milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-04-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a home equity line of credit with Well Fargo. I have had this loan for a long time. The total line of credit is XXXX. My outstanding balance is XXXX. Wells Fargo 's monthly payment request is for XXXX. I have been paying XXXX each month for a long time, so I can pay down the loan more quickly. There are some months I skip a payment, but because of my usual monthly higher payment, that has never been a problem. I skipped the XXXX 2015 payment, and now I am being charged a XXXX finance charge, despite the fact that I am ahead on my payments. I do not think this is fair to me. Also, I have been notified that my account is " restricted '', due to this skipped payment. Again, I feel this is not fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit card () with DISCOVER BANK (NC).
Issue: Credit card protection / Debt protection

Complaint: XXXX XXXX XXXX of the company, XXXX XXXX XXXX XXXX, XXXX called me in an attempt to collect on a very old debt. He told me I opened a Discover card acct. XX/XX/XXXX and I owed over {$20000.00}, but that they were willing to accept a settlement of {$1500.00} and then attempted to get a card number from me. He could not verify where I was at XX/XX/XXXX, which made me suspicious. I also asked him if he could send a letter of assurance to my email detailing that the {$1500.00} would indeed completely settle this debt and he declined, saying he would send a receipt after receiving the funds. I then asked for an XXXX to see what I could learn and possibly verify any of these details and he agreed, giving me his name and number. I looked at the XXXX where I saw a complaint where someone had given a card number to settle a debt and this XXXX was continuing to hit his card. I read more at various sites and was assured that this XXXX XXXX was indeed scammers. Way less than an hour had passed when I called them back and informed him I would not give him anything and to remove my number from his calling list. He then proceeded to threaten me with some kind of court action so I hung up. They do have my phone number, social security number and current address and it does make me nervous. I had already decided that I would not give these people any card or bank information, so in that, I feel relatively safe. It is my hope that they will not continue to pursue me in attempts to collect on what I had learned is a time-barred debt. I actually had my purse stolen back in the XX/XX/XXXX 's and was XXXX over the next years and was unaware of what was happening until now.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Mortgage (Conventional fixed mortgage) with Comerica (NC).
Issue: Loan servicing, payments, escrow account

Complaint: We sold our house in the XXXX XXXX last week and moved to a home in XXXX where we want to use the proceeds of the XXXX area mortgage to pay off for a mortgage here in XXXX. The bank involved on the payoff mortgage for our present home mortgage has no offices XXXX area. Because of that they have stated that we must come in person to payoff this mortgage requiring a XXXX mile round trip. We want to pay off the mortgage without making this trip! Is this possible? The bank is Comerica.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I was in XXXX relationship and got out XX/XX/XXXX. I found out two weeks ago my ex, filed Bankruptcy Charter XXXX. I am and was not on this Bankruptcy. I do not want this to reflect on me, because I do n't think that would be fair for me. I would like to find out if it is on my credit report so it can get remove. Please help me. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I contacted Navinet to gain advisement for the repayment options of the current standing of my loan. I have made my payments faithfully since the original date of XXXX XXXX. Please note my intention is only to resolve my debts. 

My last payment of XXXX was made on XXXX XXXX XXXX. Shortly before that payment was automatically withdrawn I was contacted stating that my loan amount would be increased to 2 % which is beyond what I can afford at this time. 

I was told it was the only option I had and therefore no payment has been set up for XX/XX/XXXX or XXXX XXXX. 

During my call to try to resolve this matter, a supervisior proceed to question " what am I doing to change my situation '' asking have I considered getting another job or a Roommate which left me feeling very challenged as a responsible individual only wishing to gain a resolution to my dilemma. I currently work for the XXXX XXXX XXXX as a XXXX beyond my contracted hours daily at a minimum of 10 hours per day to receive overtime to make a living and to satisfy my living expenses. One would presume that years of service would entitle them to financial increase year to year, however in my case that has not happened yet. I felt that the supervisors questions were very inappropriate given the information I had just given him regarding my current situation. 

Ultimately was simply reaching out to gain some support to address this matter. I asvised them I am able to continue on the 1 % repayment program totaling into {$210.00} per month, however to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Equifax XXXX XXXX XXXX, GA XXXX XXXX Account Number Num : Balance {$220.00} Sir or Madam, I am writing in regards account XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Mortgage (FHA mortgage) with AMERISAVE MORTGAGE CORPORATION (TX).
Issue: Credit decision / Underwriting

Complaint: Hi - This is in regards to a possible ECOA, Regulation B, and UDAAP violation with Amerisave Mortgage. I have applied for a mortgage loan in XXXX 2016 and was pre-approved. I spoke to the loan officer and he told me to submit certain loan documents to be submitted to the underwriters. I submitted all documents as requested and received a phone call to submit my drivers license. I submitted my drivers license XXXX/XXXX/2016. I emailed the loan officer back and told him it was submitted. I have no heard from the loan officer since then. My credit is not the greatest or not the worst, it is in between and my DTI was a little high but I was within the FHA guidelines, per the loan officer. A month later today XXXX/XXXX/2016, I called the loan officer and asked him why I have not heard from him a little over a month. He stated that I was n't 'pre-qualify. ' But my loan status/application said I was pre-approved. He did specified when I first applied for the loan that in order to get pre-qualify, he will need to send the following documents i submitted to underwriting. However, I have not heard from him. ' I told him that it should be his responsibility to contact me and to tell me where my loan status is at. I felt as if I was mistreated, misleaded with my application and loan status maybe because my credit was n't the best and he did not want to work on my loan but would rather work on loan applications that has the best credit so he can get his incentives. I understand this, but I should not be mistreated due to my credit or even income. I should be treated the same as the person who has XXXX credit this is call 'FAIR LENDING. ' I feel that this is a violation of ECOA, Regulation B, UDAAP, and fair lending. All customers should be treated equal when it comes to credit applications. I understand the sale incentives, there should be some type of oversight within the team members to ensure that they are treating all customers equally. I plan on filing a lawsuit. 

Company : Amerisave Mortgage

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 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XX/XX/XXXX : A letter/dispute was sent to all 3 credit bureaus requesting removal of discharged bankruptcy for failure to validate and provide proof of individuals where information was given from because US Bankruptcy Courts advised in writing that they do not provide information to Credit Reporting Agencies.

XX/XX/XXXX : A letter in writing was sent requesting deletion/removal of this account, to no avail. I received a follow-up stating verified, no change ; with no validation or verifiable proof.

XX/XX/XXXX : A phone call was place by myself, the consumer and I spoke with a CSR and Supervisor, who both advised me that they were not able to remove/delete this negative remark from my credit report because of FCRA states up to 10 year law, but could not provide me with information of how they were able to validate this information as requested in previous mailings. I also explained to them that it was not listed on another one of my credit reports and I could furnish a copy and that meant nothing

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 07-07-2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: I had charged an item on my Macy 's card to get a discount. I then paid off the bill right away. A few months later I returned it never used, with the receipt. I then requested that when the credit posted to issue me a refund check. About XXXX months after I received the refund check I started getting calls from Macy 's telling me that they gave me too much money back on my refund, and that I owe them. It took so long for them to get my money back to me that I had no idea what I was owed back. I have spoken with Macy 's over XXXX times and can not get any resolution. I have most recently spoken with credit card supervisor XXXX XXXX at XXXX. She told me about a month ago that she would put research into it, and return my call. I have contacted her back and left voicemails and have not heard back from her since.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-04-2017 about Debt collection (Credit card) with Global Credit & Collection Corporation (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I called global to report this account as Id theft and they say they have to xfer me to a supervisor in order to validate my complaint and when the xfer me I only get they sup voice mail box. I do n't have time for that. The need to process my complaint now

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: The court document filed by the Attorney for the Plaintiff filed a Satisfaction of Judgement on XXXX XXXX, 2010. 

The attorney directed the Court to release, discharge and fully satisfy the final judgement and direct the Clerk of the Court to CANCEL THE JUDGEMENT OF RECORD. 
To cancel is to withdraw the Judgment of Record. 
I forwarded copy of the document to Equifax to DELETE THE public record from my credit file and they refused per their confirmation # XXXX, Dated XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TN).
Issue: Settlement process and costs

Complaint: This is yet another complaint in a series of many I have filed against Select Portfolio Services : I exercised my right of rescission on a cash out refinance that SPS tried to call a simple modification ... my basis was I was never given any RESPA documents ( HUD 1, TIL, right of rescission, etc ) so therefore my right to rescind was 3 years. In Case # XXXX SPS acknowledged that XXXX XXXX ( the original lender ) paid off my XXXX mortgage with XXXX XXXX. The fact the the XXXX mortgage was paid off made the " modification '' an actual cash out refinance loan ; they ( SPS ) admitted paying off the XXXX mtg yet they claim it does n't count as a cash out refinance?!? It was obviously a cash out refinance, despite the fact that they do n't want it to be a cash out refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I combined all of my loans and had mistakenly thought my private was included. Well, I have been paying $ XXXX/month to " Navient '' ( or supposedly their collections department ) for my loans for 2 years but, on the Navient website when I log in it says that I I am 20 monthly payments past due. When I call to ask they are NO help and tell me I have to pay by loans in FULL to get it from negatively reporting on my credit report. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with Ideal Collection Services, Inc. (PR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The charge does not belong to me and my identity has been stolen. I send the affidavit as requested to Ideal collection services and still have had no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a credit card with Capital One and have made the monthly minimum payment required according to the mobile application on my phone. XX/XX/XXXX I made a payment of {$70.00}, which the app reflected a minimum of roughly {$60.00} due. My credit was reported as 30 days late for the month of XX/XX/XXXX immediately after payment was processed on XX/XX/XXXX. I spoke with customer service on XX/XX/XXXX and was told it was 3 days late, not 30. They filed a dispute for me then. 

I spoke with Capital One again today and they told me I was {$3.00} behind for XXXX 's payment, not XXXX. I was told what their system saw vs what I can see on my mobile app ( I do not use paper billing ) differs and that 's where the problems lies. If I was {$3.00} behind for XXXX, then the app should have told me minimum payment due then was {$28.00}, not {$25.00}. Also the next month 's minimum payment amount should have included an additional {$3.00}. 

Where I 'm confused at is if the mobile app tells me that minimum due then ( XX/XX/XXXX ) was roughly {$60.00} then my {$70.00} payment should have covered it all. Also why report XX/XX/XXXXlate if the {$3.00} past due was owed for XXXX? 

I only made during the month of XXXX what the minimum payment posted in my mobile app told me. I have never had a late payment with this company and I hold XXXX separate credit cards with them. Some months I 've even made payments twice. 

I took a 70+ point decrease with this mistake. Capital One has told me 3 different things by 3 different people.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Bank account or service (Savings account) with AMERICAN EXPRESS COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Hi, American express savings only covers liability up to {$50.00}. 

How secure is the American Express Personal Savings site? 
At American Express we want you to be safe and secure when you bank with us online or by mobile device. 
If you tell us within two ( 2 ) business days after you learn of the loss or theft of your account access information or mobile device, your liability is limited to {$50.00} if someone should access your account without your authorization. Immediately report any unauthorized transaction to us at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (NY).
Issue: Other service issues

Complaint: WHY WESTERN UNION RUNS AN ILLEGAL AND DECEPTIVE ORGANIZATION : ( 1 ) BECAUSE ALL THEIR FACILITIES LISTED ON THEIR WEBSITE ONLINE AS " AVAILABLE '' EITHER HAVE A SMALL DOLLAR AMOUNT LIMIT FOR PICK-UP OR ARE CLOSED EVEN THOUGH THEY ADVERTISE THEMSELVES AS " OPEN ; '' ( 2 ) ALL THEIR TELEPHONE OPERATORS ARE FROM XXXX AND DO N'T EITHER SPEAK OR UNDERSTAND XXXX ; ( 3 ) THEY PURPOSEFULLY MAKE IT HARD FOR YOU TO PICK UP YOUR MONEY SO THAT THEY CAN COLLECT AND KEEP THE DAILY INTEREST AND/OR HOPE THAT YOU GIVE UP AND LEAVE IT WITH THEM FOREVER, THUS ALSO GOING BACK INTO THEIR OWN ACCOUNTS FOR THEM TO KEEP.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Federal student loan) with AES/PHEAA (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There are several accounts reported on my credit report that I have disputed due to inaccuracy and failure to validate this debt as I requested. I contacted this company and requested them to validate their claim as well as the information I know to be incorrect that they are reporting on my credit files. The phone number listed on this account is invalid, and there is no way to contact them. This account was opened in 2007, and should not be listed on my account as a negative account with inaccurate information. They are continuously reported my accounts as bankruptcy when these accounts are not in bankruptcy. All of my loans have been consolidated with another lender. Being that they are not able to validate their claim or their information or given me the opportunity to dispute their claim is a violation of Federal Law

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: on XX/XX/XXXX I had decided to purchase an XXXX watch in the amount of {$750.00}. 
I was given an order number and notification that item was shipped via XXXX 2nd day air with an expected delivery date of XX/XX/XXXX. 

On XX/XX/XXXX, rhe package tracker stated it was pushed the following day. 
XX/XX/XXXX, XXXX claims package was never on the truck pushed date further out. I contacted both XXXX and Bestbuy to find out whats going on. I was informed that since it was season i will have to wait till the XX/XX/XXXX before i cam receive my package. 

XXXX failed to deliver the package on the first and when asked i was given a response the package is missing or lost contact sender to resend When i called Bestbuy i was informed that they can not send another item because its not available, but i can proceed for a refund and see of i can aquire it from a store On XX/XX/XXXX the local store has a small stock of the exact item and i went ahead and purchased it per Bestbuy request. 

it has been more than 5 business days and i yet to receive my refund.

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 06-02-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Sir, This is in reference to my home equity loan with Bank Of America. I have issues with the bank conflicting statements. They provide me a certain figure eg {$180.00} to be deducted on the payment date. They have deducted {$220.00} without my consent, This is the third time they have done this. Although last two times, I have written a letter and personally gone to the bank to resolve this issue.

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