told that I no longer qualify for student deferment. My most recent statement, my interest rate went up again. How is that legal. I owe double what I borrowed and my interest is now 10 % on  XXXX  loans, and 7 % on my  XXXX . How will I EVER pay it back? How can they keep raising my interest? How is what I have paid hardly touch any balance? They are not willing to work with me, and are unreasonable. How can a single mother, let a lone person, pay with interest loans like this and no other support. How does IBR not qualify for this. It was student loan. I ca n't get anyone to refinance, even though I would have to refinance interest, it 's ridiculous. All I am asking is for them to be reasonable. I owe almost  XXXX  and borrowed less than half that. How will I ever pay it off. All I am asking is for a fair interest rate.     I am so desperate, I tried filing bankruptcy in order to survive,  XXXX   XXXX  wanted my monthly payment which was more than my rent. Private student loans do n't qualify for IBR or deferment, or refinancing, but do n't count as a private loan to file for bankruptcy because it 's a school loan. I am desperate.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Grant & Weber (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Pulled credit report on creditkarma.com prior to filing bankruptcy. Grant & Weber not on report. Filed bankruptcy at the end of XXXX. Went to court in XXXX. Started getting emails about a new item on my credit report. Found Grant & Weber updated my credit report twice for the same XXXX XXXX account that was included in the XXXX bankruptcy, XXXX update was for {$200.00} and second update was for {$200.00}. This account shows active since XXXX but only appeared on my credit report after I filed bankruptcy. I contacted my lawyer who was unable to have the collection activity stopped. I recently filed a dispute with XXXX, the item was completely removed from my credit report but I feel it was never supposed to be there to begin with. The collection account is also from a hospital which I 've never seen a hospital bill appear on my credit report. I also find it strange that almost immediately after filing Chapter XXXX a fresh item of debt was added to my credit. I begin to get phone calls threatening to take me to jail, I ultimately had to change my phone number.

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 04-11-2017 about Credit card () with Alliance Data Card Services (OR).
Issue: Billing disputes

Complaint: Despite contacting Comenity Bank in writing, disputing interest and fees being charged for interest that was not supposed to be charged in the first place - the balance for merchandise was paid in full within the terms of the card - I continue to receive DOZENS of harassing phone calls every week to pay the balance I DO NOT OWE. 

I previously filed a claim - case number : XXXX - which did not result in any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am filing a complaint against  XXXX   Dept of Education , because they had reported and continue to report that I have two late/miss payments for  XXXX   XXXX  on all  XXXX  loan accounts, this is incorrect because I was in school at University of  XXXX  during this time with in school deferment up until  XXXX   XXXX , after that I was approve for deferments  XXXX  &  XXXX  and currently have an Unemployment deferment for  XXXX . I have been in deferment since I started school in  XXXX .

Company response to consumer: Closed with explanation