milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Because I had a bankruptcy over 4 years ago and my loans were not re-affirmed, which is normal procedure even by  Wells Fargo  's statement,  Wells Fargo  does not report the loans to the credit agencies. This makes it impossible for me to refinance my mortgages which have an interest rate of 6.5 %. I contacted  Wells Fargo 's   Customer Care and  Recovery Group, wh ich is the highest customer contact point at    W. F., already twice and was given the same answer. In other words W. F. holds  me  hostage to th eir high interest rate.   The mortgage loan Nos. in question are :  XXXX ,  XXXX  , XXXX . These loans are for  XXXX  different properties.   Thank in advance for your assistance.

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 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This has been a very difficult year with credit in every way you could think of. Ive recently received alerts on my credit products on XXXX, Experian, and XXXX. I have been affected in the past and I dont know why your company continues to place unrecognized Accounts and inaccurate inquiries on my credit file. The following accounts and inquiries were placed on my credit file. No one contacted me to get my consent and that is a definite violation of The FCRA sections 604, 609, 611, 605B. I have attached a letter, and several photos as well. I am really frustrated with your credit Bureau and Im now filing a lawsuit against XXXX, Experian, and XXXX for placing false inquiries & Accounts on my credit file without my consent. Seems like you guys are treating this situation as a joke and I find that to be unprofessional. Please do not place no fraud alerts on my credit file. Just contact me in the future or have all creditors contact me for new future account. You should be ashamed of yourself for not taking the proper precautions to insure my credit file. I have contacted each bureau and have been placed on uncomfortable hold on the phone, supervisors hanging the phone up on me. I have spent hours on the phone trying to contact each Bureau when I was aware of this matter. No one is cooperating with me and i am left with no choice but to approach this situation through legal actions. There is no respect because I am unaware of all the inquiries and accounts this has been a situation that has been on going for the entire year and Im tired of the XXXX. You have caused XXXX XXXX and more symptoms to my physical body and my XXXX XXXX. Please be aware that you will have to pay court fines and a fine of {$20000.00} for causing damages to my XXXX XXXX. I need to be compensated with a check that will pay my doctor bills. You can negotiate it with my lawyer. I am no longer in discussion with your company at this point since I have filed a lawsuit. Inaccurate Account information

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 08/23/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I have a C & XXXX against Midland and they still called my work cell phone. I attached the voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Vehicle loan or lease (Loan) with BB&T CORPORATION (KS).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: i bought my daughter a used car 2 years ago. i didn't have a down payment, but the dealer said he could find me a lender. I have decent credit. XXXX XXXX XXXX, of XXXX Alabama approved a loan with interest of between 26 % and 32 %, but are actually charging 6.26 % PER DAY. It was supposed to be a 3 year loan, but some how turned into a 66 month loan.my monthly payment for a XXXX XXXX XXXX is {$320.00} per month.of that {$140.00} is applied to the principal and {$170.00} is applied to interest. I was assured, that if I was timely on my payments I could renegotiate my interest. I've never missed a payment nor have i ever been late, but they wouldn't renegotiate.

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have recently become a victim of identity theft and have been in the process of cleaning up my credit report, however I am having a difficult time having Transunion remove XXXX unauthorized credit inquiries from my credit report. I have already contacted Transunion and filed the dispute and I wrote letters to the companies that did not have my permission to pull my credit. I do n't know why Transunion will not remove them. Today is XXXX XXXX, 2017 and the inquiries are still on my report. I would like them removed immediately. The XXXX inquiries in question are 1 ) XXXX XXXX pulled on XXXX XXXX, 2017 and the 2 ) XXXX XXXX pulled on XXXX XXXX, 2017. Please remove these from my file as I did not authorize any pull of credit.

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 04-11-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I called and requested for my PMI to cease at 80 % but was told I could only get it to stop at 78 %. I then received a letter that stated " even though you have met the 5 year requirement your request to cease PMI is denied because your principal has to be lower thanXXXX but your principal is XXXX so you claim is denied. I had to look for a new company to refinance my loan because of this which put a burden on my family. I incurred cost of the refinance and paid more PMI than I should. I feel this was a tactic for Wells Fargo to obtain more intrest and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I fell upon a hardship where I was unable to pay this debt in a timely manner. While I have settled most of the debts either through arbitration where I have made an offer that was accepted, others have sued me in court for the full amount. I am now on a fixed income and can not repay the debt. I live in the state of California and the debt has been turned over to a collection agency who is not the original lender. ( This is a Credit Card ). It continues to show up on my Credit Report and prevents me from improving my Credit Score to raise my standard of living. The debt ( s ) are more than ( XXXX ) XXXX years old and continue to haunt me. I believe that statute of limitations in California is ( 3 ) three years. Please advise me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I actually never once received a bill from either the medical company or the debt collector. I only found the bill myself when I was purchasing a home and it was on my credit report. I called about XXXX numbers before I found XXXX working service. I paid the bill because I dont want it on my credit, but I never received a bill or phone call from either company. I had moved during the time of service XX/XX/XXXX until now XX/XX/XXXX but had my mail forwarded each time. I would have received communication had they called or sent the bill. This hospital had several bill for me during this time and never sent a bill to me for any of them. I now have to have this on my credit because the debtors wont take it off even though I never recieved anything for it and tracked it down myself and paid it!

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX/XXXX/2015, Equifax, which merged my credit report with that of my sister unlike XXXX and XXXX, has sent me an email, indicating that the results of one of the disputes that I had started with them ( dispute confirmation # XXXX XXXX are now ready for me to view. Their so-called investigation results say that Equifax " verified '' that the items that belong to my sister, NOT me, belong to me, which is impossible! And I know, for a fact, my sister has NEVER used any of my information because the loans, installments, debts, credit cards, etc. that Equifax claims are mine do NOT show up on my XXXX and XXXX credit report as XXXX and XXXX show ONLY the loans, installments, debt, credit cards, etc. that belong to me. This is purely the fault of Equifax and their incompetent staff. They are the ones that started this mess yet they refuse to fix the very mess they created in spite of my wasting weeks trying to help them fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (DC).
Issue: Loan servicing, payments, escrow account

Complaint: I wo n't bury the lead ; Wells Fargo lost {$20000.00}. 
In XXXX, I refinanced my mortgage with Wells Fargo and wrapped about {$20000.00} into the mortgage, keeping the line of credit open. ( Credit limit ; {$20000.00} ) Since then I drew {$5000.00} on the account. To my horror, I received a letter two weeks ago that my account was in default, I was over my credit limit and that the balance due was {$25000.00} ( impossible since I had just paid down {$20000.00} ). I assumed this was a simple clerical error that could easily be resolved. However Wells is insisting it wired the XXXX to my title company. Why they would do this I do not know. However, they have been unable to provide a wire transfer number and my title company has not received the money. 
I have spent at least an hour on the phone every day for the past 10 days. The lawyer at the title company has done the same and yet every time we call we get a clueless customer service person who promises to open a ticket. 
This is a most urgent concern since Wells claims I owe {$5000.00} by XXXX XXXX or the account will be in default.

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 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Checkr, Inc (NC).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: On  XXXX   XXXX ,   XXXX  , the service calle d Checkr was a sked to run a background check by my potential employer-  XXXX   XXXX   XXXX   XXXX   (    XXXX   ). When I received a copy, there was a charge that was completely incorrect included in the report, and it is keeping me from getting my job. I have never been guilty of a felony in all my life! This charge was thrown out, because I was coerced into taking a plea for things I did not do. I had this same problem with a company called  XXXX , also with  XXXX , but they did correct the issue. Unfortunately,  XXXX  is no longer using  XXXX , so they wanted to run anoher check with their new company, Checkr, and I 'm having he same problem. I applied for this job back in  XXXX , so I am getting fed up.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (I do not know) with Sequoia Financial Services (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received a letter from Sequoia Financial Services ( based in XXXX XXXX, CA ) a few months ago that my wife owed a debt of {$1500.00} to " XXXX XXXX XXXX '' that they were trying to collect. My wife and I have never been to that city, and are both on top of our debts. I ignored the letter. 
Received another letter ( dated XXXX/XXXX/XXXX ) that they were adding interest and would ding our credit score if we did not pay. I looked up Sequoia Financial on XXXX and all the reviews said this company is a scam. I checked both of our credit reports, and both are fine, no missed payments. I ignored the letter. 
Have now received two phone calls from this company, asking for my wife to contact them. We have not returned the phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/16/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (NM).
Issue: Deposits and withdrawals

Complaint: I was charged XXXX apparently for a XXXX. Cent overdraft fee. Then the " service charge '' that ive Never been charged before kicked in, resulting in the bank pulling my rent back into my account so they could charge me this " fee '' I canceled my account and will be banking elsewhere after 20 years of loyalty ... XXXX compass!

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Vehicle loan or lease (Loan) with Automotive Credit Corporation (TN).
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint: I had filed bankruptcy and the company is still reporting this on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Debt collection (Medical) with Remex, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: while i was checking my credit score i found my score went down from XXXX to XXXX then i checked everything i found account from remex inc for debt collection {$75.00} i did not know for who i called them they did not give me enough information but they told me its from XXXX hospital, but that is wrong i have complaint against hospital for {$1200.00} and the hospital did not send me any statment for $ XXXXand also remex collection agency did send me any notice about that how they give themselves the right to report me and destory my credit becuse i complaint fraud XXXX hospital

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Vehicle loan or lease (Loan) with BMW Financial Services NA, LLC (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I financed 2 cars through BMW financial services on XX/XX/XXXX and XX/XX/XXXX. They were both taken from me ( repo ) on XX/XX/XXXX with a one day notice. They were taken because of where they were located and not for missed payments. They said that the contracts states that the cars must be garaged at the address on the contract or I am in breach of contract. A BMW financial employee that represents the company was personally looking at my social media accounts such a XXXX and XXXX. He actually wrote a letter stating that was not true and also that the cars were picked up because he thought they were being used as rental cars. I have disputed all of this because it is not true. They took both cars and did not allow me to make payments on my accounts ( locked out ). One car is showing {$0.00} balanced owed repo and the other is showing {$80000.00} balanced owed repo. As you can see I only had the cars for 2 months before they aggressively took them. I do believe the individual I mention in this email is the same person that ordered my cars to be repo. The credit reporting on these 2 cars are effecting my credit in a very negative way. I bought over 10 cars from BMW over the past 5 years and never had any issues before.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Debt collection (Auto) with EXETER FINANCE CORP. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had an auto repossession on XXXX from Exeter Finance Corp due to my illness with XXXX XXXX. Exeter sold the account to XXXX XXXX XXXX. When I had my credit report pulled XXXX XXXX is reporting the date placed for collection as XXXX/XXXX/XXXX, which is not the original date the account was placed for collection. I disputed the date with XXXX, and XXXX did not update the " date placed for collection '' which was in XXXX. I need this updated as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I will continue filing complaints until Chase decides they are willing to help me and the XXXX of other borrowers in financial distress and no way out. I have repeatedly asked chase for some type of modification to lower my loan payments - denied every single time by Chase. I desperately want to pay my loans, as well as my cosigner but we are in desperate need for some type of relief. XXXX, when I spoke to them on the phone, informed me that I can only get a modification once every 12 months - this was not disclosed during the initial round of questioning when I first requested lower payments. What is happening here is completely and utterly wrong - I am begging Chase to make payments that are lower than the current payment. I am not understanding why a agreement can be made to allow me to continue to afford food and living expenses as well as paying my loan. Thank you for issuing a non certified student loan and being unwilling to help the borrower make payments to the loan. PLEASE ALLOW ME TO LOWER MY PAYMENT TO THE XXXX THAT WAS AGREED UPON ORIGINALLY. PLEASE EXTEND THIS FOR 6 MONTHS THAT IS ALL I AM ASKING.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: Closing/Cancelling account

Complaint: In XXXX 2015, I received email from Sears/Citibank asking for verification of a suspected fraudulent {$650.00} purchase made in another state. I called and confirmed that this was not my purchase. I have not been contacted since, so I logged into their website to get a contact number to check on the status of the fraud investigation. Much to my surprise, I found that my account had been closed. When I called customer service, I was told that my account had been closed 2 days after my phone call in XXXX. However, I was not notified that the account was closed nor did I receive a replacement card. They were unable to provide an explanation for the lack of notification on closing the account or the lack of a replacement card. The rep also told me that the amount of the purchase was {$65.00}, which was considerably less than the amount listed in their email from XXXX. When I asked if a replacement card would be issued, I was asked to provide my entire checking account number to verify my information. They were also unable to provide a current status on the fraud investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Rewards

Complaint: On XXXX XXXX, 2016 I closed my Citi ThankYou Premier account. The auto-generated message said that I will have 60 days from the date of closure to redeem ThankYou Points. I have called to inquire about the rule since I had an open Citibank ThankYou Prestige card under the same account. I was told that since points were transferred to another current account I have 90 days to use whichever points were earned on the closed account and given that the points are pooled I will see a message under 'my summary ' with exactly the number of points I have expiring and when. I have checked on XXXX/XXXX/2016 and there was no message alerting me of points expiration. Today I have logged in to redeem the points for a flight and I see that XXXX ThankYou points are gone from my account : 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 01/14/2017 about Bank account or service (Checking account) with SYNCHRONY FINANCIAL (FL).
Issue: Making/receiving payments, sending money

Complaint: I woke up to an email from Credit Care that an online payment was made for {$500.00}. Which i did not authorize and it will make EVERYTHING including my mortgage BOUNCE. I did not authorize the payment on XX/XX/2017 to CareCredit for {$500.00} XX/XX/2017 XXXX PAYMENT - Date Posted:XX/XX/2017 $ XXXX. 
I called the Security Center at Member Benefits at XXXX and spoke with XXXX. She was not concerned with the UNAUTHORIZED charge and I heard a female voice listening and laughing. I asked to have my account closed so that I may go to XXXX XXXX XXXX XXXX as they are professional and take SECURITY seriously. She said that she could NOT do anything to assist me. I am now writing to the Consumer Financial Protection Bureau, the XXXX and The Federal Reserve to report XXXX for not assisting with my SECURITY of my CHECKING 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 09/28/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: EXPERIAN IS SENDING ME A PIECE OF PAPER TO VIEW THE CREDIT ONLINE ... I HAVE NO WAY TO DOWNLOAD THAT REPORT IN PDF. EXPERIAN ONLY ALLOW A FEW TIMES TO VIEW BEFORE EXPIRY. 
I HAVE NOT RECIVED POST INVESTIGATION CREDIT REPORT IN PAPER FORMAT AS OF THIS DAY.

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