milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX called Wells Fargo and inquired about when my PMI would end. They told me three criteria, 2 of the 3 I will meet by XX/XX/XXXX but they then explained that the third criterion, to have a 78 % loan/value I would not meet until XX/XX/XXXX and that my home could not be appraised. I explained that the value of my home has nearly doubled in two years, I exceed 82 % loan/value at this time, conservatively. They then explained that this money is paid to XXXX and that I should contact them to inquire further. I contacted XXXX, spoke with a representative who told me I would need to call the Federal Trade Commission at XXXX. The Federal Trade Commission representative said that was incorrect, which I suspected, and referred me to the Consumer Financial Protection Bureau who explained the typical qualifications to end PMI payments, including that I can request " in writing that PMI is stopped when the home has 80 % loan/value ''. This detail was not mentioned by Wells Fargo on two separate occasions, but I already knew about this from my initial lender.

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 01/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have a Wells Fargo credit card that I paid off. Before I did, I had zero issue paying the balance or paying on time. I XXXX out their card in the process of buying a house. 

A subscription service that I tried canceling 7 times, that kept charging the card without my knowledge. The second I realized, I paid the amount ( around {$10.00} ), but it was already past due. I tried explaining that this was unauthorized use of the card. I also explained that due to the nature of us closing on a house within 30 days, this is an urgent matter, since it was reported as a late payment. They will not remove the mark regardless of the fact that it was unauthorized, and at one point, a rep told me once you use the card once with the merchant, you gave the permission permanently. This is a load of XXXX, and I know that. 

Ive been trying to get them to remove the late payment for two days ( XX/XX/XXXX-XX/XX/XXXX ), and everyone is kicking me around. They know that this is about to lose me my house, but everyone tells me whoops get over to that department. I dont care about paying the amount, but the part that bothers me is that I am disputing the validity of the charges, I have been a good and upstanding customer for years, Ive never had an issue in the past, and they refuse to just tell me how I can contact the right people. They literally told me that they dont know how to contact their credit bureau, who it is, contact info for the credit bureau, or a timeline or if they are trying to remove it. To make it all better, they just kick me around and refuse to give me contact information while I BEG them to just give me a way to contact the right person. 

I also had a rewards balance that MORE than covered the balance on the card, but they didnt use it and they didnt allow me to apply it to the erroneous balance on the card. Seems like if you have money of mine already, you should probably just use it. 

At the end of the day, the charges were fraudulent, and I paid them regardless. Im not asking for money back. Im not asking for them to do anything except undo the damage. I just want to be treated like a human being and have compassion to the gravity of the case. Im buying a house and I cant wait for them to kick me around to 30 more departments over the next 3 months, when its not money I even tried to spend. To make it all better, my wife is XXXX and we are terrified our loan is in jeopardy. Were about to be homeless and Wells Fargo is just saying sit on your hands.

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 07/15/2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Transworld System has been calling my XXXX year daughter 's brand new cell phone number day and night for the last week that she 's had the phone. I got on the phone once and ask what they wanted with my child, they told me it was none of my business and it 's personal. They would not tell me why they kept calling us and why they are harassing a young child. The harassment of a child has got to stop. I finally was able to get one of the many people who kept calling to give us the name of the person they are looking for and we have no clue who it is. However, it does n't seem to matter to Transworld that we are not the person they are after. They choose to continue to harass my XXXX year old. Perhaps the person who continue to contact my daughter is a pedophile. I ca n't image why they continue to call a kid night and day.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Auto) with Reliable Credit Association, Inc. (WA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The guy claimed to be from reliable or pursuing the debt from reliable, saying he was at one of my references addresses trying to deliver legal documents for a civil court matter regarding my debt. I told him, I spoke with someone about this matter already, I have had numerous threatening AND harassing phone calls to friends and family and my employers and this needed to stop. He said he had the right to pursue it and told me if I do n't pay this debt right away and acknowledge what I owe then he was going to wait for me at my job and hand deliver these documents and I would have no choice but to accept. I told him this is a debt NOT criminal and for him to be harassing me at my job is unacceptable. He said he would see me at my job and we hung up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Midland Funding placed a judgement on my credit report for a credit card debt that had nothing to do with them. I owed XXXX XXXX and apparently they purchased the debt and proceeded to harass me. I have a medical condition with proof and I told this company about this issue. This debt is since XX/XX/XXXX/XX/XX/XXXX and they are still harassing me to pay way more than I owe. I never received a summons but when I checked my credit report, there is a judgment placed. I called Midland Funding and asked them about it. they stated that they did not put this on my credit. Can you contact this company to find out why I have a judgement on my credit report and I am being hindered from getting medical attention because of this. I appreciate you investigating if this is legal for an unsecured credit card and the debt is so old. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (OK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I 've never received any bill from the creditor or written documentation from the collection agency. They call asking for personally identifying information. Have failed to provide this on request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Prosper Marketplace, Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the Prosper Marketplace Loan account .Ive Been trying to verify this account for four months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit card () with CITIBANK, N.A. (FL).
Issue: APR or interest rate

Complaint: I purchased a riding lawn mower from Home Depot using the Home Depot Credit card with no interest if paid in full within 24 months. The lawn mower was defective and caught fire. The company reimbursed Home Depot the full amount, Home Deport credited the account {$1800.00} on XX/XX/2015. However Citibank who is the card issuer did not apply the amount to the no interest purchase and have now added the full interest amount to my credit card.

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 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: cra violation more than 30days must remove inaccurate stuff that are not mine sent them every thing they need

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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In the past two years XXXX  XXXX XXXX  is being reporting inaccurate information to the three major bureau on my behalf. l have sent them 4 different letters requesting to verify the that this information is mine, and, that it is accurate. in violation of a federal law all four occasions they have failed to provide me with a copy of the original contract with my signature on it. All l get is a response back in the mail, stating that they do not understand the reason of my despute. The case is for the three major Credit bureau, XXXX XXXX, Equifax and XXXX, none of them can seem to follow the law and at least provide with a copy of the original contract with my signature on it,

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: wells Fargo has denied my application for a cheaper payment, citing my cosigners income as the reason. My cosigner is actually in dire straits himself and is in the process of filing chapter XXXX. I ca n't keep making the payments they want ( 35 % of monthly income ), I do n't have the money to pay what 's past due, I ca n't adjust the payment amount and I ca n't ask my cosigne for money. I have no options and it terrifies me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have a Student Loan in place and at the time I left XXXX XXXX University, I received a notification from FedLoan servicng, that I needed to start paying my student loan back. This notification came to my permanent home address at XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX, which FedLOan serving had on file approximately 90-120 days after leaving school. 

This was the first notification I received from FedLoan that my account was now due and I needed to set up payment. I immediately responded and made payment arrangements. 
I noticed that they had reported to the Credit Agencies that I was 90 days late. When I called FedLoan Servicing to inquire about the 90 days late, and I had just received my payment notification by mail, they told me that the initial notice of payment went to my XXXX XXXX  University student email, even though they had my permanent mailing address. I of course no longer had access to my student email as I was out of school and so did not receive a notice to begin paying loan. 
I told them for something this important, the first payment due notice should have been mailed to my home address, just as the 90 day notice was. Fedloan acknowledged that they did not send me a bill to my home address. I asked that becasue I never received a bill, I should not have been reported to the credit bureau as delinquent and asked that they remove or correct this with the credit agencies. They told me they do n't do that and I should have known it was due. 
I sent a letter with the same request and also contacted and challenged all 3 credit agencies that I never received an initial bill until 90 days past due. They sent letters to Fedloan but I am sure Fedloan responded that they emailed me. Therefore the 90 day delinquent is on my credit reports and damaging my credit and costing me money in higher interest rates. 
Summary : Since I did not receive an initial bill in the mail, which Fedloan had and chose not to use, I need the 90 day delinquency on all 3 loans taken off my 3 credit reports. It shows as three loans as disbursement was by semester, when it is actually one student loan. I have in fact, already paid about {$7000.00} back already and will pay the loan off. It is not reasonable or right to consider the loan 90 days old when initial repayment due was not sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CA).
Issue: Managing the loan or lease

Complaint: We have XXXX auto loans with Ally fin. XXXX is perfect XXXX is total disaster. We bought XX/XX/XXXX and paid auto pay on both every month in XX/XX/XXXX loan XXXX 's auto payment was cancelled by Ally by mistake they never contacted me ( loan XXXX still perfect ) I got a letter saying we owed 2 months + late fees I paid over the phone one payment and was told I could resume auto pay once acct was current. I have continued to pay each month sometimes early and every month Ally says we are one payment behind because they apply my payment to the previous month and report it the the credit bureaus as missed payment ( not late but missed ) they have done this 8 times and now have ruined our credit. My husband and I have both tried numerous times to explain this and writing letters emails calling etc to fix this to no avail. My husband works for XXXX and they use Ally for most loans there and we have had such a devestating experience with them he has informed his bosses as to the trouble this has caused. I have all documentation supporting my payments and every month they do it again and again. I am unable to refinance my home because of them. I am considering getting an lawyer but do n't know where to go. My husband even offered to give them an additional payment if they fix our credit but we do n't trust them. If we pay them more how do we know they will really fix our credit score with regards to them. My husband is so upset that he has even considered telling them to just take the care back. Why would we do that though because we have made all of these payments. It does not make sense. We have XXXX car loans with them how can XXXX be perfect and XXXX be totally messed up? It is so frustrating and has really effected our life as we have XXXX kids and do n't make a lot of money and our only hope was to refinance our home as we have never been late in a payment and have good equity but our credit is low mostly because of Ally. Every time I call to speak with someone I am just treated like an XXXX and they just talk in circles and read from some script telling me how they understand and they are sorry and blah blah blah ... Oh and by the way when can we get that payment you owe? ughhhhhh!!!! I HATE ALLY!!!!! 
Please please help us. 
Thank you XXXX and XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit reporting () with Experian Information Solutions Inc. (WV).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Experian states they have verified information that is incorrect. I have called them and am told that all they do is electronically send messages to the creditors who pay to put the negative information on their site and they check yes or no for the verification. This is not validating a debt or address, etc.! There are items that the other bureaus removed that Experian refused to remove!

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 04-08-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo Bank N.A . has falsely reported that my account XXXX ( home mortgage ) shows delinquency. I have a print-out, from them, showing not even one late payment, much less a delinquency. This is hurting my credit. I have never been even one second late with a payment, much less missed a payment or been delinquent in any way.

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 10/25/2017 about Vehicle loan or lease (Lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (OH).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint: About 6 months ago I received a phone call from this company stating that if I was to test drive a new vehicle and purchase the vehicle I was let out of my lease early and to my chagrin I accepted the offer only to be made a fool of from the dealership. 
I had two different car companies in the past make good on similar situation and I was no stranger to the phone call. I made a complaint with them and I was told sorry for the phone call and I was not going to be made whole on the issue on hand and I was told to make my payments current or else. 
I do have financial hardship and I really thought they were going to help me. My fault I guess for thinking Nissan really cared about me whenever they ask about my  hardship however all I hear now is ooh too bad, pay up will ya. Now the dealership just closed the doors without any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (DE).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I filed for bankruptcy. In speaking with my attorney, he advised me to stop automatic payment withdrawals on all credit cards which I did. I cancelled my Wells Fargo XXXX account three times since XX/XX/XXXX. I have emails to show the cancellations. The withdrawals still came out. This last time the withdrawal caused my account to go negative. I called them to complain about the situation that they have now taken approximately {$400.00} out of my account that was not authorized. They spoke to me as if I was uneducated and said I must not be cancelling it correctly yet I have emails showing the cancellation should have been completed. They told me I was re enrolling which I most certainly did not as I was following my attorney 's advice. I will now have to open a dispute with my bank since the charge came through. I just think this is very unfair since I cancelled the automatic payment withdrawals.

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 10/19/2017 about Debt collection (Other debt) with Coast to Coast Financial Solutions, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Coast To Coast Financial Solutions sent a collection notice on XX/XX/XXXX for a collection of a debt that was credited on XX/XX/XXXX. After contacting Coast To Coast Financial Solutions ( today XX/XX/XXXX ) about the debt owed was {$310.00}. I called XXXX XXXX and they confirmed the debt was credited. I called Coast To Coast Financial Solutions back 30 minutes later and the amount owed changed to {$320.00}. The representative explained it was more interest due!

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 04-10-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed the account with XXXX numerous times and it keeps coming back as verified but nothing is being sent to me to validate the actual debt is mines. They keep updating my report but not showing the correct proof to prove why they are updating it state as such.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Payday loan () with CNG FINANCIAL CORPORATION (MO).
Issue: Can't stop charges to bank account

Complaint: Check N Go continuously withdrawals from my account without permission

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Credit card () with JPMORGAN CHASE & CO. (DE).
Issue: Billing disputes

Complaint: I PURCHASED A TICKET FOR XXXX/XXXX/2016 XXXX XXXX FLIGHT XXXX TO XXXX XXXX, IT WAS CANCELLED AND XXXX REBOOKED ME ON XXXX FLIGHT XXXX TO XXXX XXXX. I ORIGINALLY BOOKED XXXX TO AVOID BAGGAGE FEES WITH MY XXXX CREDIT CARD. I INCURRED {$50.00} IN FEES WITH XXXX. XXXX INFORMED ME I NEED TO CONTACT MY XXXX CREDIT CARD FOR REIMBURSEMENT. THE FORM CAN NOT BE COMPLETED ONLINE BECAUSE OF THE XXXX TICKET NUMBER. I SUBMITTED A FEEDBACK REQUEST FROM XXXX ON XXXX/XXXX/16 CASE ID XXXX AND HAVE RECEIVED NO FOLLOW UP. WHEN I CALL THEY CONNECT ME UNTIL THEY CANT CONNECT ME ANYMORE OR THE PHONE DISCONNECTS.

Company response to consumer: Closed with monetary relief