milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/30/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX and XX/XX/XXXX Wells Fargo drafted unauthorized payments from my checking account, causing me to incurr NSF charges in the amount of {$35.00} for the month of XX/XX/XXXX and {$210.00} in XX/XX/XXXX. XX/XX/XXXX payment in the amount of {$2500.00} and XX/XX/XXXX {$11000.00}. I had told that the payment would be refunded within 24 hours on XX/XX/XXXX. This has yet to hhappen, Supervisors XXXX XXXX XXXX and XXXX XXXX XXXX had both listen to the recording that I had not authorized and requested my acount number to deposit or reverse the fee 's. On XX/XX/XXXX XXXX XXXX @ XXXX indicated that he was not refunding the money and conneccted me with the office of the president. During a recorded conversation, i was told that I would recieve a call back in 72 hours. Its been weeks and no call. Now im not recieving call for my mortgage payment, 'm being charged a {$12.00} fee to make a payment over the phone. Ive inclured {$180.00} return check fee on both loans. I'vee aso been told that if I have another returrn check on my mortgage I will no longer be able to make a payment over the phone. Clearly retiliation and Extortion. Also to review my payments are now fulluy amortized and i should be at the 18th year but they have me paying them off in 23 years on both loans. My previouse loan had more of my!! XXXX payment going to principal than with the new loan. It doesnt add up to the thruth and lending although my moortgage balanced increase.

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 07/31/2016 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: TRIED MANY ATTEMPTS TO DELETE FRPM MY XXXX CREDIT FILE THIS IS NOT MINE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I called on XX/XX/2017. Showing {$0.00} balance on credit report. Item was supposed to be deleted off my credit report. I called and spoke with Transworld Systems - they do not show any balance with them, but they are not able to provide any deletion per the supervisor I spoke with. They told me I needed to go through each credit Bureau. This is effecting my ability to get a mortgage refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Credit reporting () with ENCORE CAPITAL GROUP INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I switched cell phone companies when my contract was finished. My balance was paid in full. XXXX kept billing me and added additional charges for switching companies yet I had no contract with them. I would like this removed from my credit report.I asked for copies of phone usage for the billing dates and they can not provide any.I do not owe XXXX any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2015 about Debt collection (Federal student loan) with Account Control Technology, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hi my name is XXXX XXXX and I 've been on the XXXX XXXX since XXXX XXXX, 2015. This company Account Control Technology Inc has been giving me a hard time after I contacted them when the IRS send me a letter stating that they took my income tax. That 's when I called them to ask why did n't they notified me if they we 're collecting for my account No : XXXX XXXX XXXX XXXX, XXXX, Ca XXXXXXXXIs the agency attempting to collect the debt. 
I paid my default XXXX XXXX XXXX. Loan to be Tooken off default but they seem to be giving me the run around. That would mean their lying about if I made my payments on time they would take me off default so offset could be Tooken off so I could receive my taxes this coming year. 
This was a hardship because I 've been left without a car for eight months. 
Since XXXX XXXX XXXX XXXX did my taxes and now this agency put me indeed even more I owe XXXX COLSE TO {$600.00} AND they been calling tocollect this agency took XXXX with XXXX and XXXX XXXX XXXX XXXX charge for filling is missing. 
XXXX and XXXX = {$3200.00} so where is the rest of my money. I need help please. Thank u and XXXX bless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am writing because i received a letter from the united states office of personnel management.XXXX. That state 's that they recently became aware of cybersecurity incident affecting it 's systems that Compromised my personal information, Name, Social Security Place of Birth and or current or former Address.That leave me to Think that monies in my account are being taken.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed the payment history with the letter dated XXXX. I have not heard anything until when I pulled my credit yesterday with XXXX XXXX, Equifax is showing that my balances are over utilized and that I was 60 days late with the XXXX credit card. This is defaming my name. I am now applying for an apartment and these inaccuracies are resulting in the inability to get an apartment. I expect immediate correction of the payment history of XXXX XXXX Credit card. Also, the balances are incorrect. It should read {$0.00} balance for XXXX CC an {$0.00} for the XXXX XXXX. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Debt collection (Auto) with Financial Credit Service, Inc. (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: ARA has called our home repeatedly even after we requested that they stop calling and threatened legal action on an auto loan that my husband had in the XXXX. They also knew the companies that we have credits cards with and the balances and limits on the cards. They said that they were going to charge the amount that they say we to our credit card. They were insulting saying that if were we responsible adults we would pay what we owe.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Navient came to me.and said they could offer me a student loan consolidation plan for XXXX dollars a month in perpetuity which I thought was absurd but after being assured my payment would never go up I agreed. Unfortunately for me this was not true and the company began expecting an exorbitant payment after one year. I told them this was a bait and switch scam. They said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I filed a complaint last month about a debt reporting from this company that is not mine on XXXX. They agreed to remove it. That has been done but now they have added this false debt that is not mine to XXXX!!! I need this deleted immediately as I am trying to buy a house

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 04/24/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (UT).
Issue: Loan modification,collection,foreclosure

Complaint: Chase Mortgage sent notice of my case specialist, who I attempted to send verification of employment and loss of income.. The case specialist would constantly lose the information I had sent in stating they never received the documents which would include pay stubs, employment information and so forth. I left multiple messages for the case specialist with no returned phone calls. 
I would like my mortgage to be reconsidered for loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: XXXX 2013 Nelnet took over my student loan. They split it into XXXX different loans with the same account number to charge interest rates twice. After 7 months they raised the current payment amounts by 225 % with no notification. A couple of months after that they raised the current payment again. They put me in a forebearance that I did n't ask for. They reported inaccurately to the credit bureaus and had my student loans reported XXXX times. They also re-aged this account which is illegal. When asked for validation of the debt I was given a computer printout with in accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (Other debt) with Solomon and Solomon, P.C. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/XXXX I contacted Soloman and Soloman P.C in regards to a debt owed to XXXX in the amount of {$360.00}. I stated that I disagreed with the amount owed and offered a settlement amount. I was told this process could take up to 3 business days for a response. I checked back on XX/XX/XXXX and no response was received. I checked again onXX/XX/XXXX and was told no response was received and that the request would be resent to XXXX. On XX/XX/XXXX I followed up on the 2nd request and was told I would have an answer back by XX/XX/XXXX. I spoke to the collection agency on XX/XX/XXXX and was told that the request would have to be resubmitted a 3rd time and now it could take up to three weeks for a response back from XXXX. I believe that the collection agency/creditor are dilibertly delaying the process in the hopes I will become frustrated and run out of time, and will pay the amount they are requesting rather than the amount I offered in settlement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Other debt) with Unlimited Progress Corp (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Says I opened an account in 2015 and owe {$150.00}. You 're company is not licensed to collect or communicate about a debt in the State of Indiana. I want this removed from all of 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 08/25/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo ( WF ) /Americas Servicing Company ( Loan # XXXX ) - Delay tactics in attempting to get to a loan modification ; The WF specialist assigned to my file does not ever pick up phone or respond to voicemails ; Many other WF specialists assigned and reassigned in the prior years, I was always asked for new information once a new specialist is assigned ( another delay ). Only XXXX opportunity for a loan modification granted by WF two years ago and rejected for reasons set out by the " investor '' WF would not communicate the reasons for rejection. I have been employed and earning more than enough to pay off the loan via a modification. Faxes I sent are not on file, notes from my conversations with representatives and with the Office of the President are not on file, and they are asking for documents I already sent on numerous occasions ( i.e. hardship letter ) I 'm skeptical about WF record retention systems for email communication and faxes they received from me and others. When it was time to resolve WF 's request for a subordination from the XXXX lender on the loan ( yet another delay tactic ), WF 's title department would not communicate with a second lien holder ( XXXX XXXX ) because they just will not do that. I waited for months! and even after I submitted a written authorization to do so on my behalf, WF did nothing to assist with my attempts to modify the loan. I 'm exhausted from years of frustration in struggling to just get an opportunity to modify my mortgage and an opportunity to pay off my loan. WF representatives say they are there to " help me '' but they are just a facade and keep delaying the process and clearly their management hopes time runs out. WF asks for more " updated '' information every month. They are clearly interested in keeping my loan in foreclosure status and they are hoping that I just go away and stop my communication with them so they can foreclose on the home as allowed under the rules ( unacceptable ). I missed my mortgage payments 5 years ago and I 'm still trying to get an opportunity to get a modification. I 'm exhausted and emotionally drained from this struggle to get an opportunity to pay off my loan and keep my home. I have nowhere else to turn for help, hopefully CFPB can help. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Hi I tried to contact Equifax, XXXX and XXXX. I noticed I have a lot of Hard inquire who DO NOT HAVE written or verbal permission I demanded they remove it and I 've tried three times all they keep forcing me to do is contact the companies and then the companies require I call the credit bureaus. I need them to REMOVE ALL HARD inquires I also spoke to someone they said they 'll remove it all for me but they failed to do this

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX in the circuit court of the XXXX XXXX XXXX in and for XXXX XXXX, Florida Civil Division Div. XXXX Case No : XXXX I XXXX XXXX the defendant received a Notice of Voluntary Dismissal and Release of Lis Pendents from XXXX Mortgage Services. During the trial, a representative of Caliber Home Loans testified and the Court entered a judgement without prejudice against them. Since that time, Caliber Home Loans XXXX XXXX, Ok XXXX has continued to report negative reports XXXX. In addition they continue to harass me and lie on me. As recently as XX/XX/XXXX XXXX, Foreclosure Specialist contacted my Attorney XXXX XXXX XXXX. inquiring whether or not he still represents me and said " that I expressed to them that I would voluntarily surrender the house via signed documentation. '' Why would I voluntarily surrender my home. That is a lie from the pit of hell and I wish your organization would look into their unscrupulous business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have 2 inquires that I did not authorized nor do I have any accounts with these companies. Please remove from my credit report. I have contacted those companies and they have verfied I do not have any accounts opened. 

XXXX XXXX XXXX IN XX/XX/ XXXX XXXX XX/XX/ XX/XX/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 explanation
Consumer complaint received 10/24/2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: with the EVIDENCE by the XXXX-COMPLAINT- CLAIMANTS'-EVIDENCE with the DOCUMENT-CONTRACT-FEDERAL-POSTAL-STATION-COURT-VENUE'S-PARSE-SYNTAX-GRAMMAR-CERTIFICATION-CORRECTIONS of the FEDERAL-FALSE CLAIMS-ACT, FRAUD & : MISLEADING-STATEMENTS : TITLE- .... XXXX : XXXX ... XXXX & : TITLE -- XXXX : XXXX -- XXXX FRAUDULENT-LANGUAGE with the FEDERAL-SECURITIES LAWS, RULES, REGULATION, CODES, BOXING, CERTIFICATE-ITALIZING-WORDING=VOID-OMIT '', ADVERB-VERB-SYNTAX, NO-CONTRACT-PARSE-WORDING by the SECURITY-ISSUER with the FRAUDULENT-BACKED-NO-AUTOGRAPH-CONTRACT-BACKED-SECURITY-PARSE-SYNTAX-GRAMMAR. FOR THE FRAUD-PARSE-SYNTAX-GRAMMAR-CONTINUANCE-SINCE-DATE- .... XXXX ARE WITH THE PEOPLES ' -DAMAGE-CLAIM AS THE S. E. C. -EMPLOYEES USE OF A " 2ND-GRADE-WRITING-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 01/28/2016 about Debt collection (Credit card) with The Bureaus, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The Bureaus is a debt buyer/collector who purchased a XXXX account ; I settled this debt in XXXX XXXX with The Bureaus ( see attached settlement letter and proof of payment ) but The Bureaus continued reporting the account to the credit reporting agencies with a balance. I disputed the account per the FCRA both with the credit reporting agencies and The Bureaus directly and the account was removed. However, I now find that the account is, again, reporting to the XXXX credit reporting agency with a balance of {$410.00}. Since XXXX originally removed the account from my report, The Bureaus obviously re-reported the account in error. Per FTC Staff Opinion letter, dated XXXX/XXXX/XXXX, the reporting of a charged-off debt to a consumer reporting agency is a collection activity, therefore this erroneous reporting by The Bureaus is a violation of both the FCRA and the FDCPA as well as a violation of the FCBA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with Accounts Receivable Consultants Inc. (TX).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: I have paid agreed the credit collection agency has not lived up to the promised by  XXXX   XXXX  of removing it from my credit report they said they would notify the credit bureaus  XXXX    XXXX   and  XXXX  to have it removed from my credit report they have not done so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My card was lost and used in XXXX at an ATM. I reported the card lost the next day when I realized it. I have had trouble getting help with this issue, mostly because their fraud operations are offshore and poorly trained. 

I now see that they have reversed the temporary credit stating that the funds were dispersed at the ATM. I NEVER received them ... whomever found my card must have been observing me unlock my cell phone and figured out my PIN # .. 

Please have someone that has authority and common sense help me with this issue. 

XXXX fraud dept STOPPED any charges from going through, a shame Citi is n't as  proactive.

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 10/17/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Other

Complaint: I applied for a Lowes credit card. I was enticed by the 5 % discount at each purchase made with the card. I pay all my cc balances monthly so as not to incur interest charges. Lowes ( Synchronicity Bank ) cc charges 24.99 % per annum on unpaid balances. I established a " paperless '' account giving Lowes my credit information including my birthdate, ssn, address, telephone number and annual income. I also connected the card number to my banking information. I made no charges until a recent large purchase, I paid the entire balance at the store because I had n't received a statement. The following month, XX/XX/XXXX, I did n't receive a statement. When I called Synchronicity Bank, they said that there was no email address on the account as the reason they did n't send a statement to me. When I asked why they did n't mail a statement, they indicated that my account was " paperless ''. They had my address, my phone number, and all other pertinent information but they did n't have my email address. They indicated that it was not their policy to determine the email address once they discovered it was missing or inoperative. It is my logically concluded opinion that Synchronicity Bank is using deceptive practices to cause their customers to skip payments wherein they are then contractually allowed to charge 24,99 % annual interest plus late payment charges.

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