milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/13/2017 about Debt collection (Mortgage debt) with WELLS FARGO & COMPANY (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Lender ( XXXX XXXX / XXXX ) filed for bankruptcy in XXXX XXXX. Debt for 155,000.00 made XXXX XXXX included in chapter XXXX Loan transfered to several different collectors. Asserts TILA & RESPA violations ; Request any and all copies of MERS transactions XXXX CFPA violations

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 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Was giving retroactive forbearance and still had XXXX days XXXX day XXXX days even through the forbearance brought my account update these are still on there. Attached file what i send them and screen shot is what they sent back.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I opened an account with Citibank on XXXX XXXX, 2016. 
They had a promotion of {$500.00} for any deposit over {$50000.00}. within 30 days. 
It is now almost 6 months, i have NOT received payment, Ive called them on multiple occasions over the last month, and they have NOT honored their commitment.

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 10-01-2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (NC).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: MY ISSUE IS WITH FIFTH THIRD BANK. AND HAVE TWO ISSUES. THE FIRST IS, THAT MY ACCOUNT IS OVERDRAWN FROM A PURCHASE OF {$150.00}. I WAS IN A BAD CAR ACCIDENT AND CANT PAY THIS BILL NOW TO THE BANK, AND I TOLD THEM TO CLOSE THE ACCOUNT OUT AND THAT I WILL MAKE MONTHLY PAYMENTS TO THEM. THEY SAID THEY WILL NEVER CLOSE THE ACCOUNT OUT AND WILL KEEP ACCRUING CHARGES AND I WILL HAVE TO CONTINUE TO PAY A MONTHLY CHECKING ACCT FEE OF {$11.00} PER MONTH. THIS HAPENED IN XXXX AND THEY CHARGED ME WITH A {$34.00}. XXXX OVER DRAFT FEE, AND {$11.00} MONTHLY BANKING FEE, SINCE I WONT HAVE MY XXXX XXXX CHECK IN THEIR ACCOUNT ANYMORE, AND I REFUSE TO EVER BANK WITH THEM, REGARDING ISSUES A FEW MONTHS A GO, WHERE THEY PAID A PAYMENT FOR ME, WITHOUT MY PERMISSION. SO, I WAS CHARGED A TOTAL OF {$190.00}. I THEN GOT A LETTER, XXXX XXXX FOR A BILL OF {$190.00}, AND THEN, XXXX XXXX FOR {$190.00}. AND THEN XXXX XXXX THE BILL IS NOW {$200.00}, AND THEY KEEP ADDING FEES AND CHARGES. I WANT THEM TO STOP ADDING CHARGES AND TO CLOSE MY ACCOUNT IMMEDIATELY AS I HAD ASKED THEM IN XXXX WHEN THIS ORIGINALLY ALL HAPPENED. I HAD A SIMILAR ISSUE WITH A DIFFERENT BANK AT XXXX, DUE TO OVERDRAFT FEES A FEW YEARS A GO, DUE TO MY VET NOT HOLDING A CHECK I WROTE TO THEM UNTIL I GOT MY XXXX CHECK, AND IT BOUNCED MANY CHECKS, ACCRUING TO {$300.00}, YET, XXXX BANK, CLOSED THE ACCOUNT IMMEDIATELY, AND TURNED IT OVER TO THE, CREDIT BUREAU. I FEEL LIKE THIS IS THE BEST SOLUTION FOR THIS MATTER, AND INSTEAD OF MAKING AN, {$11.00} MONTHLY FEE FOR A CHECKING ACCOUNT WITH NO MONEY IN IT, IS TO CLOSE IT, AND I CAN PAY THEM THAT {$11.00} A MONTH TOWARDS THE BILL, AS THATS THE MOST I CAN AFFORD, IF THEY DONT, THEN THEIR BILL WILL NEVER BE PAID TO THEM RE, THE {$150.00} AND OVER DRAFT FEE, SINCE I GET {$690.00} PER MONTH TO LIVE ON FROM, XXXX XXXX WHICH IS HARD, AND NOW I GOT WRECKED INTO, MY CAR WAS TOTALED, AND MY CAR IS ONLY WORTH, {$1200.00}, SO I WILL BE USING A TAXI, WHICH IS EXPENSIVE, AND I CANT BUY A CAR NOW FOR {$1200.00}, SO I HAVE MAJOR MONEY PROBLEMS AND HEALTH ISSUES AND INJURIES FROM THIS CAR ACCIDENT. PLEASE HELP ME WITH THIS MATTER, AND HAVE THEM CLOSE OUT MY ACCOUNT, SO I CAN START PAYING THEM {$11.00} PER MONTH TO PAY THIS OFF, INSTEAD OF THEM CHARGING ME EVERY MONTH FOR AN EMPTY ACCOUNT, WHICH I HAVE HAD TOO MANY UNETHICAL THINGS DONE TO ME VIA FIFTH THIRD BANK, AND IT HAS BEEN FRUSTRATING. THANKS

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with VIRTUOSO SOURCING GROUP, LLC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: OnXX/XX/XXXX My wife and I want to exchange a bad phone. XXXX told us they would set up a new plan and send us phones right away. They told me they would over night them for {$61.00} and I agreed. The next morning I received a text saying that they charged my account {$810.00} and I would receive the phones in 8 to 10 business days. I called them right away and told them to cancel everything. That was not what I agreed to and to return my money as soon as possible. XXXX told my that finance department would handle it and I would get my funds back in three to five business days. I waited three weeks and finally got my bank involved to dispute the charges. I never received any phones from XXXX!! I noticed a charge on a email message in XX/XX/XXXX for {$810.00} from XXXX and to pay immediately. I called customer care and they said they would fix the issue. I have since been turned into a collection agency for {$810.00}. For this reason I am submitting this complaint and I am seeking legal council to pursue legal matters to clear my credit.

Company response to consumer: Closed
Consumer complaint received 05-05-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Chase used to have an online option that allowed customers to schedule bi-weekly payments. They no longer offer that option. If I just pay the amount due every month on time, it takes 30 years and I pay approx. {$260000.00} in interest ( $ XXXX loan ). If they allowed me to make bi-weekly payments, I pay off the mortgage in 25 years and only pay {$210000.00} in interest. I pay the exact same amount every month, just more frequently. That saves me money. That 's why Chase does n't allow me to do it. That should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Credit card () with DISCOVER BANK (NV).
Issue: Customer service / Customer relations

Complaint: Discover Bank is reporting my old account which was closed in Chapter XXXX BK as open. I am not disputing the information that they have provided. However, I am asking that they review this account a make a business decision to have the Consumer Reporting Agencies adjust the reporting from open to closed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Credit card () with Continental Finance Company, LLC (TX).
Issue: Delinquent account

Complaint: I REQUESTED ASSISTANCE FROM CONTINENTAL FINANCE IN REGARDS TO MY CREDIT CARD ACCOUNT. I WAS NEVER LATE UNTIL THE LAST FEW MONTHS. I WOULD LIKE TO BE OFFERED A SETTLEMENT OR A REPAYMENT PLAN THAT WILL PAY OFF MY ACCOUNT AND REVERT IT TO CURRENT AND PAID OFF ON MY CREDIT REPORTS. I HAVE REACHED OUT TO CONTINENTAL FINANCE WITH NO RESPONSE.

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 08/23/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (MD).
Issue: Struggling to pay mortgage

Complaint: Homeowner has been working a short sale and attorney for home owner has been in constant contact with lender. Attorney was advised that we are in a value dispute. Attorney was never advised of a scheduled sale date. There was apparently a sale date scheduled for X/XX/2017. Lender clearly dual tracked this file. Lender at no time advised attorney for borrower as to sale date despite constant contact with lender and contact less than 24 hours prior to the scheduled sale date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: The enclosed Assignment of Mortgage filed in the XXXX of the City of XXXX on XXXX XXXX, XXXX, was manufactured in order to pursue an illegal foreclose action. 
On XXXX XXXX, XXXX XXXX was [ XXXX ] ot licensed or registered to operate in the State of New York according to the XXXX ( XXXX ) whom can be reached for this verification at ( XXXX ) XXXX ( Monday through Friday, XXXX to XXXX ). 
XXXX and XXXX did [ XXXX ] ot exist on XXXX XXXX, XXXX and XXXX XXXX was [ XXXX ] ot an employee ( Assistant Secretary ) of Mortgage Electronic Registrations Systems, Inc ( MERS ) on that date. MERS is a shell corporation with no employees. 
XXXX XXXX was also showing to be an employee ( Assistant Vice President ) of XXXX XXXX XXXX on the same exact date of XXXX XXXX, XXXX. 
XXXX Mortgage, XXXX publicly went out of business as per its Chapter XXXX liquidation filing under its bankruptcy. XXXX also went out of business in the year XXXX. 
Additionally, XXXX XXXX also signed the enclosed Assignment of Mortgage as an ( Assistant Secretary ) for XXXX on XXXX XXXX, XXXX. XXXX publicly went out of business in the year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My Name is XXXX XXXX, I would like to file a lawsuit against Portfolio Recovery. 
I was just denied for an apartment for me and my XXXX daughter. I asked the management office the reason for the Denial she told me a new collection from portfolio recovery. I told her that it is not new and it was getting ready to fall off. 
When I checked my report I saw that Portfolio is reporting the collection as new XX/XX/XXXX. I went ahead and check a few old reports and I see that Portfolio has erase each Month and would only report the current month as if it was a new collection. I spoke with XXXX and the representative told me that the collection is new. I told him that it is not possible he then replied by saying that is what the collection agency is reporting and asked for me to contact Portfolio Recovery. 
Portfolio continues to violated all laws of the FCRA and insist on reporting incorrect and inaccurate information with is a violation of my rights. This has caused me financial harm as I had to pay for the application that is refundable. I can provide proof of many credit report where they report XX/XX/XXXX, then delete XX/XX/XXXX, then delete XX/XX/XXXX report XX/XX/XXXX. The pattern is they delete every prior month so that it appears that the collection is new, causing my credit score to decrease. 
My next step is to file a class Action law suit. I am also part of a law suit filed in California where they repeated called my telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Debt collection (Credit card debt) with Continental Finance Company, LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The number ( XXXX ) XXXX and other variations of this number have been calling my mobile phone and my job for several months now. They would call my work number first, and then hang up without saying anything. Then a few minutes later, the same number would call my mobile number. I have blocked several numbers with the XXXX area code from my mobile because I know this company continuing to call me from different variations of their business numbers. Today, someone called my work number and wanted to verify my date of birth and did n't even tell me the name of the company. I asked what was this dealing with, and was told that it something to do with " my business ''. I ended the call because I was not going give my personal information. I then called the number back and the name of the company is XXXX XXXX XXXX. I stayed on the line to see why they were calling me. The woman on the line stated that she was a Manager, and that she needed to verify my employment and date of birth. I told her that I do n't give out my personal information. She stated that the company she was representing was XXXX, and that I had an account with them in 2014 and was making payments on the account. I told her that I do n't recall an account with XXXX, but that I had some fraud issues going on with a family member. She stated that if it was fraud or identity theft, the perpetrator would " hit and move ''. I again told her that my issues was with a family member, and that I did n't have an account with XXXX. I asked why was n't any letters sent out, and she stated that several letters had been mailed to me. I did n't get any letters. She stated that my information needed to be verified, so the company ( XXXX ) she represents will continue to decide on what actions needed to be taken on the account. I told her that I was n't going to verify any of my personal information, and I ended the call.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I received loans to go to school at XXXX. They closed before I was able to complete my degree. Navient started calling in collection notices before my alloted time to be in school was over ( the XXXX months you are allowed to be outside of school before collection begins ). Since none of the schools I could transfer credits to had the degree plan I was originally working towards, I decided to get my loans discharged. Since I filed with Navient they have been running me around, saying that something was n't filed XXXX time, that I was n't in school long enough to qualify for loan discharge - which I clearly was - and generally saying anything they can to deny my clear legal right to have my loans discharged. I was able to get them to allow a period of time before I started paying, which I have no plans of doing, in which I will be seeking legal consultation if possible on what to do. In the mean time, they are holding my credit XXXX and are suggesting that I file bankruptcy since I ca n't pay these loans. Navient is the worst and needs to be shut down!

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Clark County Collection Service (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have notified CCCS on several occasions that I do not owe to XXXX. They just refuse to dispute the debt on my behalf.

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. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XXXX many items were removed from my credit report Starting in XXXX a lot of those items were re-inserted with new opening dates. A lot of those items were old and should not be in my credit report. The worst part about it I did not receive any notification from the collection companies or the credit bureau 5 days prior to let me know that these items will appear in my credit report again.

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 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: InXX/XX/XXXX the property was purchased for $ XXXX and in XX/XX/XXXXa $ XXXX HELOC was taken out. As you already know, the original purchase was financed by two simultaneous mortgages for $ XXXX and $ XXXX totaling $ XXXX, but when the $ XXXX and $ XXXX were consolidated ( see Exhibit 1 ), evidently the $ XXXX was confused with the HELOC and left off ( see Exhibit 2, page 11 of title report ). Also, among other errors, $ XXXX in closing costs was apparently mistakenly entered as $ XXXX ( see Exhibits 1-4 ). If you resolve this soon we wo n't sue you. A sale of the property is collapsing, as we have previously told 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 05/26/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Wells Fargo Dealer Services in XXXX CA has reported incorrect late payment information on a vehicle my mother and I purchased. At the end of 2016 we refinanced the truck through our credit union XXXX. The same month the truck was paid off Wells Fargo said the payment was late. The credit union made the truck payoff before any late payment could even be assessed. I confirmed this with XXXX and with Wells but they have not responded to my inquires.

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 12-06-2017 about Payday loan, title loan, or personal loan (Payday loan) with Onward Credit Holdings, LLC (VA).
Issue: Charged fees or interest you didn't expect

Complaint: XXXX XXXX With a line of credit from Onward Credit, you will be charged interest on the daily principal balance. The daily periodic interest rate applied to your daily principal balance will be 1.09315 % ( which corresponds to an Annual Percentage Rate of 399 % ). By making payments that are larger than the minimum amount due, or by paying your balance in full early, you can significantly reduce the cost of your loan. 

Transaction Fee When you utilize your line of credit to take out a cash advance, a 20 % transaction fee will be assessed on the amount you borrow. For example, if you take out a {$200.00} advance, {$200.00} will be deposited into your bank account and you will be assessed a transaction fee of {$40.00}. Please note that the entire amount of cash advance will be deposited into your account and you do not have to start paying the transaction fee until your next statement due date. 

Principal Balance The daily principal balance ( upon which the interest rate is applied ), is determined by taking the beginning principal balance of your account each day, adding in any new Cash Advances, and subtracting any Principal Payments received that day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/13/2018 about Student loan (Federal student loan servicing) with GREAT LAKES (KY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I got a XXXX XXXX XXXX in XXXX in XXXX. When I graduated, I didn't know my options were limited to making about $ XXXX to pay off my debt, not allowing me to pay rent or other bills. So, I went to XXXX   school and got a XXXX XXXX in XXXX. I went on to become an XXXX XXXX, not realizing that the pay was so poor. Not only were the chances of getting a full-time job teaching college in my field slim, when I finally did get one it paid only $ XXXX. 

Fast forward to XXXX - I got laid off from that job and ended up getting a job in XXXX  XXXX that paid $ XXXX. I eventually switched careers to XXXX in various fields. I decided to go to XXXX school for XXXX  XXXX   to get my credentials in order to make more money. Fast forward to XXXX - I make $ XXXX a year, but now I'm about {$250000.00} in debt, a debt I never imagine ever being out from under. Lesson learned? I was daft to never realize ( 3 TIMES ) that actual college credentials would never afford me a job that would get me a high enough wage to pay off my debt and make more money. Now, I'm sacked with debt and wish I'd never gone to college. Now, I XXXX " XXXX over student debt '' and think about ruining my credit and/or having my wages garnished because that seems like a better option than continuing to pay this possibly for the rest of my life. What happens when I can't afford to pay it? There goes my chances of getting forgiveness - I take out a forbearance only to increase the debt and have that 25 year clock start ticking all over again once I do start paying it. 25 years is a long time. I'll be paying this well into retirement, possibly the rest of my life. I think of giving up. It's just not worth it anymore. Slave to 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 02/26/2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I mailed out multiple letters to Equifax stating a XXXX mortgage is reporting o my credit report. There is no activity on this account in XX/XX/XXXX or XX/XX/XXXX. I want it removed from my credit profile. I do not live in TN. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: hi I want to inform you I had credit card with XXXX after that I decided to close this account for many reasons:1- my XXXX decrease 2- I was unable to pay on time so the bank charged me high interest 3- I called the collection agency phone number:XXXX several times in order to fix the problem and get agreement monthly payment but I do n't get any right response until right now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Money transfer, virtual currency, or money service (Foreign currency exchange) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem with customer service

Complaint: Trying to invest in XXXX currency wont let me

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: My mortgage account I owed XXXX in XXXX XXXX I paid {$8800.00} in XXXX XXXX. And they are saying I owe XXXX.And in XXXX XXXX the statement says I owe XXXX. Then they charged me a late fee for what I paid my mortgage for a year ... .Wells Fargo Bank ....

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