milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/19/2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Struggling to pay mortgage

Complaint: got sick in 2016 and i have no place to go i am a edley man and it is very cold side

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I had a credit card with them for the longest time. When I tried to use my card end of last year, I had all sorts of issues. They kept declining my transactions. I'd call in then it would get cleared. I wasted so much time with this. I probably went through 5-6 times on this. Finally, this issue seems to be resolved but I had alot of issues with it. I feel fair compensation is in order. 

Also, when I used my rewards, I had to cancel XXXX nights. The hotel manager promised me that my rewards will be reissued but I have no gotten those reissued yet. They were XXXX pts per night at a hotel in XXXX XXXX, XXXX. I booked XXXX nights but had to cancel XXXX nights.

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 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have try to solve this for some time now, with XXXX and Experian, XXXX XXXX took the time to investigate and remove all negative fans charges for my credit report. 

Turns out that my brother open credit cards and other accounts in my name for several years while I was living overseas. When I return last year I try to fix my credit report for months only XXXX XXXX took the time to investigate. 

I do never open accounts with the following companies, all account I have are up to date with XXXX balance. 


XXXX XXXX XXXX XXXX XXXX XXXX 142 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 197 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE XXXX I XXXX {$4000.00} {$0.00} {$0.00} XXXX XXXX $ XXXX XXXX XXXX XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE XXXX I XXXX {$0.00} {$0.00} {$1100.00} XXXX COLLECTION ACCOUNT {$1100.00}

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 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I review my credit and there is XXXX unauthorize inquiries on my credit reports with Experian, XXXX, XXXX.
Here is the list of Hard Inquiries 1.XXXX .dated XX/XX/XXXX. 2.XXXX XXXX.XX/XX/XXXX. 3.XXXX XX/XX/XXXX 4.XXXX XXXX. XX/XX/XXXX 5.XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9.XXXX XXXX .XX/XX/XXXX 10.XXXX XXXX XXXX  XX/XX/XXXX 11.XXXX XX/XX/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 03-12-2017 about Credit card () with Alliance Data Card Services (RI).
Issue: Late fee

Complaint: I made my payment on Paypal 's website on the XX/XX/XXXX, which is the due date and due to the way their system works they did not process the payment until the XX/XX/XXXX. They claimed I was late by a mere 15 minutes. I have called to ask them to waive the late fee as I am making only XXXX to XXXX a week right now and they are unwilling to assist even though I actually submitted the payment on time on my side. All I have asked for is a fee waived due to my financial status and they refuse to do so, making my payment more than I can afford and setting me up for failure and a revolving door of fees and bad credit remarks from which I can not currently escape from. This is predatory at best.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have student loans from Navient. I called and had my student loans put into deferment while I was in school. Well I found out that since I was only taking one class they had to be put in forbearance. I called them to have it done. Well it turned out it was not done, I had emails and letters saying that I was past due on a payment and it was reported on my credit report as late. I am still in school and after calling they were finally put in forbearance. However they said they would not take it off my credit report as late because they do not do that, it will stay on there as late.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Debt collection (Medical) with National Business Factors (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The joint medical account was paid in full on XXXX/XXXX/16. National Business Factors is holding the account hostage for interest that was not agreed to by me or my wife and that was added after we paid the balance. Account was suppose to be removed after payment. They 're continuing to ignore our requests and screening our calls. We cited XXXX which states that both parties have to agree to the interest- if allowed, when they finally got back to us they cited XXXX XXXX for their reasoning. Our understanding of XXXX XXXX is for investment accounts, not debt accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
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: I HAVE TRIED TO HAVE AN ACCOUNT BLOCKED ON MY REPORT WITH EQUIFAX SEVERAL TIMES NOW AND HAVE SUPPLIED ALL THE DOCUMENTS THEY REQUESTED TO HAVE IT REMOVED. UNDER THE FRCA  605B    XXXX   AND  XXXX   XXXX  HAVE REMOVED THE FRAUD ACCOUNTS BUT EQUIFAX HAS NOT AND SAYING IT NEEDS TO DO A FULL INVESTIGATION EVEN THOUGH ITS FROM IDENTITY THEFT SO THEY KEEP VERIFYING IT. I HAVE SUPPLIED MY DL, ID AFFIDAVIT FORM AND A POLICE REPORT AND STILL WONT HELP

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Credit card () with CITIBANK, N.A. (CT).
Issue: Billing disputes

Complaint: I have a home depot store credit card that I use in the store. I made a few purchases that had a 6 month no interest promotion. Every month I pay more than the minimum payment thinking that the excess would be applied to the promotional purchases. No one told me that I had to pick up a phone and call home depot to let them know that I want my excess payment to be applied to the promotional balance. I have paid more than the minimum payment for over a year and a half and my account was still hit with hundreds of dollars in interest for not paying off the promotional balance within the 6 month period. 
This is a deceptive policy because I have been overpaying my account each month expecting the excess funds to be applied to the promotional purchases to pay the balance down. I realized that my balance kept growing even though I was overpaying. Customer service informed me that I did not call to notify them that I wanted to do the logical thing and apply the extra payment to the expiring promotional balance.

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 03/29/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is inaccurately reporting my Bankruptcy discharge date as XXXX/XXXX/XXXX, when in fact it was XXXX/XXXX/XXXX eleven years earlier. I have disputed this information several times and sent supporting documentation to no response from them. This inaccurate info is causing me difficulty with job searches and obtaining credit. This is an extreme hardship to me financially and they refuse to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has my name wrong and accounts that are not mine on my file. My name is listed as XXXX and my name is XXXX Accounts added to my file I 'm unaware of are Online Collection Services # XXXX Rent Recover LLC # XXXX Diversified Consultants # XXXX and account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted XXXX XXXX regarding the inquiries listed on my credit report that were not authorized and done by myself on XXXX/XXXX/2017 and they explained that I needed to contact them in writing to dispute them. On XXXX/XXXX/2017 I did contact them via mail and rquested that all inquiries be removed at once because they were not authorized to pull my credit and I have n't applied for any cards with this bank. XXXX XXXX never responded to my initial written request so again I called the Experian XXXX/XXXX/2017 and again on XXXX/XXXX/2017 to explain the situation once again looking for some type of resolution and was told to call the creditor that there was nothing that can be done without written letter stating they ( XXXX XXXX ) wanted the inquiries removed. I decided that I would again send out letters as well as contact the CFPB to notify you of this situation as well as send out a second letter to the creditor as well as a letter to the bureau for each unauthorized inquiry from XXXX XXXX  although I was told that nothing would be done without written permission to be removed from the creditor. I find it very upsetting to have my credit score impacted by inquiries I myself have n't done and to have the bureau and XXXX XXXX just " bounce '' me back and forth between the two of them I ca n't seem to get to a point of resolution please help me resolve this matter because I have exhausted all attempts thank you.

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 04-10-2017 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Unsolicited issuance of credit card

Complaint: This may be a XXXX-type complaint about American Express. I had, and cancelled, an American Express credit card years ago. But a little while later, I was suddenly reinstated. I then cancelled it again and, a while later, it was again reinstated. I gave up and now just keep it in the drawer. However, last year I received notice that I opened a high-yield savings account. At the time I called the police thinking my identity had been stolen. However, given the XXXX XXXX news of aggressive salespeople opening unwanted accounts, I 'm now wondering if this explain it better, yet via a different company.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Debt collection (Credit card) with First National Collection Bureau, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I keep receives a letter from First National Collection Bureau , Inc. for debt collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Since  XXXX  of   XXXX  , I have been sending certified letters regarding   XXXX   XXXX   XXXX  via the credit bureaus asking for validation and verification of several accounts that were listed on my credit report. I asked for copies of the applications with my signature proving these were my accounts. I always received a letter from   XXXX    XXXX  asking for clarity of my dispute, I could n't be any clearer. This is what I stated in my letters : Under the Fair Credit Reporting Act,  15 U.S.C. 1681g I  have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.  <P/> If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a   ) ( 5 )   ( A )  ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd  parties you are damaging my reputation and credit worthiness.  <P/> Under the F CRA 15 U.S.C. 1681i, all un verified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.  <P/> The credit bureau continues to send updates stating the accounts are " verified '' and have neglected to provide any documentation and are in constant violation of the FCRA.

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: Equifax exposed my credit information during the cyber attack announced on XXXX XXXX, 2017. I 'm extremely concerned about this breach and their response to it. They 've recommended that those who have been exposed should register on a new website ( not a subdomain of their website ) and enroll in their TrustedID Premier program. What is not made clear, is that those who enroll relinquish their right to participate in a class action lawsuit. They are using fear to reduce their risk of litigation and have left a massive number of people vulnerable to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (AE).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XX/XX/XXXX I viewed my credit report to find out me and my husband 's Best Buy credit account ( serviced by Citibank ) had been closed in XX/XX/XXXX causing his credit score to fall 23 points. We have had the Best Buy card  since XX/XX/XXXX and have never made a late payment. The account history is pristine. 
I immediately reached out to Best Buy ( Citi ) card services to see why the account had been closed. The Citi representative informed me the account had been closed because the USA Patriot Act required us to have a physical address on file. I explained to the representative that we are XXXX-XXXX military XXXX XXXX and that our Fleet Post Office ( FPO ) address is considered our physical address. She in turn said she understands our situation but there was nothing Citi could do. The USA Patriot Act prevents them from giving us an account. She also stated that once an account is closed it can not be reinstated. 
Afraid that all of our credit and banks accounts from several different banks would be closed ( XXXX, XXXX, XXXX ) I headed directly to the internet and read the USA Patriot Act. Section 326 of the USA Patriot Act expressly reads that Army Post Office ( APO ) and Fleet Post Office ( FPO ) addresses, which is what we have, FULFILLS the requirement of a physical address.

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 06/15/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Trouble during payment process

Complaint: This is our second complaint. Nationstar Mortgage promised on  XXXX   XXXX  to expedite our refund - the woman on the phone told us they were sending the refund TO US. Now, they say they 're sending it to the new mortgage holder with whom we have no relationship at this time. This is entirely unacceptable and is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: Since XXXX, I got behind my mortgage payments when the loan adjusted to an incredible payment. To my surprise, I had been given a pick a payment loan which I did not have any understanding of this loan. In addition, developed a terrible medical condition and I was not able to continue working I desperately call my lender/servicer Wells Fargo Home Mortgage requesting assistance with my loan to no avail. 
I continued to ask for assistance for a loan modification under the XX/XX/XXXX Settlement between XXXX XXXX XXXX ( who was the Attorney General back then ) and Wells Fargo for the risky adjustable rates mortgage they gave the people of California. I also had been pleaded with Wells Fargo to give me a modification under the ( HAMP ) Making Home Affordable program, I began to fax all requested and repetitive documents to the modification department for several months, I was constantly transferred to different Wells Fargo Home Mortgage representative and agents. I was distress, the anguish they kept denying my request for a modification I was in disbelieve Wells Fargo Home Mortgage made this into a nightmare I continued to plead with them and explained my difficult situation but it has not gotten me anywhere. 

I want to file a complaint against Wells Fargo Home Mortgage for the deceitful, dishonest, lies and corrupt, method with the process of my loan modification and for prolonging the loan modification which I believe I am in title due to the grounds I mention at the beginning

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 12/15/2017 about Checking or savings account (Checking account) with Synovus Bank (SC).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XXXX/XXXX/XXXX, I was notified that my XXXX XXXX XXXX uncle had been exposed to fraud. I immediately put a hold on his checking and money market accounts. XXXX/XXXX/XXXX met with XXXX XXXX and XXXX XXXX of XXXX a division of Synovus Bank & closed existing account and re-open a new account and signed affidavits for the fraud claim. Amount of fraud XXXX - received credit for XXXX - balance due XXXX. XXXX said their responsibility is for only 60 days and will not refund the balance even though the fraud was committed by the same people. - See the attached :

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Debt collection (Credit card) with ERC (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had purchased something through XXXX. About 2 months later i received an invoice from XXXX XXXX. I had no idea whoa they were. On the invoice it showed XXXX purchases and late fees of almost {$100.00}. I contacted the company and spoke to rep. It took almost an hour for him to finally tell me that XXXX was formerly XXXX I had used them about a year earlier and had paid the statement. I was told that although I had thought that I was currently using XXXX, somehow my charges were transferred XXXX. I asked the rep if that were true, why had I not ever received an invoice. I told him if I check and I do owe the charges, I would pay them. However, we disputed the late fees. I told him I was not going to pay late fees since I had no responsiblity. We had a heated discussion and he said he would file a dispute. 

After that I started getting collection calls XXXX or XXXX a day, sometimes XXXX. I contacted XXXX XXXX by email telling about the situation. Shortly after, I received an email back from the Attorney for XXXX XXXX saying the calls would stop. The calls continue to this date. I have my phone log since these calls started. I swear to you and I will show you each call, that there are at least a XXXX calls, probably more. 

You know, I was in the service during XXXX XXXX when I had been XXXX by people just for wearing my uniform. As a result of my term of duty I was awarded XXXX Part of that includes XXXX. 

I really do n't know how more of this I can take. PLEASE HELP ME. I have everything I have stated that I have and, you or any representative you may want to review any of this at any time to verify all this. 

Thank you so very much for any help you can provide. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/19/2016 about Money transfers (International money transfer) with WELLS FARGO & COMPANY (NY).
Issue: Fraud or scam

Complaint: On XX/XX/2014 XXXX XXXX was to receive a wire transfer from a XXXX client. 
The wire of {$40000.00} was sent to a scam account that a Wells Fargo employee opened in the name of XXXX XXXX, which we had no knowledge of. 
The client sent us the wire transfer receipt which showed the receiving bank as Wells Fargo, XXXX XXXX Branch We have no knowledge of this account and our account is in XXXX in XXXX. 
We called the Wells Fargo Branch immediately. The funds were still in the account. We told them this is a fraud. They did not help us. The next day a person walked into the XXXX XXXX Wells Fargo branch and withdrew the {$40000.00} and closed the account. 
I am the XXXX of the company. The owner is an XXXX year old man that is ill. This loss was devastating and the company had to close their office and work from a home location. 
We are pleading that you assist us. 
We filed a complint with yur bureau XX/XX/2014. You did not retrieve our money. Now that Wells Fargo is in the news with exactly the scam that happened to us we are hoping that you will help us be paid the amount of {$40000.00}.

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