milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Settlement process and costs

Complaint: This complaint is connected to # XXXX, # XXXX, & # XXXX. Last week XXXX/XXXX/XXXX I did submit a complaint to Wells fargo about disputing the fact that there are errors on my statements. I 've waited 11 months to get a written copy of my alleged debt. And have found some questionable transactions. I 'm submitting one example right now. Page XXXX of the customer account activity statement. Last line, XXXX/XXXX/XXXX amount received {$1000.00}. Then page XXXXof the XXXX. line XXXX amount received {$130.00}. Ok I paid {$1200.00} on XXXX/XXXX/XXXX enclosed a copy. Then line XXXX amount received {$2200.00} on XXXX/XXXX/XXXX ok I 've enclosed a copy. I see a payment was paid the rest to unapplied. Then paid another payment line XXXX with {$84.00} going towards late charges or outstanding fee balance then line XXXX {$170.00} Applied to principle. But then line XXXX, XXXX, XXXX, XXXX it says payment reversal. Why? Then line XXXX says non-sufficient funds reversal. Then line XXXX return item fee. Ok I do n't know why Wells Fargo took my money back. There was no way my check bounced why is that it 's because Wells Fargo was the one who wrote us a check from our restricted escrow account in the amount of {$9900.00} I 've enclosed a copy of XXXX/XXXX/XXXX statement showing XXXX that money was released. I 've enclosed a copy of the disbursement check voucher from when we received it. So, what happened to my money. Do you realize that that was the very beginning of that loan modification and right from the start I thought my money was being applied correctly. And feel it has not. Then line XXXX it looks like a payment was paid but in date due it says XXXX? XXXX, XXXX, and XXXX should have been covered. It 's should say XXXX date due. So, if I 'm incorrect please explain my statement. I did ask last week that if Wells Fargo seriously feels there 's no error I 'll hire a lawyer, but if maybe I 'm right and my alleged debt should be looked at and explained the errors I have found, we can talk the only reason I cease and desist Wells Fargo was because I wanted my debt in writing and I now have it. Also I 've also asked if you could stop, postpone, cancel the auction right now at this moment being bid on line. The auction last weekend was difficult for me and my family to go through and here it 's happening all over again. I 've gotten a 3 day eviction notice, and unable to stop all this. I will sign a revised loan modification only if my account is reviewed. I would also like a written copy of my restricted escrow account started back from XXXX when we purchase the home. Thank you.

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 10/16/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (VA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: This is the 3rd time that XXXX XXXX has reduced my credit limit which has affected my credit score. Each time they reduce my credit limit it is around {$10.00} more than what the balance is that I have on the card at the time. Now before I did n't fuss too much because my balances were high on my other credit cards. But this time I have fixed that problem. Each time XXXX XXXX does this my credit score drops 13-20 points because they make it look like I have maxed my card out. Before this recent drop. My credit limit was {$350.00} and my balance is {$170.00}. Now my credit limit is {$180.00} and my balance is {$170.00} which makes it look like I have maxed my card out. I feel this is unfair and a company whom discriminates against its customers. I have worked hard to repair my credit and decrease my credit balances and XXXX XXXX  creates a bigger mess every time. I am trying to purchase a house and with my credit score being decreased for no apparent reason, I am back at a stand still. I have only  been late on this account once due to the payment date being overlooked by accident. Other than that my account has been paid on time.

