milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My name is XXXX XXXX. On XX/XX/2017, I received Wells Fargo credit card Billing Statement to " XXXX XXXX '' for outstanding balance in the amount of {$2700.00}. 
I called XXXX XXXX XXXX XXXX XXXX closing the credit card because the credit card is n't on my name, the credit card also contains fraudulent charges on it. XXXX XXXX XXXX XXXX XXXX closed the credit card account but they did n't remove fraudulent changes, as a result I have called Wells Fargo Executive Office and they forwarded me to XXXX 's voice mail. I have called XXXX at the Wells Fargo Executive Office for seven times and left three voice mails ; but nobody in Wells Fargo Executive Office calls me back. 
This Wells Fargo credit card account has closed with fraudulent charges, this credit card is n't valid because it hasnt been on my legal name XXXX XXXX. 
Please refer to enclosed document including my legal name documentation, Wells Fargo letter and billing statement.

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 09-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan has been serviced by XXXX since XX/XX/XXXX - Exhibit XXXX. Prior to that, the servicing was assigned to CitiMortgage. While the loan servicing was handled by CitiMortgage, I filed a Chapter XXXX bankruptcy - Case # XXXX. Per the bankruptcy trustee 's disclosure, all mortgage payments in arrears ( {$15000.00} XXXX were paid through the plan - Exhibit XXXX. " Notice of Final Cure Payment '' was sent to CitiMortgage XX/XX/XXXX describing the same - Exhibit XXXX. 

Per the discharge of my Chapter XXXX Bankruptcy plan, my mortgage loan was current prior to the service transfer XXXX. XXXX issued notice that the account was past due {$3200.00} as of XX/XX/XXXX - Exhibit XXXX. XXXX refused to acknowledge and investigate the claim and payment history with the bankruptcy trustee. After further investigation on the CitiMortgage payment history, I found that XXXX payments were reversed totaling {$5800.00} - Exhibit XXXX. CitiMortgage has refused to acknowledge my requests to investigate the reason for the accounting reversals - Exhibit XXXX. 

Per the FDCPA, both XXXX and CitiMortgage are required to investigate any debt dispute within a matter of 30 days. XX/XX/XXXX XXXX issued a Default Notice and threatened to foreclose - Exhibit XXXX. The notice of default " NOD '' has a payment demand listed at {$4600.00} -- which was paid via cashier 's check -- Exhibit XXXX. XXXX has been cited in the past for escrow distortion, mortgage fraud, RESPA violations and illegal foreclosure on a long list of federal lawsuits. This case obviously fits in the same group. Based on my calculations, CitiMortgage is liable for a {$5800.00} refund and XXXX is liable for {$4600.00} refund. Since XXXX parties have ignored my requests for a voluntary refund, I am seeking your assistance on this matter. You can reach me via email XXXX XXXXXXXXXXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt was paid at the end of XX/XX/XXXX because I got XXXX in XX/XX/XXXX. My mother paid for that bill inFULL. I got a bill for collections for medical {$730.00}. I have a private doctor and XXXX and XXXX which COVERS ALL hospital and medical procedures will attach a COPY. tHE LAST XXXX BILL WAS OPENED IN XX/XX/XXXX, and the other one was open XX/XX/XXXX. I have had XXXX SINCE I GOT OUT XX/XX/XXXX until present. ACCORDING TO COLLECTIONS AND PAPERWORK WILL SHOW THAT i WAS XXXX AT THAT TIME AND IT IS IMPossible for me to apply for a phone in XXXX!!!!! ... Please investigate and any information needed please feel free to email me or call me XXXX, The XXXX debts are illegeitmate and the one debt for XXXX for XXXX opened on XX/XX/XXXX was PAID IN FULL. PLEASE CONTACT T-MOBILE and ask them why my account was open when i was it was paid in full and the other claim I was XXXX for 7 months more after the account was open ; and who authorized this transaction of opening another line on my name wihile me being XXXX in unsafe and strictly unprofessional. If these debts are not erased I WIll contact a lawyer if proof given today is not enough, the last image is the imei number which can tell you where the phone is and when it was used last. Please look into that as it will clear me,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Other debt) with AFNI INC. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX a letter was sent to my address along with a bill. On XX/XX/XXXX @ XXXX I faxed a validation letter to afni asking them to provide validation of said debt. I also included the XX/XX/XXXX letter and bill that the sent. I asked for validation. Then a few weeks later I received another letter, that they did not have enough information to verify ( which I asked for validation ) and they wanted me to provide my information to them. On XX/XX/XXXX I responded to that letter and told them it is not my job to validate, it was theirs since they were collecting debt. I told them if they could not validate said debt, cease communications with me about this said debt and remove from all remarks of this debt from all my credit reports. After doing some more research on this company I found out that they re age ( as per bill AFNI sent me was dated XX/XX/XXXX-XX/XX/XXXX ) the said debt. I also found out that as of XX/XX/XXXX in New York State there was a new law passed. Statue CLRP 202 if the company that your originally owe said debt to is not based out of New York the statue of limitations on collections will be based on the original creditor Home state. According to the bill that AFNI has sent me, XXXX XXXX XXXX the creditors head quarters is in Texas. Texas SOL is 4 years. 4 years is XX/XX/XXXX. Because the home state SOL is 4 years in Texas where the head quarters is, I would like AFNI to stop reporting to credit bureaus and remove all negative remarks and their account from all my credit reports. I have not heard back from AFNI regarding my second letter dated XX/XX/XXXX. Again I did ask if debt could not be validate by them, then to remove account from credit reports and cease and desist with attempts of collection of said that they can not validate. As of XX/XX/XXXX, their  accounts and remarks are still on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I originally applied for a loan with XXXX XXXX on XX/XX/XXXX for underwriting. The loan ( XXXX ) was pre-approved and then transferred to Mortgage Loan Officer-XXXX XXXX on XX/XX/XXXX because he was licensed in Georgia. 

On XX/XX/XXXX, XXXX XX/XX/XXXX access my credit file unbeknownst to me and started another application for underwriting even though they had all the necessary documents. 

On XX/XX/XXXX, after I pressed the issue with XXXX XXXX, the Georgia branch manager, however no logic explanation was given. On XX/XX/XXXX, I terminated my loan ( XXXX ) and relationship!

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 06/21/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Good Morning, I am writing you today in hopes to obtain some debt relief. I attended XXXX XXXX in XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. While attending XXXX XXXX I was given false information in regards to job placement, salary, and loan amounts. After graduation I had not help with job placement and advertised and now the school is closed down. After hearing this news I tried to obtain copies of my Official transcripts, but what was sent to me was completely the wrong program and dates. I am now left with a useless degree, wrong official transcripts, zero help from the school since they are closed now and a mountain of debt for a useless degree. 
Recently I found out that my may be able to have a federal loans foregiven, but they are mostly paid off now. I am hoping to make contact with Wells Fargo and See what my options are for forgivness or partial forgivness. I have found a few articles to help support my argument. 
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 07-06-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Trouble during payment process

Complaint: in XXXX and XXXX a detail transaction on the history there was found abundance of charges to our account, and until this date the charges remain there and continues to be there and charging late fees for those fees. for three years  XXXX we have not been able to get anyone to fix the problem, they have been called many times and messages have been left with upper management, and they never returned our call. in the escrow account we are being charged double for hazard insurance, and in the misc fees we are being charged late fees. any paper they send from their tax department they are charging {$7.00} a sheet. we got a letter in the mail XXXX XXXX, XXXX that our payment for XXXX XXXX, XXXX was not paid and is past due, in this letter it states we have to pay XXXX by XXXX XXXX, XXXX or they will start foreclosure proceedings and sale of the property for a payment that was made and we have the bank print off that it was taking out of our account. upon talking to several associates at nation star mortgage company we found out that the XXXX XXXX, XXXX payment was being held and no one could tell us why, bank statement showed they held it till the XXXX of XXXX. upon getting this letter there was also a certified letter at the post office, in it inclosed the same letter as before. they are trying to force us to put our property taxes in escrow even though they were sent a court ordered document that they were not allowed to do so. they have been sent this paper twice now and put it in escrow anyway, our papers states they have done this.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: After several certified letters stating the information regarding the trade line was wrong I only received print outs that the information was correct. I received the exact same response after XXXX more requests for complete investigation. They did not send any information regarding the history or origination. This is not my 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 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I initiated disputes with all XXXX CRAs in XXXX XXXX. The dispute with Equifax still has a status of " pending '', now almost XXXX days later. I have not been notified of any result and I do not see a way to follow up with them about it - the " Contact Us '' link on their web site does not even work when I click it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have submitted my recertification for the XXXX XXXX XXXX plan. This was accomplished by submitting the application as well as my tax return. 

Yesterday, I received the following e-mail : " We received your request for an Income-Driven Repayment ( IDR ) plan. Unfortunately, we are unable to process your form at this time because your request was not complete. You still need to provide complete income documentation. 

Please follow up on this request to take advantage of this repayment option. IDR plans are a great way to reduce your monthly payment amount because they take your income and family size into consideration! 

The easiest way for us to continue processing your request is if you upload your income documentation to us directly at XXXX. If you prefer to mail or fax your documentation, it is helpful if you also include the enclosed form. This will allow us to direct your request to the correct department for processing. 

You must supply alternative documentation of income if you did n't file a federal income tax return within the last XXXX years or if the XXXX XXXX XXXX ( XXXX ) on your tax return does not reasonably reflect your current financial situation, for example, if you had a decrease in income or you are no longer employed. Any of the below are acceptable proof of income as long as they are less than XXXX days old. 

Pay stubs : Make sure you write the frequency of pay ( weekly, every other week, etc. ) if it is n't clearly stated. 
Certified letter or statement from your employer Proof of self-employment Please do not send in your year-end IRS Form XXXX. These typically are not less than XXXX days old. Therefore, they usually ca n't be used to calculate your income. '' This is a totally outrageous failure to comprehend the basic nature of the documents submitted. The federal income tax form is MORE THAN ENOUGH to show what my household income is. There has been no change in my status. 

This is now the fifth time this year that FedLoan Servicing has botched a simple request. I 'm perplexed as to how they are allowed to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST NATIONAL BANK OF OMAHA (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am a victim of identity theft. On XXXX XXXX, 2017 some body used my SSN and open a credit card with First National Bank. Some time in XXXX I received a billing statement for a balance of {$7100.00}. I contact First National Bank and explain what happen. I spoke with the vice president XXXX and explained it to him and XXXX XXXX said I am not liable for this account. I followed up with the bank today XXXX XXXX, XXXX and I spoke with XXXX in the fraud department and I asked him about this credit card and he said there is still a balance on the account. I explained it to XXXX, I did not open this credit card and he said will investigate on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Deposits and withdrawals

Complaint: There was a Deposit applied to our account in the amount of {$1000.00} for a reversed check made by our bank Huntington. My wife called and spoke with a customer representative who confirmed that the money was ours and it was OK to use. A week later they withdrew the money without us knowing causing our account to be negative. We again called Huntington and they could not provide us with any resolution and only escalated the call. We called in originally to prevent this from happening. How can we be held accountable for their mistake after receiving verbal confirmation as well as the call being documented in there call software as approved funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/29/2015 about Debt collection (I do not know) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I reviewed a copy of my credit report today and noticed that my credit score tumbled. I took a closer look to determine why and notice that a company -- XXXX XXXX XXXX XXXX reported that I had an account with them that is seriously delinquent in the amount of {$180.00}. I have never hear of the company. I have not received any phone calls or notice from this company regarding this debt, nor have I received the opportunity from this company to verify this debt before it was placed on my credit report. I called the company and spoke with a XXXX XXXX. XXXX XXXX provided me with the account number for the debt which is XXXX. He stated the debt was sold to XXXX XXXX so he is not sure why his company is updating the debt with XXXX. I told him that XXXX XXXX is reporting the debt to XXXX and that I was planning to report his company 's behavior to CFPB he said to go ahead. I called XXXX to file a dispute and XXXX agreed that it is strange that XXXX XXXX XXXX would sell the debt then turn around an report it on XXXX XXXX, 2015 on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Transaction issue

Complaint: I have had fraudulent activities on my Citi bank Credit Card account. They have failed to assist me. They are supporting criminals/fraud operators, making derogatory comments, the most unethical and unprofessional language. I was harassed on the phone and cursed me. Upon request proof will be provided. 
Citi Bank needs to dispute those fraud charges and has to obey my country`s laws and regulations. Citi Bank STOP the crime!!!! Stop supporting Criminals and terror operators!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio Recovery Associates sued us for a debt they had purchased from XXXX XXXX and was written off by the bank. We did not dispute that we owed money, but the amount was in question. We finally reached a settlement at a mutually agreed upon figure and paid the debt in full. PRA subsequently sent us a XXXX form claiming that we had tax liability of nearly {$27000.00} in written-off ( or forgiven ) debt. It is illegal for PRA to claim a write-off for an account for which the original creditor has already taken a write-off for, especially since they are a third party who never laid out any funds and the amount in question was already written-off by the original creditor. This is double-dipping to the IRS, which is tantamount to tax fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: On XXXX/XXXX/XXXX, I submitted a lengthy online complaint to CFPB regarding the recent lawsuit pending against Navient. I was unable to log in to modify to my complaint. In my complaint I explained that Navient was unwilling to help me lower my rate and monthly payment amount. I failed to mention my Navient student loan is over 7 % and possibly closer to 12 %. Navient had no suggestions to assist in dissolving this loan that I never used for my education. This {$6900.00} loan was underwritten by XXXX XXXX in XXXX. Navient eventually took it over. As of XXXX - present date, I have submitted many written complaints to CFPB, written and verbal to XXXX XXXX XXXX, Navient Office of the Advocate, DOE, and XXXX referencing XXXX XXXX University online and Navient Student Loan with no result. I demanded more information on this student loan origination showing deadlines to withdraw from the online university. The only document Navient had on file was the promissory note that I signed. Of course I signed the promissory note, that is the only way the loan would get funded. I immediately withdrew from XXXX and Navient 's claim is my withdrawal date was past the deadline and my loan would be in repayment status. 

I have all documents to all parties involved to support my claims of trying to find a solution to dissolve this loan with Navient or verify if it was a legitimate. Initially I contacted Navient customer service to address this loan issue. Once I understood their customer service representatives were not helpful, I had to type a letter to Navient and send it certified to ensure my complaints would no longer be ingnored. XXXX XXXX responded to my complaint. XXXX XXXX XXXX - XXXX suggested I contact XXXX to obtain transcripts to release me from the loan. If there were no transcripts, Navient would use this as proof I never attended. During my two - three day research I found out XXXX XXXX Online was involved in illegal activity, changed their name to XXXX XXXX University and eventually closed permanently in XXXX. 

I contacted Navient several more times throughout XXXX of XXXX, asking for help and if they could find any records also. Navient was no help at all and no return calls to address my concerns. I was worried if I could make the payments and how my credit would be impacted by the bad debt, Navient never thinks about the struggling students who never found a full time job to mirror their education.

Company response to consumer: Closed with explanation