milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (NC).
Issue: Taking out the loan or lease

Complaint: Consistent marketing and emails from Wells Fargo Bank regarding loans to help with home repairs were marketed falsely not as installment loans. When talking to loan officers and asking about loan repayment the fixed amounts were never discussed. Assertions that loan was more like a HELOC that would establish a line of credit and would be paid back over several years were stated. 
Did not realize high monthly amount until loan was given. Therefore am going to turn all money back in due to misrepresentation. Wells Fargo bank should be investigated for this practice.

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 09/13/2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Freedom Mortgage has not given the title company my loan payoff amount so I can close on the home and payoff my home, which is in foreclosure. I am a XXXX and currently have a VA loan through Freedom Mortgage. XXXX XXXX has been calling/faxing Freedom Mortgage for an updated payoff amount since XXXX XXXX. It is not XXXX XXXX and the loan documents for the buyer are going to expire and each time I call Freedom Mortgage tells me they did n't receive the demand letter/they can not give us the demand letter or excuse after excuse. I am in danger of losing all my equity in my home and having a foreclosed home because Freedom Mortgage refuses to give XXXX XXXX the payoff amount. Freedom Mortgage has denied me a supervisor and they will not provide any other way to obtain this payoff.

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 05/14/2016 about Debt collection (Credit card) with Blitt and Gaines, P.C. (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I failed to appear in court for a credit card debt in 2009 and there is now a judgement against me. I was unemployed for 5 years and was unable to pay the debt. There is now a lein on my bank accounts and i can not access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: IC systems was wriiten on XXXX XXXX, 2016 and legal demand for validation of the alleged debt was made. They have ignored this request.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In XXXX, Equifax learned that a very large number of accounts were compromised. Only on XXXX XXXX, after the hackers had over 2 months to process all this information ( including mine ) they finally told the public about it. 

Not only have they failed to protect my information and ended up divulging it without my consent, but they have also failed to notify me on time. A 2 month delay is unacceptable given the sensitivity and the breadth of personal information that was leaked.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: In XXXX XXXX, I reported to XXXX XXXX, and Transunion, that information on my credit report is incorrect. Date of first delinquency being reported by XXXX XXXX XXXX ( XXXX ) is incorrect. They were even falsely reporting payments that were never made. This was a loan obtained in XXXX which is now a XXXX year old account still being reflected on my credit report. It is being reported that last activity was XXXX when in fact no activity has been made 5 years beyond that.

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 04-06-2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: To Whom It May Concern : I applied for a " Bluebird '' Walmart Credit card because the XXXX website offered more points on their Savings Catcher program if you converted the points onto this card. A couple of months ago, I was having some Fraud issues with my checking account, making it difficult to keep up with the payments on this Credit card. They allowed me to charge over my credit Limit. I called the bank for this Credit Card, Synchrony Bank on XXXX/XXXX/2016. I told them I would pay {$130.00} on XXXX/XXXX/2016. They told me that this payment would bring my account into a " Good Standing '' status ; however, the XXXX, 2016 statement shows ONLY a {$60.00} payment on XXXX/XXXX/16, 2 days AFTER I had made the payment on XXXX/XXXX/16 of {$130.00}! When I called Walmart Credit card Dept XXXX on XXXX XXXX/XXXX/16, I was told that the account was CLOSED due to having been over the credit limit AND past due (? ) My payment of {$130.00} brought the Balance back BELOW the Credit limit, and, per Synchrony Bank would bring me OUT of a Past Due status. 
Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/31/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (TX).
Issue: Trouble during payment process

Complaint: This is the 3rd CFPB complaint concerning Wells Fargo Mortgage.

They are denying that monthly payments have been made, for four months or longer each time, This began back in XX/XX/XXXX, and is still continuing. 
They are reporting to credit agencies that I am not making payments, which is impacting my credit score.  They have declined in past complaints to add an addendum to the agencies saying that the payments were made on time. 
My latest WF bill indicates that XX/XX/XXXX, XX/XX/XXXX ( XX/XX/XXXX ), and XX/XX/XXXX payments have not been made. 
I pay by check at a local branch each month, and each check has cleared quickly. 
I am attaching copies of the checks and the receipts from the tellers. 

Because WF continues this practice, I will be making quarterly complaints to CFPB about payments not credited within a month 's time.

