milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2016 about Credit card () with WELLS FARGO & COMPANY (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have been review my credit report and came across an account from Wells Fargo that is not mine. I called Wells Fargo and would not provide any information of that account to me. This account is not mine and should be removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA).
Issue: Trouble during payment process

Complaint: My homeowners insurance is paid from escrow. My lender failed to send payment to right address ( no fault of mine ). The payment was sent back. Lender did not notify me or send any letter out. They simply let my insurance cancel. This was not discovered until XXXX 2017 when a trampoline blew into my house and fence. I found out from XXXX XXXX  when I tried to file a claim. I called rushmore ( my lender ). And they admitted their mistake and said they would make me whole. It should be noted at this time there was no forced policy in place by rushmore. My policy rushmore let lapse was only a XXXX deductible. Under my policy my fence would have been covered. Rushmore sent out an appraisal person. Still it should be noted NO FORCED POLICY BY RUSHMORE. Still assured by rushmore I would be made whole according to the policy they did not pay for me. Finally a forced policy was placed and back dated by rushmore. The policy had a ridiculous XXXX deductible. And would not cover my fence which was cover under my policy they failed to pay or follow up on. So after the fact including appraisal. They got themselves out of paying me anything because of the ridiculous policy they made up. This is fraudulent on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Delinquent account

Complaint: XXXX has been calling me over XXXX times every day, they say they are the Reauthorization Dept, I have paid the value pays but they continue to call me. At XXXX point they had turned my account over to collections at XXXX, so I then called them and made a payment to fix this issue. XXXX continues to call. I make payments to my XXXX credit card/Synchrony Bank and make more than the amount due monthly. My credit card is not behind in payments. I am making payments on this credit card, and payments to XXXX XXXX and to XXXX. I am not behind on my bill! I am really tired of XXXX telling me that I am and I want the phone calls to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My escrow was calculated for the new payment. The bank estimated my local taxes at an apporximate 20 % rate hike ( no one can tell me how they came up with that formula ). I spoke with the XXXX in mid XX/XX/XXXX questioning this and alerting them that my taxes will indeed drop from the previious period due to several factors afforded residents in XXXX. I was told to email the final tax bill to them which I did on XX/XX/2016. My tax bill has acually been REDUCED by approximately $ XXXX from the previous year XXXX not the 20 % increase they projected XXXX. To date there is no update on my escrow recalculation or new payment which is due XX/XX/XXXX. I spoke with XXXX yesterday and although they have received all my documentation they have no time frame on when they will adjust my escrow. I left a message with the " supervisor '' and she has negleted to return my call. As it stands right now, beginning XX/XX/XXXX I will be overcharged approx {$300.00} a month with no time frame as to when that will be corrected.

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 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an unauthorized inquiry on my credit report made by XXXX XXXX on XX/XX/2016  that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.

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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
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: This account is a  Private Student Loan account that was originally through Chase. Th e account was opened on or around  XX/XX/2008   . The outstanding balance currently reflected is for {$19000.00}. I hired a consumer attorney to represent me for this account. After certain information that I have provide d, Chase deem ed that I was no longer liable for this account.  XXXX  and  XXXX  have already been updated, they have removed the  Chase Student Loan a ccount from my credit reports, however,  XXXX  has not removed this account. I have disputed this account several times on  XXXX , and each time, they respond with the creditor has validated this debt. I have called Chase several times and talked to several people, including supervisors, and no one knows what to do or whom to talk to, and apparently does not have record of THEIR ACCOUNT. Chase directs me to contact  XXXX   XXXX   XXXX   (  XXXX   ). I have called  XXXX  several times, and have spoken to several people, including supervisors, and they have no record of my account.  XXXX  directs me to contact Chase, as they are the ( only -  XXXX  is NOT ) lenders reporting on my  XXXX  credit report. The numbers that I have tried are  XXXX  (   XXXX   ),  XXXX  ( old  Chase Student Loan  line - which no longer works ),  XXXX  (  XXXX  - this is for Federal Student Loans ). In other words , Chase a nd  XXXX  are pointing their fingers at each other, and I am just the man-in-the-middle ( the one whom is suffering from this dilemma ). This is very frustrating, and it should be something very simple to accomplish. I am no longer liable for this account, whom do I need to talk to?

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Receive daily calls from a company named Portfolio recovery. The first time which was 2 months ago I was met with threats of legal action, but I do n't know what the debt is for and could not receive an answer over the phone. Furthermore, they have called relatives in other states, claiming they have to pay my debt if I do n't pay. Please stop this company from harassing people who are debt free.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, 2017 I contacted XXXX at XXXX. The Internal Recovery Department offered full settlement on both accounts for a total of {$1800.00}. I paid the account in full over the phone by checking debit ACH which succeeded. <P/>{$850.00} 60 % XXXX {$1000.00} 60 % XXXX ___________ {$1800.00} PAID XX/XX/17 XXXX updated the accounts at XXXX, XXXX, and Transunion by showing I made a payments for {$850.00} and {$1000.00} but did NOT show the account as paid in full. I have exhausted the dispute process with all 3 bureaus and XXXX has 'verified ' the accounts as accurate which is incorrect. <P/>I am hoping the CFPB can assist me in correcting the inaccurate and false reporting which violates the FCRA and hurts my score. I settled these accounts with the bank and it is only fair they are accurately reported to the three bureaus. <P/>I have attached a copy of my credit report for the three bureaus as well as the particular accounts for XXXX as samples.

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 02/19/2016 about Credit reporting () with CORELOGIC INC (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had completed return and renew my vehicle in 2013 with XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to XXXX forget to return the XXXX vehicle electronic key to XXXX, so XXXX XXXX XXXX bill me the penalty {$470.00} start from XX/XX/2013! and then I had complain with XXXX and also contact with XXXX financial services so many times for remove the record, but no any action, and then they still transfer the bill to Debt collection company -- --! so please help me to dispute my inaccurate information on my credit report! Thanks!

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 04-10-2018 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (MD).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Opened a new Wells Fargo account for a store specific line of credit to purchase large appliances. First statement arrived on XX/XX/XXXX with a minimum payment of {$61.00} due on XX/XX/XXXX. Made a payment of {$200.00} on the day the statement arrived.

On XX/XX/XXXX we logged in to the website to see if a new statement was available yet, and the website told us that our minimum payment of {$54.00} was past due for XX/XX/XXXX. The {$200.00} had been applied to our account on XX/XX/XXXX, taken off the balance of the account, but had not counted as a payment during the first billing cycle. 

Contacted Customer Support on XX/XX/XXXX and was told that we needed to not pay on the day the statement was available and that we should wait a couple days to make sure out payment is applied correctly. Late fee was waived on the condition that we made an additional {$54.00} payment that day.

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 03-10-2016 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: the ins funds and funds from the trustee are not being posted to my account while i have completed the forms nation star has requested me to complete to have the funds posted. i requested a payoff and the amount i was a fraud amount the pay off is showing XXXX i was told they would not post the funds to my account at all that they would use these funds for other charges .. there are no other charges on this account as the entire amount was in bk XXXX from spring leaf

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CO).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: After 25 years with the credit card I called to cancel the card prior to the renewal date and then stated my reason was the {$95.00} annual fee. I was told while they could not waive the annual fee they could offer to provided a {$95.00} credit against future ( three months ) purchases after the renewal fee was paid and purchases equal to {$95.00} were made. This was because I wa # a good long term customer. 

I agreed and now I am told after multiple inquires about that {$95.00} offer rebate that was expired in XXXX 2017 which is not the time frame I was promised. However, they always offer to investigate. 

A true bait and switch offer against a long time customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX account was removed via succcessful CFPB complaint for non verifiable debt. Debt was added back to my reports as of XXXX/XXXX/2017. Creditor nor CRA sent any notice of readdition of the negative item to my report per FCRA. I still dispute the debt as invalid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2015 about Consumer Loan (Installment loan) with REGIONAL MANAGEMENT CORPORATION (TX).
Issue: Problems when you are unable to pay

Complaint: Regional Finance has been harassing me when I am due for my payments and every month are telling me I am past due. I have been making double payments at times and make attempts to make my monthly payments. They call me multiple times a day, but I am unable to answer or respond because I work long hours that have me on a conference calls or in meetings. By the time I am out of work, they are closed. They have also had a history of disclosing my personal information including delinquency status and loan details to outside parties that are not listed on my loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: My husband forgot to pay XX/XX/XXXXXXXX XXXX Care Credit {$27.00} payment. I did not get an email notifying me, I get a call demanding payment 10 days past the due date and tell them I cant make the missed payment at that moment in time. My husband makes the normal payment on XX/XX/XXXX, but makes it the normal amount {$30.00} ( I didnt know that he did that ) so the XX/XX/XXXXpayment is covered but not XX/XX/XXXXpayment or the late fee.

Again, no email or text notification, just lots of calls from people who are bullies who dont follow the Fair Practices Act and know it.

I begin getting calls from Synchrony and when I answer I am told they are attempting to collect a debt, I tell them we paid, they say it wasnt the full amount so I tell XXXX - he said his name was XXXX we will include the past due of {$30.00} and late fee of {$35.00} onXX/XX/XXXXdue date, that I cant pay it today but it will be before its 30 days past due and Im told they are bank and it doesnt work that way. I tell him hes not working with me, he tells me again they are a bank. I hang up because he wasnt following the Fair Practices Act, being derogatory and mysoginistic in tone at XXXX XXXX on a Saturday. XXXX XXXX Care Credit charges an arm and a leg in interest, and this is the first time Ive ever been late on a payment and they used a bullying misogynistic phone caller who demanded money immediately before the bill is even 30 days past due and refused to hear or accept what i was saying.

If this is what bank deregulation is, I dont want it to ever be deregulated again. I cant snap my fingers and make money appear overnite and they are not working with people who get paid twice monthly nor due they notify by civilized means, aka text or email.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Credit card () with PAYPAL HOLDINGS INC. (IL).
Issue: Billing disputes

Complaint: I have a PayPal Credit account with a payment due date on the XXXX of each month.  A few years back, I called to ask them to move the due date to the last day of each month as that is a payday for me.  I was told not to worry about it, and that as long as my payment was made on the last day of the month, I would not be charged a late fee.  I logged in this morning to find out why my balance hasn't gone down much lately and I find that I've been charged XXXX late fees, totaling $XXXX, in the last 2.5 years.  I called customer service this morning to try to alleviate the problem and was told that they would only waive XXXX fees, unless I could tell them the exact date in which I spoke to the representative who informed me not to worry about the payment due date.  I obviously could not come up with the exact date from a few years ago.  There is no way that I would logically be OK with paying a late fee almost every month and not do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I called FCO and spoke with a XXXX XXXX I asked for something so I can see if this is our debt or not the CSR kept trying to verify over the phone and make me state that it was my debt. I told him that I do not know what this I want something sent but he was n't trying to me anything until I verified if it was mine, hence me needing documents he said they have had it since XXXX/XXXX/2014 I have not received anything to verify or dispute this and we would like this removed from our credit if indeed this is not ours.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I disputed this debt with Enhanced Recovery Company with no resolution. I sent a certified validation letter on XX/XX/ in regards to this collection in the amount of {$76.00} being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. Enhanced Recovery Company received the certified letter on XX/XX/ and has yet to respond to my request. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I started receiving numerous robocalls from  Southwest Credit Systems  several times a day from different numbers, all tracing back to them, about a bill they are trying to collect on. One day I answered and told them to cease and desist after they tried to get me to verify an account. I told them to send me any communication they need to in the mail. They proceeded to report the account on all  3  of my credit bureau reports. I do not owe this compan y ( Southwest Credit Systems ).  I have not signed anything with them. I do not have a contract with THEM. They called multiple times before the cease and desist request, in an attempt to abuse and harass. The called from  XXXX  twice in a row on  X/XX/17   , from  XXXX  twice in a row on  X/XX/17   .  XXXX  2 times in a row at  XXXX  and 2 times in a row at  XXXX  and  XXXX  on  X/XX/17   . From  XXXX  on  XXXX  and  XXXX . They called 6 times from  XXXX  on  XXXX .  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX  and 6 times from same number on  XXXX .  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX ,  XXXX . I know this because I have screenshot all of these calls, all made during a time when I was at work and could not answer the phone. Again, I do not have a written contract with this company and they have not sent me anything showing my signature on anything I owe to THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: Apparently since XXXX, 2012, Wells Fargo was charging {$10.00} for a service I neither used nor authorized. I spoke to Wells Fargo who confirmed this service was never used. They offered to reimburse {$30.00} to resolve this. I did not accept. Other than say to me that I " enrolled in 2012 '', there is no other corroborating information to this effect. I was told the " Direct Pay Monthly Base '' service for which I was charged {$10.00} per month since 2012 was to pay employees. I do not employ employees. The account was set up to receive payments from entities for which I provided services to. They paid me. Not the other way around ...

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 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: NELNET, INC. NEVER NOTIFIED ME, A CO-ASSIGNEE ON MY GRANDSON 'S STUDENT LOAN, OF ANY DELINQUENCIES OR PAYMENTS LATE ... BUT SENT DEROGATORIES TO CREDIT BUREAUSXXXX, XXXX AND XXXX . ACTUALLY, 7 LATENESSES OVER 3 MONTHS ON 3 LOANS. 

AS A RESULT, FICO LOWERED MY SCORE BY 200 POINTS, FROM XXXX " GOOD CREDIT '' DOWN TO XXXX " POOR CREDIT! '' NOT RIGHT, FAIR OR LEGAL TO " REPORT WITHOUT NOTIFICATION! ''

Company response to consumer: Closed with explanation