milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2017 about Debt collection (I do not know) with WELLS FARGO & COMPANY (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: call came in XXXX from Wells Fargo at XXXX XXXX from the number XXXX. Received another same day same company with same number at XXXX XXXX. Another with all same information above but at XXXX XXXX. Another at XXXX XXXX. The next day XXXX all same info but time is XXXX XXXX. Another came at XXXX XXXX. Another at XXXX XXXX. Another at XXXX XXXX. On XXXX all same info but time is XXXX XXXX another at XXXX. I have tried to call and only get a recording stating they are trying to collect a debt. I do not have a loan with them or owe money to them because I have never dealt with them. I have registered this number with Do No Call and am still getting this calls from this time. I am cooking things for XXXX and do not like to be interrupted throughout the day while trying to get some cooking done. Also do not appreciate running to the phone thinking it is a call I want only to be Wells Fargo once again. They have called before XXXX XXXX and after XXXX XXXX but do not have those records. Please help me this has to stop. I have not received anything in the mail from Wells Fargo either. Please help me make this stop. It is on going day after day after day after day after day for 1 1/2 year now.

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 01/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My daughter attended what used to be XXXX and graduated. I took out Parent Plus Loans to pay for her education, with the intention that she would take out a loan after graduation, pay back the PPLs but that never happened. She got married, had XXXX children and I became XXXX enough that I could n't do my former job. In addition, I 'm now XXXX years old and would be hard pressed to resume work. I 've had XXXX and I 'm very XXXX. I have had many interactions with XXXX/Navigant with quite a bit of pleading on my part to put me on Income Based Replacement or Income Contingent Loans. I have applied for both of these but have been refused and given only the option of forbearance, which as you probably know, puts you out of jeopardy with your creditors but the interest continues to accrue. My original loan that was under {$100000.00} has now blossomed into a loan well over {$200000.00}. I think about this every single day. It has put a strain on my marriage, my credit, my relationship with my daughter and ultimately, my ongoing health issues. Please help me and all of the folks in a similar situation. We are all desperate.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I currently have a DISCOVER CARD which authorized 2 charges which put me over my credit limit by {$1200.00} and then negatively reported me to the three major credit monitoring companies. 

They authorized a charge for {$5600.00} on XX/XX/XXXX which was {$110000.00} over my credit limit and also authorized a charge for {$140.00} on XX/XX/XXXX. If I was already over my limit on XX/XX/XXXX why would they continue to authority another charge. 

I also do credit monitoring with Discover and I was surprise to see that Discover negatively reported me for going over my credit limit. I immediately called them and was told there was nothing that could be done about it. How can they allow you to go over and then report for doing so. Are they so hungry for you to use their card that they would allow you to go over by a substantial amount and not inform you or deny the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Payday loan, title loan, or personal loan (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Struggling to pay your loan

Complaint: Today I spoke with a XXXX that was representing ACE Cash express and wanted to pay on what I owe in installments. I was told no unless I can pay it in full. Then was threatened to be sued. Also I have not received any validation of debt or any paperwork from them for that matter. All of a sudden a get a phone call from a private number with a threatening voicemail from XXXX whom was representing ACE CASH EXPRESS. I believe I am being bullied and what I can pay monthly is not being accepted even though they have not provided me validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documentation that their company has on file that was used to verify my accounts that I have disputed. Being that they have gone past the 30 day mark and can not verify the accounts in question, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you for your attention to this matter.

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 11-05-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I submitted an online application for a Capitol One Credit Cardone week ago. I received my approval within minutes. I thenreceived a phone call from the Fraud Detection Department. 
As well as a follow up letter saying that New Documentationwas needed to verify my identity due to suspected identity theft. 
I ask what this was regarding and received no response. I thenagreed to submit a copy of my drivers license front and back aswell as bank statements and other proof of residence. I spoketo a supervisor on XXXX XXXX at Capitol One that informed methat no other documentation will be required and it would takebusiness days to resolve this issue. I received the cards but wasinformed that account was on hold. I have been receivingphone calls and emails from Capitol One asking me to resendthe same documents over and over again and was told XX/XX/XXXXmy cards would be restricted until I send documents for 4thtime. I ask to please tell me what the circumstances werethat brought this matter up. No response. Capitol Onerefuses to activate my cards. they are harassing me via calls aand email. I want answers.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: XXXX refuses to investigate credit inquiries not authorized by me these credit inquiries are lowering my score and XXXX refuses to investigate, stating that inquires are a matter of factual data XXXX states that creditors have the right to view my credit without my authorization and affect my credit score and  there is nothing I can do about it

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 12/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I got behind in my mortgage and sold the house on a short sale in XXXX 2016. Prior to the closing, in XXXX 2016, a tree fell on the roof and damaged the house. I called the homeowners insurance agent, and the agent came out and assessed the damage. The homeowners insurance gave me a list of contractor from which I chose a contractor to complete the repairs. The homeowners insurance cut a check, made out to the contractor, US Bank, the mortgage company, and me. I endorsed the check and gave it to the contractor. The contractor sent it to US Bank to be held until the repairs were completed. In the meantime, the short sale was finalized. The repairs were not quite done at the time of closing, so I got the approval of the contractor, the insurance agent, and the buyer to close. All agreed since the insurance company had already provided the proceeds for the contractor. The short sale was closed and the settlement statement was sent to the insurance agent to ensure that the mortgage had been paid. However, once the contractor completed the repairs, about two weeks later, the contractor was unable to get the funds from US Bank. US Bank applied the money earmarked for the contractor to principle even though they were paid out of closing the money they agreed to on the short sale. I called the claims department at US Bank. They told me they were instructed to do so by the default department. I spoke to the default department, and they told me that the mortgage assistance department was the department that instructed. I spoke to the mortgage assistance department, and they told me that I would have to speak with the claims department. No one there understands why the funds that were earmarked for the contractor were applied to principle, but I ca n't get anyone to take responsibility and reverse the error. In the meantime, the contractor has not been paid and is looking to me to make the payment. I ca n't afford such a payment. That is why I had homeowners insurance. I would like US Bank to pay the contractor the funds that were sent to them that were earmarked for the repairs to the property. I filed the claim correctly and did followed all the procedures required by the insurance company and the mortgage company. I would have preferred giving the funds directly to the contractors, but was told that the US Bank had to be included on the check. Now they have acted dishonestly and will not correct the problem.

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 06-09-2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: During the 2009 - tax year - The Internal Revenue Service file a lien - However the filling of the lien was an error by the IRS officer - to make matters worse the IRS office let our case pending without proper resolution - The IRS office left the IRS for different position Now I have record of lien being filed for the last 5 years without being moved from my credit report - First : We did paid our taxes on time Second : Since the lien was filled it was never removed from our credit report it has affected my personal credit for that last 6 years - I have contacted the credit agencies with no luck - I would like this negative credit reporting to be removed from our record

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 12/21/2017 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 information incorrect

Complaint: Equifax has a charge off showing on my credit file on my XXXX XXXX account and there was no charge off Equifax had an outstanding amount showing now its a charge off showing and there was no charge off by XXXX XXXX I have provided a letter from XXXX XXXX once again its like Equifax wants to delete or update things one step by one step. I 'm also filing a FTC complaint to Equifax issues and wrong information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (OK).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Purchased item from Retailer on XX/XX/XXXX that was part of a " Equal Payment No Interest '' promotion period of 48 months along with an exchange program. We exercised the exchange program with the Retailer and paid difference for replacement item on XX/XX/XXXX. Item was to continue as if same original transaction and be on the " Equal Payment No Interest '' promotion period of 48 months with Store Credit Card ( Synchrony Bank ). Statement indicated a " Deferred Interest/No Interest If Paid In Full '' for 19 months for this cost difference transaction. Retailer insists it " coded '' the transaction correctly - should have gone to Store Credit Card Company as 48 month promotion. Store Credit Card Company insists it was coded as 19 month promotion when they received it. 
Vi telephone on XX/XX/XXXX, Store Credit Card acknowledge that Retailer issued notice to them on XX/XX/XXXX indicating the transaction should be 48 month promotion. Store Credit Card Company also indicated that the corrected statement would not reflect change for 2 months and I would be required to pay minimum balance or be accessed a Late Fee. 
I am being required to pay an additional amount for the two months while the correction catches up with the paperwork. Additionally, I will not be given the credit of this over-payment in subsequent billings - my future billings once the correction kicks in will be the original equal payment over 48 months, i.e. if my promotional transaction was 4 equal payments of {$25.00} totaling {$100.00} and I was required to pay an incorrect minimum of {$30.00} for payment 1, my remaining 3 payments would be {$25.00}, {$25.00}, and {$15.00} respectively. 
The initial customer service rep understood the error and attempted to correct the minimum payment requirement, but was unable to do so due to his access rights. The subsequent Account Supervisor/Managers I spoke to were condescendingly belligerent and argumentative ( both the company and I recorded the calls ). They argued that if I did not make the " Minimum monthly payment '' I would be charged a late Fee. I purported that, due to the fact the account was in error and their acknowledgement of such, the minimum should be the transaction amount divided by the number of months per the terms. They continued to argue that the terms indicate that I was required to pay the late fee regardless of any error until the error was corrected.

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 07/18/2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My loan originated with XXXX, it 's a VA loan. Never was I told that this loan, which is a fixed rate loan, could be arbitrarily changed to increase my payments. I agreed to {$1000.00} per month because that 's what I CAN AFFORD! I never agreed or was told that it could change at the hands and will of XXXX or Wells Fargo who bought the loan off XXXX. Wells Fargo has illegally changed the scope of my contract by increasing, mishandling payments and taking payments from my account that were not authorized. I am now paying $ XXXX per month despite having made extra payments on top of the automated payments over the past year. I got my mortgage in XXXX 2014, in the little over a year Wells Fargo has taken advantage of, increased payments and changed the loan agreement without my permission or knowledge. This was never something anyone told me they could do ... I have made several complaints and know demand the account be audited by an outside organization that caters to veterans. Am again fed up with this and feel even the CFPB does little to help. If this does not get sorted and my mortgage back to the original monthly amount I will file a complaint with Veterans Affairs, contact my Congressman and Senators until it is resolved to my satisfaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I recently pulled a copy of my credit report on-line and found that XXXX XXXX XXXX XXXX is reporting the following inaccurate information in my file that is negatively affecting my credit score and life : 60 day late payment I have continuously made payments on this credit card and have brought this to their attention. Payments above the minimum have been paid on-time on a monthly basis and have never been late. 

I understand that per the Fair Credit Reporting Act, they are required to notify me of their investigation results within 30 days but they have not. Additionally, they are required to readjust this but XXXX XXXX XXXX XXXX has not despite my on time payments and evidence showing them that my payments have been made on time. 

I look forward to XXXX XXXX XXXX accurately updating my credit information with all three credit bureaus in order for my credit report to accurately reflect my on-time payments. 

Thanking you in advance.

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 08/30/2015 about Mortgage (Conventional fixed mortgage) with DISCOVER BANK (GA).
Issue: Application, originator, mortgage broker

Complaint: My wife and I were looking to refinance our home. We contacted a gentleman named XXXX XXXX whom we were under the impression he worked with discover home loans. In the first conversation with XXXX we had our credit ran and it all seemed to be going well, we also paid a {$400.00} appraisal fee. Towards the end of the conversation XXXX mentioned that discover was intact merging with XXXX. I was alittle upset because we originally wanted to go through Discover bit figured it would be okay since it was a supposed merger. XXXX informed us that there would be a block out period for about a week for the merger to take place. About 3 weeks after that I received a package in the mail which contained a copy of my credit report and my new login information. I was confused. I checked my credit and found that XXXX ran my credit in addition to Discover. I called XXXX from originally discover and he claimed that the pull was a soft hit when in fact it was a hard pull. I could n't understand why a company that had supposedly merged would pull my credit XXXX. I contacted a representative from discover whom infact told me that they DID NOT MERGE WITH XXXX, but that XXXX bought out discover home loans that were over {$100000.00}. Now I did n't even have a mortgage loan with discover and I originally wanted to work with discover but at no point in our first conversation did XXXX XXXX mention that discover no longer offered loans over a certain amount and he did n't mention the fact that XXXX bought EXISTING DISCOVER LOANS. The representative I spoke with at discover told me that what she thinks XXXX XXXX did was run my credit and took me with him to XXXX. I am very upset because I was n't told the correct information. I was lead to believe that it was a company merger when infact it was n't. I understand that XXXX bought existing discover mortgages, but I was n't a discover mortgage holder. I was mislead. Armed with all this new found information I contacted XXXX and my number was automatically directed to XXXX XXXX. So I called from a different phone number and spoke to a representative and asked for XXXX XXXX supervisor. I was told that I would return a follow up call from XXXX of the supervisors and I have n't heard anything from anyone since then. Now I did a refinance with a company that I DID NOT WANT TO DO BUSINESS WITH because I was mislead and I did not want another hit on my credit and almost 2 months later I still have n't closed. I 'm beyond XXXX for the fact that I was told incorrect just down right wrong information..I was taken advantage of and I 'm very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Debt collection (Credit card) with DISCOVER BANK (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: they garnish wages without letting me know send to old address and my employment knew my address is my ex address I cant believe what they did I have XXXX XXXX taking XXXX % of my pay my XXXX is XXXX because i have to work over time I called them and they still taking it out it was open back in the year 2000 i need help

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had an account with XXXX and did a Change of Financial Responsibility and the company is attempting to collect a debt. 
They have sent me to a 3rd party debt collector after receipt of my request for verification and validation. 
A debt is a financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (I do not know) with Harris & Harris, Ltd. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Harris & Harris makes repeated phone call daily to my cell phone : XXXX phone calls on XX/XX/2017, XXXX phone calls on XX/XX/2017, XXXX phone calls on XX/XX/2017, XXXX phone calls on XX/XX/2017

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : NAVY FCU Account # : XXXX I was never late 30 days in the month of XXXX 2017. I  have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is that there was a billing error with my statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation