milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/26/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: ( WELLS FARGO BANK , NATIONAL ASSOCIATION ) is the bank that holds my mortgage, they are consistently mismanaging my escrow account. Almost every year since they brought out my mortgage from another company at the end of each year I 've had the payable payments of more than {$2500.00} sometimes a little less for their claims of my escrow always constantly being short. Even as my land taxes went down three years in a row, my escrow for some reason was always short. When he forced me to pay the extra balloon payments at the end of each year, they tell me that this little payment make my escrow have an overage. So XX/XX/XXXX if I paid {$2500.00} plus my motley mortgage fee of {$1400.00}, does n't this mean that I now have a surplus of escrow. Now with that being said consider the fact that my land taxes decreased, my home owners insurance decreased from XX/XX/XXXX to XX/XX/XXXX ; why am I still left with a escrow shortage. I believe his bank is consistently committing theft by deception, and I will be immediately looking to my local law enforcement agency to file those criminal charges against Wells Fargo.

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 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Trying to remove all comment on credit reports/from credit reporting agencies showing items in dispute. 
1. Please remove all dispute comments on all accounts! 
2. Please remove all late fees and show XXXX balance due XXXX student loan XXXX and student loan XXXX. 
3. Please close XXXX XXXX account and remove all dispute comments! Show XXXX balance due!

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I 'm currently homeless and I applied for a home on XXXX, CA. I was denied renting the home because there is an eviction showing on my tenant screening report. I 've reached out to the reporting company ( XXXX ) and advised them that case # XXXX was included in a chapter XXXX bankruptcy and was discharged on XXXX XXXX. The reporting company updated the tenant screening report to show as discharged. According to Experian credit report : " Your Experian credit report does not indicate that you have been evicted from your residence. However, your credit report could include a collection account for unpaid rent or lease payments, and as in your situation, a civil judgment if you were sued for breaking the lease. 
The court judgment will appear as a public record in your credit report and will remain for seven years from the filing date. Any public record item in a credit report would likely be considered very negative and could affect your ability to qualify for a new rental agreement. 
If included in bankruptcy, the judgment will be removed when the bankruptcy is discharged. You may want to submit documentation of the bankruptcy filing, discharge, and schedule of debts showing the judgment was included. A Chapter XXXX bankruptcy will continue to be reported for 10 years from the filing date, regardless of the discharge date. 
Any collection accounts discharged through bankruptcy are updated to show that they were included in the bankruptcy, but will still show the account history for seven years. 
Thanks for asking. '' The " Ask Experian '' team XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: National credit systems, i have never receive info of the debt send out letters and never got an answer, i live in tx and this company is ingeorgia? Is this legal?, try to make contact and never got an answer from them, only threats.. they said i owe money to some apartments but there is no record of this, no apartment lease renewal, or anything, i was allready living somewhere else. This is ruinning my credit they charging me {$3100.00} and never receive a proper info on this.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Debt collection (Other debt) with Monterey Financial Services LLC (MI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: We were sold a timeshare by XXXX XXXX XXXX in XXXX in XX/XX/XXXX. We paid a 10 % deposit and made 6 months ' worth of payments. We tried to make reservations but there was never any availability. We tried to contact the sales department via email and phone, but they never responded. Because of their lack of response and no availability we discontinued our payments. Our account was canceled and closed by XXXX XXXX on XX/XX/XXXX. Two months later XXXX XXXX XXXX began calling us and trying to collect {$14000.00} on behalf of XXXX XXXX. The caller was very aggressive and threatening in her language. We had never stayed at the property since our initial visit in XX/XX/XXXX. We were not able to reserve any dates at the property. This timeshare company is a scam. We should not have to pay for something we never used and could not use. XXXX XXXX XXXX should not be calling us to collect for a canceled and closed account that was never used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I understand that there is a class action lawsuit against Navient, formerly known as XXXX XXXX. I do not understand what I should do at this point. Is there anything that I need to be doing due to this?

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Other financial service (Credit repair) with IT'S TIME - CREDIT REPAIR LLC (TX).
Issue: Fraud or scam

Complaint: By means of this complain, my wife, XXXX XXXX XXXX and me, XXXX XXXX are having an issue with a credit repair company : It 's Time - Credit Repair ; which is located on : XXXX XXXX XXXX. # XXXX XXXX XXXX, TX, XXXX. XXXX : XXXX XXXX XXXX XXXX. We are submitting this complain against this credit repair company because it charged a series of illegal advance fees as well as misrepresented the cost and effectiveness of its services. We are seeking to halt the company 's harmful conduct and to obtain relief for us, including refunds of fees paid to the defendant. Our complaint seeks also our monetary relief, injunctive relief, and penalties. 
It 's Time - Credit Repair lured us with misleading, unsubstantiated claims that it could remove virtually any negative information from our credit reports and could boost credit scores by significant amounts. The company attracted us through its website and sales advertises. He promised us to obtain a mortgage and a loan for new house. The company lacked a reasonable basis for making these claims because it causes negative scores in our credit scores. 
It 's Time - Credit Repair ; charged a variety of fees for its services before demonstrating that the promised results had been achieved as required by law. Specifically, the company initial fees that it at times claimed were required to obtain special credit reports for us. The company also charged set-up fees totaling hundreds of dollars and monthly fees that often equaled {$240.00} per month. 
It 's Time- Credit Repair incurred on deceptive acts and practices in the marketing and promotion of its services. He promised us to erase several debts because there is a law who helps people with XXXX. Consequently, it lured us to get its services but it was a fraud because it was not true. Also, it promises us to improve our credit scores by challenging items on our credit reports, regardless of whether the information is accurate. 

Sincerely Yours, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX. E-mail : XXXXXXXXXXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Making/receiving payments, sending money

Complaint: I sent money through XXXX App for my bills which was {$450.00} and {$60.00} to one person & {$310.00} & XXXX $ to another person. Chase Reversed the money from their accounts by filing a dispute that I never approved. They took the funds out of my account twice and they wo n't return the funds to the appropriate people or to me. I need them to give them their money back and return the money that they owe to my account. I never approved those disputes. I only dispute an XXXX charge.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit card () with U.S. BANCORP (DC).
Issue: Billing disputes

Complaint: A charge of XXXX was placed against my card for XXXX XXXX dress. I had to guy a gift card given the value of the dress exceed XXXX However the item was damaged and returned to XXXX XXXX. The company said it would go back on my Visa ( the XXXX ) and it didnt. 
I tried to file a dispute with US Bank over this with documentation, but they ignored it as they couldnt be bothered with my dispute. Bottom line is they know the item was returned and that I am owed XXXX. They just fdont work for the best interests of their customers. 
I want my XXXX back now.

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 11/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My wallet was stolen in late XXXX -XX/XX/2014 and a collection bill for XXXX , an auto loan from XXXX, and a XXXX Time Share installment loan are now showing to be in collections on my credit report and I have disputed this directly with the credit bureaus but I have had no success in having these items removed from my report. I am requesting that a further investigation into these claims against me be looked into again by the Consumer Financial Protection Bureau to protect my rights as a borrower and to exercise my rights under the Fair Credit Reporting Act.

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 12/23/2015 about Debt collection (I do not know) with National Principal Group, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I live in XXXX, my parents live in Florida. A week ago, my parents received a threatening call ( automated ) from # XXXX ( NP Group ) for me. I called the number and spoke to a woman. She claims I owe {$300.00} for a pay day loan taken out in 2010. The information she provided did n't add up. I looked up the number and see a lot of activity coming from this company the last few weeks. They are trying to scam lots of people. Here is the info on the company. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, # XXXX XXXX, NY XXXX Registered Agent : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. 
Phones : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Deposits and withdrawals

Complaint: Hi, I am writing this regarding issue that I encountered with my Checking Chase Bank. My wife received a check from person who hired her for a job. As per her job she needs to credit the check and once the check is cleared she needs to buy stuff for XXXX XXXX and donate it to them. My wife deposited the check in XXXX/XXXX/2016 and the check got CLEARED per bank records as of XXXX/XXXX/2016 and the total money available included the money from Check. Once the check was cleared money has been drawn as part of the job work and stuff was sent to the account provided by the employer. Now the check that was cleared on XXXX/XXXX/2016 has been reverted on XXXX/XXXX/2016 by Chase Bank without giving me intimation as to what happened. I got an alert message with negative balance and when check with bank why was the money which was cleared reverted they said that there was an issue with the check that was deposited and money was sent back to source bank. As a result of this my account went in to negative and my own bills are about to get bounced. When I check with the back as to why the money was reverted after the check has been cleared they kept saying that they have the right to do without our consent up to 1 year. When I asked for the policy they asked me to read the disclosure when I ask to send the same in a mail they refuse to do so. When I called the customer care and spoke all the above the call has been transferred from customer care to supervisor then to manager and they all say that even after the check is cleared they can revert the money without letting us know per their banking policy. When asked them why was the check cleared when there is an issue with the check they did not give a proper answer and were talking about their internal check processing which as a customer I am not ware of. As a result of incorrectly clearing the check we lost {$3000.00} from our bank account for incorrectly clearing a check. We launched a official police complaint on the person who conned us but this all would not have happened if the money was not cleared incorrectly. Bank seems to be throwing blame on the customer for not knowing their internal check clearing process of their bank which resulted in this issue. The customer care has all the call recording for further inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On a few separate occasions I have disputed with all XXXX credit bureaus XXXX, XXXX, and Experian pertaining to a credit card with XXXX acct # XXXX for the date of last activity, payment history, status, high credit and the dispute was returned verified. I have included the excerpts of my credit reports showing how these accounts are reporting.

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 02/27/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Have a collection on my credit report. Do not have a contract with Convergent Outsourcing for balancing of XXXX to pay. Was staying on a XXXX XXXX base during XX/XX/2015 that did not support 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 explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Sent via mail onXX/XX/XXXXa letter to XXXX along with a check payment stating upon cashing my check payment they would agree to remove all late payments from all three credit bureaus ( XXXX, XXXX, Experian ) immediately. My check was cashed on XX/XX/XXXX and the late payments remain on the account they have not been removed yet. Per the agreement these should be removed from all three credit bureaus. I have will attach a copy of the letter and copy of check along with a snip it from my bank showing it was cashed.

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 02-03-2017 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (IN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was experiencing financial hardship two years ago, due to being unable to secure employment, when I tried explaining this over the phone several times to the Agency ( PEAKS ), they kept threatening my credit and telling me I had to pay it in full, or they would send it to collections. Since I was n't employed at the time ( with no Government assistance, Unemployment, or assistance from family ), I could n't make the payments, and they sent my debt to collections. To this day, I 've been trying to work with them, but every time we set something up, they destroy my credit as if I have n't made any payments at all. On top of this, every time I have called, they keep requesting I pay it in full which is impossible, due to my current situation. I 've requested the recordings of the calls a few years ago, but they will not assist me any further aside from destroying my credit. Now I 'm currently unable to secure any sort of funding for anything. ( car, house, etc ) but yet have to pay {$14000.00}. I was unable to repay my loan, decrease my monthly payments at the time, or any sort of assistance from them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (Credit card) with The Bureaus, Inc. (IA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I spoke with the collection agency person named XXXX XXXX and she was completely abusive and unwilling to work with me on anything. Told me she pulled my credit report and she proceeded to tell me that I was current with all other payments, which I was not. When I asked if I could make a payment arrangement she said, " You have NO money! How do you want to make a payment arrangement?! '' Told me to " borrow money from your mom ''. I repeatedly asked her if I was able to make a payment arrangement and she gave me no choice but to pay the amount in full. I told her I could not do that and she responded with " I 'll just send this back to the company saying you are refusing to pay this! '' Which I was not. I repeated multiple times that I was not refusing to pay it. When I told her that I could set up a payment arrangement she laughed at the amount I gave her that I was willing to pay. She then hung up on me. I sincerely hope that the call was recorded because she was completely inappropriate and unwilling to make any arrangement. I hope this is not how the company conducts their business.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Reviewed my  XXXX  credit report dated   XXXX   XXXX  2017    and  Portfolio Recovery  Associates ( PRC ) reports an original balance due of {$850.00} :  1.  I am without sufficient knowledge of a balance due and therefore entire existence of a balance due to PRC is being disputed by me.   2. Demands for a genuine original promissory note with my wet ink signature have gone unanswered. I have stated a bill of sale is not evidence to the fact.   3. Further, PRC has never produced original signed chain of assignment ( if applicable ) and/or any credible detailed evidence and/or circumstances that resulted in such an original balance due to me.   4. This information erroneously appears on all  (   XXXX  ) credit reporting agencies and I have asked  XXXX  to dispute such claims with no response from PRC.   5. As such, all such information should be deleted from all (  XXXX  ) credit reporting agencies.    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Hello I have already filed one complaint and I am disputing it because everyone I speak to say Ditech is being unreasonable. Their excuse for not reporting my last 6 years of house payments is because I did not " reaffirm '' my house and that is a flat out lie. My attorney who did the Bankruptcy provided me with the documentation that 1. my house was excluded from the Bankruptcy and then he provided me the document that the house was " reaffirmed '' in the Bankruptcy court papers. I was also informed back in 2010 when this took place you were NOT required to reaffirm anything after a Bankruptcy was complete. My attorney has asked me to write a letter to each of the credit reporting entities and make them aware of this as well. My letter is written just not typed up and mailed et. PLEASE SEE ATTACHMENT FOR MORE DESCRIPTION AND BACKUP. Thank you and Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I sent them the fileing of my chapter XXXX XXXX XXXX 2016 Equifax has been notified by the courts my attorneys office and myself and they still do n't have it on my credit report in which is ruining my credit all together my credit report was XXXX now it 's in the XXXX s please help me they are not doing there jobs correctly and I am getting ruined XXXX and XXXX are reporting perfectly ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Navient has been overcharging me for years now. They refused to assist me in lowering my student loan payments and I had to default on my loans while in XXXX and XXXX XXXX After my father passed away ( he was paying my loans ), I was unable to make payments and they refused to help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: every day since Equifax breach unable to file a credit freeze or get free monitoring either online or by phone website freezes up and will not complete enrollment gives errorcode and says try again later this has been happening since the first day breach was announcecd

Company response to consumer: Closed with explanation