milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2017 about Debt collection (Other debt) with ONEMAIN FINANCIAL HOLDINGS, LLC. (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company is One Main Financial located at XXXX XXXX XXXX XXXX, XXXX, KY XXXX. We are working on a debt consolidation with XXXX XXXX XXXX and we have sent a cease contact with us. But they continue to call myself and my husband at our phone numbers at ( XXXX ) XXXX and XXXX. I get about two calls per day and my husband gets two calls per day. They leave messages on my voice mail and will not quit. I would like this to stop and work with XXXX XXXX. I lost my job two years ago and am under employed and ca n't continue to make the payments so, we went to XXXX XXXX to help us resolve our debt. Attached are documents that we have sent to stop the calls. Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Credit card () with DISCOVER BANK (NY).
Issue: Billing disputes

Complaint: I am writing regarding the unscrupulous and horribly corrupt methods of Discover Card Financial Services located in XXXX XXXX XXXX Utah. 

I had purchased a microwave from XXXX using my Discover Card, and I had the microwave installed in my home. I subsequently discovered that the microwave may have been a used unit as there was no warranty card or owner 's manual. 

Since I was dissatisfied and very unhappy with the microwave unit, I informed XXXX I was going to return it. They agreed to take the microwave back and I returned the unit on XX/XX/XXXX, and it was on that date XXXX removed the unit from my home. XXXX refuses to acknowledge my return and authorize the refund of the {$640.00} which includes the cost of the microwave and the installation. 

But it is Discover Card that is causing me terrible distress in my dispute against XXXX. Discover Financial Services/Billing & Disputes Department continues to give me " temporary credits '' only to reverse them back to my card. This is despite the fact that I have a signed receipt with a signature proving XXXX installers came to my home and picked up the unit. I have sent proof of return twice to Discover, and I have spoken to countless representatives. I have documented everything in chronological order with detailed information regarding this dispute. Discover Billing and Disputes refuses to cooperate and give me a permanent refund. 

As it stands now, I have no microwave. XXXX stole my money, and Discover Card is playing hardball against me by refusing to give me the permanent credit. 

I have a letter which documents everything, along with everyone I 've spoken with and every date. 

I am request that your office intercede with Discover Card Financial Services forcing them to give me a refund. 

I am devastated over this. Discover Card is protecting XXXX. Please help me in this matter. 

Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-08-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am in the process to applying for an apartment and was denied. As per my experian credit report I have negative items, however when I pulled the report there was no negative items of it. Due to a false report I was denied the apartment and have to appeal the decision. It 's frustrating because I just realized that someone have been applying for credit in my name, even though I have an alert on my credit report. Experian need to remove the negative items off my report, some of them are past 7 years.

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 12-06-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: This is an appeal of a decision made by Wells Fargo against me. I initiated a complaint several months ago stating that I was the victim of a predatory lending scheme and was told today by XXXX XXXX at Wells Fargo that my claim was denied and my case had been closed. No reason was given. I had previously tried to speak with XXXX XXXX but she did not return my calls. When she called to tell me that my claim was denied, I asked why she had not returned my calls. She stated that she was " too busy. '' I would like this matter to be re-opened and researched by a third party ( not Wells Fargo ). They have proven themselves to be unethical and unreliable and clearly can not conduct a fair investigation. I was not asked any questions by Wells Fargo during their so-called investigation. They unilaterally decided that I had no basis for a case. I respectfully request that my case be reopened and reexamined by a neutral third party. Thank you. 
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, NJ 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 02/16/2017 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After four years of investigative research, and denial of disputes by Experian, I contacted each and every creditor, and inquiry on my credit report. In such on XX/XX/2017, in violation of the statue, and part of the selective and inaccurate verification practice of credit reporting agencies, by selectively abiding by the lawful requirement, but should illustrate that the process needs more oversight, because its materially flawed, and allows credit entries, and inquiries upon consumers report without justification. 
On XX/XX/2017, and inquiry appeared upon my credit report from a company identified as appfolio, upon contact to that company, it was found that the information used to gain such access was not the accurate information of my identification. Experian techniques for verification subsequently has been revealed, and is verified by this creditor. The social security number that applies to this inquiry is XXXX, and my actual social security number is XXXX. Additionally in disputing the public records it was found thru inquiry that Experian is n't verifying the information as purported but only verifying the last XXXX dights and name likeness, which is insignificant and not proper. In such since they ca n't verify my the accuracy of entirety of social security number, or name, but only a portion, and that portion having been stated in that inquiry to be others performing the same, it is not likely that Experian has accurately disputed any information from disputes of the prior four years, and in such is guilty of creating financial hardship upon this consumer based upon a flawed system of verification, that is n't total and complete.

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 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: credit agency reporting information from identity thief. Ive tried to dispute unauthorized usage off my identity for over a year to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX. I took a FHA loan with XXXX XXXX and the co-signer is XXXX XXXX through Wells Fargo Bank. Around 2009 we had a financial hardship and started a short sale. Every 3 months Wells Fargo asks us to submit paperwork including tax forms, pay stubs and bank statements. Then they do nothing. We have had many buyers and still have a buyer now. The bank is very slow and does n't do anything with the paperwork. They wait until the 3 months is up then tells us it 's expired and asks for us to submit everything again. This has been going on for seven years. Every time we call them to check on the status all we are told is that it is in process. Now we received notice that a sheriff sale is scheduled. We postpone it twice already and will end up having to go to court to fight it. This is extremely frustrating. Wells Fargo is the worst bank I have ever dealt with. I continue to get calls from them trying to collect a debt and when I explain we are in the process of a short sale I am transferred several times and the outcome is always the same. I need help getting them to actually do their job. The sad part of this whole situation is the reason we fell short on the mortgage. I had to shut down my checking account for fraudulent activity. Because my account was frozen I mailed money orders to Wells Fargo for the mortgage payment. Money orders do n't exceed {$500.00}. so I had to send XXXX money orders. A few weeks later Wells Fargo sent the money orders back in the mail and charged a XXXX late fee. I contacted them and was told that a machine opens the letters and because I had more then XXXX money order in a envelope the machine could n't process it and they had to charge a late fee. We were living paycheck to paycheck and were unable to pay the late fee in full. So every month after Wells Fargo charged another late fee onto the mortgage. We could n't afford it. Eventually we stopped paying and started the process of a short sale. Please contact me if you need proof of documents of the short sale process.

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is a formal consumer to business complaint ; I have been attempting to get information removed from credit files since XX/XX/XXXX, with no success ; have called, faxed, email and mailed written request to have errors corrected with all three agencies XXXX, XXXX, and Experian. I do not have a signed contract with the following companies ; I have never done business with these companies and not liable or responsible for these debts. I would like correction to all credit report files with removal of the following information. Accounts that are not mine and need to be removed : Judgment # : XXXX, XXXX XXXX XXXX  XXXX # : Unknown ( multiple accounts ), XXXX  XXXX # : Unknow ( multiple accounts ), XXXX XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, MedicalCollection # : XXXX, XXXX, XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, also remove inquires from XXXX XXXX XXXX, XXXX/XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX-XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX I have never applied for credit with these companies. I have never lived at XXXX XXXX XXXX, GA XXXX, XXXX, XXXX XXXX, GA XXXX, XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX, OH XXXX  XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, OH XXXX. These are not my names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Positive account to " add revolving credit account '' : XXXX # : XXXX this account was opened XX/XX/XXXX has a XXXX limit XXXX no balance ; no late payments currently opened paying as agreed

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 03-07-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have been a victim of inquiry issue. There are incorrect inquiries on my report and some that have previously been deleted and are back again. Also I have one collection account from XXXX that has been paid but is still reporting a balance. They are not updating my info and have n't been. Disputed inquires were removed then reapplied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Daily compounded interest is killing me! My payments are always on time and I pay more than the required amount. If I pay early XXXX month and then on time the next, the # of days x interest will not let me get ahead. This is terrible!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Debt collection (Medical) with Automated Collection Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid in full as agreed directly to the creditor. Settled and closed. I am no longer liable and the file should not reflect negatively on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We have been the victim of countless acts of crime from numerous sources within a corrupt and non compliant industry. Attached is a settlement offer to end the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: This complaint regards Chase 's adamant refusal to halt the recurring debits scam -- -- XXXX -- -- XXXX XXXX 2015 {$39.00}, XXXX XXXX 2015 XXXX, XXXX XXXX 2015 XXXX, XXXX XXXX 2015 XXXX, XXXX XXXX 2015 XXXX, XXXX XXXX 2015 XXXX XXXX ( XXXX ) concerted efforts -- -- XXXX ( XXXX ) in person -- -- beginning Monday, XXXX XXXX 2015, in order to halt XXXX recurring debits -- -- especially, to close that specific Chase Freedom card account -- -- NOTHING. Each occasion, I was informed by a Chase account manager that the recurring debits were halted, that Chase Bank would investigate the scam & that Chase would resolve this dispute. Lies.Subsequent to the closing of all Chase accounts & direct deposits, correspondence was received from Chase executive offices, back dated XXXX XXXX 2015 & XXXX XXXX 2015 -- -- addressed to my original address, one year ago.XX/XX/XXXX 2015 My requests to communicate with XXXX president brought XXXX XXXX -- -- XXXX ( XXXX ) telephone calls, regarding Chase debits beginning XXXX XXXX 2015 & no XXXX premium member card, prerequisite for dental services, despite several requests. 
XXXX XXXX 2015 ( a XXXX XXXX XXXX presented me with a bill for estimated dental services -- -- {$3200.00}. ( b ) {$850.00} for XXXX XXXX c XXXX a document for referral to a specialist ( d ) XXXX subsequent Employee 's XXXX XXXX XXXX XXXX XXXX, document. ( e ) The XXXX discounted list covered by premium membership was offhandedly tossed into the nearest wastebasket, paralyzing me with awe! 
XXXX XXXX 2015 I walked around the corner to Chase Bank in order to halt XXXX recurring debits -- -- scam.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2015 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: My current mortgage holder, XXXX Mortgage, a Connecticut Company, sold my mortgage to Rushmore Loan Management Services, a Texas Company, on XX/XX/2015.
The terms of the mortgage were to remain unchanged.  When Rushmore sent me written confirmation they had me owning the wrong home and the wrong mortgage terms.  I called them and they corrected the records to reflect the correct home and mortgage terms in a letter to me dated XX/XX/2015.  However when they sent a billing they had the incorrect amount. I should be paying a total of $ XXXX per month and they are billing me  $XXXX.  I have called them multiple times and all I get is promises that they will investigate. In the mean while I have sent them XXXX payments of $XXXX for XX/XX/XXXX and XX/XX/XXXX but they have not applied either payment to my mortgage. They are calling me every other day dunning me for payment of the incorrect amount and telling me that I am XXXX months behind in my mortgage payments. I have spoken with XXXX different people at Rushmore and it is like beating your head against the wall.  Now they threatening to start foreclosure against me  and to report me to the credit reporting agencies while I am current in my payments.  I am fearful that their errors will cost me unnecessary legal fees and destroy my absolutely perfect credit rating. My wife and I are in our XXXX and do not need dealing with Rushmore.  Your help will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I received notice from mortgage company ( Seterus , Inc . ) advising a late charge fee of {$90.00} was assessed on my account for XXXX 2015 payment. However payment was paid online within time constraints and was not late. I called customer service and was advised to submit in writing request to reverse late fee. I sent by fax and mail on XXXX XXXX, 2015. On XXXX/XXXX/15 I received a letter from Seterus XXXX XXXX advising late fee assessed to my loan on XXXX XXXX, 2015 has been waived. On the statement dated XXXX/XXXX/15 the late charge of {$90.00} was billed and listed under the " activity since last statement. '' The following XXXX statements dated XXXX/XXXX/15 and XXXX/XXXX/15 does NOT reflect the late charge being reversed on my loan. Today I contacted Seterus, Inc customer service and spoke with XXXX XXXX and she consulted with her supervisor XXXX XXXX XXXX and they advised that the charges have been reversed as stated in their letter dated XXXX/XXXX/15. I requested proof that the fee had been reversed because it is not reflected on my account statements. I said if the late fee is charged to my account then the late fee should be listed/record as being credited back into my account under the " activity since last statement '' just like the fee charged on my account statement dtd XXXX/XXXX/15. She advised my letter was the proof. I said that there should be an accounting trail for the fee charged and credited. I filed a verbal complaint because proof of credit for late fee has not been provided and I believe the amount was only added to my loan total ( complaint will take up to 30 days for response. ) She also said she would send payment history and mail to me with XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: For over a year I have been reaching out to all 3 credit bureaus to remove items on my credit report that were a cause of fraud. I have requested validation and verification in the form of originally signed contracts etc. Each company has failed to help me and instead placed a lock on my credit profile but refuses to investigate the items in question or remove them from my credit report despite providing them with paperwork supporting my claim that my information was stolen and used without my permission. I am formally requesting these items be removed so that i can finally move on with my life.

