milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Wells Fargo has granted a temporary payment relief for XXXX month. Due to XXXX XXXX hitting Texas, devastating and flooding XXXX completely, preservation of life is currently the highest priority beyond anything else. The entire city, region, and vicinity is under water. Just take a look at any national news covering XXXX XXXX. Mail will not even be able to arrive to our house for probably weeks. I do not think I will even get the next Wells Fargo XXXX XXXX bill because of the flooding and the possibility that mail is completely drenched in flood water. Currently, it is impossible to return to work, get to and from grocery stores, or even be able XXXX XXXX to a hospital in the event of an emergency. Even if water recedes, in a couple days to weeks, or even months for some areas, it will be time before normal day to day activities will even begin to possibly resume. Both me and my co-signer are completely devastated and need time to manage the preservation of necessities to get Wells Fargo their money. I am sure Wells Fargo understands the devastation occurring in Texas all the way in XXXX XXXX, or wherever their headquarters are.

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 01/16/2018 about Vehicle loan or lease (Loan) with American Credit Acceptance, LLC (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I will attach a copy of the letter I am sending them but this is in fact the second or third time I have attempted to resolve this with them. They are charging me an interest rate that is illegal in my state. Last time I filed a complaint against them they ignored it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: I 'm addressing the fraudulent vandalism by BOA employees, to my house during the loan modification. My civil rites as a property owner, were violated by BofA employed agents to try to get me to vacate my property, when I was only one month in the rear in payments, and owned my house for more than 40 years and had XXXX BOA loans for more than 80 years. My XXXX XXXX XXXX stated that BOA was responsible for the damage, and cancelled my homeowner 's insurance policy. I took this up to the Department of Insurance, and they told me that you were working with litigation with Bank of America, also recommended I contact the BOA/ CEO president, he said that he could not speak with me because he was working with the state of California on litigation. 

We are XXXX and have limited income and are XXXX. We have a home which we have owned for more then 4 decades and was vandalized by BOA during their loan modifcations.

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 09/23/2015 about Credit card () with SYNCHRONY FINANCIAL (PR).
Issue: Late fee

Complaint: My credit card company charged me a late payment fee which I disputed and the company did waive the fee but now they have increased the minimum monthly payment because of the late payment fee, which they waived but somehow it is still affecting my minimum monthly payment and will be affecting it for the next 6 months. They refuse to make an adjustment to the minimum monthly payment and insist that the payments will remain as they are for the next 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (Medical debt) with Midwest Recovery Systems (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was admitted into the XXXX Medical Center Emergency Room on XX/XX/XXXX using my insurance through XXXX XXXX. A few months later, the doctor attempted to bill me through XXXX XXXX XXXX XXXX. I called XXXX XXXX who informed me that they had sent payment and that the check was never cashed. I contacted XXXX XXXX XXXX XXXX who I put into contact with my insurance company to settle the issue. I was assured the issue was settled and had forgotten about it until last year. I noticed a collections account had showed up on my credit report by a company called XXXX XXXX XXXX. I had called them and found the debt was resulting from XXXX XXXX XXXX XXXX claiming they had not been paid. I was told the account had been sold to another company and it would come of my credit report shortly. I was never notified by phone or mail that this debt existed except for the original bill in XX/XX/XXXX. In XX/XX/XXXX, the account once again showed up on my credit report through XXXX XXXX XXXX. I called XXXX XXXX and inquired about this bill to which they confirmed that the check sent to XXXX XXXX XXXX XXXX several years ago had once again never been cashed. They said they would send a check out immediately for payment. I called XXXX XXXX in XX/XX/XXXX and they had confirmed the check was sent. I then contacted XXXX XXXX XXXX XXXX who told me that the matter was no longer controlled by their accounts receivable, but by the debt collector. I called XXXX XXXX XXXX and was bounced from person to person over the phone. One person told me it looked like a payment had been made, but they could not tell me how much or what the remaining balance was. I asked for an invoice of the account and they agreed to send it to me. I gave them both my email and updated address, but still recieved no statement. I called again a week later and was given the run around once again with a promise of an invoice, but no reconciliation. Today, XX/XX/XXXX, I was called by XXXX XXXX XXXX and advised that the debt needed to be payed today to avoid them having to tell " their client '' ( I assume XXXX XXXX, but they would n't tell me ) that I was defaulting on the debt. I asked once again for an invoice, but was brushed off as the operator insinuated that it did not matter. It seems time and time again as the debt collection employees are very nice until I tell them that the debt is invalid in which case they became very confrontational and attempt to get me to pay them anyway. Why would I pay for a debt that I can not even confirm with an invoice? I would really just like to get this sorted out between the three parties, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (NV).
Issue: Managing the loan or lease

Complaint: 1. XX/XX/2015 (? ) I cancelled autopay for XX/XX/2015 and then asked about late fee and I was told there was a 13-day grace period before late fees would be posted. Rep 's actions and info had me breathe a sigh of relief and asked to speak with his supvsr to give him a compliment. 

2. XX/XX/2015 : Autopay went thru anyway. I called again rep stated that autopay had been cancelled but had not posted on their system yet so if it did not show a reversal on XXXX to call back on XX/XX/2015. 

3. XX/XX/2015 : Called, explained the entire situation AGAIN and this time was told could not reversed because it would put my acct into late status ( regardless of 13 day grace period ). Asked for supervisor and rep was on hold too too long attempting to get a supvsr, ( acc to bank policy ) and she would have to end the call. I was not allowed to hold any longer. 

4. Called again and THIS time I was told the cancellation had to have been two business days prior to scheduled autopay for it to be effective Spoke to supervisor who told me nothing could be done. Asked for HER supvsr and was told there was no one else who could help me. 

I was ( am ) having financial difficulties as it is, and NOW my checking acct with a different bank is overdrawn and will have to pay approximately XXXX in overdraft fees! 

AND prior to this, on XX/XX/2015 ( I think ) I was taking care of a pymt and when asked to verify my address they had an address in a city and state where I have never been in my life. They said they made the correction but just in case I called again and they still had the wrong address. So far now, I think, my address is correct again. I am still waiting for an answer as to how and why this happened. Because of the wrong address, I did not receive a stmt and the reason I had to cancel the autopay to begin with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-10-2015 about Prepaid card (General purpose card) with U.S. BANCORP (CA).
Issue: Fraud or scam

Complaint: I purchased a prepaid MasterCard and when I went to use the card, it was declined. I called the number on the card and was asked to fax my receipt in and a new card would be issued. It has been 3 months and several phone calls later and still have n't received the new card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (MN).
Issue: Loan modification,collection,foreclosure

Complaint: I started a short sale process XX/XX/XXXX and had multiple offers on my home at XXXX XXXX XXXX, XXXX XXXX, MN XXXX. The bank responded to the first offer presented to them as being too low to meet the requirement. They sent me an appraisal with the minimum net offer amount. My realtor then presented them with a 2nd offer on XX/XX/XXXX after several attempts to get them to clarify the net amount. The net amount for the offer was {$120000.00} to begin the negotiation process. The offer was to expire on XX/XX/XXXX. We did not hear anything from the US Bank negotiator until XX/XX/XXXX with a request for bank statements from XXXX XXXX, a Default Resolution XXXX with US Bank. His request for my bank statements went thru my realtor, which I thought was strange. A realtor usually does not collect financial data on its clients. My realtor forwarded the request to me and I sent both XXXX XXXX and XXXX XXXX, who was then my relationship manager at US Bank my bank statements. XXXX sent a confirmation of receipt of my bank statements. However, I never heard back from XXXX XXXX about the offer presented to the bank on XX/XX/XXXX. As the offer expiration approached, my realtor XXXX XXXX and I made several attempts to get some sort of response from the bank. The very motivated buyer extended the offer to XX/XX/XXXX in hopes of getting a response from the bank due to an email received from XXXX XXXX on XXXX stating that the loan review was escalated to senior management and allow 2 weeks for XXXX to be contacted by the negotiator or another XXXX. We never got a response about the offer. The buyer and my realtor then walked away. I sent in a request for a deed-in-lieu of foreclosure on XXXX/XXXX/15 due to the banks failure to respond to offers. I also filed a complaint with their Default Complaints Escalation Center of US Bank Home Mortgage about the offer and the failure to respond to the offer in a timely manner XX/XX/XXXX. I did receive a response from the Default Complaints Escalation Center on XX/XX/XXXX, I received a letter referenced Loss Mitigation Summary Information that stated that my Short Sale was not approved because " We have yet to receive a sufficient short sale offer that meets program requirements. '' and DIL was " '' The application did not indicate interest in in pursuing a deed-in-lieu and therefore you were not reviewed '' and it did not mention that US Bank Home Mortgage failed to respond to my last purchase agreement which forced both the buyer and realtor to abandon the offer. 
I have since spoken with several staff at US Bank Home Mortgage who have acknowledged " dropping the ball ''. However, they have not repaired my credit, nor have they tried to do a " deed in lieu. '' The repeatly cover up their mistakes and deny any wrong doing on paper. I would like the bank to regulate short sales with big banks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (I do not know) with I.C. System, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: UPON CHECKING MY CREDIT REPORT I NOTICED A COLLECTION COMPANY IC SYSTEM INC REPORTING ON ALL THREE OF MY CREDIT REPORTS. I WAS UNAWARE OF THIS COMPANY AND DID SOME RESEARCH, TO MY KNOWLEDGDE AND ACCORDDING TO FLORIDA OFFICE OF FINANCIAL REGULATIONS IC SYSTEMS IS NOT LICSENCED NOR BONDED IN THE STATE OF FLORIDA TO COLLECT ANY ALLEGED DEBT IN THE STATE OF FLORIDA. THEY ARE IN VIOLATION AND CAN BE FINED ( please see attachments ). PLEASE DELETE IMMEDIATEL BOTH ALLEGED UNPROVEN ALLIGATION OR ILL BE FORCED TO FLE A COMPLAINT

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 09/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied International Credit Corp., (US) (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter in the mail from Allied International Credit Corp on XXXX/XXXX/2016. The letter states that XXXX has turned over a debt of {$93.00} to them for collection. I do not have an XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/2017 I worked with a company XXXX XXXX XXXX who " bought '' a credit card debt from XXXX XXXX. In a good faith effort to pay that debt and clear it up, I paid the " OFFER '' amount to settle it in full for XXXX out of XXXX owed. I paid the XXXX to the collection company on XXXX 's behalf and XXXX refused to and still refuses to show " settled paid in full '' according to my agreement with XXXX, XXXX who provided me with a letter stating " Settled in Full ''. 
IF XXXX  is representing as XXXX XXXX collector than I should be given the curtesy of having my account reflect the fact that I did the right thing and paid the agreed Settlement amount.

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 07-06-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I contacted Equifax around XXXX XXXX because I had not received a response back from the alleged creditor. So I was disputing this inaccurate information pursuant U.S.C sec 1692g XXXX b ) : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 

I called Equifax on XXXX/XXXX/2015 and spoke with XXXX. When I contacted the CRA they refused to remove the information and stated that I did not have the right to validate the debt because I was not the CRA which is not correct by law.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: My complain is with Experian. My questions are : Why does a data furnisher ( XXXX ) have more authority than United State court documents? Why are United States courts not being used to verify information? How can you use a data furnisher ( XXXX ) that is providing you ( Experian ) invalid information to verify that information is correct? The letter Experian sent to me is invalid because it does not provide the reason United States court documents can be used to verify information. Also, select portfolio has been calling me at XXXX XXXX since I started this dispute with Experian. My lawyer has sent them a letter to desist calling me 2 times. Experian says they will not longer investigate this complain.

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 12/13/2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Using a debit or ATM card

Complaint: Dear Sir/Madam, I am writing to express my concerns about a behavior of Scottrade Bank and their affiliates which may have adversely exposed my personal information and lead to identity theft and fraud. 

Specifically, in going through my records in order to better understand how I could resolve ongoing identity theft, I discovered that when applying for a bank account at Scottrade Bank, Scottrade Bank improperly handled a number of documents which had very personal information on them. The actions of Scottrade Bank not only broke from the current standards of data security but also broke Scottrade Bank 's internal policies regarding handling customer information. 

Specifically, on or around XX/XX/2013 ( XXXX XXXX ), XXXX XXXX, a regional manager from Scottrade Bank offered to receive Scottrade Bank account application documents via email. Email is a notoriously insecure medium of communication yet XXXX XXXX allowed and offered to receive the documents via email, despite the fact that it was against Scottrade Bank 's internal policies and does not have any of the normal safeguards in place to handle personal customer information. The XX/XX/2013 email contained PDF attachments that included my full name, signature, address, bank account numbers, Social Security Number, and other very personal and sensitive information. 

As is clear by Scottrade 's online disclosures and policies, Scottrade Bank states that it will never transmit customer information over email and or ask for or receive personal information via email, however, XXXX XXXX, a manager at Scottrade encouraged me to send the information by email to expedite the process, with no disclose of the security concerns. 

I am writing today to ask Scottrade to explain why they let my personal information be transmitted in a way that puts me at significant risk to identity theft. I would also like to know what the current status of the email and personal information is, has it been deleted, has it been accessed, are emails records secure, who could have gained access, was the email accessed via HTTP or HTTPS, was it confirmed a secure connection? 

The actions of XXXX XXXX, put me at my personal information at risk and could have likely been the direct cause for hackings that happened weeks latter and accounted for over XXXX of fraud.

Company response to consumer: Closed
Consumer complaint received 04/28/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IL).
Issue: Deposits and withdrawals

Complaint: FYI, On XXXX XXXX, XXXX XXXX XXXX called his XXXX account to check the balance. He discovered that his account balance was {$12000.00} in the negative. He contacted his father to see if he had any knowledge of why his account would be negative. 

On this same date, XXXX XXXX XXXX went to a local XXXX Bank, XXXX XXXX, Texas branch to discuss the account. At this time, it was revealed to him by the local branch that there were XXXX online transfers from his XXXX to his USAA Federal Savings Bank. 

XXXX XXXX XXXX advised the bank that he never authorized the transfers. On this same date, he was advised that there was a USAA local branch in XXXX XXXX, Texas that he could visit to discuss the transactions. 

On this same date, it was revealed to XXXX XXXX XXXX that his accounts was fraudulently taken over. Additionally, he was notified that someone somehow gained access to his account, requested a debit card, changed all security notifications to a number. 

Last information on the account is that all of the charges are over {$25000.00}. 

USAA Fraud Department XXXX x XXXX ; Case # XXXX USAA has informed us that the violator requested a debit card from USAA and that the debit card first XXXX digits are : XXXX the last XXXX digits are : XXXX The debit card was sent to : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX violator 's Cellphone # XXXX USAA has since informed XXXX XXXX XXXX that they have made a business decision to terminate his membership and has determined that all funds owed are his responsibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Student loan (Non-federal student loan) with DISCOVER BANK (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I co-signed a student loan for $ XXXX for my daughter that originated from XXXX and subsequently sold to Discover ( we never received any notice of this takeover ). 
After the takeover neither my daughter nor myself received any statements about loan payments due ; then earlier this year Discover started sending notices the loan was 6 months past due and also started the negative reporting to the credit bureaus ( XXXX, XXXX, etc. ). Due to the ineptness of Discover my credit numbers have taken a nosedive by approximately XXXX points. Is the penalty against Discover cover anything about restoring my credit numbers? If so how much time are they allowed to get it corrected? If there is no provision about credit rating restoration why not? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Equifax continues to report my child support payments. These payments are not a loan or revolving credit. I have never been late on these payments and i want them removed from my credit report. I've asked Equifax to remove the payments from my credit report but all they do is tell me that the information is correct and they continue to report it.

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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was one of the victims of Equifax who 's information was potentially stolen in their security breach.

Company response to consumer: Closed with explanation