milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/28/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX the company ( fed loan services ) reported that i made a late payment when i was told at the time that i would be in deferment while they processed my income based payment plan application that i submitted in XX/XX/XXXX. it was to my understanding that effective immediately my payment due is to be waived during the process. i was later approved for my current payment and was never informed of this late or non payment made. i have call several times including four times in the month of XX/XX/XXXX as well as four times in the month of XX/XX/XXXX and 3 times in the month of XX/XX/XXXX where i filled out an online dispute application and continuously receive emails stating more information need or not enough information provided for the issue to be resolved. one time in the month of XX/XX/XXXX i spoke to a supervisor who personally walked me through the entire application and assured me i have filled it out correctly and submitted it to receive yet another email stating not enough information provided. they have had this on my credit report for far too long and simply do not plan to remove the false delinquency from my credit report which is holding me back from doing things as far as credit is needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2015 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Other

Complaint: Wells Fargo Bank MasterCard upon reissuing credit card, changed my name on the new card without my authorization. The name on the current card is not mine rendering the card useless. After months of asking the bank ( staff, local bank mamager, finally CEO ) to correct the error back to my name, they continue to require that I submit a written change of name authorization request which I refuse to do as it sets a dangerous precedent. The bank refuses to admit their error and has, so far, refused to either provide me with a copy of a name change authorization that erroneously changed the name on my card or to correct the name back. I 'm at the end of my rope and prepared to persue legal action against bank.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (CA).
Issue: Money was not available when promised

Complaint: I received a paystub from Wells Fargo, for money owed to me. Paystub states check date of XX/XX/2018, for deposit to my checking account. It was not direct deposited. I called payroll, who told me to call another department. After 7 calls, an outside vendor confirmed that the money was disbursed to Wells Fargo for further payment to me and sent me back to payroll to find out why it was not deposited. Payroll sent me back through the same calls. I do not have my money. Previously, another complaint about Wells Fargo. They paid me, then sent a dunning letter, telling me they had overpaid me and demanded the funds back. I don't know if this is similar situation where they tell me it is my money and then take it back.

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 12/30/2015 about Credit card () with DISCOVER BANK (IL).
Issue: Billing disputes

Complaint: I would like to amend my previous complaint [ Case number : XXXX ] to include recent facts. 
On XXXX XXXX I received a letter dated XXXX XXXX from Discover card. They said I had 10 days from the date on the letter to respond. They had determined that despite the evidence that the company was acting in bad faith and had in fact not supplied me with anything usable for my vehicle, they would return the complete amount to them. I asked for a supervisor, who told me the same thing. She was in Delaware. I called back and asked to speak with a supervisor again. This time she was in XXXX XXXX XXXX. She confirmed the same thing. In fact, she gave me an example. She said that if I ordered a couch, got it home and did n't like it, I 'd have to pay for the return costs. I explained that was not the case here. I was shipped a defective 'package ' that the seller wanted me to pay to return, both shipping and 20 % restocking fee. She reaffirmed that was correct. I gave her the example that I ordered a television set and what showed up was half of a toaster. She reaffirmed that I would still be liable for expenses because that 's what the purchase agreement was. I tried to explain that returning defective merchandise is not even close to " changing my mind about the color '', but she said they had rules and they would not consider anything else. 
I believe that Discover Card is acting in bad faith to my detriment. 
Because Discover Card determined in their letter to me ( dated XXXX XXXX ) on page XXXX that I would have to return the merchandise at my own expense or have my dispute resolved completely in favor of XXXX, I requested and received a RA # from the vendor and shipped the items out on XXXX XXXX at a cost of {$530.00}. Because this action deprived XXXX the opportunity to ship at their discounted rate, Discover Card should cover this expense. Also, since Discover Card will not complete their decision process until after my billing cycle, and my outstanding balance would be negative without this disputed charge, I want Discover Card to remove any interest or late payments charges incurred as part of this process. They should also remove any record of this late payment from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Credit card () with JPMORGAN CHASE & CO. (SC).
Issue: APR or interest rate

Complaint: with my agreement I was placed in a debt repayment program with Chase. My account was closed. Then, I began to pay on a monthly basis. For the last year, I was paying the amount requested and was sent a one page notification that my checking account would be debited for {$87.00}. Well, I just discovered that I was 90 days late in payments for past due charges and it has destroyed my credit rating. Not one time did I ever get a phone call or mail telling me I was 90 days late. I spoke to them over the course of two weeks and asked them to remove these late charges from my account and that I was willing to repay the past due. They refused. Again, my account was put in a special status where my Interest rate was reduced. Never once was I ever told that my account was 90 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Western-Shamrock Corporation (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My XXXX sisters and a cousin has complained to me stating that they 're being contacted several times a day on a daily basis in terms of having been listed as a reference. They 've also revealed to them the nature of the call and where they 're calling from. I know for a fact that they can only leave their name and number and they 're not even suppose to call my references if I have a working phone number myself.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech sold my loan # XXXX, to XXXX Mortgage, and did not give me notice of the Sale. They deposited my monthly payments and did not forward them to XXXX Mortgage. They have {$5300.00} of my Money, and my credit score has been ruined. Ditech sent me a check for {$1700.00}, one months payment, but no response on the balance of my money. XXXX Mortgage never contacted me and gave notice that they purchased the Loan, prior to sending a negative credit report to the Credit Agencies. XXXX has subsequently sent a letter to the Credit Agencies, but Ditech has failed to accept any responsibility, and sent a letter notifying me of the Sale and my {$1700.00}. I can not keep my Loan current if they do not release the balance of my money which they have misappropriated, which could further ruin my credit and cause me to lose my home. They gave me a supervisors name whom i have left XXXX messages with, and she has not returned my call.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have sent in dispute letters on several different occasions asking the credit report bureau ( Equifax ) to mail me out documentation that shows that XXXX accounts belong to me XXXX XXXX XXXX, XXXX and have not received documentation. The first dispute letter I sent was in XX/XX/2017 ; XX/XX/2017 ; XX/XX/2017 in which I have n't received anything in the mail but can log into the Equifax dispute center online and was able to review a letter from Equifax stating the account has been verified but with no documentation listed. I have mail out dates starting back from XX/XX/XXXX but yet to receive anything that states this is my bill and should be on my credit report. I also called and spoke with a representative that advised me that the accounts were verified over the phone with account holder and I thought that 's not how an account should be verified, I need some assistance with this situation because I am being ignore by Equifax and need documentation to prove that the account has not been verified by the bureau ( Equifax ).

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Loan servicing, payments, escrow account

Complaint: payments not being properly applied. was approved for 2 modifications which were supposed to help me but ended up hurting me. i purchased a home for XXXX which i now owe XXXX there are {$94000.00} worth of payments that they do not apply correctly due to them putting every payment that was made to an unapplied total area that they always seen to reverse right out leaving me with a negative balance. i called for over 2 weeks to get it resolved and i kept getting transferred. i once was even told did n't you benefit from the whole situation. any and everything you can think of in reference to my loan is not being properly done! i have been charged 7years and 1 month of the XXXX worth of pmi payments when i have only resided in my home for 6years. my modifications that were done are not being followed nor done properly either.

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 03-09-2017 about Debt collection (I do not know) with Tate and Kirlin Assoc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: False Collection Debt

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 02-02-2018 about Debt collection (Other debt) with CONTRACT CALLERS INC (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Over thirty days has lapsed and I still have not received a written response to my debt validation request. I am trying to purchase home and my credit score dropped about 90 points as a result of this account being reported to my credit report. To date, I have yet to receive any kind of phone call or written notification regarding this supposed debt. I do know how or why someone can place something on your report without contacting you first. I have no knowledge of this debt or any monies owed to who they say i do. That is why I wanted them to validate the debt and they are not responding to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am sick of these Credit Agencies. Over and over I go thru the dispute process, they just change the reporting each time, they never verify it. 
I attached the XXXX print out because when you pull XXXX directly it does n't point out it 's own mis reporting, besides I fight thru the XXXX.com, it wo n't let me thru so I have to go pay each time. I am not being taken again1- attached page of XXXX, you can see it 's XXXX and XXXX XXXX my name, it is reporting XXXX accounts on a payment plan, that plan was paid and discharge 2 years ago2- Attached page from XXXX reporting XXXX accounts with no payment history. I have requested the history and the accuracy of the last payment date, no response. In the words of XXXX XXXX, " trust but, verify '' apparently not with XXXX, they just tell me to pound sand when I do n't trust them anymore because when I request to verify information or simply delete the account if the vendor ca n't verify the information- why so difficult? 

XXXX-attached First Horizon reporting, Like me you can see the reported history does n't match the last payment date. What they did is transfer to XXXX, so my record looks like I have XXXX mortgages that were late and lowers my score. XXXX XXXX made a mess of my Modification request, transferred it, threw out my paperwork. After XXXX times with full submissions and my attorneys help, XXXX completed it in 2014. I am requesting the entire XXXX be deleted as no one is able to actually verify the payment history and they should n't be rewarded for making a mess out of the account. While I was in XXXX XXXX, no reporting was available, the moment it was discharged, this erroneous reporting shows up.

Company public response: Company chooses not to provide a public response
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. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I guess I MAY Have been impacted by the Equifax security breach. however, on their website, they do n't directly tell you if you actually have, it just says you may have been affected. so I sign up for their free credit monitoring program, but I get no information on that either. if 's not very informative when they just gave away so much of my info and do n't provide me with any info to try to help keep myself and my husband safe from future problems.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Mortgage (FHA mortgage) with Nationwide Biweekly Administration, Inc. (NM).
Issue: Loan servicing, payments, escrow account

Complaint: I was with Nation wide bi weekly program and i have got XXXX notices over the weekend saying that my account is temp suspended. I tried to call I want to make sure they have my extra payment that is supposed to go to my house now on XXXX XXXX and no one will answer they say they are having technical difficulties.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Equifax continues to report the following, after receiving police reports, notarized disputes, and everything required for removal for the illegal accounts ) : The illegal, fraudulent accounts are : AMALGAMATED BANK OF, FINGERHUT/WEBBANK The illegal, fraudulent inquiries that are not covered by fair use are :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    ,  XXXX   XXXX   XXXX   XXXX ,   XXXX  ,  XXXX   XXXX   XXXX   XXXX ,   XXXX  ,  XXXX   XXXX  BANK  XXXX   XXXX   XXXX ,   XXXX   &  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX   XXXX ,   XXXX  ,  XXXX  BANK  XXXX ,  XXXX .  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX ,   XXXX  , &  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX , BEST B  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  BANK  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX  CRED  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX  BANK  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

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 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I received a letter from the court stating they do not furnish information to any third party including Credit Bureaus, there for the Tax lien and Bankruptcy that has been placed on my credit reports stating the information came from the court is false and was placed on my credit report illegally and must 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 non-monetary relief
Consumer complaint received 07/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: American Express is overcharging interest on card accounts based on reflected calculations on my end. After noting the issue with the company, they did n't have much to say other than that they had to forward it as a billing inquiry.
After demanding answers as to why they claim that the Interest was actually incorrect ( they admitted to that ), I was given a credit of XXXX cents that they claimed was auto-generated by their computer system. The XXXX cent credit creates even more confusion.
Here 's the breakdown of my calculations.
The cycle in question was between XXXX XXXX, 2017 and XXXX XXXX, 2017.
The Purchase Balance is in a promotional state until late XXXX, so 0 % interest is applied until then, so that wo n't be listed.
The Cash Advances Balance has a 26.24 % APR which comes to a .0719 % Daily Periodic Rate.
The Balance at the beginning of the cycle for Cash Advances was {$2300.00}. On XXXX XXXX, a total payment was made in the amount of {$350.00}. The minimum payment due was {$210.00}. {$210.00} SHOULD HAVE gone to the Purchases Balance where a remaining {$140.00} should have gone to the Cash Advances Balance.
As of XXXX XXXX, the Cash Advances Balance ( as a result of the payment ) became {$2200.00}. {$270.00} was the total Cash Advances Transaction amount for XXXX XXXX, a day later. The balance now became {$2400.00} for Cash Advances. On XXXX XXXX  the total Cash Advances Balance became {$2500.00} as a result of a Cash Advances Transaction total of {$25.00}.
So, you have ...
Cash Advances Balance from XXXX/XXXX/2017-XXXX/XXXX/2017 : {$2300.00} for 8 days Cash Advances Balance on XXXX/XXXX/2017 : {$2200.00} for 1 day Cash Advances Balance from XXXX/XXXX/2017-XXXX/XXXX/2017 : {$2400.00} for 2 days Cash Advances Balance from XXXX/XXXX/2017-XXXX/XXXX/2017 : {$2500.00} for 19 days You add these balances up to get a sum of {$73000.00}. Divide that sum by the number of days in the cycle ( 30 ) to get an Average Daily Balance for Cash Advances of {$2400.00}.
Take the Average Daily Balance {$2400.00} multiplied by the APR ( 26.24 % ) to get {$640.00}. Divide {$640.00} by 365 ( days per year ) to get a daily interest charge of {$1.00}. Multiply {$1.00} by the number of days in the cycle ( 30 ), to get a total interest charge of {$53.00}.
Their interest total was {$53.00}, a XXXX cent overcharge. As I mentioned earlier, they credited my account XXXX cents which does n't make sense. It should 've been XXXX cents credited and retroactive on the account so it would n't begin charging interest on the amount that was overcharged.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (IL).
Issue: Trouble during payment process

Complaint: I filed an insurance claim an submitted all documents to mortgage company. I called in XX/XX/XXXX to advise work completed. The representative I spoke with Advised to send in pictures and lien waiver to close the claim. I did ask a few times if an inspection was needed and advised no. 

On or around XX/XX/XXXX, I received a call asking for repair status. I advised what I was told back in XX/XX/XXXX. The representative advised an inspection is needed. I said to request one. 

I called in today asking for a supervisor to have the call reviewed and asked for explanation as to why wrong information was provided. The supervisor I spoke with, XXXX, was very short and did not want to assist. Said that the " bottom line is inspection is needed. '' I agreed and said I have no issue with that but wanted call reviewed due to misinformation. The supervisor said " yeah, I 'll have c/s pull it '' I asked for a follow up and manager name. XXXX advised I could not speak with the manager nor could a name, number or email be provided. 

I work in the same industry and in the same type of roll. I felt very unheard and treated like I knew nothing and there was no time to assist me or willingness to review the call for an explanation. 

I now have my contractor calling day for payment I ca n't provide due to this hold up. 

Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation