milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Sirs, I have a Home Loan Mortgage, and Home Equity account with Wells Fargo Bank. Recently, Wells Fargo updated their online presence by offering access to my personal Credit Score. I was shocked in seeing my score a full 56 points lower than it appears on my XXXX score. I have submited complaints to CFPB in the past concerning the questionable tactics used by Wells Fargo, specifically as they apply to the Home Mortgage Division. Briefly, in 2012, following a mid-management job loss, I approached Wells Fargo for some help in lowering my monthly obligation of {$2100.00}. The bank immediately decided that I belonged in their " Home Preservation Program ''. This was the greatest financial mistake I have ever made, and I have been paying for this involvement ever since. Wells Fargo was literally filled with false promises, delays, lost paperwork, you get the picture. After 8 months of " lies '', I was denied inclusion as my household income was deemed " Too High ''. I concluded that the bank was aware of this factor from the begining, and as the monthly obligation became increasingly difficult to meet, my Credit Score plummeted into the low 500 's. The only area where the bank excelled was in reporting late payments to the Credit Bureaus The Bank continues to report a negative standing on the two accounts, siting late payments even though this has not been an issue for over two years!! 
I focused on rebuilding my score, and was pleased by the results cited on my XXXX file. The latest entry lists my Score at 745. To view only a " fair '' rating on Wells Fargo 's site has prompted me to action. I have submitted a complaint to Wells Fargo, and am awaiting their response. 

Sincerely, 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 12/30/2016 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Credit line increase/decrease

Complaint: my credit line was decreased on my XXXX account, due to inactivity according to their representative, and they failed to notify me of the adverse action taken on my account. 

I have not missed a payment on this or any other account that I own in over XXXX years ...

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 03/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: relate to reference # XXXX false accusations due to I closed my checking and savings account with Wells Fargo in XX/XX/XXXX because my XXXX was decreased for moderate reasons, in XX/XX/XXXX during my divorce I found out XXXX had a Lien on my property, I called and asked XXXX the reason of the Lien, agent told me Wells Fargo sold my account to XXXX XXXX in XX/XX/XXXX and owe $ XXXX, I told the agent my account was close in XX/XX/XXXX, I ask for their documents and other questions, which he could n't give me an answer, agent then transfer me to another department. 
once connected I ask for their documents and was told I open my account Online which I never do, cause I do n't trust online banking, I asked what department I transfer to? she told me is Law office for XXXX and will look into it and call me back once she finds or dismiss the claim had against me. 
XX/XX/XXXX I received letter from XXXX, Attorneys at Law send me copies of alleged accusation from XX/XX/XXXX which I have no knowledge of, since then I been receiving numerous letters from XXXX AND XXXX stated false accusation from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from both parties and different amounts which I have no knowledge of. the time I opened and closed my accounts with Wells Fargo in XX/XX/XXXX, same year Wells Fargo was under investigation by the FDIC with Fraud and embezzlement.

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 04/30/2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: We have an equity home line of credit with Citibank and it was modified a few years ago. First when we did the modification, I was told to pay a certain amount each month and we paid the amount we were told to pay, I later found out even thou we paid what they told us to they reported us as paying late on our credit reports. When I called to complain they said because we did not pay the original payments they had to mark us as late. This has really effected our credit score. Now they claim the modification is over and they have almost doubled our monthly payment, it went from about {$800.00} to almost {$1500.00} per month. We are trying to refinance to just be rid of this account. But meanwhile we have to make these payments. For some reason the loan is split up into XXXX account numbers. so first I must have sent a payment in XX/XX/XXXX and only referenced XXXX acct number so they said we did n't pay the other loan. I called to complain and they did move the funds. Now I received another late fee for XX/XX/XXXX and when I called they said they did not receive a payment for XXXX of the accounts. The payment is was due on XX/XX/XXXX. I sent XXXX payment on XXXX XXXX and they said it was applied to the XX/XX/XXXX payment as principle when I explained that it should have gone towards the XX/XX/XXXX payment they said there was nothing they can do. I asked to speak to a supervisor and was told there were no supervisors working and that I had to call back during the week. I am very upset that these banks can just do whatever they want with these accounts. I want the late fees all reversed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit card or prepaid card (Store credit card) with Atlanticus Services Corporation (NC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX Account Transaction [ XXXX ] Sales Order XXXX Customer CodeXXXX When I purchased the bedroom furniture from XXXX XXXX XXXX in XXXX on XX/XX/2018 I was advised that I would have NO annual fees or added interest if I paid off the furniture within 12 months. Since, I have incurred interest and finance fees which I am very upset about. I could have purchased the set without using a credit company since I already have credit cards. I was advised by the sales rep to utilize this method to build my credit more for other purchases in the future. I have yet to receive a signature page where I agreed to these enormous fees the only page I signed was agreeing to the purchase and to receiving the furniture. So in essence, receiving broken furniture twice, mattresses with no railings, and missing engagements and giving up my Saturday afternoons has been the worst experience I have had buying anything in my entire life. To boot, I did not receive the bed until XX/XX/2018. My charge total should only be {$990.00} but I now owe almost {$1300.00}. That is almost {$300.00} more than I intended to spend. Buyer BEWARE of XXXX XXXX XXXX and the lie of no fees or interest if paid with in 12 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Accurate Background (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have applied to several positions for work and on three separate occasions, the reports came back with INCORRECT information that belonged to another individual, but were associated with me. This occurred twice with XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX and once with Accurate Background XXXX XXXX/XXXX/XXXX XXXX. All three times it was the same information that appeared and I appealed each incident. I did not hear back from Accurate Background. I do not feel confident that they will correct this error, even with the information I gave them. I feel this incident will fall by the wayside again and my reputation and background will look much worse and jeopardize any potential future employment opportunities that I may have. The person that I am being associated with is named " XXXX XXXX '' and on the records the notes say that his middle name was taken down as " XXXX ''. That is not my middle name, nor is XXXX my last name. The incidents that occurred all took place in XXXX, IL. I have never lived in XXXX, IL or been arrested there ever in my life. My residential history will also confirm this and will conflict with the reported dates of the charges associated with XXXX XXXX XXXX. These include : 1 ) XXXX XXXX ( XXXX/XXXX/XXXX ) 2 ) MXXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 3 ) XXXX XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 4 ) XXXX XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 5 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 6 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 7 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 8 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NH).
Issue: Struggling to pay mortgage

Complaint: Attempted to assume and receive a mortgage modification after my mothers XXXX XXXX/XXXX/XXXX. 

Applied through loan servicer ( Select Portfolio Servicing ) on XXXX/XXXX/XXXX. 

Denial letter received from loan servicer on XXXX/XXXX/XXXX for the following stated reason : Discharged Bankruptcy not Readfirmed Mortgage was already in an active modification and was based on my mother and my income prior to her 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 12-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (PA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Juniper, a branch of Barclay, refused to unlock my online account because i did not have a copy of my physical credit card. My account became locked because, while logging in to make my timely monthly payment, i forgot my password and when i attempted to reset it i was expected to know my account number which is not printed on my statement. I called and explained that i have destroyed my card so that i do not use it and i asked them not to send me a new card because it could be intercepted in the mail. I have an ex husband that has stolen peoples identities in the past. They told me i can not make online payments any longer and that i can call every month to make my payment because i will not allow them to send me a new card and without a card i can not get my online access password reset. For the remaining time i have a balance with them, i can not check my balance or transactions online. 

Customer service and the customer services member 's supervisor and the escalation manager all stated that it is their policy that i have to have a card. I explained that there are a number of ways to verify my identity in a secure fashion and DEMANDING i have a physical card to reset my online password is ridiculous. I said they could send me a piece of mail to my home address, i said you could text me a new password or email me a new password, however, they insist that i will now always have to make my payments and check my transactions by phone or by paper. 

i said it is standard, in XX/XX/XXXX, for companies to have online systems customers use and they are blocking me from having standard access because i will not allow them to send me a new card, however, they said it is their policy and there is nothing they can do about it. I have been making payments and not using my card for probably 2 years and i believe i have not been late, however, none of this mattered ; they insist i allow them to send me a new card. 

i believe this policy exists to entice people into ensuring that people like myself who are trying to get out of credit card debt have copies of their cards so that they are more likely to use them. I am sure statistically people who have a card in their wallet are more likely to use credit services than if they do not have a card. I also believe this is a way they are attempting to earn late fees from an individual that is trying to get away from their company by making it difficult, and non standard, for people to make payments. 

I locked myself out of my account last week XX/XX/XXXX to around XX/XX/XXXX. i wanted to see if i had already made my XX/XX/XXXX payment or not when my online account became locked.

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 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This letter is to inform you that XXXX, Equifax and XXXX have all failed to respond to my inquiry dispute letter that I sent certified mail on two occasions. I also disputed online. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, all companies received the certified letters which I have proof of delivery. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not by the consumer myself.
XXXX XXXX XXXX XXXX X/XX/16 XXXX XXXX XXXX X/XX/16 XXXX XXXX XXXX X/X/16 XXXX XXXX X/X/16 XXXX XXXX XX/XX/16 XXXX XXXX XX/X/16 * XXXX XXXX  X/XX/16 XXXX X/XX/16 * XXXX XXXX XXXX X/XX/16 XXXX X/XX/16 XXXX XXXX XXXX X/X/16      XXXX X/XX/16 * XXXX X/X/16 XXXX XXXX X/XX/16  * XXXX * XXXX XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Mortgage (Other mortgage) with CITIBANK, N.A. (NC).
Issue: Settlement process and costs

Complaint: This is in follow-up to Complaint # XXXX. CitiMortgage made hard inquiries on my credit report on XXXX/XXXX/15 and XXXX/XXXX/15. These inquiries are affecting my score and I requested that they be removed, due to the fact that CitiMortgage had no reason to check my credit, since I did not apply for credit with them. PLEASE expedite to the company, so these inquiries can be removed. Thank-you in helping me get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Mortgage (Conventional fixed mortgage) with CORNERSTONE MORTGAGE COMPANY (NM).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgarge was sold from XXXX XXXX XXXX XXXX XXXX immediately to Cornerstone Lending. My first issues began when I paid my shortage amount in XXXX 2015. I paid in plenty of time for it to be applied to my account. My bank statement showed Cornerstone cashed my check on XXXX XXXX. I called to make sure the payment had been applied, I was told it had not been as of XX/XX/XXXX. I had to call back in a few days to make sure, which I did. I was told a few days later that the amount was applied and my new payment would be XXXX. They did not credit my account which resulted in the wrong amount being withdrawn in XXXX. My bank statement showed XXXX being deducted. I called again and was told they would apply the extra amount, over XXXX to my principal per my request and that my XXXX payment would be XXXX. I then, XXXX., received a letter stating they had not received my payment of XXXX and my XX/XX/XXXX payment was late. I called and spoke to XXXX who said, no, that was incorrect, my payment had been received ; I have autodraft, and to disregard the notice. I got another letter dated XXXX or XXXX that said " thank you for your XXXX payment ''. Last week, XXXX XXXX about, I began getting phone calls with no one on the other end, from New Jersey. I ignored them. I got another one today, it connected, asking me to call Cornerstone. I called and was told my XXXX payment had not been recieved. I had to call my bank so they could send a letter verifying the payment had been made. Again, I have autodraft. I asked to talk to a supervisor. I spoke to XXXX who said my XXXX payment had been applied to my principal, so no payment was made in XXXX. 
I am losing my patience with this company! I got another letter today stating they had assessed a late fee and my payment for XXXX is {$1500.00}! I can not take this anymore. 
Please help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 disputed  XXXX  public records that are showing in error on my credit report. I have sent certified letters requesting that they validate it and provide proof of who and what they have that verified the information. They are verifying through a 3rd party agency, not the original creditor. I have already spoke with the original creditor and they have verified that the credit bureau has not contacted them, and that they could n't provide the verification to them anyway by law. However even after submitting this information and requesting validation again, the credit bureau has continued to just send me notices saying that it 's been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Fraud or scam

Complaint: On XX/XX/2016 I sent a Western Union money transfer in the amount of {$930.00} to XXXX XXXX with XXXX to purchase credit repair. Western Union had XXXX XXXX flagged as fraudulent in their system and they proceeded to ask me several questions about XXXX. I told them what she did for a living and what I was paying for. Western Union approved the transaction and did n't alert me to the fact that XXXX and this company was a scam. I never received credit repair services from this company and XXXX ceased communication with me. I was scammed out of almost {$1000.00} and Western Union is refusing to refund it. Control # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I was given an amount to pay each month of XXXX as payback on my student loans XX/XX/2015. 
This year they are charging me XXXX based on no changes in my salary or status. I simply ca n't afford XXXX more dollars per month. 
When I call they put me on hold or disconnect me,

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing statement

Complaint: I have a PayPal MasterCard account. I have been paying off a large balance the last couple of years due to a move. I was making extra payments and they were not being applied to the next months statement. They would still send me a bill. I called them once about it and said they ca n't do that and they need to return my extra payments. They sent me a check for around {$2300.00}. They never reversed interest on the years I have been doing that. They just refunded my last few extra payments. 
It just happen again. I sent a {$500.00} payment for XX/XX/XXXX and and extra {$2500.00} that one would think would be applied for XX/XX/XXXX. I just spoke to them and they said thats how they do it. 
I would like to know why they are allowed to do this and where is the protection for the consumer from these predators.

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 09-07-2016 about Debt collection (I do not know) with Paramount Recovery Systems, L.P. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have discovered this on my credit reports. It had been removed, now its back. I demand this be deleted as Paramount has failed to validate and proof this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: As of today, I received my updated credit scores from Equifax, XXXX  and XXXX. My FICO 8 scores are showing the following : Equifax - XXXX ; XXXX - XXXX ; XXXX - XXXX. When I pull up the older version FICO scores from the credit bureaus for mortgages, I get the following scores : Equifax - XXXX ; XXXX  - XXXX ; XXXX  - XXXX. When I asked Equifax why the big discrepencies in the scores, he couldn't tell me why other than every agency is different. If my XXXX is reporting XXXX, Equifax and XXXX   should at least be a XXXX on the FICO 5 and 4. I've been told my several creditors and mortgage lenders that if there's larger than a 20 point difference, it needs to be reported. This is an unfair practice that Equifax and XXXX is doing especially when I'm working hard to reduce my debt ratios and instead of it being rewarded, I'm being punished? How does that work?

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (NY).
Issue: Settlement process and costs

Complaint: I fell behind on my mortgage and applied for a refinance/bailout with M & T bank. I was approved, signed/notarized all the documents, and returned them to the bank XXXX 2015. I apparently missed a signature page and M & T resent the documents without informing me. Someone signed for the documents that does not belong to my household. I have personally experienced mailmen and UPS people switch the numbers of the house and deliver other peoples mail to me. I tried to express to M & T that it was not me who signed for the documents. but they will not resend the documents to me. Instead, I need to reapply.

Company response to consumer: Closed with explanation