milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX has reported a 30 day late payment for XXXX of XXXX on my credit report. The account is always due on the 3rd of the month and I 've paid it every time since opening the card in XXXX. As usual I entered a payment online before the XXXX XXXX due date using capital one 's website. I believe the system had an error and did not process my payment. I was unaware until I saw the late payment on my credit report. It was a small payment and I always pay at least the amount due. The limit on this card is {$500.00}. My name is 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 01/20/2017 about Credit card () with BARCLAYS BANK DELAWARE (MA).
Issue: Billing disputes

Complaint: I ordered a product online and never received it. I contacted my credit card company they canceled the order then refunded my money. At that point I received an email from the vendor apologizing for not giving me the product then they said they gave me a full refund. ( in XX/XX/XXXX ) My credit card company then recharged in me in XX/XX/XXXX saying I received the product even though I sent them documentation saying that I have n't received it. The vendor says they refunded my money in XX/XX/XXXX the credit card company says they did n't I have been fighting this since XX/XX/XXXX. The vendor is XXXX the credit card company is Barclaycard. Neither company is helping me and both blame the other while they have my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/19/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: This is an ongoing problem where Wells fargo Violates the FDCPA and the FCRA This complaint is a continuation of the numerous complaints that i have filed that to date have went unanswered by Wells Fargo. 

Today Wells fargo after being informed by me on several occasions to to stop sending people to my home they send another person to my home again today demanding payment of my mortgage, This representative of wells fargo was screaming at my wife that we need to pay the mortgage to her right then and there. 

my neighbors were looking as to what was going on. 

The government needs to do something to enforce the laws put in place. 

I believe that Wells fargo is attempting to defraud the FHA insurance program by refusing to correct their inaccurate records

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 05/24/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/16 I sent Ditech a payment in the amount of {$20000.00}. This payment was for my XXXX XXXX 2016 payment of {$630.00} and the rest was to go towards the principal {$19000.00}. Ditech applied the entire amount towards the principal. 
I contacted Ditech on XXXX/XXXX/16 to resolve this issue. It was not resolved because of an internal problem at Ditech. 
I again contacted them the 1st week of XXXX because the issue was not resolved. Again, I was told they are experiencing a delay because of an internal issue. 
I again contacted Ditech on XXXX the XXXX as the issue was still not resolved. 
Ditech then sent me a statement on XXXX the XXXX stating that my mortgage was overdue and I was being charged a late fee of {$26.00}. 
I contacted Ditech on XXXX XXXX as this issue was still not resolved. 
On XXXX/XXXX/16 I sent a payment of {$2000.00}. The payment was for the XXXX XXXX 2016 payment of {$630.00} and the remainder was to be applied towards the principal {$1300.00}. 
I received a statement from Ditech on XXXX/XXXX/16 that the payment I sent had been applied towards XXXX and XXXX payments and towards a late fee of {$26.00}. 
I contacted Ditech on XXXX/XXXX/16 to speak with a supervisor. Again, I was informed by Ditech that this issue is in process of being resolved. 
I have called Ditech 5 times to resolve this. Each time I have called, I 'm told that they are in the process of correcting this but they are having internal problems that have caused a delay in service. 
This has gone on for a over month now without resolution! 
In the history of this mortgage, I have never paid late!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: I have been struggling with Mr. Cooper Mortgage company for 2 consecutive years. In the year of 2017 I paid the Property tax and home insurance, and sent proof of payment to Mr. Cooper of such payments. They tried to charge me for property taxes and home insurance claiming that i had not payed and that they had to pay for my home 's property taxes and insurance. The issue was not resolved until I submitted a claim with consumer affairs and they where able send Mr. Cooper the proof of payment I had previously sent them in order to stop Mr. Cooper from trying to raise my monthly mortgage payment to pay Mr. Cooper 's Property tax and insurance charge. Beginning in XX/XX/2017, Mr. Cooper has began to charge me for Property Taxes and Insurance. I have Spoken with and sent Mr. Cooper proof of payment for Property taxes and Insurance, in order to avoid there charge added to my monthly payment but I have not had success taking that monthly charge away with the proof that was sent to them. I have reached out to consumer affairs for the second time in order to help me resolve this issue. They have recommended I submit a complaint with the Consumer Finance Bureau. Since they also believe I should not have to go through the same problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (I do not know) with Oakridge Direct Solutions Inc. (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Oakridge is the company name. All threats are about legal actio. It 's a male calling someone else and me but wo n't disclose any information he just threatens me. Listed phone number is  (   XXXX   )   XXXX . He never identifies himself. He is extremely rude and says he 's going to do a lien and law suit. Says he will see me in. Putt but had been doing this for a year now and I still do n't have any idea why. It 's ridiculous.

Company response to consumer: Untimely response
Consumer complaint received 12-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have filed numerous complaints and disputes with Transunion, and as a monthly subscriber to their credit services, I have to say that I 'm appalled by their level of paying-customer service, much less attention to the needs of the consumer. Once they open an investigation, it essentially FREEZES the entire credit report during the dispute process, which takes approx. 30 days for each dispute. This means, that even though I have daily access to view updated credit reports, they information is static. 
On 10+ occasions during the past month, I have contacted them concerning an account to which I was listed as an " authorized user ''. This account was supposed to be removed over XXXX days ago, but they have failed to remove it. This past occurrence, I was instructed on XXXX XXXX that I would need to dispute the information directly with the creditor and file a dispute with Transunion. I did just that, and now they are approximately 20+ days into that dispute and have not contacted the creditor once. I spent over 4 hours on the phone with several departments within the creditor, and they assured me that nobody from ANY credit agency has contacted them, much less Transunion. 
I 've attempted to upload files to their dispute process, but since my report/file is completely frozen, it is impossible to do so. I 've tried faxing in supporting documents to the number they provided, but the fax # has been busy for 10 straight days. I 've tried calling them to request an email address I can send supporting documents to, and they attempt to convince me that nobody in their company has an email address. 
To date, I have contacted XXXX XXXX XXXX XXXX Credit Card ( XXXX the same place ) and have removed myself as an authorized user for the account. My wife is the only person financially responsible for this account, and I have supporting documents to show this removal. I 've attempted to have this resolved quickly by Transunion, but they seem content to not do anything in terms of an actual investigation and are failing service expectations miserably.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Received free credit report from Experian. XXXX unauthorized charges appeared on my credit card.

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 08/30/2016 about Consumer Loan (Vehicle loan) with VW Credit (CA).
Issue: Taking out the loan or lease

Complaint: I bought a new VW car through VW Credit in XXXX. The contract allowed extra monies paid over the payment amount to be applied toward the principle. VW Credit changed the contract without notifying me and began to apply the extra monies paid over the payment amount toward future payments instead of toward the principle, allowing them to continue to accrue interest even though more money was paid down. I only learned of this after not receiving a monthly bill. I phoned on XXXX/XXXX/XXXX to inform VW of the missing bill, which is when the representative informed me of the change in policy. The representative informed me that the only way to have the excess money applied toward the principle from now on was to phone VW Credit each and every time a payment is made and inform them to apply that month 's excess amount toward principle. The average wait time to talk with a representative has been twenty minutes in my experience, plus the actual phone conversation time. With this representative, I requested that the two payments I made have the excess money applied toward the principle, as per the " new '' VW policy, and requested that he make a complaint about their new policy on my behalf. The representative said he would. I checked my account on XXXX/XXXX/XXXX and found that no adjustment to the principle was made and that it shows my next payment due in XXXX of XXXX, which means that VW Credit is still applying all extra monies toward future payments, against all my wishes, and still charging me interest on the full loan amount. I sent in a written complaint to VW Credit through their website about these deceptive practices. So far I have gotten no response, nor have I received any written notification of any policy or contract change. First VW cheats on its environmental requirements with its TDI diesels, now it cheats on its financial dealings with customers. This is a breach of contract, and VW Credit should not be allowed this offense.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (AL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: On XX/XX/2018 I received an email that my monthly transfer was cancelled because my business savings account had been closed. This was the first I had heard of it, and when I called, I was simply told that the account was closed due to no " human initiated '' deposits or transfers. I had a scheduled monthly transfer into the account, which I initially opened only at Wells Fargo 's insistence, and has been open for over 2 years. No recourse was given for closing the account, and I was simply told that no one was notified and that was just the way they did this.

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 12/17/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax has been reporting XXXX bankruptcies that do not belong to me. I keep on disputing and these credit reporting companies responded with verify and validated which is not true. I went to XXXX Bankrupty Court in person to investigate and Spoken with Court of Clerk. She informed me it could be computer error or someone with same name but they did not verify or validate information on credit file. See attached letter from Clerk of Court

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Consumer Loan (Installment loan) with ERC (FL).
Issue: Problems when you are unable to pay

Complaint: Never had this service period

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 04/25/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA).
Issue: Fraud or scam

Complaint: this is  XXXX   XXXX  who used MoneyGram on-line service on  XXXX / XXXX / 2017  for the first time to transfer money in the amount of {$320.00} +  XXXX   ( f ee ) for the on-line purchase and found out that was scam. When I contacted th  e MoneyGram and was told that the money already picked up by receiver and they are not responsible for any causes, I was refer to the website link regarding to all potential fraud.
My concern is that MoneyGram should be compliance by provide that info before consumers press the " SENT '' or any verification process between the sender and receiver before the transaction finalized. By this method which will eliminates the fraud transactions made by the scam artist since they are continuing use this services    as a tool to take advantage of all citizens  like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. Numerous bank accounts have been opened using my name and personal Information as a result of fraud. Banks affected were as follows Chase Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
I am not responsible for any charges made to these mentioned accounts. 



According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this negative trade mark being reported to all major credit reporting agencies. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Trouble during payment process

Complaint: ***PLEASE NOTE THAT NATIONSTAR/MR COOPER HAS STOLEN MY XXXX PAYMENT*** THEY WERE TOLD TO PROPERLY CREDIT IT ON THE PHONE AND REFUSED IN VIOLATION OF LAW ... THIS IS RECORDED ON XXXX XXXX 'S LINE*** > > > NATIONSTAR HAS CONFIRMED LOAN ORIGINATION FRAUD > > > NATIONSTAR HAS CONFIRMED LOAN ESCROW FRAUD > > > NATIONSTAR HAS CONFRIMED COMPUTER FRAUD > > > NATIONSTAR HAS CONFIREMD ADDING ILLEGAL FEES > > > NATIONSTAR HAS CONFRIMED THEY DO NOT HAVE THE PROPER LOAN DOCUMENTATION ***NATIONSTAR HAS FURTHER CLAIMED THAT THEY ARE ABOVE THE LAW AND THEY DO NOT HAVE TO COMPLY WITH STATE OR FEDERAL LAWS*** QUOTE FROM THEIR RESPONSE ON THESE ILLEGAL ACTS THEY HAVE CONFIRMED " At this time the account is current and due for XXXX XXXX, 2017. After completing our review into the aforementioned issues we determined that  overall, there were no errors on our part. '' IN ADDITION, NATIONSTAR HAS LIED ABOUT A FORECLOSURE THAT THEY SAID WAS NOT HAPPENING, THEY HAVE ALWAYS FAILED TO PROVIDE MONTHLY STATEMENTS, AND THEY ARE ALL STILL REFUSING TO COMPLY WITH ANY LAWS

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Payday loan, title loan, or personal loan (Installment loan) with LENDING CLUB CORP (AZ).
Issue: Problem when making payments

Complaint: I had to change my bank account three months ago and the change did not take. They have calling at three times a day. Reporting my account late and charging me NSF fees on no bank account on file. They refused to fix the problem and will not remove the fees. The wealthy taking advantage of a consumer..

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-08-2017 about Debt collection (I do not know) with D. SCOTT CARRUTHERS (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: received messages from my BOSS telling me that they were contacted by XXXX of this company. and that i would get reprimanded if they continue to receive personal calls regarding me. They have contacted my supervisors telling them they are attys looking for me and that i need to call them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Vehicle loan or lease (Loan) with HONOR FINANCE, LLC (NV).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: {$4000.00} down payment, on a {$7000.00} loan. Crooks here is a copy of my XXXX   credit report can the company please explain how i owe this much?

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Prepaid card (Gift or merchant card) with DISCOVER BANK (MA).
Issue: Managing, opening, or closing account

Complaint: My prepaid card has XXXX $ on it. I called number on the back and After following the prompts, entering the number and expiration date, I got a voice recorded message that the card and the funds on it are no longer valid. The card is a prepaid discover, and the expiration was XX/XX/2015. Is there any way I can redeem the $ $

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Debt collection (Credit card) with SUNTRUST BANKS, INC. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX 2014 I received XXXX checks in the amount of {$1900.00} each directly deposited into my checking account. I withdrew the funds and did not find out until months later than they had insufficient funds. I had {$950.00} in my Suntrust account which Suntrust debited and charged the balance to my Suntrust Credit Card. I contacted Suntrust and informed them what happened and have been making monthly payments. My credit card was connected to my checking account for overdraft protection. The checks are being invested by XXXX XXXX Fraud department and XXXX XXXX Police. Suntrust has called me XXXX times to collect the debt. They are aware of what happened and I am making payments monthly but they have continued to call me although I have asked them not to call me. I am currently on XXXX with many medical problems and I am not suppose to get stressed. I consider this harassment because there is nothing that I can do because I am not employed. I have paid them {$900.00} within the past 3 weeks and it does n't seem to matter. I banked with Suntrust for 36 years and I expected to be treated better than this. They have treated me like a criminal. My credit card limit was {$6000.00}. The additional {$3900.00} made my account over the limit. I am being harassed for the overage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have had continual problems with a XXXX XXXX credit card I am a co-signor on. I have filed numerous complaints over the last few years relating to the identical issues. 
1. XXXX XXXX reports inaccurate information 2. XXXX Bank again has reported inaccurate information on my credit report 3. XXXX XXXX does not respond timely to my complaints 4. XXXX XXXX  has admitted to errors in the past but still does not correct these errors 5. I have documents factual proof from past issues and this current problem Current and newest problem : Requesting an EXPEDITED Resolution for the following reasons : -XXXX XXXX has reported a credit card in my name as ( 30 ) days Late for XX/XX/XXXX - I have irrefutable proof XXXX XXXX reported the above account as late inaccurately attached is a copy of my Experian credit report from XX/XX/XXXX and a copy of my XXXX XXXX statement dated XX/XX/XXXX showing a balance of {$120.00} and paid on time, NOT {$4700.00} - US Bank event reports the date of last update as XX/XX/XXXX THIS IS MORE PROOF OF XXXX XXXX  CONTINUALLY MAKING ERRORS

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