milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (NY).
Issue: Settlement process and costs

Complaint: We have had a home equity account with Wells Fargo since XXXX. The 10 year period of the account is over in XXXX of XXXX. I spoke to a representative in XXXX about wanting to know what were Wells Fargo 's programs that I could possibly use to change my Home Equity account into when the 10 year period was up. I told the rep I wanted to know what all the fees and rates were. He said the only way I could get that was to sign a paper he would send me basically agreeing not to take anymore money from the home equity account. I was n't intending to take any more money from the acct so when I received the letter in the mail that clearly states " Request To Terminate Future Advances ( Home Equity Line of Credit '' and nothing else on this sheet of paper my wife and I signed it. XXXX3 weeks later we get a letter from Wells Fargo that our Home Equity Line of Credit XXXX XXXX XXXX was changed to a 15 year fixed rate mortgage at a 4.8 % rate with a monthly payment of almost {$2900.00}. We are XXXX retired and our fixed income comes no where near being able to afford this. We immediately called Wells Fargo and larged a complaint. We were told that we had agreed to a 15 year fixed rate mortgage during my conversation on the phone. I asked to hear the conversation that was supposedly recorded by them and they refused. I would never agreed to a 15 year fixed rate mortgage that I ca n't afford and the fact at the time I still had 6 months left on my Home Equity Account where I was paying {$1300.00}. Why would I agree to pay {$2900.00} rather than {$1300.00}?? 
Since that time I have had my complaint reviewed by Wells Fargo and they still insist I gave them a verbal OK to switch to a 15 Year fixed rate mortgage, WHICH I DID NOT!!!! 
I have refused to pay the new 15 year fixed rate mortgage monthly amount of {$2900.00} for the last three months, my credit rating continues to go down and no other bank will give me a loan because I am now behind on the 15 year mortgage that I was put into without my approval.

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 07-07-2016 about Credit card () with DISCOVER BANK (IL).
Issue: Credit card protection / Debt protection

Complaint: on XXXX i enrolled in XXXX to check my credit.And on that date i found a credit card that was not mine, but on my account.So i called XXXX and asked them what this discover credit card is doing in my account.They told me that there was a discover card issued to a XXXX using my social security number on XXXX at the address of XXXX Il. XXXX.That was my sisters address which she had used my social security number to get this credit card.She did it in the past to me XXXX other times.Plus she even got a XXXX Il . XXXX.I called discover and gave them the credit card number of XXXX.They in turn did not investigate on that they investigated on my legal XXXX i have that i did not even use.The discover card that my sister got is still in use.My sisters name is XXXX, but she goes by her maiden name of XXXX.I want discover to close this account and investigate, but they will not.They said XXXX must be wrong.XXXX told me they are not wrong that is the information given to them by discover.I have copies from XXXX showing this.I send discover all the information and my identity, but they still refuse to do anything.Please help me out because i want to have my sister arrested for this so she stops.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2015 about Credit card () with CITIBANK, N.A. (IA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Per a credit report pulled in XXXX and disputed several accounts listed with all XXXX credit agencies, as the accounts were not even mine. XXXX XXXX Account XXXX, Sears.CITI Account XXXX and XXXX XXXX XXXX Account XXXX. All XXXX of these accounts belonged to a different XXXX XXXX. Additionally, there was no social security number on file for XXXX of them, and there was also an invalid address attached to my credit reports for the state of XXXX and I have never lived outside of the state of XXXX in the XXXX years of my existence. When calling XXXX the representative told me in XXXX that name on file was for a XXXX XXXX XXXX, that there was NO social security number captured from that person for the account AND when reporting the credit situation, they did n't know where to attach it so they put it on mine. These XXXX companies have attached information for someone named XXXX XXXX to my account since XXXX, which has impeded my ability to secure fair interest rates or even securing loans to purchase vehicles or a home. Lastly all XXXX of these companies informed me when calling in XXXX that my social security number was not even in their system, and upon formally disputing these items with the XXXX credit reporting agencies, it took over 2 years and more than one attempt to get these items removed from my credit report. In XXXX, I was refused a car loan, in XXXX I secured a car loan for a rate of 10.75 % interest, in XXXX and XXXX I was refused home loans when attempting to purchase and as a result was required to relocate myself and my children XXXX times in seven months shortly after their father passed away.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: my mother got behind on her mortgage because of XXXX and she had a fire that destroyed the house and we had to pay XXXX mortgages and she couldn '' t do it. XXXX to rebuilt and another to pay her mortgage to nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NM).
Issue: Managing the loan or lease

Complaint: All my payments to Wells Fargo Have been on time and they marked my account 30-59 days late destroying my credit by XXXX points I called them and they stated they could do nothing so I am doing this..

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 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: GM MasterCard by Capital One. I 've been a customer since XX/XX/XXXX ( XXXX years ) and never had a late payment. It 's been all setup with autopay for many, many years. I have n't used the card in the last year, so when the {$39.00} annual fee was assessed I did n't know to lookout for it. 

Sometime in the past year, the bank switched their website. The card issuer 's change broke the link the autopay setup at my bank. So I never got a bill and of course could n't have paid it. Magically though, they reached me via paper mail to assess a punitive late fee and penalty. 

Today I tried to call and resolve. After a long hold, my request to have the penalty/fee removed was denied. I asked to speak with a supervisor and spent an hour on hold before being disconnected. I resorted to XXXX, where I got an immediate response. But after being strung along unprofessionally for hours ... the agent offered zero substantive help. Just generalizations about a bad technology weekend and that any fees would be rolled back. Not really paying attention to the story or even looking anything up. It was literally hours of wasted nothing. 

An entire evening of my life wasted. I do n't care about stupid {$50.00} so much as the principle. THEIR technology change caused this failure, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I was initially set up on a progam where funds were auto drafted monthly. I noticed they funds were n't being deducted I reached out to customer service who assured me I was still in good standing. The following month is was the same situation I once again called a XXXX XXXX representative who informed me everything was still in good standing and not to woy they would notify me when the program ran out so I could call back and requalify. No my student loans are ove {$800.00} dollars behind. I have XXXX XXXX XXXX on several occasions to set up a payment arrangement to bring everything current. None of reps were willing to help There only option was to pay it all then I could set up a payment arrangement. It waslike my prior XXXX calls had gone in vein. Based on my current income and and the amount of debt I 'm currently in I was asking for the lowest payment possible never neglecting the fact I owed them but wanted a lower payment. I even had XXXX rep to tell me borrow the money from someone to make the payment. Some type of customer service XXXX XXXX has. I wish I would 've never taken out a student loan with XXXX XXXX because they refuse to help you when you actually call they to set up payment arrangements and then all they do is harass you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (I do not know) with Stellar Recovery, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Two weeks ago, we started getting calls from Stellar Recovery from XXXX instructing us to call XXXX. When these calls come, no one is mentioned by name to call them back. We have not received any mailed past due bill regarding this fact. Back in 2008, we took a loan to pay off any outstanding bills-some of these were past due. Since this we have strived to make every payment on time. I have excellent credit scores. We have not called the number per warnings from other victims of this company. I was going to write them, but I do not have their address. I have already turned in a complaint to the FBI online. This seems like a scam to me. Please see what you can do and kindly give me a call at XXXX of a reply to this email. Thank you for your time and consideration ... 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 10/19/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: on XXXX/XXXX/2015, I filed an dispute with Portfolio Recovery Associates , LLC. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised Portfolio Recovery Associates to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised Portfolio Recovery Associates that not complying wit the FDCPA will put their company in a bad position with the CFPB. Portfolio Recovery Associates never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA .Portfolio Recovery Associates sent me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Taking out the loan or lease

Complaint: I have a simple car loan with Capital One, starting XXXX, XXXX. My fixed interest rate as written on my contract is 3.35 % and the Finance Charge at the end of the loan is {$850.00}. I noticed every month my auto statement for payment the interest rate fluctuates. I called Capital One on XXXX/XXXX/XXXX to ask why it fluctuates, the rep, XXXX, said yes, it 's a fixed rate but you are being charged a daily interest rate and it {$.00} per day. I said what is it, daily interest rate? She said I do n't know, I have to ask. I waited for almost XXXX minutes and she came back on the line and said a supervisor said it 's a charge by the bank so I pay my loan off. I said WHAT? I 'm paying an interest rate of 3.35 % to pay off this loan. She said would you like to speak to a supervisor, I said yes. A supervisor came on the line, right away and I asked him where on my contract does it say a daily interest charge will apply. He said you signed the contract and it 's in the Finance Charge that you will pay at the end of your loan, I said WHAT, THIS IS FRAUD. A CONTRACT IS A CONTRACT AND YOU CA N'T ADD ON OTHER INTEREST CHARGES. How can this hidden fee be allowed? A contact is a contract. If I decided to lower my payment because I thought it was something I wanted to do I ca n't. A contract is a binding contract. No where is it written about a daily interest fee charge on my contract. A contract is a binding contract and I feel they are defrauding me and charging me a hidden fee.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (ID).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Multiple car companies and credit cards

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 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I got my loans through Navient in XXXX. I got put through for barren twice, wasw never given another option. they made me pay almost {$500.00} to go into forbarren for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAINE & WEINER COMPANY, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I co ntacted Caine and Weiner o  n   XXXX   XXXX  2017  re garding a collection account debt on my credit report which is not mine. I sent a letter certified/read receipt which they accepted and signed for. For    XXXX  2017 ,   the collection account debt was removed from my credit report.. However, it reappeared on my  XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: i am financing a car from XXXX through the XXXX bank in XXXX ma, i have never seen any statistics or report concerning my car payment,, why is that? i have been paying for this loan almost a year now .. the loan is under my name and wife name and only it shows up on her credit report not on mine as well ... so any suggestion how to bring my history back on my credit report because it affects my scoring issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX is listed on my credit report as a collections account. The account needs to be deleted from my credit report immediately. XXXX XXXX XXXX signed a consent agreement on XXXX XXXX, 2015, with the Consumer Financial Protection Bureau because of their illegal and deceptive debt collection practices. Under the consent agreement, XXXX XXXX XXXX is to provide consumer refunds and correct credit reports for those consumers. My situation falls under the consent agreement and the collection account needs to be deleted from my credit report immediately. XXXX XXXX XXXX used deceptive and illegal debt collection practices to try and collect on the account they placed on my credit report. In addition, XXXX XXXX XXXX has incorrect information on my credit report which is a flagrant violation of the Fair Debt Collections Practices Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Many inquiries on my credit report that were not authorized.

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 01/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Paid off all open collections on my reports. But they still show as open. I have provided a screenshot of the XXXX account I was able to pay online the others I believe are sending me letters

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 04/27/2016 about Debt collection (Medical) with Accounts Research, Inc. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have asked this debt collector to only contact me through my Cell and home phone, they keep calling my work and mailing notices to my job after I had already gave them my home address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 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: Personal information incorrect

Complaint: Neverauthorized any credit check from XXXX XXXX. I was told that this was never going to show up on my credit record. I was misled by sales rep, trying to sell me a service. Spoke to XXXX XXXX, Salesperson on phone that day. He said I never should have been asked for any information. 
XXXX XXXX, XX/XX/2017 XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I recently purchased a home. Throughout the process I was aggressively steered towards unhealthy loans b y Quicken Lo ans and    XXXX   XXXX   XXXX  . Those two  companies pushed me towards  high APR FHA loans with the lowest down payments against my very strongly worded in terests in paying a higher down p ayment. The loan officer I spoke with at Quicken Loans seemed to make a specific effort to avoid discussing  the APR of the loan she wanted to push other than over the phone. My overall mortgage shopping experience greatly concerned me, especially when put in the context of the anti-steering disclosure I eventually received at closing of my conforming mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had an overdraft protection feature on a checking account opened in XX/XX/XXXX at XXXX XXXX XXXX. I was XXXX at the time. InXX/XX/XXXX it was reported as late and due to me being young and not financially sound I did n't pay some overdraft fees that totaled XXXX dollars. Several years went by and as a worked toward my professional career I wanted to get my credit in order. So in XX/XX/XXXX, I checked all my reports and saw this XXXX charge I knew nothing about not remembering what it was from. I paid it immediately. However, my Experian and FICO report is showing that I failed to pay for years which equals 65 months of failure to pay status on my report. This is literally tanking my credit over 250 dollars. The worst part is that due to the timeline it would have been better for me to never pay it off and just let it fall off my report after the 7-year limit but I thought I should pay what I owe. I do n't think it is fair to have 65 failure to pay statuses on my report when the bank writes off as a paid profit loss and then I proceed to pay it when I learn how to manage credit as a young adult. I do n't think it 's fair for the life cycle of this account to restart since I choose to pay off what was owed instead of letting it fall off the report. It 's doing a ton of damage to my report over 250 dollars from a XXXXyear-old. And  again I PAID IT BACK in full to the original creditor.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax had their computer network systems hack. Now the most sensitive of ID data, including yours, is in the hands of criminals. Equifax was/is responsible for protecting that data. They should be held accountable for fixing the breach of their systems. I 'm afraid for the future of my family because my SS #, and my wife 's, and Children 's has been compromised. I need a permanent solution, not a 6 month monitoring joke.

Company response to consumer: Closed with explanation