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 05-12-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I have received the response from Ocwen and disagree. First I tried to get flood insurance and the insurance company told me I could not cause I was not in a flood zone the email and company are attached. You force placed flood insurance of XXXX a year even though I am not in a flood zone. You say you ca n't use my Social Security income cause it 's not showing in my account it takes 3 months to get SS after applied one or two months just to get a appointment and I did this so I can keep my house when I clearly have the income!!! You sent me a corrected assignment what is a corrected assignment which is enclosed you the signer is a known robot signer and this is 8 years after the XXXX assignment why? The trust you say I am in is not on the SEC website as being active please provide where my loan shows in this trust. Please provide the assignment from XXXX XXXX XXXX to the trust 90 days after close as referenced by the PSA otherwise this constitutes a break in the chain of title and documents are Void California case XXXX vs XXXX XXXX XXXX  supreme Ct case buyers have the right to challenge the assignment of mortgage. I asked for my accounting from XXXX-date why have Ocwen not provided this my statements never have the same numbers on it. My CPA wants to look at this!! I can not believe this company Ocwen has hurt my family and caused undue stress to me and my XXXX veteran husband.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: About XX/XX/2008, our tenants at our property at XXXX XXXX XXXX, XXXX, FL. XXXX continued to be late on their rent, as usual. As a result, we could no longer cover the mortgage payment to Wells Fargo. We called and requested to do a short sale on the property. I followed all instructions and supplied them with mountains of paperwork that they requested. In XXXX 2008 they delievered the Notice of Default to the tenants and told them they had XXXX days to move out, which they did without paying another rent payment. I coomunicated with Wells Fargo in attempting to sell the home and avoid foreclosure. I called and spoke with XXXX at Wells Fargo ( in the loss mitigation department ) on XXXX XXXX, 2008 reaffirming that we wanted to avoid a foreclosure, either by short sale or deed in lieu of foreclosure. She assured me they wanted me to complete the short sale and they did not want to foreclose. But I reminded her they had a court date of XXXX XXXX and I did n't want anything bad to happen on that date. She assured me it was not a sale date and they would postpone or cancel it because I was trying to do a short sale. She even sent me a letter on Wells Fargo letterhead detailing all of this information, that they wanted me to do a short sale and then she signed her name. Well, about two weeks later they foreclosed. What a bunch of liars. How are you supposed to work with a company that pulls this kind of stunt? We had a sizable down payment when we purchased this home just XXXX years earlier. And all of the money that we spent to update the home, all gone because they are liars. My first missed payment was XXXX XXXX they served my tenants with the Notice of Default in XXXX 2008 and then they foreclosed in XXXX of 2008. A total of XXXX months from start to finish. I wonder how much quicker they would have foreclosed on someone that was n't trying to work with them?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit card () with JPMORGAN CHASE & CO. (MI).
Issue: Rewards

Complaint: On XXXX XXXX, 2016, I tried to make a reservation at the XXXX XXXX XXXX. I was offered a {$50.00} credit if I applied for the XXXX Credit card which is through Chase Bank. The credit card application asked for my social security number, annual income, and employer. I was approved within minutes. I went back to use the XXXX Rewards Card to pay for my reservation and was unable to use it because I did not receive a number. I had the last XXXX digits only. I called Chase Bank and was told they would not give me the card by phone and I would have to wait for it to come. That meant that I could not use the Credit Card with the reservation, I could not earn XXXX points towards a free nights stay nor was I eligible for the {$50.00} off that they advertised. I closed the account immediately and the website no longer shows my account number. It ssays " Your account is closed and no longer available for use. '' This has also happened with XXXX XXXX when I tried to purchase a flight.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 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: Account status incorrect

Complaint: On XX/XX/XXXX my lease account with XXXX XXXX in XXXX XXXX was paid in full. On XX/XX/XXXX the account was shown in the credit report with " Collection '' status and indicating missing payments on XX/XX/XXXX and XX/XX/XXXX. Letters and personal handling of the payment in full documentation was provided to XXXX XXXX with their response indicating that the corrections will be performed. 

On XX/XX/XXXX during the purchase of a new car, the credit report on Equifax still indicates the account on the same status : Collection and with missing payments on XX/XX/XXXX and XX/XX/XXXX. Communications were made again with XXXX XXXX with the same indication that the situation will be corrected. The interest paid to have the car were higher that the average due to this report. 

A new credit report was received from Equifax, with this account on the same status. A call with XXXX XXXX was performed today, XX/XX/XXXX, with XXXX XXXX at XXXX from XXXX XXXX and her indication was that they have the documentation that was provided on XX/XX/XXXX, but no correction was made.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have written 3 letters to the 3 credit bureaus explaining that this is not my account, and is fraud, I ask them validate this debt, and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your 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 ) you have on file of the accounts listed below. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, and again they have failed to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I 've been paying the minimum amounts on each of my loans, as well as another large sum toward individual loans to pay them off quicker. Despite my aggregate amount of debt being reduced by half, my minimum payment has remained {$500.00}. As a result, a large chunk of that amount has been used toward interest. As a result, I ca n't take the money I 've saved from a lower minimum payment and apply it to the high interest loan I 'm working to pay off first. I 've called Navient 's customer service line and they 've manually updated my minimum payment to a lower amount, describing it as a problem that should be updating each month. Instead, I have to call Navient each month to have the minimum payment lowered to the correct amount it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (LA).
Issue: Making/receiving payments, sending money

Complaint: I returned some shoes to XXXX. I got a refund of on XX/XX/XXXX for {$98.00} for the first pair but not for the second pair which should 've been {$140.00}. This was confirmed by my bank. Chase made a transaction dispute several times but took back the temporary credit that they gave me each time and said that there was nothing that they could do. Chase said to take it up with the vendor. XXXX insisted that they sent the refund and that I should take it up with my bank. XXXX also sent an invoice and receipt of the refund transaction. What should I do? Who is liable? I do n't have the shoes or the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/26/2015 about Debt collection (Payday loan) with SCV Inc. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was contacted by this collector ( not the original lending company ) stating that I owed money to the original lender. I asked for more information on the matter, including a letter in the mail and was informed that the original lender had already sent XXXX letters since 2011 and that 's all they are required to do. They stated that the original lender would take legal action if I did not take care of this matter today. I told them I was unable to setup any sort of payment without more information on this loan. I have tried looking everywhere and ca n't find anything on the original company so I have nowhere to contact. The man gave me until XXXX today and I did call back before yet got his voicemail. This entire thing sounds XXXX and I do n't know all the laws of this type of situation but I did n't think what he was claiming ( the time-table ) was correct or lawful.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Have Contacted CFPB in regards to Experian and they have chosen not to remove the information on the report. XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX removed the collection. 
XXXX XXXX XXXX XXXX XXXX and XXXX Removed. Not my Account. 
XXXX XXXX XXXX XXXX. Needs to be removed. Never lived at the address. XXXX XXXX XXXX XXXX, XXXX, AZ. XXXX. Please remove. 
Public Records Federal Tax Liens are released since XXXX. 
XXXX XXXX XXXX Never had a loan with these people. Removed from XXXX XXXX and XXXX. 
XXXX XXXX XXXX Do n't have an account with this collection company. XXXX XXXX and XXXX removed. XXXX XXXX XXXX XXXX never had an account with this company, A collection that I had sent a 30-day verification notice to on XXXX/XXXX/XXXX. XXXX XXXX and XXXX removed. XXXX XXXX XXXX Never had An account with this company. sent a 30-day Validation notice. No response XXXX XXXX and XXXX removedXXXX XXXX XXXX Never had an account with this company. Filed a Complaint to XXXX XXXX XXXX. XXXX/XXXX/XXXX. XXXX XXXX and XXXX removed. 
Inquires that have no written authorization. Car Finance, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Any and ALL Auto inquires were never made by me nor was written authorization given. I have been contacting CFPB since XXXX/XXXX/XXXX, Have received updates from the repositories. Honestly, I do n't believe that Experian is working in my behalf in regards to the Fair Credit Reporting Act. Nor the Fair Debt Collections Act. My Date of birth is XXXX/XXXX/XXXX, yet Experian keeps reporting a different date. My employment is XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, XXXX. XXXX XXXX since XXXX/XXXX/XXXX. to the Present. XXXX. XXXX XXXX XXXX, Is not my Company. I sent Experian a copy of my Passport, social Security Card and Veterans XXXX card. As they requested. This is really getting to bring my XXXX down. I am trying to get a mortgage. I am a XXXX. My XXXX is being held by XXXX XXXX XXXX, XXXX Really need your assistance in this matter. If I need to will exhaust my administrative remedy and file a class-action suit if necessary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My account was sent to XXXX by Synchrony Bank. When the collection agency contacted me I requested for an settlement. After settlement was paid in full XXXX sent back to Synchrony Bank my information stating that the account was paid in full. Synchrony Bank representative stated " they do not show any agreement, although my account started at XXXX, I sill owed XXXX ''. I sent them a copy of the letter that I have from XXXX, stating that my account was paid in full, but I cant get a response from Synchrony Bank.

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 12-01-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting a negative payment history in XXXX XXXX for a XXXX XXXX account that was settled in XXXX XXXX ; since the account was settled in XXXX XXXX, there should be no negative payment history following that date. We have previously disputed this both with Macys ( ref CFPB complaint XXXX ) and with Experian. XXXX XXXX response agreed with my complaint and stated, " On XXXX XXXX, XXXX, we requested the credit reporting agencies to update their records to remove the delinquency that was reported for XXXX XXXX. '' However, as of today, XXXX/XXXX/XXXX, Experian still has not updated my credit report to remove the delinquency being reported for XXXX XXXX ( see attached credit report ). The erroneous reporting of a recent negative payment history has a severe impact on my credit. Since the account was legally settled in XXXX XXXX, the reporting of negative payment history in XXXX XXXX falsely represents the true status of the account, a fact with which XXXX agrees and has tried to correct. Apparently Experian refuses to correct this error, even though instructed to by the information furnisher, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: In accordance with Equifax 's instructions related to the data security breach, I was identified by their website as an impacted consumer. On XX/XX/XXXX, I was instructed to return to the site after XX/XX/XXXX to sign up for the free XXXX XXXX XXXX. When I returned on XX/XX/XXXX, I registered and was told I would receive an e-mail with a link " in a few days '' to active the service. It 's been over a week ( since registering and two weeks since announcement of the breach ) and a link has not been received. I attempted to contact Equifax on its security breach customer service line and they could not state when I would receive the link or that my request was even in process. They did indicate that they have been " overwhelmed '' with requests ( which is amazing that they did n't prepare as given the size of the breach, they should have expected millions of requests ) but had no answer for how long it would take and to keep checking for an e-mail. Based on news articles, it seems that a number of people are having the same experience. The breach is bad enough, but the lackluster response has been terrible. I did notice that they are still advertising and accepting requests for paid services on the website. Curious if paying customers are getting priority or being signed up before the breach impacted consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I opened an credit card account  with Citi Ba nk on  XXXX / XXXX / 17 . I have never received a bill/statement/e-mail or anything from them since. Today I receive an e-mail saying that they would be waiving my late fee since I have never been late before. This is not my only account wit h Citi, but this is the one en ding in  XXXX . They tell me that since it is late though that I owe  XXXX  dollars in interest charges for that time period. I paid my entire bill immediately through a wired transfer to avoid any other interest charges in the meantime while I worked this out with them. They enrolled me in paperless billing without my consent ( I have never enrolled in paperless billing in my entire  XXXX  yrs ) and knew nothing about this service. You can check my credit history and it will show that I have always paid my bills that I receive by U.S.P.S. on time. I have never been late, paid any fees, interest, charges, anything period. I have an excellent credit history of  XXXX  or better continually. So here is my compla int. Citi enrolled me in a service that I did not agree to. They never sent me a bill ( I 've checked all messa ges in my account since I opened the account ... no bill, only a message that said for me to enroll in the service which I ignored since I have never used this before. ) They will not return the interest fee that I paid this morning and blame me for not checking my e-mails. I would like to have my interest payment returned and for them to ONLY send billing by U.S.P.S. Please help me since I can not get anywhere with them directly.     Sincerely,  XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-08-2018 about Debt collection (Other debt) with EOS Holdings, Inc. (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Contract was cancelled original creditor ( XXXX ) sold the account to a collection agency ( EOS CCA ) which means they also wrote off my debt on their taxes which wrote off my obligation to pay.

Company response to consumer: Closed with explanation