milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/23/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I co-signed for a relative 's student loan at Wells Fargo Bank. The relative moved out of the country and I can not reach them. Wells Fargo demanded that I repay the loan I co-signed for and I have been doing so for almost a year. Since I am repaying the loan I asked Wells Fargo for access to the loan on line. I think my relative 's parents may be trying to make some payments on the account but without on line access I can not find out. Since I co-signed for loan and since I am making payments on loan why can bank refuse to provide me with on line access to an account that I am legally obligated to make. Bank tells me that only the original borrower can authorize me access to look at how my payments are being credited. Is that true? Can they block me from seeing how and when my payments are applied to a loan I am legally obligated to make on line? They state that I can call them for this info at any time and they will give it to me over the phone or by mail but I can not have on line access. I am a Wells Fargo Bank customer and although they told me initially that I can have on line access to my checking account, credit cards and all loans they stated that student loan co-signers can not view their loans with them unless the original borrower who is in default calls them and grants me access. What rights do I have to this loan information?

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 10/17/2016 about Consumer Loan (Personal line of credit) with ONEMAIN FINANCIAL HOLDINGS, LLC. (FL).
Issue: Problems when you are unable to pay

Complaint: One Main have sold this account to XXXX XXXX were my husband is making {$50.00} payments every week. I need to get One Main off our report report as a charge off. Now that the other creditor have the account and receiving payments.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Struggling to pay mortgage

Complaint: I got behind and tried to do a modification. The doubled my house payment and are not applying any of the payment to principle. Taking their " fees '' off the top. Tried to do a short sale. They said that would take 30 days and they would " think about it ''. Have repeatedly been told by the company I should just let it go back, in other words foreclosure. I had a guy willing to buy for  XXXX  less than owed and they rejected. House needs lot of work. They have been impossible to deal with and Im going to be homeless because I cant pay double payments. I feel like they have oushed me into foreclosure, and the worst part is they act like they have done me a favor. Its a shame. Im not working right now and struggling just to hold on. I am currently caught up on their sorry modification plan, but it still shows like Im behind with all the credit reporting companies because they arent reporting it as paid. So any hope I might have of getting another place will be hindered by this. I have been told the second I miss a payment legal proceedings will be started.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had a fraud alert and a consumer statement on my credit file and Equifax is reporting unauthorized inquiries on my credit file that I do not have an account with. I advised them this in writing and they have never sent document-able proof with my signature authorizing these creditors to pull my credit file. The following inquiries are inaccurate and unauthorized : XXXX THEXXXXBANK

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PRESTIGE FINANCIAL SERVICES INC (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Screen shots attached show that Prestige financial has been reporting late payments to all three credit bureaus. This account has been closed/charged off since 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Credit reporting () with Credit Karma, Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This is a {$450.00} debt that has been placed into collections. The collection company is XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA. I have contacted XXXX by US mail and received two letters back written in XXXX. I have contacted them by phone and they indicated that the original account ( XXXX ) was listed as an XXXX speaking person. I do not speak speak XXXX. I submitted an online dispute with XXXX, but they decided in favor of XXXX. I have never received any documentation, XXXX or otherwise, validating this debt. I have offered to just pay the debt as long as it gets deleted from my credit profile. I was divorced in XX/XX/XXXX, and moved several times in the years after that. This debt recently came to my attention on a credit report inquiry, and is the only negative entry on my report. Although XXXX acknowledges that the original account listed the person receiving the credit as XXXX, they have refused to take any action. The persons I spoke with from XXXX indicated that they were located in XXXX, could have cared less about me submitting a complaint to the federal government of the United States. One call the man identified himself as " XXXX XXXX '' in XXXX, with and XXXX accent. This was false information given in an effort to collect a debt. The debt is in my previous name of XXXX XXXX. My name now after getting married in XX/XX/XXXX is XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Confusing or missing disclosures

Complaint: The issue is happen in XXXX XXXX, 2017. I am a foreign people who are using the Coinbase service to purchase cryptocoins. I can able to purchase and sell coins before XXXX. However, the policy changes on XXXX without any notification. I am required to provide a SSN in order to sell ( or buy ) the coins. Since I am not holding any SSN and coinbase does not inform about the SSN issue, all of my money in coinbase in locked ( around {$3000.00} USD, all of my fund are come from my parent as a gift ). I can not able to withdraw and input any dollar inside, and they are holding all of my coins. If coinbase needs to modify their policy, they should first notice to the customers first or they should n't give a open account to foreign people. I am asking to temporary open buy/sell platform for 7 days in order to sell all of my cryptocoins. Otherwise, coinbase is taking my property using cryptocoins

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have requested numerous times to remove the Bankruptcy record from both my and my wife 's report. It has been more than 7 years, and by their own words, the record may remain on file for 7 or up to 10 years.

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 03/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Have tried to set up payment arrangements within my budget with Navient and they are not willing to work with me and do NOT have any GOOD options that there clients have to choose from unless you do n't have a job, a teacher and or government worker and I am neither.By me not being able to make there payments due to my Budget my credit score has fallen XXXX points.Have tried working with them and giving them all my Bill/Budget information and they still will not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Mortgage (Conventional home mortgage) with TIAA, FSB (NC).
Issue: Trouble during payment process

Complaint: Please see the attached description - Everbank is overcharging me for my monthly escrow account payments.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I went to XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and was unaware of some of the loans that I had until it came up on my credit report. I had a sub par education and never got hired in a decent job in the field of XXXX XXXX. I am not even in the field as I work in the XXXX XXXX field working with kids with XXXX. XXXX XXXX XXXX never explained all these loans and I felt pressured when they would rush me through signing some of the loans. I do not even remember signing for all of the loans. I make close minimum wage and can not afford these loans and the cost of living such as paying rent, electric, gas and other bills I have. XXXX XXXX XXXX XXXX, CA and XXXX XXXX, CA Campuses.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I moved to the USA in XX/XX/XXXX, and subsequently opened a Bank of America credit card account in XX/XX/XXXX in order to start building credit in the USA. In XX/XX/XXXXI made my last use of the credit account but decided to keep it open to help build up my credit. Since XX/XX/XXXX I have not used this line of credit. As I was no longer using this, it took me some time to see that an annual account fee had been applied to my account XX/XX/XXXX. I first noticed it in XX/XX/XXXX ( XX/XX/XXXX or XX/XX/XXXX ) and immediately paid it off. This fee was n't clearly communicated to me at the time of sign up and so this came as a surprise. I was never alerted that there were any late fees. I have attempted to talk with representatives from Bank of America saying that the several {$1.00} fees are misleadingly showing I was delinquent on my credit card. They acknowledge that the annual fee may not have been clearly communicated to me but are being completely unreasonable in removing them due to their miscommunication. These {$1.00} fees are extremely negative on my credit report and are indicative of their poor process rather than my ability to make good on credit. I have zero late payments on any of my credit lines and always pay down my balance in full. I would like these to be removed from my credit history as it is misleading to future creditors.

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 06/14/2015 about Debt collection (I do not know) with Regional Acquisition Group, Inc. (WI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: These people continue to call my sister, parents, grandmother and worst of all, my place of employment. They have called every branch of the company I work for in my town and neighboring towns. They are very rude and aggressive to my coworkers, using profanity and telling them if they do not release information about me then they, too, will be served with papers for " noncompliance ''. They will not tell me who they are or even what company they represent always calling themselves XXXX XXXX or XXXX. They have left voicemail messages telling me they will be sending an officer from XXXX XXXX to my home and if I am not there it will be rerouted to my work. They give XXXX street addresses, so they know where I live and work but refuse to send me anything in writing. I have called them back XXXX and requested information in writing but have not received anything. The XXXX time they told me to stop calling their office and the other time they said " well at least now we know where you work '' and hung up. They XXXX tell whoever answers the phone that they need to talk to my boss, using my full name, and say I must be located due to a serious legal situation, I am being sued, and that anyone who helps or tries to help me avoid being served will also be arrested and prosecuted to the fullest extent of the law. I am very concerned I may lose my job if this continues. The people working for this company just keep calling sometimes up to XXXX times in XXXX day and are telling anyone who will listen that I am a criminal but yet, when I talk to them they wo n't give me any information and use fake names.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: In the month of XXXX I had a death in the family and needed some time off from work so i needed help with my monthly payment on mortgage for the month of XXXX so i called wellsfargo and asked them what i could do so i didnt miss a payment. They suggested a Loan Modification and told me not to worry about making the payment for XXXX that it would be put back into the loan once i was approved i called her several different times and asked her if i should try and make some kind of payment and she told me not to worry about it if i didnt have have the full payment cause it wouldnt apply till i had full payment so i didnt make any kind of payment and then found out that they had denied me for the loan modification and told me i had to come up with both monthly payments. I can not afford to make XXXX payments in 1 month that is why i asked for there help in the first place they refuse to help me and keep charging me late fees every month. I payed the month of XXXX on the! XXXX and instead of them applying it to XXXX they applied it to XXXX and now saying i owe XXXX by XXXX! XXXX i have tried to contact the home preservation manager and left him messages to contact me and i have yet to hear anything back. If they would have never told me not to make that payment i would be up to date on my payments and not getting forecloser letters. It took me 2 years to buy this home only for them to take it away from me. Wellsfargo is doing nothing to help me on any level.

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 02-10-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: APR or interest rate

Complaint: My interest rate sporadically increased from 10.99 % to 11.24 % without any notice from bank of america.

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 11/28/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: After Chapter XXXX bankruptcy discharge, multiple judgments are being reported on my Equifax and XXXX credit reports. XXXX reporting agency removed these items from my report. I have been unable to have XXXX and Equifax remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Altisource Portfolio Solutions, S.à r.l. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Nationwide Credit I reporting to XXXX that I owe {$3000.00} to an apartment community called XXXX. I have contacted Nationwide Credit, requesting a detailed explanation for the debt they are attempting to collect, but they are refusing to supply this information. It is a violation of my rights, under the Fair Debt Collection Practices Act to continue to report this debt to the credit bureaus, if they can not verify details about the balance they are trying to collect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Mortgage (FHA mortgage) with AmeriHome Mortgage Company, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We fell behind in our mortgage because my husband 's work slowed down. I called AmeriHome several times to discuss this with them. We came to an agreement, and we are Making payments. On XXXX XXXX, 2016, we received a certified letter from them! 
We have kept our agreement, and they are suppose to be working with us on this! Now, now they are threatening to us with letters! What are we suppose to do?

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 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 reached out to Equifax on
XX/XX/XXXX and I spoke to a manger and I advised him that the inquiries listed do not belong to me and I have no knowledge of them. Of course he advised me to call each one of them and ask for removal. I did contact each one and was left with nothing, each of them told me they had no knowledge of what I was asking and could not help me nor could they verify that I allowed them to run my credit. I called Equifax back asking them to speak to someone in fraud about this and they transferred me over to be told there is nothing they can do and creditors can run my credit when they chose. I know this is incorrect and they suggested a fraud alert but I am in the market for a home and do not want to do that. I have attached a list of the inquiries that the manager told me to call. Please assist me with removing these.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: We had a mortgage loan with Wells Fargo beginning on XX/XX/XXXX in the amount of {$140000.00}. The loan was assumed on XX/XX/XXXX and Wells Fargo records show that the payoff amount was {$140000.00}. A Qualified Written Request was sent to Wells Fargo on XX/XX/XXXX asking for the amount of the mortgage at the time it was assumed, the name of the company assuming the loan and the amount held in escrow. The name of the company assuming/paying off the loan was not provided in their response of XX/XX/XXXX nor the amount of the mortgage. 

I received a letter from XXXX in XX/XX/XXXX stating that the are now servicing the loan. 
Recently I had my financial advisor, my father look at the transactions and he discovered that XXXX had inflated the loan upon assuming it from the amount due of {$140000.00} to {$140000.00} AN INCREASE OF {$7000.00}. This was hidden from us and attempts to get Wells Fargo to provide information re company assuming the loan and the amount of the mortgage at the time it occurred has fallen on " deaf ears ''.

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 03-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SN SERVICING CORPORATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I, XXXX XXXX XXXX originated my loan last XXXX XXXX, 2003 from XXXX XXXX XXXX with 6 % interest rate at the time of the purchase of my homestead. My loan had been transferred to SN Servicing Corporation. From 6 % SN Servicing Corporation had signed me note with 7.370 % rate. I had undergone medical operation. My health circumstances had affected our finances yet I continue to pay my monthly mortgage & dues of {$2000.00} to the bank faithfully. 

I had requested for the Federal Government 's Home Affordable Modification Program that made available for home owners like me. In order to assist me avoiding the foreclosure. I had already communicated with them and sent all requirements to SN Servicing Corporation yet they did not consider my loan that was originated the Deed Of Trust on XXXX XXXX, 2003. SN Servicing Corporation have not dealt to me in good faith until this moment.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed with the credit bureau regarding an insertion on my credit reports from XXXX XXXX who was collecting from XXXX different collection agencies at the same time while the amount of the debts were in dispute. I sent backup to the credit bureau and instead of investigating and not sending backup, they just left this insertion on my credit report. This was in dispute before it was placed 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 01-12-2016 about Credit reporting () with Experian Information Solutions Inc. (ND).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am still waiting for the documents I requested. 

See attachment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I cancelled my American Express Card ( account XXXX ) but the company refused the credit the annual fee back, hence I could not close the account. Every month, for the last XXXX months, I am charged a late fee of {$35.00}, which has increased the outstanding on the card to {$160.00} ( annual fee plus month charges ). I called up XXXX multiple times, but they have refused to credit back the monthly and annual fees. Since the payment is outstanding for XXXX month, they will be sending it for collection.

Company response to consumer: Closed with monetary relief