milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (LA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am a cosigner on a private student loan for my daughter attending a XXXX university. In XXXX of XXXX, I was sent a letter notifying us that the loan was fixing to go in default because my daughter graduated in XXXX XXXX from the university. Payments for the loan was to begin in XXXX XXXX. A billing statement was received with the loan with monthly notes at {$410.00} at 10 % interest for {$25000.00}. My daughter and I both contacted the loan institution to see if refinancing was a possibility in lowering the monthly payments for her since she did not have a full time job as yet. Since XXXX of XXXX, my financial picture had significantly changed. My job required me to relocate XXXX hours away from my permanent residence resulting in purchasing temporary housing, added expense in gas and expenses to live away from home. We applied for financial hardship and payment assistance through the loan institution where they asked for additional documentation that we collected and faxed to them more than once in the timeframe requested.. We were denied the assistance. It was difficult in contacting the person in charge of our account and now the balance is increasing. I can afford to pay XXXX half of the payment amount that is required. My credit rating is reduced because the institution refuse to negotiate the monthly payments until our financial situation becomes better. My daughter attended XXXX University in XXXX, Texas.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Fraud or scam

Complaint: The first card still had a balance on it when the new card with my name arrived in the mail. The balance never transferred over and the first card stopped working. I called and they could not figure out or help me. Ok, so I let that go. I have been using the new card with my name on it for a couple months. Yesterday I put cash on the card at XXXX like I always do. The money is not showing up on the card. Customer Service sees the transaction in system and tells me it will take up to 45 days to dispute and fix the problem. Really? They get to sit and or use my money for 45 days. They can clearly see I put cash on the card and ca n't fix this today. Tells me to check my email for progress on the dispute. This is a scam and after I get or if I get my money I will use the card until it 's at zero and then cut it up. American Express prepaid card via their Serve

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2018 about Debt collection (Auto debt) with WELLS FARGO & COMPANY (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX and XX/XX/XXXX I personally wrote a certified letter to Wells Fargo Dealer Services, I mailed a debt validation letter, requesting VALID proof that I owe { {$6500.00} } .On XX/XX/XXXX, I received an itemized letter with a list of dollar amount, attached is verification of the debt ''. Wells Fargo Dealer Services, is saying that I was a collections/charge off. Im disputing delinquent information that Wells Fargo Dealer Services has reported on my Credit Report, please note this account is paid-off in fullTherefore I am filing a dispute and requesting to have this collection account deleted from my credit report. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 08/20/2015 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Responded to initial contact letter with a timely debt verification request. Collection agency continued collection activity ( calls and letters ) before responding to the debt verification request.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This letter is to inform you that   XXXX   has failed to respond to my phone inquiry dated  XX/XX/XXXX  regarding unknown inquiries on my credit report. Since that time, there have been additional inquiries that have appeared on my report. As a consumer, I have the right under the FCRA to have these unknown inquiries removed accordingly. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer ;   XXXX   XXXX   XXXX   ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  , OH  XXXX  -  XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , VA  XXXX  -  XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , VA  XXXX  -   XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , UT  XXXX  -  XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , SD  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 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TN  XXXX   XXXX  Public Record Date Status Amount Legal Item Apr  XXXX ,   XXXX   Paid {$6900.00}  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Apr  XXXX ,   XXXX   Status Paid Amount {$6900.00} Classification Legal Item Type  XXXX  Contact Details  XXXX   XXXX  SESSION  XXXX   XXXX   XXXX   XXXX , TN  XXXX  (  XXXX  )  XXXX  Since you currently have an open dispute request, you ca n't dispute any other errors through   XXXX   XXXX   at this time. If you found new errors to dispute with TransUnion, please wait for your prior dispute request to be processed or contact TransUnion directly.   See the details here  XXXX   XXXX   XXXX  on your credit report This debt is with  XXXX   XXXX   XXXX . I have included the doc number and phone number. This debt was never mine. It has been paid in full but still remains on my TransUnion report. You need to contact them at the number indicated above and have it completely removed as a public record. Thanks

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 07/28/2016 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Sir or Madam : I am writing this letter to file a complaint against RoundPoint Mortgage Servicing Corporation, XXXX, NC. RoundPoint has repeatedly written me demanding mortgage payments. My original mortgage servicing company was XXXX, and since XXXX no longer sends me bills, I can only assume they have sold this account to RoundPoint. 

I purchased my home in XXXX from XXXX XXXX XXXX for {$91.00}, XXXX ( principal and interest ) for a 30 year mortgage. In XXXX, I bought XXXX XXXX out, and XXXX XXXX XXXX took over the loan. I refinanced in XXXX, for monthly payments of {$720.00}. To the date of this letter, I have paid {$100.00}, XXXX, which is {$13000.00} over the amount of the principal and interest owed. 

