milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2015 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I found today Experian had charged my credit card for " Experian *ProtectMyID XXXX CA {$39.00} '' I did not sign up for this service ; I already subscribe too XXXX XXXX, and credit monitoring service who guarantees XXXX dollars if your identity is stolen and your credit has been used and they do n't alert you. 
Well my identity has been stolen and if XXXX and XXXX credit reports look like Experian 's treatise XXXX pages front and back report along with XXXX financial company inquiries I 'm really going to be toast but I digress. 
I contacted Experian this morning and they will not cancel this service until XXXX, 2016 I have no idea why this a magic date but that 's what the customer service representative said. 
I would like the unknown service stopped and my money return to my credit card prior too XXXX, 2016.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: Please note that I entered a agreement with Wells Fargo Bank Cash Back Signature Card.in XX/XX/XXXX 1year 6 months ago regarding a credit card visa ending in XXXX which is now closed in the amount of {$120.00} per month. I have paid consistently even in the month of XX/XX/XXXX. I noticed today TuesdayXX/XX/2017 that I did not receive my XX/XX/XXXX statement. I went to the Wells Fargo Bank branch located at XXXX XXXX XXXX, XXXX, CA XXXX   XX/XX/XXXX I spoke with the Wells Fargo Bank teller XXXX of Wells Fargo Bank told me that my bill for the month of XXXX was {$280.00} instead of {$120.00}. I told XXXX that my monthly bill is {$120.00} per months he advised me to contact the credit department

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 03/15/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AL).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: In 2008 my daughter was a XXXX at XXXX XXXX. I received a call from the school asking if I would cosign a note for her tuition. I did cosign. I did not receive any paperwork. I understood the loan was approximately {$20000.00}. I was told that if I made all the payments for XXXX years, the loan would be put in my daughter 's name and she would have a lower interest rate than I would. At the end of XXXX end of XXXX years XXXX XXXX denied having told me that, Several years later while paying $ XXXX month, I learned I had XXXX loans totaling {$49000.00}. Only in the last XXXX weeks did I learn how the loan escalated from {$20000.00} to {$49000.00}. The note apparently allowed the school to receive additional funds as it saw fit. 
Last week I was told I owed {$400.00} in interest and {$49000.00} in principle, All my payments for the last XXXX years have been applied to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Other

Complaint: Received threatening voicemail from a XXXX XXXX from XXXX XXXX XXXX stating she would be going to my place of work ( within the hour ), if I was n't available, she would find out from someone when I would be, then she would be going to my home, and then to a relatives home. I called them back. They would not tell me anything until I verified the last XXXX digits of my ss number. ( She stated ( " it is public information anyway " ) I did so I could get info. Said I had an outstanding debt with Citibank. Offered me 3 options or court. I told them court. She told me " Good luck ''. I then called CFPB and spoke to XXXX who instructed me to call Citibank and verify their credit debt collector. I called Citibank and spoke to XXXX who after researching my ss number found I had never had an account with them and also verified that they do not use XXXX XXXX XXXX. Called CFPB back and spoke to XXXX who instructed me to file complaint.

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 01/31/2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (VA).
Issue: Settlement process and costs

Complaint: I completed a Loan Modification in XXXX XXXX that was due back on XXXX/XXXX/XXXX. I did not receive the documents in time so that they would be received at Caliber by XXXX/XXXX/XXXX so I called and spoke to XXXX and he advised to send the documents back and they would still accept them. On XXXX/XXXX/XXXX I sent the executed documents along with the first modified payment in the amount of {$760.00}. I called on XXXX/XXXX/XXXX to make my XXXX XXXX payment and was told by XXXX that my property was in Foreclosure and the payment could not be accepted. The XXXX payment was accepted and posted to my loan but they claimed to never have received the Modification documents which was sent back with the payment that was posted. I also have the tracking information showing that the documents were received and signed for by XXXX XXXX on XXXX/XXXX/XXXX at XXXX. 
On XXXX/XXXX/XXXX, I received a letter from the Foreclosure attorneys advising that there was a sale date scheduled for XXXX/XXXX/XXXX and I have been calling Caliber everyday since and no one will help me to reach a resolution. Finally, I was told that they were going to send out another set of documents and that they would need to be received back Thursday, XXXX/XXXX/XXXX. I never received any documents and I continued to call and finally Caliber agreed to email the documents to me so I could print them off and return them. I received the documents Thursday at XXXX, and overnighted the documents back to Caliber ( at my expense ). I have confirmation that the documents were received at Caliber on XXXX/XXXX/XXXX at XXXX and signed for by XXXX XXXX XXXX Again I have been calling several times a day and anyone that I have talked to says nothing has been processed and it was too late to stop the Foreclosure sale. I also contacted the Foreclosure attorneys today and they said that they received a message from Caliber stating the documents were received and in the process of being reviewed but only Caliber can stop the sale for tomorrow which they have not.Throughout this process, I was never contacted and advised that the documents were not received or that I was in Foreclosure. If my loan was already in Foreclosure, how was the payment that I sent in XXXX posted to my loan and yet the Foreclosure continued? Why is Caliber not even trying to correct their mistake when I have proof that the documents and payment was received?

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Debt collection (Mortgage) with I.Q. DATA INTERNATIONAL, INC. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: My roommate and I lived at XXXX XXXX XXXX for 13 months. We did everything according to the lease, paid rent before or by the first, put in the 60 day notice, cleaned the unit and moved out early ( we were to be out by XXXX XXXX ). On XXXX XXXX, I gave them my keys and family address in XXXX to forward any correspondence following the move. I also gave them the two week period before calling the apartment complex twice on XXXX XXXX, 2016. I spoke to a lady in the office she was not only confused as to the move-out situation for my apartment but was also disorganized as usual ; she could not tell me anything and was unsure as to why no one received any correspondence from the apartment complex, then stated she would have the manager, XXXX contact me immediately. My old roommate and I have yet to receive a phone call from the manager of the complex, nor have we received any mail following the move. With that being said I would assume we have paid in full-we also did not receive the security deposit back either. 

I have pictures and videos of the unit following moving out and it was left in good conditions. I was unable to stay behind for the final walk through but I believe my roommate may have been. 

Today, XXXX XXXX, 2016, I received a fraudulent letter from I.Q. Data International , Inc. stating I had an outstanding debt with XXXX XXXX XXXX for {$82.00}. The letter states it was to follow up on the move out report sent before continuing with collection activity. Again, not only have I contacted the apartment complex, XXXX XXXX, I have not received one letter from them regarding the security deposit or a debt owed ; I also have not received a return telephone call from the Manager of the apartment complex. I have excellent credit and the people who work for this complex are not only dishonest and untrustworthy but they have falsely threatened on numerous occasions to send us to collections when we have paid our debts and paid on time. We have had enough of the abuse!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I NEEDED HELP WITH MY MORTGAGE PAYMENT. I APPLIED FOR ASSISTANCE IN XXXX XXXX. NO WRITTEN DECISION HAS BEEN ISSUED BY MY SERVICER, NATIONSTAR. INSTEAD THEY HAVE SCHEDULED A FORECLOSURE SALE FOR XXXX/XXXX/XXXX. AFTER SEVERAL MONTHS OF REVIEWING MY FILE THEY MAKE THE CLAIM THAT THEY ARE MISSING PAGES XXXX OF THE REQUEST FOR MORTGAGE ASSISTANCE APPLICATION. NATIONSTAR IS EITHER AN EXTREMELY SLOW READER OR THEY HAVE NO REAL INTENTION OF PROCESSING MORTGAGE ASSISTANCE REQUESTS.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian sent me a letter, in response to my certified letter of dispute, claiming that my letter was suspicious and being disregarded, and that they were contacting law enforcement. When I called and told them it was not suspicious, they asked for my credit report number or SS # as verification. I gave them the credit report number from the credit report I had received from them, which was also included in my letter, which they deemed suspicious. I said I have the post office certified receipt, and could send a copy of that as proof. The representative on the phone told me if I sent more letters, they would also be deemed suspicious, and not acted upon, and I would simply receive more letters like the one I received today, stating that my letter was suspicious.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: This is dating back XXXX when my home went to foreclosure since then I have attempted to modify my mortgage. Here we are in XXXX and still in this process I have exhausted all my options. Even though back in XXXX I was granted a trial modification that was approved and was instructed to pay for 3 months consecutively and my payments would become permanent. Well that did not happen, file bankruptcy based on counsel to see if modification would be approved and that did not happen. I would like to know do I have a legal right to pursue legal action and sue? Based on the financial institution accepting the assistance from the government/and violating DODD FRANK and HAMP PROGRAMS and not complying and actual assisting the consumers, because I am pretty sure I am not the only one in this situation. I spent thousands of dollars through this ordeal with attorneys where I could have been in a modification program to keep my home. In addition I accepted a short sale and to date two offers have been presented and bank has not responded. I am filing this complaint and will pursue them to the fullest,

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 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. XXXX 's is reporting an address that I have never lived at which is XXXX XXXX XXXX XXXX XXXX, Ga XXXX. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report to the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. XXXX XXXX was removed from 2 of the credit bureaus, but it remains on Equifax. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (SD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Wells Fargo repossessed my vehicle 6 years ago while the payment was in their hands, I put a stop payment on the check as they did attempt to cash it. They called my insurance company and said I had been in an accident with it, untrue, and tried to file a claim. I soon settled the debt. 5 years later the loan showed up on my credit report as open. I 've paid high interest rates ever since.

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 01/17/2017 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Rewards

Complaint: I open up a credit card with banana republic, which they offered a promotion where your received a {$30.00} dollar award if you make a purchase outside of Banana republic family of brands, which I did. I called up to find out why I did not received the award they stated : they do not do that even though I have documents that show they do.

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 05/14/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: THIS DISPUTE WAS PAID TO THE ORIGNAL ACCOUNT HOLDERGE CAPITAL RETAIL BANK {$350.00}. THE ISSUE WITH THIS IS NEITHER PORTFOLIO RECOVERY NOR GE CAPITAL WILL RESPOND. I EVEN SENT AND FAXED A COPY FROM MY BANKTHAT IT CLEARED TO XXXX THIS ACCOUNT IS PAIDED IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Medical debt) with NCC Business Services, Inc. (VA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I received a voicemail asking me to return a call, which I did. The person I spoke to told me that I owed outstanding hospital bills. Part of the bills have been paid and I am waiting for a settlement in the case to pay of the remaining XXXX expenses. My lawyer has been in contact with the hospital. 

The debt collector became very hostile and abusive as I tried to explain this and kept insisting that I had to pay. I ended the call because it was very upsetting to be yelled at. 

NCC Business Services is the name of the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Debt collection (Medical debt) with Account Services Collections, Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent a letter to account services regarding account XXXX asking for verification and validation of this account. I was notified that it was verified without any proof of documents in original form with my signature. and no proof of a fair and thorough investigation.

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 10/25/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Credit decision / Underwriting

Complaint: Mortgage company Seterus has not reported my mortgage payments to any of the credit agencies. XXXX XXXX XXXX sold the loan to Seterus XX/XX/XXXX right in the middle of me refinancing and I have not been able to refinance because Seterus has not reported anything to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX XXXX was trying to collect on an old Wachovia card that has been over seven years and taken off my record. He called a cell phone and I told him that was inappropriate because I was in the middle of work and that was an automatic fine for not asking if I was able to talk. I told him it had been 7 years and the company should have given the IRS a forgiveness of debt so I could pay the taxes on it. He just kept on repeating that I was a deadbeat and why did n't I pay my credit card. I told him that an attorney will be following up with 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 non-monetary relief
Consumer complaint received 04-06-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (KS).
Issue: Loan servicing, payments, escrow account

Complaint: I have been making my mortgage payments to Select Portfolio Servicing ( SPS ) on time, and often, ahead of time. My job requires me to travel to different locations for an extended period of time. I will pay the SPS mortgage payments ahead of time. It is not my intent to pay down the principal ahead of the amortization schedule. 
For example, I pay the Month 1, Month 2 and Month 3 payments in the same envelope with three different check. Each check is clearly marked with the month and year that it is to be applied. One will have Month 1, Month 2 and Month 3 dates on each check. SPS will receive the checks and process the Month 1 payment and then apply Month 2 and Month 3 to principal. SPS does this even though the checks and mortgage payment stub are clearly marked! 

I will have to call several times for SPS to correct each error. The payment stub is clearly marked that the payments are for three separate months. In some cases, it is for two months. This is not an isolated incident. This is their standard practice. I called multiple times and the customer service person assured me that they will mark my account to reflect the problem and it wo n't happen again. It happens again and again. 

One alternative is to do ACH debit. I do not trust SPS with an authorization to debit my personal bank. I have no idea how they will use the information. With so many problems with billing, they may take more than required due to an " innocent administrative error ''. 

I am requesting the CFPB intercede here and audit the payment application practices of SPS. I can log on while on the XXXX and see the status of my account. Then I have to call in and complain. I will wait a few weeks and they will fix it. Please see the attached letter from SPS that details the dates this happened. They code it as " Principal Only Payment/Curtail payment ''. The dates are : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX XXXX. 
I pay attention to my statement and also have an XXXX degree in XXXX. I can spot this error. How many innocent people have had to pay late fees because of " administrative errors ''?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX. This has been longer than usual and my dispute has been over looked and Im very disappointed in how your system is made to fail and it is purposely done to ignore that you are the cause of my problem and Im not afraid to sue you in court for damaging my credit file. Youve leaked my information and caused my personal information to be seen by millions and now my file is damaged badly. Yes your company is the one to blame for this situation my file has been used more than a few times and Im tired of it. I will be suing for damages of the total accounts listed in the attachment area. I am unaware of the accounts and they need to be removed immediately following your investigation. I will be following up in less than a week and if it isnt removed I will be forced to go down to the XXXX XXXX XXXX XXXX House to file a lawsuit, contact the FTC, and place your company public record online of how you falsely mistreat consumers by placing inaccurate account for money.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Auto debt) with Bridgecrest Acceptance Corporation (AZ).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Bridgecrest called m y cellphone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and   left a message.
Bridgecrest called my c  ellphone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and left a message.    Bridgecrest called  my cellphone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and left a message.    Bridgecrest called my cellp hone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and left a message.    Bridgecrest called  my cellphone on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   AZ time and left a message.     I have the messages saved on my cellphone. None of the messages were for 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