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 01/15/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX CFPB : TARP Fund Recipient Bank of America gave up to {$60000.00} in enhanced relocation assistance to others, but gave me NOTHING! I demand that Bank of America give me {$150000.00} in enhanced relocation assistance, including interest, from their EVICTING me XX/XX/XXXX, stealing the personal property of XXXX Generations of my family, XXXX. 
XXXX, XXXX, a XXXX XXXX XXXX XXXX. My parents built XXXX XXXX XXXX, XXXX, IL. 
XXXX XXXX Real Estate Section reported Bank of America giving up to {$60000.00} in enhanced relocation assistance to others. Bank of America did not dispute that. On one Website Bank of America states : " That 's why Bank of America is excited to offer enhanced relocation assistance. Qualified homeowners who initiate a Preapproved Price short sale ( without an offer ) could be eligible to receive {$5000.00} - $ XXXX in relocation assistance and owe no more on their mortgage with the sale of their property, depending on the investor involved. '' Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX

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 Debt collection (Credit card debt) with Moss Law Firm, P.C. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: re ; Moss Law Firm , P.C .     XXXX   XXXX   XXXX   XXXX   XXXX   (  XXXX  )  XXXX , Texas  XXXX .   letter unsigned.     My original debt was with a " business '' credit card issued by   XXXX   XXXX   XXXX  , later merged into "   XXXX   (   XXXX   XXXX  ),  XXXX   who later merged into   XXXX   XXXX  ..     Allen Adkins & Assoc  . (   XXXX   XXXX   XXXX  , evidently now " Moss Law Firm , P.C . ) filed a judgement against me for an original   XXXX   XXXX   XXXX   credit card balance of approx. {$12000.00} from   XX/XX/XXXX   whe n my business    "   XXXX   XXXX   '' closed, I was a personal co-signer for the mastercard. After fees & penalties & 22 % interest over years they ballooned a new debt into {$31000.00} and offered a settlement of {$9700.00} or " make offer '' letter to my attorney   XXXX   XXXX  ,  XXXX   XXXX , after he spoke with them. I accepted and " In The   XXXX    Judicial District C  ourt of    XXXX  County  Texas '' obtained a Non-Execution Agreement No.  XXXX , dated   XXXX  , which was paid in  XXXX  installments ending   XX/XX/XXXX   with check #  XXXX  and closed due to  XXXX   XXXX  debt relief and a  XXXX  tax credit for approx. {$10000.00} filed with my  XXXX  personal tax returns.   Moss Law Firm , P.C . has now sent me a new letter dated  XX/XX/XXXX  attempting to re-open  (? ) a nd threatening legal action for   XXXX   XXXX  .   This debt has been paid and closed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation