milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-12-2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I notice a debt collection on my credit report for some kind of medical service and I haven't received any mail from the original creditor, first of all I haven't go to the doctor in over 6 months the account has been opened recently and the service provider is located in a different state since I couldn't find one with that name near me, I call the creditor twice first time no one answered, my second attempt finally spoke with someone about it and I requested a verification letter and name address and state license number but they couldn't provide me with one at the time, there having me call at a later time,

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I have been attempting to get added a s Power of Attorney to my father 's Capital One credit card accounts. Please rea d the following letter which describes everything.     Dear  Capital One Custom er Care Team : In your letter dated  XXXX   XXXX , you indicated that Capital  One  will not add me as Power of Attorney ( POA ) to my father 's account ending in  XXXX . My father suffers from   XXXX   XXXX    XXXX . In your  XXXX   XXXX  letter you requested my SSN/tax ID and total annual income. I responded by requesting a copy of  Capital Ones written policy regarding the privacy of Power of Attorneys. I also explained that attempts made by Capital One via email or phone to contact my fath er directly would be ill-advised as he is suffering from the recent, unexpected loss of his only son.     I have still not received a copy of any written policy regarding the protection of POAs privacy. And, on  XXXX   XXXX , a  Capital One representa tive called and attempted to speak with my father.     Now, for the SAME account ending in  XXXX , we have received ANOTHER letter dated  XXXX   XXXX  with a DIFFERENT case number, directing us to send the paperwork you requested the first time around all over again.     Please check your records. Add me  as POA to my father 's Capital One ac counts so that I can help him.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have submitted several disputes to Experian for over 6 months now ; disputing the inaccurate, misleading, and unverifiable information listed on my credit report from multiple creditors. I have asked Experian on multiple accounts to remove any and all addresses, as well as personal information that does not belong to me, nor that I have ever lived at, and Experian will not acknowledge my request. Experian has continuously sent me a response to every dispute I send them, almost immediately refusing to thoroughly investigate the accounts because I have " previously '' disputed the accounts and they came back verified. My initial dispute was submitted in XX/XX/2015. I have sent a dispute every month since then, re-disputing the accounts with more information, or with a different reason as to why these accounts should be removed immediately. I have also requested method of verification, as well as proof of verification, and they have completely disregarded my request and thrown out my investigations entirely. I do not know where to begin in regards to having this matter resolved as I am constantly having to face an uphill battle with a company who is proving they are not abiding by the law and completing a full and thorough investigation. I am requesting that you please look into this matter and have Experian complete a full and thorough investigation of the accounts listed in the attached letter. I have sent them certified/registered mail with return receipt every month, and I know they have received my disputes because they reply back with the letter indicating the dispute will be disregarded to being previously investigated. Which I am aware of, but I am giving a completely different dispute reason every time. Please assist. I thank you for your time and help on this matter. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 explanation
Consumer complaint received 09-08-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with DISCOVER BANK (TX).
Issue: Charged fees or interest you didn't expect

Complaint: I have had excellent credit for several years, my credit score is above 750. I became unemployed due to things I could not control. I have not worked since XXXX XXXX XXXX. I got behind on two discover loans and have talked to them several times about working with me to resolve this problem. I want to pay them as much as they want the money. I became XXXX due to medical problems I cant help, and was recently approved for XXXX but will not receive any income for a month or so. I am supposed to get it after XXXX. I have talked to them about the posibility of lowering my interest rate of 12.99 percent and lowering the payments as the two payments I owe them are almost 900 monthly. I tried to work with a debt consolidation program before I lost my job and they said that Discover has their own debt relief program. This is a farce, since I have tried repeatedly to work with them to lower interest and payments until I get on my feet. I did get two months of unemployment and paid some lump sums on these two bills even though these XXXX would not work with me. I told them I have been struggling to buy food and pay utilities until I get my income on a regular basis but they do not care. I wish I would have not paid the money I did on these bills because I could have used it to pay my personal living expenses. It did nothing to lower my bill or interest rate. Discover XXXX really. They should have tried to help me, especially with my credit rating and constant not missing of payments before this unemployment spell. I do n't know if you can help me or not. 

thanks, XXXX XXXX XXXX XXXX, Texas

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo is my mortgage company for my home. I have been a loyal customer for years and have never been late, until recently. I got 2 payments behind and they refused to take my payment to become current and immediately started the foreclosure procedure. I applied for a modification ( where the back payments would just go onto the balance and I could resume payments ) but they refused that too. My home is under water and is not worth the balance. Wells Fargo will not make any profit by making me homeless. I need help. I wish to stay in my home and resume payments. 

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 explanation
Consumer complaint received 12/19/2015 about Debt collection (Mortgage) with Seterus, Inc. (IA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Wo n't return my escrow, even though I 've asked for the balance for over 14 months. In addition, unsubstantiated {$90.00} per month fee. Have submitted documentation multiple time without satisfation

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Debt collection (Other debt) with ERC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: There are 3 companies involved : 1 ) XXXX XXXX XXXX, 2 )  ERC ( phone # XXXX ), and 3 ) XXXX. This involves XXXX XXXX XXXX account # XXXX. 

I have previously had my identity stolen, filed a police report, and successfully had several fraudulent XXXX accounts opened at various addresses in the XXXX area expunged. 

XXXX initially contacted me in XX/XX/2017 about an XXXX XXXX XXXX account that was opened in my name, providing service to an address that I have never lived at. I told them it was fraud, gave them a copy of the police report, and sent me a " fraud packet '' which I was to mail back to XXXX XXXX XXXX ( I did ).  Simultenously, I disputed all of the debts with all 3 of  the credit reporting agencies, and all 3 of the XXXX XXXX XXXX debt from my credit history. 

I have never heard back from XXXX XXXX XXXX since then. 

However, today I received a new debt collection letter from " ERC, '' who had the same account assigned to them from XXXX XXXX XXXX. They stated they would re-file the debt with the credit reporting agencies in XXXX, despite me previously having sent my " fraud packet '' to XXXX XXXX XXXX and successfully disputing the account as fraud with the reporting agencies. 

This is getting tiring. Can you please contact the involved parties and make them stop? In addition to these letters, I still get daily debt collection cold calls that haven't gone away since XXXX first contacted me. 

Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I moved back to the US in XXXX after living in the XXXX for 6 years. While in the XXXX the Dept of Education refused to accept payment on my loans so I could not make payments even though I regularly called and begged them to take my money. That added up to a LOT of fees and interest that I do n't believe I should have to pay because it 's not my fault. I tried to pay them, they just would n't take it because I did n't have a US bank account. I offered to pay in a number of ways, they refused. Now I 'm stuck with a huge amount of additional interest and fees and a shattered credit score. The XXXX told me to talk to my loan servicer once my loans came out of rehab with a collections company. I just spoke with Great Lakes and they said there is nothing they can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax system is cumbersome

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I contacted Target twice at this point and I supplied Target with the FTC report and a local police report as supporting documentation about the ID theft.   Target received the first letter on  XXXX / XXXX / 2017 , they did not update the account with the credit bureaus as disputed. They also did not respond to me personally at all. I spoke with a gentleman last week and again explained the situation, he agreed, Target had been made aware of the ID theft.   I just learned today, Target insists on continuing to report the account on my credit reports. It is my understanding, this is an illegal action on Target 's part. Target also continues to report back to the credit reporting agencies that the account has been verified. This is not possible. I did not open the account, how can they verify an account I did not open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I am in receipt of two letters from Portfolio Recovery Associates, LLC dated XXXX XXXX,2017. This letter claims that I owe Portfolio Recovery Associates, LLC. On both letters Portfolio Recovery Associates, LLC are representing themselves as the current creditor of these accounts from XXXX XXXX  and XXXX XXXX in the amounts of XXXX and XXXX. I am filing a complaint because Portfolio Recovery Associates, LLC are representing themselves as a creditor but Portfolio Recovery Associates, LLC has never extended any type of credit to me. I am asking that Portfolio Recovery Associates, LLC verify that they are in fact a creditor and that they have extended credit to me or delete these listings from credit report. They also have included two different amounts for the XXXX account in the amounts of XXXX and XXXX. Im asking that the verify these amounts as well. Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent this company a letter via certified mail last XX/XX/XXXX, 2017, to request VERIFICATION / VALIDATION of an account they are reporting under my name and I have not received any response from them yet. I clearly stated in my letter that they provide me copies of documents show my CORRECT and ACCURATE personal information, copies of documents showing that they were assigned this alleged debt to be collected to make sure that they have the right to collect this alleged debt, documents showing my signature etc. I got nothing from this company. Even though CFPB had already fined them according to this link : https : //www.consumerfinance.gov/XXXX this company still continues they unlawful ways.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Chase bank had charged me excessive fees for no reason. I was charged  XXXX  dollars in fees for  XXXX  transactions that never hit my account. I never had knowledge of it until i saw a  XXXX  dollar return item fee on my account. Other than that there was no pending transaction for the amount they returned. They did not give me a chance to pay it or dispute it for accruacy. Chase bank also charged me for a charge that was paid the same day it hit my account before the cut off time of  XXXX  EST. I want the fees reversed!

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Prosper Marketplace, Inc. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On X/XX/2017 I was on the Prosper site inquiring about a possible loan, # XXXX. The site offers a credit score ( rate ) check that will not affect the consumers credit score. It stated that a soft pull would be completed and not a hard pull. I am moving through the application not fully understanding that this was an actual credit application. No where on the site or statement did it say if you go any further a hard pull ( inquiry ) would be required. I later called customer service to ask before moving any further and was told I should expect that it would be a hard inquiry since it is credit related. I followed up by stating that no where did the application ask for authorization to pull my credit profile. Also, the customer representative telling me the truth in lending statement states a credit pull is necessary and then once he checks and he realizes that it does n't say a credit pull is required, then he states '' well you should have figured that out '' is an unacceptable business practice. My response to the rep is that most alternative loan sites do n't normally do hard pulls so you can not assume all consumers will understand that. It is also misleading because no where on the site does it inform the consumer that a hard inquiry is required to apply. I do not want a loan and was only researching rates and would like the credit pull removed from my XXXX XXXX profile. I should not be penalized because the site is not transparent. Lastly, why not be willing to help once you confirmed that the site is vague and confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit card () with NAVY FEDERAL CREDIT UNION (NJ).
Issue: Other

Complaint: navy federal is reporting acct as mine. after i asked to remove from acct because shows i am authorized on acct. will not give me acct details but says i am authorized user.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (PA).
Issue: Trouble during payment process

Complaint: I have a HELOC with Wells Fargo ( WF ). As I am in the process of selling the property attached to the HELOC, my realtor asked WF for a payoff amount. He was told that the amount owed was over {$9000.00} more than what I understood as the balance of {$13000.00}. ( This is the " balance '' as reported on the WF website, and when I call in. ) The reason for the discrepancy is over {$9000.00} of accrued interest! See the attached for how " balance '' is reported. It is not the " total balance '' at all, which is misleading. <P/>In 2008 I applied for an received a hardship refinance of the HELOC that lowered the interest rate to less than 2 %. I had the understanding that this was for the life of the loan. I set up my payments at the amount needed to cover the interest at 2 %. I have made those payments without fail until present. Apparently, a year later, WF increased the interest rate to an astounding and incredulous 15.8 %! <P/>I have several accounts with WF ( see attached ) and not one of them is delinquent, or has exorbitant accrued interest like this account, and I always make my payments. In fact, none of my assets have ever accrued such an absurd amount of interest. <P/>WF has refused to offer any relief of the accrued interest. As a supposedly valued customer, I am terribly disappointed that, first, they never contacted my about the interest getting so high, that they provide a misleading and deceiving " balance '', and that they will not provide any relief. I have been a reliable customer for many, many years.

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 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 'm currently in the XXXX XXXX and during the last 2 years, I was mobilized twice. XXXX, a XXXX XXXX, also known as XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, VA XXXX ) assumed my VA loan from another mortgage carrier. My auto-payments were going to the original lender, and in XXXX and XXXX of XXXX, while mobilized, they reported a 30 and 60 day late payment ; though the payments were being made in a timely manner ( to the original lender ) I was not aware, as I was overseas. Then in XXXX of XXXX, I was again mobilized for 70 days and they again reported a 30 day late payment, when I had told them that I needed a few extra days, and they agreed and agreed not to report my late payment. I was late by 3 days. Now I 'm unable to get a Home Equity loan or refinance my home. Please help.

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 07/26/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: I am writing in regarding the recent modification proposal we received from Select Portfolio Servicing dated XXXX/XXXX/2017. We find the proposed modification to be predatory based on the following.
We were originally approved for a principal reduction with XXXX XXXX prior to our loan being transfer to SPS under the MHA streamline program.
Our loan was subsequently transferred to a new MBS as a means of not finalizing our government backed modification.
The original loan was entered into by my wife under duress while I was deployed to XXXX with the United States XXXX XXXX.
Due to the recovery period from my injuries and my inability to fully understand and respond to this process effectively we have been exploited in regards to this loan.
The modification paperwork covers up the fact the our principal balance is increasing by {$2500.00} in fees.
The loan is being recast from roughly 220 months to 393 months.
The LTV on the home is roughly 158 % after the modification.
While the modification lowers our current payment in drives us further into debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: I complained some months ago that Chase would not refi a XXXX Veteran since they are making more money. You checked into it, they wrote a nasty letter with original docs, and basically said you are on your own. They also told you they had no application for a refi by myself. I have applied twice. They are lying. I recently emailed them an application and they did not respond at all so there is no record I assume. I need to refinance before mortgage rates go up. I am in an adjustable. It is my own fault for choosing this loan but I need to get into a fixed 30 year desperately.

Company response to consumer: Closed with explanation