milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2016 about Credit card () with WELLS FARGO & COMPANY (NV).
Issue: APR or interest rate

Complaint: Wells Fargo solicited me for a new Wells Fargo Cash Wise Credit Visa Card, indicating an interest APR of 13.24 % - 25.24 %. Since I am an existing Wells Fargo mortgage customer, and previously maintained a Wells Fargo credit card ( responsibly maintained and seldom used, so it was cancelled in XXXX by Wells Fargo, with an interest rate of 15 % APR ), I opted to apply for the new card. I was immediately approved for a {$10000.00} credit line. However, when I received my card, the established interest rate was incredibly high at 21.24 %. My XXXX score at the time of approval was XXXX, and now is above XXXX, which I though was very good. Wells Fargo indicates that the credit card interest rate is determined upon creditworthiness. I 'm outraged at the deception by Wells Fargo to " bait and switch '' a customer thinking that a very good XXXX score would receive the lowest interest rate. I assumed the worst interest rate I could have received was 15 %, based on my previously unused Wells Fargo credit card. This is Wells Fargo at their worst, to price gouge and deceptively cheat customers by generating exorbitant fees. Their unfair practices must stop. I 've filed a complaint with Wells Fargo Customer Service XXXX XXXX, reference number : XXXX on XXXX/XXXX/XXXX. Thank you for your continue protection of the consumer!! 

XXXX XXXX XXXXXXXXXXXX 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 01/29/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was removed from the HAMP Loan Modification Program and foreclosed upon, inadvertently. This statement was in a letter sent to me from Wells Fargo. Please help me, they ruined my families life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-03-2018 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: Personal information incorrect

Complaint: I have so many information in my credit report such as names and employment and I have contacted and requested dispute to Experian but they never helped! 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 12/19/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (TX).
Issue: Money was not available when promised

Complaint: Sent money through WesternUnion on XX/XX/XXXX details as follows : Payment Checking ending in XXXX XXXX XXXX XXXX XXXX ending in XXXX Money available : 4-5 business days Summary Transfer amount XXXX USD Transfer fee + XXXX USD Total XXXX USD Exchange rate XXXX USD = XXXX NGN Total to receiver XXXX NGN The money was sent to my bank account in XXXX XXXX in XXXX and its to be credited to my account in 4-5 business days. To date the fund is not credited to my account. I have talked to WesternUnion Representatives on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. The only answer I get is that they have emailed XXXX XXXX and that we have to wait. The case number is XXXX. 

The fund is for my family members in XXXX for XXXX. Please help! 

XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized credit inquiry on XXXX credit report.

Was notified but refuses to remove the unauthorized credit inquires I was a victim of identity theft due to the XXXX data hack. Someone else was using my identity.

Some have 2 credit inquires on XXXX credit report.

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 02/19/2017 about Debt collection (I do not know) with ERC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit report and discovered that this company has reported that owe them a debt. To my knowledge I have never done business with this company. I have never entered into a contact with them and nor have they provided me with any goods or services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is in regards to the major information breach and Equifax. 

Equifax indicated that my personal information ( all personal information they had, which is nearly everything as far as I know ) was breached and leaked. Reports indicate that Equifax woefully mismanaged their information security as well as their response to this breach of the personal information of 140 million Americans. 

I do not believe that Equifax has responsibly handled their duties to protect consumer information. 

As such, myself and many, many millions of others are now at constant risk of identity theft and fraud for the rest of our lives. This is deeply unfair and unjust - and Equifax now wishes to charge fees for their 'services ' to protect us from fraud, giving them more personal information to handle. Put very simply, this is extortion. Equifax put our information at risk and now offers to extort the public for 'protection. ' As of today, there is precious little the consumers affect can do aside from placing temporary fraud alerts. These only last 90 days - which is hardly solace now that we face a lifetime risk of fraud and identity theft. As of XXXX/XXXX/XXXX I 've place 90 day alerts with two credit report bureaus, and am in the process of placing one with the third. 

Equifax needs to either compensate every single affected consumer for time and resources spent protecting ourselves from the risk they 've exposed us to. To resolve the issue, Equifax must work with other credit bureaus and federal agencies to fully reset the way credit is checked in our country. As of this breach, credit reporting is essentially WORTHLESS, as more than half of all consumers info is now potentially incorrect, unreliable, or stolen. The system needs to be reformed and consumers compensated.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On my letter dated XXXX XXXX, XXXX sent to this credit repository, I disputed how incorrect Bankruptcy chapter XXXX XXXX -- -- XXXX # XXXX was reporting in my file. I was able to verify with the court that this piece of information is not in anyway linked to my social and date of birth. According to the XXXX XXXX XXXX  XXXX, this must be removed. The same was also disputed both to XXXX and XXXX XXXXnd both credit repositories REMOVED this item from my credit report. I kept records of all my credit reports before and after I disputed this item, proof that there is a problem with this credit repository on how they report information on consumer 's credit report and how they comply with FCRA in terms of investigation.

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 03/20/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Other

Complaint: XX/XX/XXXX I received a statement from my Chase Slate credit card with a {$500.00} charge from Chase Home Lending. I did not authorize the fee be billed to my credit card and have been asking the customer service department at Chase Cardmember Service for proof that I authorized the charge be made to my credit card. 

As of the most recent correspondence from Chase Cardmember Service ( CCS ), dated XXXX XXXX, the company asserts that the charge is valid, but has failed to address the question regarding the unauthorized charge to my Chase Slate credit card. 

Here are the actions which have transpired thus far : 1. XXXX XXXX, XXXX - Called CCS to dispute the fee. 
2. Received notice in the mail that a temporary credit was issued to my account by CCS. 
3. XXXX XXXX, XXXX - received correspondence from CCS with documentation from Chase Home Lending with documentation demonstration the fee was for a home appraisal taken of my home. 
4. XXXX XXXX, XXXX, XXXX XXXX - left a message with XXXX XXXX XXXX, my assigned Customer Service Specialist regarding the charge. 
5. XXXX XXXX, XXXX - Faxed dispute form to CCS stating that I had not authorized the fee charged to my credit card, nor had I received an invoice or payment options from Chase Home Lending for the {$500.00} fee. 
6. XXXX XXXX, XXXX - Left a voice message on XXXX XXXX 's work asking him to confirm receipt of the fax. 
7. XXXX XXXX, XXXX - received a letter from XXXX XXXX at CCS asking us to take the matter up directly with Chase Home Lending as the charge would remain on our credit card. 
8. XXXX XXXX, XXXX - Faxed an XXXX page document with the history of this dispute to the attention of XXXX XXXX asking once again for documentation authorizing the charge to my Chase Slate credit card. 


For the record Chase Home Lending did not send us an invoice for the appraisal fee, nor notified us that the fee would be charged to one of our Chase credit cards. Contrary, XXXX XXXX XXXX XXXX, our lender at Chase Home Lending, informed me there would be no charge for the appraisal fee since I had paid for an appraisal fee in my previous attempt to re-finance my home with Chase. 

Furthermore, the Chase credit card that was charged has been inactive since XX/XX/XXXX, set aside strictly for emergencies. The last credit card mailed to me is still attached to its original paperwork, having never been activated. I received the statement in XX/XX/XXXX and have been disputing it every since. The account, which had a XXXX balance has now accumulated {$82.00} in late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/20/2015 about Credit card () with U.S. BANCORP (IL).
Issue: Advertising and marketing

Complaint: I signed up for the US Bank XXXX XXXX visa credit card, with a key benefit being the inclusion of a free night on award stays : " a bonus award night every time you redeem for XXXX award nights or more, the last night is complimentary ''. This was a key benefit for the card ( which carries an annual fee of {$75.00} ). I signed up for this card due to its benefits, which were clearly stated on the website when I applied and was accepted for the card. A week after receiving my welcome material, it was announced that this benefit would be removed beginning XXXX XXXX, 2015. I called US Bank to request that this benefit continue for my card, as I had applied specifically for this product benefit, but they told me the benefit would be going away for all cardholders. I find it incredibly deceptive to offer a card with certain benefits and then once I have the card and have paid the annual fee, the most valuable benefit then gets removed with no compensation for this loss.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My son and daughter in-law desire to assume the mortgage I have on a property. I requested and received communication from ditech on XX/XX/XXXX with instructions and paperwork that needed to be filled out and returned. All paperwork was completed and returned on XX/XX/XXXX. I called ditech on or about XX/XX/XXXX to inquire what was happening. ditech representative asked me to call back in 2 weeks as they didn't know. 
I called again on XX/XX/XXXX and was told that assumptions of loans was not permitted which is clearly false information as both my original note and the ditech website say that loans are assumable ( borrower must qualify ). My son clearly falls under the guideline of qualifying as a borrower subject to his and his wife 's credit. On XX/XX/XXXX I called again to follow up and was told they can't find any of the information that I sent them. Very deceptive as they will not allow me to talk to anyone in the processing dept, loan assumption dept or anyone other than a generic phone representative. They refused to give me the name of the mangers, or any supervisor that I could contact.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: This letter is being sent to you in response to a notice sent to me on XXXX18 in response to a listing on my credit under XXXX XXXX XXXX XXXX " XXXX ''. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX or TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 

This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. The investigation was shown as verified and there was no information sent to me at all, so how could it possibly be verified? No contracts or signed documents were sent to me at all. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Best Regards, XXXX 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 04/18/2016 about Mortgage (FHA mortgage) with MONEY SOURCE, THE (OK).
Issue: Loan servicing, payments, escrow account

Complaint: Are house payment was auto draft out of are bank every month on the XXXX. The loan company did not take out XXXX payment out of the bank then in XXXX they started pulling a full payment and a week to two weeks later they pulled a half payment. They where doing this until the end of XXXX. Every time we would talk to them we would get a different story from them saying that we are two months behind then a week later saying we are five months behind. Are bank says that we should be caught up and now the loan people as got are credit all missed. Up that we can not even refinance are house loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (Non-federal student loan) with Financial Business and Consumer Solutions. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted this debt collector concerning a debt reported by credit reporting service. 

I asked them to send me documentation showing the original creditor stating the true and accurate final amount of debt owed to the original creditor and stating this debt collector was given the right to collect the final amount of debt owed to the original creditor. 

I was told they can not respond in writing to me. 

I sent them an affidavit requesting them to provide the documentation and that the FDCP mandates they respond within 30 days. 

This debt collector did not send me any documentation nor responded to me at all. 

I consider this to be a case of fraud and extortion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Customer service / Customer relations

Complaint: American Express card company called me at my employment location and demanding a past due payment, my social security number, and my checking account number " harassing me at my employment location ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/20/2017 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: Account information incorrect

Complaint: XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. I respectfully asked that XXXX be removed if my credit report. I want all loans older than 7 years removed off my credit report as that is more than statue of limitations for my state. I need this done ASAP, as XXXX is doing illegal collecting and reporting practices

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 06/29/2015 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: ON OR ABOUT XX/XX/XXXX I TOOK MORTGAGE OUT WITH XXXX XXXX XXXX LOAN NO. XXXX AND IN THE PROCESS TRANSPOSED NUMBERS AND IN ERROR CREATED A NEW LOAN TO SELL TO XXXX, XXXX & XXXX XX/XX/XXXX. 
THE GOOD NOTE # XXXX AND BAD LOAN NO. XXXX BOTH ACCOUNTS APPEARED ON MY CREDIT REPORT AS DUPLICATE, AND DISPUTED THIS PROBLEN WITH ALL CREDIT BUREUS WITHOUT CORRECTION AND VERFIED VIA FURNISHERS TO BE CORRECT XXXX TIMES UNTIL S.O.L. EXPIRED ON XX/XX/XXXX AND FINALLY DROP OFF AND WHEN SOLD OR TRANSFERRED TO OCWEN LOAN SERVICING LOAN XXXX REPORTED AS DUPLICATE TRU THIS DAY.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: On XXXX XXXX, I applied for a Barclaycard XXXX Credit Card with XXXX Rewards. Application # XXXX. This is a promotional, interest free program. 

Barclaycard sent me a letter which states " We have reviewed your application and determined that additional information is needed before we can process your request. - Please send a copy of your Driver 's License/State ID, Social Security Card, and a current original utility bill or bank statement with your name and address. Please respond within 30 days of the date of this letter by sending in the requested documentation below. If we do not receive a response within 30 days we will be unable to give your application further consideration. '' I am already a Barclaycard customer, and have a XXXX XXXX XXXX XXXX XXXX card with the company. They have verified my address, they know my social security number, and I have my card statement coming to the exact same address as is listed on my application. 

I called the company on XXXX after receiving the letter and was told that this requirement will not be waived, that despite my already being a customer I need to either mail or fax the documents in ( I can not email them, in XXXX there is no way to securely upload them either as part of the application page. )

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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am still disputing a charge that was placed on my credit report with two different collection agencies for the same charge. XXXX and XXXX property management/investment group place an eviction from 2011 on my credit report. They placed it with XXXX XXXX XXXX, who reported it twice to my credit report and they also placed it with XXXX XXXX XXXX, who also placed it on my credit report twice. I 've finally been able to get each company to remove the duplicates that they originally placed, which still leaves me with one mark from each company for the same exact thing. I have tried going through the credit bureaus to get this fixed but they keep placing it in dispute without ever getting anything fixed. I reached out to the original creditor, XXXX and XXXX and after many phone calls and emails, I have still not been able to contact them. It 's bad enough that due to this I was hit 4 times on my credit for the same thing. I though it was illegal for this type of thing to go on. At this point I am very frustrated and I just want for these collections to be removed. They fall off my credit in XXXX anyway. At least delete one of the entries. No need in double the debt showing up on my credit report.

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