milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/15/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo ( WF ) was my bank for a period of over 10 years. During these years WF had my trust and was my banking institution. More recently this trust was shuddered by WF on my finding that certain accounts were opened with out my permission and my knowledge. On my informing this to WF managers and I talking to press representatives about my situation I was quickly pointed out by the management of the bank for closure of all of my accounts dealing in a personal and business level. Over 13 accounts were closed by WF in an act of retaliation of reporting illegal activities by the bank. The closure of account has a cost of purchasing hundreds of dollars and staff time to re organize my banking systems. Retaliation and the reporting of wrong doing should not be a reason to close a customer bank accounts. Yet WF did.

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 10/14/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CT).
Issue: Loan modification,collection,foreclosure

Complaint: Bank : XXXX XXXX XXXX XXXX XXXX : OCWEN ISSUE : ASSIGNMENT OF NOTE MADE AFTER BANK WENT BANKRUPT ( XXXX XXXX XXXX bankruptcy XX/XX/XXXX XXXX, assignment to XXXX XXXX being used to foreclose dated XX/XX/XXXX was signed by " attorney-in-fact '' for XXXX XXXX XXXX, who works for old bankrupt bank and newly assigned bank ( XXXX XXXX ) loan servicing company OCWEN, who has been fined XXXX by the federal government as has XXXX for fraud, yet we are still in foreclosure!!!!!!!!!!! 
Issue : We have been in foreclosure since XX/XX/XXXX. It is XX/XX/XXXX. Back then my husband had lost his XXXX figure job and then took a $ XXXX/Hr job, now he is back to nearly XXXX figures, but we are still fighting foreclosure! The bank is using ROBOSIGNED FALSIFIED DOCUMENTS IN A COURT FORECLOSURE STATE, ( CT ), BUT OUR ATTORNEY WOULD NOT ARGUE THAT BECAUSE JUDGES DO NOT LIKE TO USE " FRAUD '' BY BANKS TO " GIVE HOUSES AWAY ''. The mortgage originated with XXXX XXXX XXXX XXXX XXXX XXXX went bankrupt XXXX XXXX, XXXX. HOW WAS AN ASSIGNMENT OF OUR MORTGAGE SIGNED BY AN " ATTORNEY-IN-FACT '' for the XXXX XXXX XXXX Mortgage by an OCWEN employee and notarized by an Ocwen employee with initials of reported robosignors in XXXX XXXX? FACT : THE ASSIGNMENT OF OUR MORTGAGE TOOK PLACE TWO YEARS AFTER THE MORTGAGE COMPANY WENT BANKRUPT AND THE ASSIGNMENT WAS SIGNED ON BEHALF OF THE BANKRUPT BANK TWO YEARS POST BANKRUPTCY. There is a " lost note affidavit on file. They had to have some " PROOF '' they had the right to the house, so why not falsify the assignment to XXXX XXXX who is actually the trustee!!!! acting on behalf of XXXX XXXX XXXX XXXX, XXXX XXXX to whom the mortgage was transferred purportedly?????

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Debt should n't even be on my credit report. I 've only ever used XXXX XXXX XXXX or XXXX ; My previous girlfriend may have opened this account fraudulently in my name. I want this removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with AES/PHEAA (CA).
Issue: Unexpected or other fees

Complaint: XX/XX/XXXX2017 I submitted a wire transfer to satisfy my loans in full. It went through XXXX XXXX XXXX which immediately funds the credits in the same business day. As it is customary for the XXXX XXXX XXXX  to provide real-time gross settlement. XXXX XXXX XXXX uses a system that enable its participants to initiate funds transfers that are immediate, final, and irrevocable once processed. 

NOTE : I kept a eye on my account during the four- five day processing time it took to verify my credits were available. It was a weekend that 's supposedly why it was longer than usual. So on Tuesday of this week I reviewed my dashboard and found that every thing was verified and correctly updated. Student loan paid in full. As it should read. 

Two days later they reversed it and refused my payment. saying that my information was incorrect. So i called and spoke with a representative that informed me that they did indeed receive the credits from the sending bank, but had to refuse because my routing number was incorrect. I know this is false because as stated above, the wire is instantaneous. 

https : //www.federalreserve.govXXXX If you take someone to court over a {$100.00} dispute because the person who owed you paid you the equivalent in jelly beans ; its pretty much your choice to accept or refuse payment. The thing is that you were reciprocated with a offer, yet refused. 

