milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-07-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Trouble during payment process

Complaint: Each month I pay extra principle money towards my mortgage in an attempt to pay it off sooner. Well Fargo is continuing to apply my extra principle payment to future months, instead of towards principle. Clearly this benefits Wells Fargo as it hampers my attempt to pay extra towards current principle. 

I have other mortgages with other banks, and they do not do this. To me, this seems like a shady practice by Wells Fargo, as it hampers my attempt to pay extra towards current principle. 

I have had contacted Wells Fargo multiple times on this, and demanded that the default option for excess funds should be to reduce principle. I should not have to call in every month to get this taken care of, since Wells Fargo is choosing the option that benefits their bottom line.

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 12-02-2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Rewards

Complaint: Citibank removed all my points from my Thank You Rewards account. I earned points through multiple Citi Fwd credit cards, as they changed numbers throughout the years. 
I tried logging in to my account, but my login was denied. I then called Citibank, talked to supervisor XXXX, who is based in Kentucky with ID XXXX. He told me my account was closed and it was " inactive '', claimed Citibank " sent a letter '' saying my account would be closed, but was not able to say when the letter was sent nor had a way to track it. I told him I never received a letter or email or call or anything. 
He then offered to credit my account " in XXXX points, which is about half of the points ''. I rejected the " offer '', telling him that by accepting it I would be in line with Citibank 's actions, which I 'm clearly not. I told him I wanted nothing more, nothing less than the points I 'm entitled, which I earned by spending money on the card since 2009. 
There are at least a couple of cards that earned credits, ending in XXXX and 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 06/26/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing this on behalf of a very good friend that lost his Spouse 3 yrs ago. after she passed he could not afford the house payment that he has lived in for over 27 yrs. I helped in to work with the original lender but in the middle of the loan modification process they sold the loan to Ocwen Mortgage. We filed all teh loan modification documents with them and we had an offical Loan mod trial period as long as we made the payments for 6 months we woudl be clear for the loan mod. here we are 2 yrs later and the loan mod is still pending, Teh owner is still getting foreclosure letters but when i call and talk with the file manager they keep telling me to just keep paying the loan mode payment as they keep checking to find out why the loan modification isnt going thru. after a yr so far of doing this. ITS STILL UNRESOLVED XXXX/XXXX/2015. the stress it is creating for the owner an dmyslef for helping him stay in his home like I pormised him I will try to do a dn as far as we were told he was when I talked to Ocwen about the loan modification we are doing everythign they have asked us to do. but he is still getting certified mail saying that he needs to pay the rears or they will foreclose. All we want is it to be final at the payment they agreed to and move on with life.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit card () with CITIBANK, N.A. (WI).
Issue: Billing disputes

Complaint: I use my Best Buy credit card to make purchases. Depending on the total amount of the purchase I am offered the option to defer interest payments for XXXX 'months. The balance is then tracked under the promotional balances. When I make a payment the payment is then divided amd credited to the promotional balances expiring within two months. In addition I sometime go into the best store and use my credit card to make purchases that do not qualify for defer interest payments. According to best buy this balance is called the revolving balance. Best Buy does not allow for payments to be allotted to the revolving balance and therefore forcing the customer to pay interest. Even though the total payments made after XXXX days of the last statement closing would be sufficient enough to cover the revolving balance and stop any interest being charged. Especially when the customer promotional balances do n't expire in the month that revolving balance interest be charged. On XXXX XXXX I made XXXX purchases in the amount of {$290.00}, and {$84.00}. I chose not to put these purchases under the deferred interest program because I knew that within XXXX days I would be paying the balance off in full for the purchases. I then made XXXX payments {$100.00}, {$120.00}, and {$160.00}. The total of these payments would have covered the entire revolving balance made on XXXX XXXX. Instead Best took my payments and applied them to promotional balances that are expiring XXXX/XXXX/15. Now I will be charged interest for my XXXX XXXX purchases when I have made payments to cover it and avoid interest. I called best buy about this and XXXX they stated that they could apply my payments to revolving but then he placed me on hold and came back to the phone and said that his supervisor said that it ca n't be done. This is unfair, if you are tracking the promotional and revolving payments, then you should also track and allow a customer to specify how payments are applied. Bestbuy is trying to force collecting interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted transunion on XX/XX/XXXX at XXXX XXXX eastern standard time I mentioned to TRANSUNION i was a victim of their inquiry issue, a representative mentioned to me they were n't able to help me out with the inquiries, sec 611 of the Fair credit reporting Act states anything that is deleted from your credit report and reinserted you need to receive a 5 day notification after that item is reinserted, for the record I was not notify by TRANSUNION of any notification of any inquiry being reinserted ... 

Name of Company Date of Inquiry Type of Business XXXX XXXX XX/XX/XXXX Finance XXXX XXXX XX/XX/XXXX Banking XXXX XXXX Finance XXXX  XX/XX/XXXX Oil And National Credit Cards XXXX XX/XX/XXXX Oil And National 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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
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: I have contacted XXXX on 4 different occasions twice by phone and twice by certified mail. They insist that they have verified the accounts in dispute. This company XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1400.00} and {$1500.00} with XXXX, XXXX, & Equifax credit reporting agencies. I requested validation of the debt and I have n't received anything. Considering that this business does not have a contract with me, nor have they provided any services to me I am not obligated to pay for this alleged debt. I am demanding that the business remove the negative report against my SSN and any credit reporting agency. In addition the business agrees to have no contact of any form with the regarding this account now and/or in the future. Lastly I 'd like them to remove my personal information from all accounts in the companies database. Back in XXXX 2017 these accounts were removed from my XXXX credit report and placed back on my report in XXXX. This is becoming very frustrating and overwhelming and it 's making it hard for me to acquire credit and become a homeowner. The company is very harassing and they continuously call all day and during the evening as well. XXXX ACCT # XXXX XXXX ACCT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (FL).
Issue: Taking out the loan or lease

Complaint: At the termination of my lease, when I return the car to the dealer later I received the letter for ally financial charging Excess wear for the tire. I do n't agree to pay for this because I return the car XXXX Cadillac SRX with XXXX miles and total mileage allowed is XXXX.so when I return the car the tire has in good condition and normal wear for the mile it has, not excessive wear like they said.

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 09/15/2017 about Debt collection (I do not know) with ERC (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On X/XX/2017 my phone rings and shows a number at XXXX. When the in formation shows up it showed that this is a company that I had already reported before to the Credit Bureau for just putting information on my credit report that had been removed over 4 to 5 years ago for a debt that either was not mine or had been disputed by prior credit collection companies who removed the information from the credit report. I also contacted them ( ERC ) and received conformation that the debt was removed. I am not sure how this account showed up almost five years later with ERC and just placed on my credit report with no knowledge of this account by me and with a new age date on my report. After, I informed the credit bureaus and this collection company about this they removed the information but now I have started receiving calls from this company again when I plainly sent in communication not to call me but they continue to call me from different numbers for no reason. When I sent in my communication I let them know I would like to know off the top the statute of limitation on this alleged debt and why did they just put inaccurate information on my report that was re-aged to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WORLD ACCEPTANCE CORPORATION (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is a phantom debt from another collection that has been previously taken off my credit report due to payment, but the original creditor is still trying to collect when the debt is no longer vald

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (FL).
Issue: Application, originator, mortgage broker

Complaint: Greetings, I 'm writing to ask, What good is the H.A.R.P program, if the banks all turn you down? If the object is to assist people, it sure is a lousy program. I 'm currently paying 7.5 % with payments at {$1100.00} a month, yet every bank I ask will not let me refinance due to not enough income??? I currently make about {$1300.00} a month income, and have not missed a payment since I took over the loan, yet no one will let me refinance to a lower rate, which will reduce my payments. I would love to be able to afford hamburger helper occasionally, instead of raman noodles and what vegetables I can grow in my garden. Time is running out on the program, I would like a refinance before that happens. 
I used Quicken Loans only as an example since its the most recent bank I approached, but this is the case with many places I have tried.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CCS Financial Services, Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There were two accounts opened XX/XX/13. First account for {$1000.00} and the second one for {$1500.00}. Someone fraudulently opened both accounts. XXXX deleted the account for {$1000.00} but not the other, if both accounts were opened on the same day, how would they delete one and not the other ... ... .I would this removed from all three credit bureaus.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Borrower is in a reverse mortgage. He fell behind on the taxes and insurance due to medical expenses and was not able to pay. We understand the Wells Fargo paid the past due amounts. XXXX entered a repayment plan in XXXX 2016 payments to be {$220.00} a month. Wells Fargo claims that XX/XX/XXXX and XX/XX/XXXX payments were not made however borrower has proof of payments. He paid with personal check # XXXX for XX/XX/XXXX and check # XXXX for XX/XX/XXXX Each month borrower would received the coupon statement with the dollar amount due ( {$220.00} ). He was never aware of missing payments. His argument is if he was past due why would n't the past due amount reflect on his monthly coupon payment? By the time Wells Fargo did send him a letter that was in XX/XX/XXXX his account was past due and now Wells Fargo is stating he broke the repayment plan and now is at risk of foreclosure. He spoke with XXXX which she confirmed payment was received and said she would apply to account. We called in today and spoke with XXXX. She informed us that in order for XXXX XXXX to be reconsidered for another repayment plan, he would need to bring his account of {$13000.00} balance to less then {$2000.00}. Borrower is unable to pay such large amount, however his wife is now in better health and has started full time work this week to help with this situation. They are desperate to save their home. They have applied for the state program Save our Home XXXX program but unfortunately XXXX Dept of XXXX does not assistance with Reverse mortgages. Borrower has called numerous times to Wells Fargo to resolve this issue and keeps getting the run around. He did not break the payment plan and he can also provide proof of insurance but has n't because he has been told the plan is broken and now is facing foreclosure. If Wells Fargo is willing to work with him he will provide evidence of insurance and also can pay up to {$300.00} a month to save his home. Please help them!

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 05-12-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am in foreclosure. I was offered a trial modification plan with the first payment due XXXX XXXX, 2016. I had a XXXX and was in the hospital so I was not able to make the first payment on time. I called OCWEN loan servicing and was told that I could submit the payment on XXXX XXXX. On XXXX XXXX, 2016, I submitted both the XXXX XXXX, 2016 and XXXX XXXX, 2016 payment for the trial plan with the signed trial plan. I was then told by OCWEN that this will not work and they still plan on selling my home on XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Problems caused by my funds being low

Complaint: I opened an account with Capitol One 360 in XXXX. The account was opened with a {$25.00} deposit with a {$25.00} dollars overdraft limit. On XXXX XXXX, XXXX my husband and I purchased a time share. I provided the resort with my debit card number with the intent to transfer {$100.00} into this checking account by XXXX XXXX, XXXX, first payment due date. However, my husband and I cancelled the timeshare due to fraud and misrepresentation. I was advised by my attorney to cancel my debit card to avoid any further charges, so I cancelled the card. With a {$2.00} balance in my checking account, The time share company debit my card for {$100.00} causing my account to be {$98.00} overdrawn on XXXX XXXX, XXXX. I disputed with the charge Capitol 360 under the grounds of fraud and misrepresentation by the timeshare company. I lost the dispute. I asked the bank representative why did they allow a {$100.00} charge to go through when I had only {$25.00} overdraft protection. They told me they still allow certain charges to go through such as gas etc. I attempted to buy gas with this debit card over a year ago and the transaction declined. I have attempted to further dispute this with supervisors and gotten no where. I received an email from the escalation department stating that I can no longer dispute this item. I feel that I should not be responsible for paying this charge when there was an overdraft limit of {$25.00}. I attempted to close the account, but I was told that I could n't until I paid the pending overdraft charges. This account is constantly accurring interest.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not implement appropriate protections for consumer credit reports and their personal information. Information about the breach of public trust follows : " Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. '' " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. ''

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a card with   XXXX   XXXX   XXXX  , well i fell on hard times and was  XXXX  i missed  XXXX  payments and they garnished my  XXXX  check for  XXXX  yaers i made payments of  XXXX  and then they took my tax refund from a tax offset of  XXXX . The card was a  XXXX . Limit. And listed on my credit bureaus was  XXXX  with late pays.. with making payments of  XXXX  a month for 2 years is not even close to oweing them over  XXXX . They owe me a refund when i told them of their oversight they told me i never paid them.. even thou i have all the  XXXX  payments made to them. I do not feel they are justified to steal someones money just cause they can for 2 years they took payments and then they take  XXXX  from tax refund.. how is that legal. I wrote them  XXXX  letters and  XXXX  emails. They refuse to make this write. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX of XXXX, my wife and I purchased our XXXX home. During that process, we solicited quotes for homeowners insurance from many companies, including XXXX XXXX. In the end, XXXX XXXX was not selected and we never signed any documents with them. Fast forward to XXXX of XXXX and I receive a notice of a debt owed to XXXX XXXX. I sent the debt collector a letter dated XXXX XXXX, XXXX stating the above. Despite giving them my phone number an email address in this letter, I never heard back from them and I though we were finished. Yesterday, XXXX XXXX, XXXX, I received a notice of the same debt! After being notified in XXXX of XXXX that there was no debt and in fact no contract with the company, the collected has once again contacted me to pay, in violation of the Fair Debt Collection Practices Act.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Debt collection (Medical) with GLA Collection Company, Inc. (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX has not applied all payments to my debt, I sent information and copies of my bank statement showing payments had not been credited to my account so I stopped paying and they turned it over to a collection agency. I have sent other info to collection agency twice and have n't heard from them for a few months. They need to apply my payments and stop sending wrong information to collection agency.My credit is not very good and this makes it even harder when they refuse to correct there mistakes..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have filed for Bankruptcy- and did what my lawyer said to let them know, since I told them I get called no stop all day and night from XXXX XXXX and Chase- Starts at XXXX and goes on all day. Even on Sunday When i do talk to them they said we can work out a payment plan but I tell them I have no job and no money thats why Im filing-then they tell me you can be put in jail and loose all rights, its got me so upset,

Company response to consumer: Closed with non-monetary relief