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 10/23/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing statement

Complaint: Made a payment of {$13.00} to the Citi Bank Card on XXXX/XXXX/16 ( Have a monthly {$13.00} payment due every month from a recurring charge ) XXXX XXXX/XXXX/16 got a late payment fee of {$13.00} and a {$0.00} finance charge fee for a late payment. I never got the statement and put my account as a late payment. They would n't credit my account because they said that they credit my account last XXXX. Please investigate how often the statements get lost in the mail. I never got the statement. I pay my balance in full very single month. Why would I have a {$13.00} late fee on a {$13.00} charge? Also, wanted to make a payment of {$50.00} to them. so, I will not need to think about making the {$13.00} payment and just pay 3 months in advance. And they cant take payment higher than 7 %. I never got the statement.

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 06-10-2015 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Other fee

Complaint: I was traveling in XXXX in XXXX 2015, where I decided to make some purchases. Prior to making the purchase I wanted to verify that my Chase credit card would not have any foreign transaction fee so I contact their customer service department to verify the information.. The customer service representative at Chase informed me that there will be no foreign transaction fee since I informed her that XXXX XXXX dollar is pegged to XXXX XXXX dollar ( meaning dollar for dollar ). The Chase service representative did not give a clear concise correct information when inquired about the fee. Based upon the now erroneous answer from the Chase customer service representative, I made the purchase using the Chase credit card. Imagine my surprise when I received the statement following month when there is over {$880.00} in foreign transaction fee from Chase credit card. I have requested from Chase to review the telephone transcript from XXXX XXXX, 2015 and credit my account for the errors attributed by their employee, but Chase has refused to do so. I have also requested copies of the transcript of the phone conversation I had with the Chase customer service representative on XXXX XXXX, 2015 but Chase also refused that request. I feel that Chase credit card is at fault for relaying the wrong and confusing statement and now they wo n't even release the transcript of the phone conversation because the truth will expose their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Consumer Loan (Vehicle lease) with U.S. BANCORP (PA).
Issue: Managing the loan or lease

Complaint: I received a red light camera ticket on XX/XX/2016 and the ticket was sent to US Bank leasing company -- it was stamped by their tax servicing department on XX/XX/2016. At that time, I was unaware the ticket was ever issued. US Bank sat on that ticket until they received a 'Second Notice ' ticket and was stamped by their tax servicing department on XX/XX/2016. Still unaware that I ever received a ticket, I received both the 1st and 2nd notice, along with a letter from US Bank on XX/XX/2016. The payment was due on XX/XX/2016 - Thus a late fee of {$20.00} was already charged. I disputed the late payment with the City and advised US Bank NOT to pay the ticket. They told me they would n't. Well, turns out they paid the ticket, including the late fee. They then charged me the ticket amount, plus the late fee, plus a {$25.00} fee for processing. I told them that it was unfair that I should n't be responsible for anything but the ticket amount and they refuse to work with me. Bottom line is US Bank neglected to alert me of the receipt of the ticket until it was already too late to pay without incurring a late fee. When instructed not to pay it ( while i disputed the late fee ) - they paid it anyway, and then relished in the opportunity to charge me an additional {$45.00}. Please rectify. Thank You!

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: When recently discovering that my personal information was compromised during the XXXX hack, I was trying to freeze my credit score to prevent any attacks on my personal credit rating. XXXX has offered a fee waiver on freezing my account as of this time, but other unions such as Trans Union are charging to put this freeze into place. And I assume all three companies are going to charge anytime I will need to unfreeze to apply for any type of loan or credit. I find this unacceptable that these institutions are profiting off if consumers trying to protect the only thing that will let them buy a home, or a car, or even get a student loan. Currently, trans Union is even hiding credit freeze information on their website in favor of advertising their own for profit credit monitoring services. So not only are hackers benefiting from getting my personal info, but the people in charge of it, whose negligence put me and millions of other US citizens at risk are profiting.

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 04-10-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/2013 30 days past due as of XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit card protection / Debt protection