Debt discharged. 
So. Since they

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX, 2016 at about XXXX I spoke with a representative XXXX to gain clarity and further verification of a debt in their office. Later he provided a Pay for Deletion offer in the amount of {$3000.00} to get IQ Data off my credit report. I asked him to give me sometime and I would call him back the following day. On XXXX XXXX XXXX called to continue discussing the Pay for Deletion and when asked to furnish a letter he refused and placed me on the phone with his supervisor. The supervisor after I told her I was n't going to furnish my credit card info to guarantee me the Pay for Deletion and terms discussed said she was going to place that I refuse to pay the debt in the notes to the file. As well as charging interest to the debt that is owed. The interest was over {$1500.00} and the claimed debt I owed was over {$4700.00}. When asked to send my debt back to the original creditor IQ Data reperesenative refused. This has truly place a strain and damage to y credit report and history for the past XXXX. These practices are illegal under the FCDPA and the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (GA).
Issue: Managing the loan or lease

Complaint: When I took out the loan with Big Picture Loans for XXXX dollars they said the finance would be XXXX dollars. I then said okay but received papers for repayment until XXXX XXXX, 2017 totaling XXXX .I did not receive this until after payment. I would have never agreed with this outrageous interest. XXXX was taken out every two weeks. I have already paid over the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Transaction issue

Complaint: I accidentally made a payment of XXXX I meant to only pay XXXX I have sent XXXX emails requesting to have a refund. I have sent the requested documents ( voided check, transaction report showing payment to Chase bank and also a copy of my bank statement ). The payment was made via my bank bill pay online on XXXX/XXXX/16. 
I am being told that they did n't receive document by XXXX representative and then told by a different representative they received everything fine and it was forwarded for review.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Please Refer to Complaint Number : A validation of Debt and QWR was sent to SPS however, they have failed to provide the following : * Full accounting from inception to present date to justify the numbers given * SPS claims that my balance is {$790000.00} however i have conflicting accounting which is why i asked for a validation of debt from SPS merely sending closing documents without accounting is not a valid response per the FDCPA * SPS has also failed to provide a mortgage coupon the loan was transferred in XXXX of 2016 and SPS also failed to provide HAMP options as well as alternative options as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivable Solutions, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i do not owe this it was taken off my credit and then put back on.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I monitor my credit reports weekly and found that a hard inquiry showed up on my XXXX report on XXXX/XXXX/2016. I contacted Citibank, the company that made the inquiry to find out why. I called the fraud department and spoke to XXXX, he would n't tell me his last name. I called on XXXX/XXXX/2016 about XXXX central time. Since I did n't have an account with them, they told me to disregard it. I told them I would not disregard it because it was affecting my credit and I wanted to know whether or not someone was trying to open an account in my name or if not then why they were pulling my credit. They then hung up on 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
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello, I am writing this message because I am having a problem with the transunion credit bureau. As im going over my credit reported dated XX/XX/XXXX. Ive noticed multiple inquiries on my report that I have not authorized. Now by reading and doing some research there were a glitch in their system which occured, so that may have an effect on this matter. I know I have a few accounts listed on my credit reports as well that leads to inquiries, but the ones that are not attached to an account does not belong to me. The credit bureaus are supposed to give me a 5 day notice that inquiries were supposed to be placed on my report and I never received any type of notification. I called today and spoke with a XXXX and XXXX, and was told I had to send a letter to the creditors. Here are the inquiries listed XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ( i have XXXX account with them, not XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
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: Equifax XXXX XXXX and XXXX XXXX XXXX was sent an initial dispute letter in XX/XX/XXXX of an incorrect reporting of a collections on my credit report. Both companies have been sent 3 letters with 2 being certified by mail letters in which XXXX XXXX never responded and Equifax claimed to do an investigation and stated information was verified. After asking for a reinvestigation from Equifax and demanding for detailed documentation of an original signed contract and the persons first and last name of whom Equifax spoke with at the collection agency to verify that this collection account that is listed as XXXX on my credit report is in my name. I also asked for specific steps Equifax took to investigate this collection, in return all I keep getting from Equifax is " We verified that this item belongs to you. We have verified that this item has been reported correctly '' and still showing the same info to me as listed on my credit report. This collection is being reported INCORRECTLY on my credit report. This account number with XXXX XXXX is 1 ) being reported as an incomplete account number on my credit report 2 ) this account does NOT belong to me XXXX ) Last Payment Date listed as XX/XX/XXXX is inaccurate and does n't exist. Equifax has violated the FCRA rules by not investigating this account properly and I 'm requesting this collection to be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/27/2015 about Credit card () with U.S. BANCORP (TX).
Issue: Balance transfer fee

Complaint: INTRODUCTORY RATE OFFERS WAS MISLEADING. DID NOT DISCLOSE ALL FEES. STATES 0 % INTRODUCTORY RATE FOR BALANCE TRANSFERS. BUT THEY CHARGED A 3 % TRANSACTION FEE WHICH IS NOT DISCLOSED ANYWHERE ON THE OFFER PAGE. HAD I KNOWN OF THIS UNDISCLOSED FEE I WOULD NOT HAVE DONE THE TRANSFER.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-10-2017 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Customer service / Customer relations

Complaint: I tried to log into my account from the website. The website requires they send a secure code to my cell phone either text or phone call. I am XXXX military XXXX and do not have access to any phone service. I only have internet. I tried their online chat and they could not help me log into my account. I am now locked out of my account for the remainder of my XXXX because I do not have a cell phone.

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 08/27/2016 about Consumer Loan (Installment loan) with Conn's, Inc. (AZ).
Issue: Managing the loan or lease

Complaint: on Saturday, XXXX XXXX, 2016, I called Conns at XXXX and advised the person who answer ( no name ) that I had become unemployed and was unable to make the payments. She asked me when I would like the merchandise to be picked up. I asked if Conns had a lien on the merchandise, such as a UCC filing. She advised that she did n't know. I told her that before I went any further, I wanted to consult with my attorney. Immediately after I said Attorney, the original phone person dropped from the line and I was then speaking with XXXX XXXX. I advised XXXX XXXX that I was unable to make the payments due to unemployment. I then asked what the terms were on my account, more specifically, the interest rate. He said that because I was late, the original 0 % was gone and interest had accrued from the original date of purchase. I asked again, at what interest rate. He said something like {$700.00}. I said, this is not a interest rate, I need to know what my interest rate is. He said 21. I said 21 what? he said 21 %. I said 21 % per what period. He was unwilling or unable to answer this question, only to say I would have to pay all the interest. Again I asked, At what rate. XXXX XXXX said XXXX. I asked " 27 % per what? '' attempting to find out the terms. XXXX XXXX again said " 27 % ''. To which I asked " 27 % per what, per month, per year, per day? XXXX XXXX, you can not just say a number without a time frame. Interest is calculated over time. Am I paying 27 % per month or per year? ". Again he only said " XXXX ''. I then asked him what the APR is. He said " your interest rate is 27 % ''. I replied with " that was not my question. What is the APR I am paying to Conns. He again said " XXXX ''. I asked " XXXX per what ''. He then said " XXXX XXXX, your interest charges are going be be at least {$700.00}. ". Again I asked " at what rate ''. Finally it was clear that XXXX XXXX and Conns was acting in bad faith and not wanting to disclose my APR to me. I still have no idea what the rate is that they are requiring me to pay. The conversation ended with XXXX XXXX indicating that Conns wanted to come pick up the appliances. I ask again if they had a lien on the appliances. XXXX XXXX became very curt at this point. I told him that I thought I should talk to an attorney before continuing the conversation. At that point he demanded payment and offered to post date a check. I advised XXXX XXXX that I no longer felt comfortable in speaking with him and ended the call. I simply want to know if Conns has a lien on the property and what my interest rates are, as the did not provide this information at the time of the purchase. I need this information to present to my attorney for a possible bankruptcy filing, which I disclosed to XXXX XXXX. This is a nightmare. Conns calls my cell phone all day and night, but is unwilling to tell me the terms so I can decide how to move forward. Thank you for the help and sorry about the long rant. - RN

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Account opening, closing, or management

Complaint: A credit card was issued in my husband 's name and never activated or used by us. To make sure the card got used, Wells Fargo Bank transferred the checking account that I have had since XXXX solely and as primary with my husband as secondary to my husband. This means they manipulated not only the account but our Social Security numbers for account ID. This was all done without our permission. I already filed case # XXXX which addressed the credit card. That took 90 days and several trips to the bank branch to get all fees removed, close card, and remove the credit card from our records. Just today, XXXX/XXXX/XXXX, I found out that they stole my bank account!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit reporting () with CITIBANK, N.A. (WI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Unknown/ unwanted inquiries not authorized to remain on credit report.

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 03/20/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I am filing a complaint on Nationstar for their deceptive, unfair and abusive loss mitigation practices. I am requesting Nationstar do the right thing and give me the mod they have promised. Please see the attachments with Compliant, Modification Approval Letter, Signed and notarized Mod Package and Denial Letter.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Pioneer Credit Recovery sent a garnishment order to my employer before send me a notification or an income driven repayment plan according to the law. this put my family in a extreme economic hardship since we can not afford to pay our rent or put food on the table. I am living at my present address for over 11 years. please help.

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 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have numerous credit inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquires and no account attached to them. Transunion is stating that " inquiries are a factual record of file ''. How are these inquiries factual when the creditors have no account. These inquiuries are factual permissable purpose but inaccurate. I request for them to be deleted.

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 04/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rossman & Co & PCB (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Physicians Credit Bureau # XXXX I have XXXX unverified accounts from Physicians Credit Bureau. I had previously disputed this account. I have never done business with Physicians Credit BureauPursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt Physicians Credit Bureau and I believe it is a HIPPA Act violation. I request that Physicians Credit Bureau Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Physicians Credit Bureau Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account NumbersXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I started a online dispute with Equifax, and the experience has been horrible. I received a dispute confirmation # XXXX. I explained to the company that I did not authorized any credit checks. I also explained I notified each company and havent received a response. I asked Equifax if the inquiries records are correct show proof that I did. I also tried to explain there several people in the same household with the same name and dob. Once the dispute was generated within hours I received a confirmation stating all the inquiries I disputed are correctly report. How does a company conduct a investigation into so many inquiries that quick Dosent make sense seems like no live person looked into my dispute sounds computer generated.

Company response to consumer: Closed with explanation