RoundPoint has written me and sent fraudulent documents to support their claim : Which is that I owe them {$40.00}, XXXX. They have listed the amount of my loan incorrectly : as approximately {$120000.00} including interest. They have also sent documents alleging that I refinanced my home in XXXX ; I XXXX in XXXX. Therefore, I did not and would not have refinanced my home in XXXX. 

Moreover, none of the documents they 've sent me list a payoff balance.I am sending a copy of this letter to RoundPoint. 

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 explanation
Consumer complaint received 10-05-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MD).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XXXX XXXX creditor, revolving charge account is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. XXXX XXXX has created a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my XXXX XXXX XXXX XXXX XXXX. I have written several letters to XXXX XXXX to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax big security breach on XXXX/XXXX/XXXX. I was informed that I was affected by it. I checked XXXX/XXXX/XXXX on equifaxsecurity2017.com and it said my information was compromised. I will be freezing my files with all 3 credit bureaus shortly.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have asked Equifax to correct my name and they have failed to do so. My name is XXXX XXXX. 
Equifax keeps sending me a response with : XXXX XXXX XXXX. That is NOT MY NAME. I need my personal information updated as I believe the other persons information is impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: My account was closed on XXXX XXXX, 2017. Ive never had a NSF withdrawal and have always had funds direct deposited into my account for years. There is no logical reason other then a computer glitch to have my account closed, but no one at Chase was willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Debt collection (Other debt) with NRA Group, LLC (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In 2015 XXXX XXXX wrongfully placed a delinquent account for {$270.00} on my credit report despite being informed that amount was not accumulated by me. I have disputed this via the credit bureaus. The item was removed at some point, sold to a collections agency and recently reinserted. Due to this my credit score has suffered a dramatic drop twice. Under the Fair Debt Collection Practices Act ( FDCPA ), there are certain guidelines and rules that apply to reinserting removed delinquencies. This account has not been verified nor have I received a letter informing me of its reinsertion. I am currently disputing it again.

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 09-08-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MN).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Be advised that someone is in possession of my personal identifying information including name, address, phone, SSN and birthdate. The information was used to attempt to open a XXXX 's XXXX XXXX XXXX credit card via internet. Fortunately Synchrony Financial contacted me as a precaution which resulted in me looking at credit reports. The inquiry was noted at XXXX  I have since put freeze on three credit reporting agencies and taken actions to protect other financial accounts. I have no idea how this happened. The thieves had my husband 's cell number and not mine so that raises concerns regarding how the connection was made to obtain information. I am grateful to XXXX 's for having the extra level of security to verify when someone attempts to open a store credit card via internet. I also wonder what happens in the store itself?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: i submitted a short sale to ocwen on XXXX-XXXX-15all financials and the package was complete they even said it was. 
i went through heck working with ocwen trying to get them to approve the current offer submitted to the bank, it is like they do not listen or like XXXX or something. I do not understand how they can have me foreclose because there is not enough time. 
question ocwen : does it take 60 days to determine that there is not enough time. maybe if you processed the paperwork in enough tie we would have more time to market the property at your ridiculously overpriced value of 110,000. my home is in XXXX. it is valued at about 50,000. please help me to get the foreclosure date postponed it is set XXXX. 
i do not know what to do. 
they are forcing me to foreclose. i live in this house lost a job have no money now i will be in the streets, this is crazy. i thought Obama had programs for me like hafa? hey ocwen did you conduct an appraisal for my HAFA application?

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit reporting () with Experian Information Solutions Inc. (DC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX is reporting a default on a previous XXXX 's account. I do not dispute the default, but I am disputing the dates they report the account was opened and defaulted. I issued an inquiry and dispute with Experian and they refused to amend or remove the information from my credit bureaus. The information appears on Experian and XXXX, but does not appear on XXXX. I am trying to purchase a co-op as a first time home owner and the incorrect information is affecting my mortgage interest rate and how much I must provide in terms of down payment. I appreciate your assistance to investigate this further. XXXX 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 non-monetary relief
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently found out in XX/XX/2017, that I was a victim of Identity Theft. After the initial shock of realizing that my personal information had been compromised I immediately went to my local police department to file a report. They said that since I did not have any information on who had stolen my identity that I could not file a report about that time. I went home and pulled all 3 credit reports and found numerous items on there such as inquires, and collections from accounts that someone had opened without my knowledge using my Full Name, SSN, and D.O.B. I called each credit bureau to find out what steps I should take to have these items removed and permanently deleted from my reports and to also put fraud alerts on my reports as well. They told me to go to FTC.GOV and fill our a FTC AFFIDAVIT and get it signed and notarized, and also fill out an FTC Identity Theft Report on the same website. After following those exact instructions I was told to fax all that information in to each Bureau and once the information is received ALL fraudulent items would be deleted. XXXX is the only Bureau that has complied with the promise given and have given me the help that I needed to try to rebuild. XXXX, neither Experian have done anything that they said they would do. I have faxed and mailed a copy of all the items requested over 10 times and XXXX, and Experian have yet to remove the items that were apart of my identity theft. I have called and they keep telling me to fax and mail it again. I need the CFPB to help me get this issue resolved. I am a victim and these two credit bureaus have ignored my efforts to fix this situation and continue to give me the run around on a daily basis. Please help me to get this matter resolved. The only resolution is for XXXX and EXPERIAN to Permanently Delete ALL fraudulent items from my credit reports.

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 06/19/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: Wells Fargo sent me back my check I deposited but never notified me then charges me over {$500.00} in overdraft fees XXXX of them for spending XXXX cents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/15/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: bought a cell phone on XXXX withing chase credit card .but we found the item was used and damaged instead of as described brand new unopened box. so we contacted XXXX and chase credit card company right away, XXXX XXXX and seller admitted the fact the item was used XXXX agreed to change the charge, but had to go through chase credit because XXXX XXXX wont handle the transaction. so we contacted chase many many times they didnt do anything to protected customer instead they sent this transaction to credit agency.to lower my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: They 're are XXXX accounts in collections on my Trans union credit report none are mine

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (OH).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Hello, I am a XXXX XXXX XXXX from the University XXXX XXXX XXXX in XXXX XXXX, Ohio. 
I am writing to inquire about what the terms or grounds for harassment are regarding a student loan lending company? I am struggling to find a stable and secure position within my degree field and I have every intention of paying back what I owe in debt. However I am in a position that I do not possess the financial means to pay the lump sum they are demanding. 

I have pleaded for a deferment so that I can find a job and not have the added stress that they are burdening me with. They call my house dozens of times a day, at all hours of the day from very early morning till XXXX or later. They have also called my grandparents yesterday, and today have contacted a close friend from XXXX. 

I am a XXXX and have no knowledge of law when it comes to something that pertains to this predicament, I am just at wits end and plan to pay most of what I have in savings just to get them to subside for the time being so that I can devote more of my time to finding a stable job. 

Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Mortgage (Conventional fixed mortgage) with Midwest Loan Services, Inc. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage servicing company for XXXX XXXX XXXX, XXXX, Az. failed to return excess funds at the close of escrow on XXXX XXXX, 2015. There appears to be a large accounting error and poor management oversight with our escrow account. The company Midwest Loan Service , Inc., failed to respond to therequest by the Title and escrow company handling the sale of our property. This failure has caused extra funds to charged via escrow at closing that were already covered in the escrow account. Also, they indicated that the property taxes had been paid to XXXX County, when in fact they had not! As of this writing, this company has not provided a proper audit or explanation of what happened to the funds accumulated in the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 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: Account information incorrect

Complaint: Credit Reporting Agencies is reporting inaccurate information on my credit report. Credit Reporting Agencies has XXXX XXXX XXXX account listed as being opened XX/XX/XXXX, when in fact i never open an account with XXXX XXXX XXXXXXXX on XX/XX/XXXX. I have presented evidence to Credit Reporting Agencies showing the XXXX XXXXXXXX XXXX account has errors, and Credit Reporting Agencies has ignored facts presented. Credit Reporting Agencies also list XXXX XXXX XXXX as  a creditor when i have presented proof from XXXX XXXX XXXX stating, XXXX XXXX  XXXX is a creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax breach. Equifax appears to be making the credit monitoring sign-up process very difficult so that users will become frustrated and give up. Please help them find some ethics. 

Initial sign up for TrustedID I did not use my middle initial. Even though I received several emails and I made several attempts to login, the last attempt directed me to a phone number XXXX XXXX XXXX for XXXX  Customer Service. I called and selected English. English was not the first language for the team member on the phone. This made communication challenging. The call lasted 28+ minutes where after me providing my phone number, last four digits of my SS # and email address they required me to respond to a series of questions concerning my previous employers, credit card information and credit limit on my credit card. I was told it would take 48 hours to allow my access to the Trusted ID website. The team member frequently put me on hold for 3+ minutes with loud music that was so poorly reproduced that it was not recognizable. I wondered if this was another layer of the scam. Then it occurred to me they were trying to frustrate me so I would hang up forgoing the credit monitoring service.

Company response to consumer: Closed with explanation