Complaint: I have been paying for an insurance policy with Bank of America credit card in case I was hospitalized or lost my job the amount owed would be dismissed. I lost me job and unemployment was not enough to pay all of my bills including rent. I filled out all of the necessary paper work and submitted them. The policy was not honored at all. I have received threatening calls and they have called everyone that I know, church, friends, neighbors and relatives harassing them as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Strategic Alliances, Inc. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: First Financial in vestment fund is reporting a debt on my credit report per my lender who is refinancing my home. It 's actually preventing me from refinancing because it 's bringing down my score. I have called and they claim to not have my name on file, however they are n't helping me get the collection off my credit. I spoke to them las t Tuesday the  XX/XX/17  a nd they said my name is n't on file with them. I called them last month as well and then disputed with  XXXX . They answered the dispute and said I owe the money, but they wo n't allow me to pay the account. I do n't believe I owe this money and it 's frustrating that I call and they do n't have my information. My lender even contacted them with my permission and they could n't verify my information. They even had me send a letter authorizing my lender to verify the debt. Then they had my lender send a fax asking for more information and they have n't replied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I am the beneficiary of my deceased brother 's ROTH IRA at Bank of America, which consists of XXXX CD 's. I worked with an individual on the phone in the IRA department XX/XX/XXXX, to set up the distribution of funds to coincide with the CD maturity dates in XX/XX/XXXX, which were all within the 5 year period required by the Federal govt. However, after the first anniversary of the beneficiary IRA account, B of A sent a check for about XXXX of the IRA. After I called to complain on XX/XX/XXXX, they stopped payment on that large check and said they must do a minimum distribution. So they sent a check for {$1900.00}. I talked to a supervisor, XXXX XXXX on XX/XX/XXXX and he said it is the bank 's policy to to make a minimum distribution. However, this minimum distribution was not stated on the form I was asked to fill out when setting up the distribution, nor did the man who helped me set up the distribution mention anything about this. I have asked supervisor XXXX XXXX to send me consumer information detailing this policy of minimum distribution. He said he would look and see if anything was available. In the time between now and XX/XX/XXXX, I will lose over {$700.00} in interest due to the early distribution of funds, since there are no CD 's currently available that will pay the interest I am currently receiving in the IRA CD 's. The Federal government says that I can leave the money in the account as long as it is all withdrawn within 5 years. This interpretation of Federal law was confirmed by XXXX XXXX ( XX/XX/XXXX ) and also XXXX XXXX ( XX/XX/XXXX ), 2 Bank of America IRA help desk employees. Yet Bank of America policy is above the law and requires a minimal distribution, without prior notification to the customer. This is wrong. They appear to be trying to get out from paying the better interest rate.

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 04-06-2015 about Debt collection (I do not know) with R.M. Galicia, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Unable to get a hold of business ( Progressive Management Systems ) who has reported information to XXXX about a medical debt that does not belong to me. I have contacted ( XXXX ) to clarify accuracy of debt, I was told they have No record of me at XXXX they told me to contact collection agency but I am unable to contact the company as every listed number is not active. I have filed a dispute through XXXX but company reports this is my account. how is that when I do n't live in same state or have ever in my life been to a XXXX hospital or group as XXXX has told me XXXX has No record of me. What do I do?

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 01-03-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with my lender Wells Fargo in regards to loss mitigation options. I have sent in all information and documents they have requested and was just informed last week on XX/XX/2016 that they are requesting a occupancy bill for my renter. I did send it to the lender and they are unable to tell me if they will be postponing the sale or not and not giving me time to consider other options. I am now afraid my house will sell because I can not leave my job to go file a bankruptcy with the sale being tomorrow morning.

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 03/30/2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (KY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have request validation of this alleged debt, account number XXXX, from Receivables Performance Management numerous of times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX I sent a demanding letter certified mail requesting once again, validation and proof of claim. Each time I have disputed this alleged debt Receivables Performance Management updated and verify the account with all three credit bureau, but as YET to send me anything validating this collection account that they are reporting I paid! I uploaded one of the letters that I sent certified, requesting Full validation.

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 10/23/2015 about Credit card () with Synovus Bank (LA).
Issue: Other

Complaint: my credit was used due to fraud they report I went over my balance to the credit bureau. they closed the fraud card but opened a new account its now showing XXXX cards on my credit report because I was late XX/XX/2014 it showing as XXXX cards late instead of just XXXX card late because its the same account. I need they to report correctly to the credit I was NOT over the limit now was I late on XXXX accounts. they did reserve the charges but but are not correcting my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: -Monday XXXX XXXX - Pre-printed sheet of paper was taped to my door ; no name no signature, printed text said to " contact your mortgage servicer '' and a hand written toll free number. 
Spoke to Bayview, to asset manager XXXX XXXX. 
XXXX XXXX explained t

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Medical debt) with ATG Credit, LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had a medical procedure and spoke with my Doctor 's office about payment. I had to have routine quarterly follow-up visits and the fees were submitted to my health insurance provider, then an invoice was generated and sent to my home for my payment of the balance due. Our agreement was always made with my Doctor, but I was told to make payment to  XXXX    XXXX    XXXX   XXXX . At one point in we received a bill from  XXXX   XXXX  and we were told that was our bill to pay and it was related. Every invoice we received was paid in full and on time. There was one payment that was made a few days late, but only a few days late and we believe that may have been due to the confusion with their billing. We have always taken pride in paying any bills due and we do not feel this medical collection fee is our responsibility and to have this blemish on our credit report is not fair or just. The collection that contacted us with no valid basis used strong-arm tactics and extremely rude individuals in a seemingly endless harassing manner.

Company response to consumer: Closed with explanation