milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-03-2017 about Mortgage (Other type of mortgage) with U.S. BANCORP (DC).
Issue: Trouble during payment process

Complaint: I attempted to make my first mortgage payment to  US  Bank before the due date by phone  XXXX   XXXX   XXXX   XXXX .  US  Bank informed me that they would charge me $  XXXX  {$5.00} as a service fee if I wanted to pay by phone. I hung up as I would make the payment next week ( on  XXXX   XXXX  ) once I had internet access and could pay online.     On  XXXX   XXXX ,    2017 I  attempted to set up automatic payments, but was informed that the first payment could not take place until  XXXX  as it was now past  XXXX   XXXX . I set up automatic payments and then undertook the additional process of making a  one  time payment. I noticed that I was going to be charged a {$5.00} convenience fee for paying online. I called  US ba nk to try to identify a no fee way to pay my mortgage, and they informed me that I could open  a US B ank account to avoid the fee if I wanted to. They refused to waive the fee, even as a  one t ime courtesy.     I suggested that they  may be  in violation o f Dodd Frank, as this fee was never disclosed to me in the mortgage signing process. They assured me th at this is how they treat all of their customers.     I lost {$5.00} because of this deceptive practice.

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 01/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: American Express has been fraudulently charging a different charge to my account every other month. Each of these charges are from a different one of their ( American Express ' ) subsidiary companies. See attached. While they are eventually reversing the charge when I complain, I suspect that they are doing this as people may not notice the occasional charge and ask for it to be reversed. The reason that I notice it, is because I do n't use my card, and these are the only charges that are on the account. I want to cancel my card, but I cant as I am constantly having to reverse the latest charge. There is nobody else other than American Express themselves who are doing this, as fraudulent individuals would not be generating different subscriptions to magazines or services owned by American Express every other month.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (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 ( 6 ) six 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 07-07-2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX my husband and I were approved for a Modification on our XXXX mortgage for our primary residence. The XX/XX/XXXX Modification got rid of our payment for our XXXX mortgage. Throughout the winter of XXXX we had trouble making our mortgage payments, I have been in continuous contact with ASC ( Wells Fargo ) starting around XX/XX/XXXX until now ; keeping them informed of our situation and when we would be able to make payments. In XX/XX/XXXX ASC sent us a Modification Application Packet to fill out and return. We filled out the paperwork, but did not return it as it stated " If you 're modifying a mortgage that has been previously modified, we need to let you know that if you proceed with a new Trial Period Plan or modification your existing terms may be impacted. '' I have a very important question regarding this statement and do not want to proceed with the modification application until this question can be answered ( I do not want our existing modification terms to be affected if we fill out and are approved for a new modification ). I attempted to contact our home preservation specialist ( XXXX XXXX XXXX XXXX ) at ASC for XXXX months. At XXXX point during that XXXX months, I called her directly everyday for XXXX weeks straight, she never answered or called me back. I also spoke with customer service at ASC many, many times. I asked them my question and they told me that the only person who can answer that question is our specialist for our file. ASC 's customer service people attempted several times to contact our specialist via Instant Message, e-mail and phone calls, while I waited on hold ; she never answered or returned their requests either. Last week we received a letter in the mail from ASC 's attorneys ( XXXX XXXX XXXX XXXX ). This letter stated that they are representing ASC in the foreclosure of our home. I called ASC once again. The person that answered the phone at ASC informed me that we have XXXX options : We can pay the past due balance to reinstate the loan, or we can apply for a modification. I told her I want to apply for a modification ; she informed me that the only person who can do that for me is our specialist ( XXXX XXXX ). Once again, the customer service person tried to contact XXXX ; she never answered or returned the request for communication during the XXXX and a XXXX that I was on the phone with customer service. Since I received this letter on XX/XX/XXXX I have called ASC XXXX times and have been unable to reach XXXX. I need to know if this new Modification will affect our first modification, a question that everybody at ASC is telling me that only XXXX can answer. Also, ASC customer service is telling me that XXXX is the only person whom I can speak with to proceed with the new modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt was a result of identity theft my husband was a victim too. 
This debt is reported to my credit report as a debt in collection. 
When I called the creditors ask what is this about they claimed NOT to have me in the system as if I owed them anything. They asked was I married and I responded yes. My husband is the one who " they '' claim owes them this money. After never knowing about this till know we come to the conclusion we have been a victim of identity theft. My husband never opened an account with whom they claim he owes money to. When we ask to please remove this collection from my credit bureau they claim NOT to have linked my husband debt and my credit line. 
So why is this showing on my credit report. 
I want to resolve this issue ASAP, because I want to purchase a house before the market rises. I have NOT gotten the chance to do so because of this tangled web! 
Please help or fwrd my info to the right department. 
I truly appreciate all the help.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 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: There is a collection from  XXXX   XXXX  for {$2400.00} that has been showing up on my credit report for a couple of years now that I have been disputing. I was staying with my sister during this time frame.

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 01-01-2018 about Student loan (Federal student loan servicing) with LICTY, INC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Repeat phone calls and emails to put me in a XXXX XXXX XXXX forgiveness plan. I XXXX XXXX XXXX and have for XXXX years. I talked with XXXX @ XXXX XXXX XXXX and gave info and signed off logically on their service. I sent no money but have gotten no info. They have my banking info but no moneyXXXX XXXX XXXX so there is none.

Company response to consumer: Untimely response
Consumer complaint received 10-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/2016 I requested that Citibank close my checking account # XXXX. On XXXX/XXXX/XXXX I was charged a {$12.00} low balance fee. The next day, XXXX/XXXX/2016, I was charged a {$34.00} overdraft fee leaving my closed account {$46.00} overdrawn. This is not the first time Citibank has charged me excessive fees on a closed account ( see case # XXXX ) and this indicates a pattern of charging excessive fees. I want Citibank to refund all fees a close this 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 monetary relief
Consumer complaint received 02/22/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: We endorsed and signed a Warranty Check to Wells Fargo the insuranceclaimscheck, of which they placed into an restricted escrow account. This check was issued XXXX/XXXX/XXXX. and deposited on XXXX/XXXX/XXXX. The time lapse between receiving the check and depositing the check is because Wells Fargo was confused on how to handle and make the funds available. On XXXX/XXXX/XXXX ; XXXX sent in a estimate on how much it would cost to fix the foundation. After fumbling around for weeks, back and forth with different representatives they did n't understand or knew what they were supposed to do, after specking with a representative at the local bank, ( XXXX ) became interested in trying to get to the bottom of the issue. Thanks to ( XXXX ) we were finally able to get someone to handle the check. From XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, the local banker ( XXXX ) XXXX and XXXX the home owner ; became very frustrated with being toss around as if no-one cared about taking care of our situation. Finally after 24 day of fusing and waiting, Well Fargo released a check for the lifting of the foundation. Now that the foundation is done, calling Well Fargo to know our next steps. We are told that we must have the plumbing checked. On XXXX/XXXX/XXXX, the estimates were sent in. We did n't receive a check from Well Fargo until XXXX/XXXX/XXXX ; this was for the plumbing hydrostatic test. The plumbers came out two days later. Right after this test, the paperwork was forwarded to Wells Fargo insurance claim check. We were told that because we were using he same company that we did n't have to send any other information dealing with the company. Well that was a lie ; we had to get the proposals signed by the plumbers and home owners plus another conditional waiver of lien, of which we were never told nor called. So four days later, I call. Now I 'm told that we must have an inspector out to the property to inspect all that 's been done. Well ; Wells Fargo was call back in XXXX XXXX about sending an inspector out to the house because that is what they told us and this information is also on the home recovery kit. So now we are placed on hold again because of Wells Fargo slothfulness and we are tired of they treating us this way. Our home plumbing system backed up because of not releasing the fund so that the plumbing could be fix. This is just extremely too long of a process and no-one should have to go through this.We are still waiting on the inspector and the plumbing to be 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 explanation
Consumer complaint received 08/17/2017 about Debt collection (I do not know) with Apelles, LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX calls about a debt and never says what the debt is. This company harasses my family and friends and they need to stop calling!

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: In early Spring XX/XX/XXXX, I was on XXXX XXXX and finishing my last semester of XXXX  school. My degree program was an XXXX XXXX in XXXX XXXX. I am a XXXX and had hoped to go into leadership a few years after my XXXX XXXX. My loans were serviced by XXXX XXXX at the time and eventually the company transitioned to Navient. I had planned to consolidate all of my loans and take part in the Public Service Loan Forgiveness Program. I attempted, with all clarity, to consolidate my loans.Thus, from XX/XX/XXXX to XX/XX/XXXX, I  followed the process and completed paper work as outlined by XXXX XXXX ( Navient ) and tried to fulfill all deadlines as detailed by the company. In XX/XX/XXXX, shortly after the XXXX XXXX XXXX XXXX, I received notice of payment and paid the amount due on what I thought were all of my consolidated loans. In XX/XX/XXXX, I receive a payment a payment invoice of 5-6 times what I paid in XX/XX/XXXX. It was not over {$3000.00} -- far more than I make in a month as a XXXX. I did not understand what had changed? I thought that I had consolidated all of my loans and that amount paid in XX/XX/XXXX was the amount that was due consistently. Unknown to me, My loans were not all consolidated, unfortunately. I had over 30 smaller unconsolidated loans with a few consolidated loans on my account. I experienced XXXX  XXXX and multiple bouts of illness following the XXXX XXXX XXXX XXXX. I had been out of work numerous ( I have forms signed and dated by my XXXX XXXX ). 
It has been multiple years and multiple attempts to have Navient clarify the terms of my loan an assist with my understanding of affordable terms for repayment. I have lost years of being able to use the Public Service Loan Forgiveness Policy. I have incurred multiple derogatory marks on my credit report for loans. I feel that this is unfair and unjust. When I finally received adequate counseling from another source ( XXXX   XXXX XXXX XXXX XXXX ), I was able to understand and navigate the process in XX/XX/XXXX of full loan consolidation and repayment in XX/XX/XXXX. However, Navient played no role in this measure. When I spoke to the Department of Education about my loans in XX/XX/XXXX, I was told that it was very odd to have a few consolidated loans on an account. This has been very harmful for me and my family. Particularly as I have been trying to rebuild after XXXX XXXX. The damage done by Navient in making loan terms confusing and making repayment difficult and untenable have damaged my credit to a detrimental degree. I am requesting assistance and help.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Trouble during payment process

Complaint: A new servicer took over our home loan recently and has started charging a service fee of {$15.00} for regular online payments using our bank account. Our previous servicer never charged us a fee to make regular online payments. I disputed the charge the first month over the phone and it was waived. I was able to make a payment online last month without a charge. This month the website indicated I would be charged {$15.00} to make the payment. I called on the phone and disputed this again. The said the lowest they could charge would be {$10.00}. I told them that if they insist on doing this, I will file a complaint with CFPB. I was forced to make the extra disputed {$10.00} charge to make sure the payment would be there on time within 4 days left in my grace period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: OnXX/XX/XXXX, XXXX performed a hard inquiry that appeared on my Equifax credit report. Equifax will not remove this upon request, as they state this inquiry is a matter of fact. I do not have an account with XXXX, nor was I in contact with them at any point during this time period. This is an unauthorized or fraudulent inquiry. On XX/XX/XXXX, I contacted XXXX to have this removed. I spoke to four representatives on two separate occurrences and was give two answers : First I was told that this inquiry was not done - this is factually and indisputably false. Second, I was told there was nothing they can do to help me, which is a blatant violation of FCRA. Nobody I spoke with can provide any record of this being authorized, so by law it must be removed. I demand that the proper steps be taken to take this unauthorized inquiry off of my records.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with On-Site Manager, Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On-Site corp., is a background reporting agency, contracted by XXXX XXXX. 
On-Site reporting agency. On-Site.com, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. 
This agency reporting inaccurate information. The agency alleged they are using Information they say is pulled from both three national reporting agencies, the XXXX data base, and the residing XXXX XXXX XXXX XXXX data base. 
Their charging customers monies then requesting the customer to present legal documentations to dispute and qualify for the right to lease. 
The agency request client to retrieve and forward information to an assigned link. Each time a report need to be generated. Each request is a new charge in monies and the system do not upload current updated information. This is the client responsibility. 
The both XXXX XXXX and On-Site XXXX, are taking a advantage of low income and disable individuals during their application process. The property are governed under, XXXX XXXX XXXX XXXX XXXX, XXXX program, XXXX and XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including name, social security number, address, birthdate, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by pushing the injured parties that they are responsible for to sign up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit card () with Resurgent Capital Services L.P. (MN).
Issue: APR or interest rate

Complaint: LVNV Funding LLC purchased a charge off account from XXXX in XXXX. The original balance was {$11000.00}. This account was never in litigation and I have never been contacted by this company. The current reporting of the account is {$22000.00}, which has doubled since XXXX. I believe the company working the account to be compounding interest/fees incorrectly/illegally. I am trying to settle on the original amount of {$11000.00}. I understand due to the age of the account, legally the company can no longer enforce payment, however I would like to settle to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Student loan (Federal student loan servicing) with ACS Education Services (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have an XXXX Consolidation Loan being serviced by ACS Education. I filed a complaint back in XXXX and they reduced my outstanding balance by approximately {$1500.00} as they saw XXXX of the discrepancies I complained about. They also lowered my monthly level payment by {$75.00} dollars. HOWEVER, now they have INCREASED the amount of accrued interest from month to month, so that XXXX of my payment goes to principal, which was part of my original complaint! They sent an explanation in response to my previous complaint and then took other action to keep XXXX me. This is UNACCEPTABLE as it has been 14 years since I graduated from school and will end up paying $ XXXX for my education!!!!!!!!!! Please help! They have to allow me to pay off the balance so that SOME DAY it will be paid off. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: In XX/XX/XXXX of this year XXXX and my husband applied for a loan. We were denied because of excess collection accounts and other credit issues. Since then my husband has been working on getting things cleared up. In XX/XX/XXXX I sent several certified letters to different medical collection agencies and all have either agreed to or removed all my old debts except Central Financial Control. They claimed I still owed this debt which was paid by my husband 's insurance and was over XXXX XXXX XXXX which is past Texas statute of limitations. Instead they sent me XXXX documents from my recorded and my son 's record along with my XXXX daughter 's record with the procedures and charges for them. My husband has works as a healthcare professional and informed me that this was a violation of my HIPPA rights and those of my daughter and son 's since the paperwork had hospital stickers and information on them. I did not give this company any written permission to have these records of me nor did my XXXX daughter when I asked her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation