milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Trouble during payment process

Complaint: My mortgage company XXXX XXXX XXXX XXXX sold my loan to Freedom Mortgage. At the very of end XX/XX/XXXX and throughout the month of XX/XX/XXXX I received at least 2-3 pieces of mail and 2-3 emails from NYCB alerting me of this change. I did not receive a single email from Freedom Mortgage and only received my new loan number in the mail from Freedom less than 10 days before my first payment was due ; the paperwork we received was printed/dated XX/XX/XXXX. Besides being illegal, this is not good business practices and thank goodness I 'm web savvy and could still create my new account and get my mortgage paid when it was due. This was an incredibly frustrating experience wondering if Freedom would get me my information in time. I attempted to create a new account on the Freedom website, but was unable to since I had not yet received my new loan number. Compounding this issue, XXXX in the middle of the transfer alerted me that we had an escrow shortage, but I could not resolve that after XX/XX/XXXX according to XXXX because all new payments should be directed to Freedom. Please let me know how this will be remedied as this was a very poor customer experience.

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 02/17/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Deposits and withdrawals

Complaint: My spouse & i have banked with Wells Fargo for years, I wanted to deposit XXXX into our checking account, they ran the money through their machine and the branch manager said a XXXX bill was counterfeit. I then took my sharpie money marker and made a yellowish green mark on the bill to prove to him that it was good. He said to me "no that is counterfeit & i can't allow you to leave here with it, I insisted on a copy of it front & back, He gave me a copy of it and put the bill in his pocket of his suit. I told him we got the money from this bank, he argued that i did not. I told him that we always cash checks here & have for 25+ years. I ask him a question, "what kind of bill would i have had to cash to get back a XXXX bill ?" He replied "It didn't come from this bank:. God knows as well as we do that that bill came from that bank. I have my copy of the bill with the serial number's on it clear as water. Even though we got a checking, saving's, XXXX & an IRA with this bank and all of the tellers know us very well, The branch manager kept the money and did not once offer to re-place it. This particular bill most definitely came from Wells Fargo Bank. I have tried to get help with this & it seems it does not matter to anyone. I am considering not only changing everything to a different bank but also hire a lawyer and see what can be done about this, Just to prove to the branch manager that this bill was a good bill and definitely NOT counterfeit. I am contacting the XXXX and filing a complaint there as well. This is not right, Nor is it fair........In my opinion he just made himself a free XXXX dollars. We are very upset about this & i will not stop until justice is served. No matter what it cost me out of my pocket just to prove to him that i am right. He took our money & thinks he is going to get away with it, But he is not !!!! My opinion would be for people to beware if you are banking at Wells Fargo Bank....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Debt collection (I do not know) with GC Services Limited Partnership (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This man by the name of XXXX was borderline aggressive and rude. After picking up the call, he assumed he was speaking to the debtor which he was not. I asked him to give me his contact information, and he just replied by claiming that I was in deed the debtor. At this time, I again stated I was not and repeated for him to give me the name of the company he was calling on behalf of, and he responded by again repeating the debtors name. I informed him that this number has been calling this residence non-stop and if he could provide me with the company he was representing. He replied that I did n't need to know this and not to concern myself. I ended the conversation by telling the agent that he was Very rude and he should brush up on his communication skills when calling someones home and that he should ask instead of accuse people of being another person. It is Ridiculous how some companies are allowed to treat consumers in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit card () with FIRST NATIONAL BANK OF OMAHA (NY).
Issue: Billing statement

Complaint: I have a XXXX 's CC that had a {$12000.00} balance, at about 15.5 % interest. Received an offer from XXXX for a First Bankcard CC stating 5.99 % interest, fixed until paid, on balance transfers. Would n't let me transfer whole amount, but did transfer {$4800.00}, plus a transfer fee. First payment they wanted {$350.00}, which was not expected, but evidently they wanted their transfer fee plus interest right away. The second payment they wanted a minimum of {$160.00} ( on a {$4700.00} ) balance. XXXX 's minimum was {$150.00} on {$7800.00}. 
I called First Bankcard, and their answer was they charge 3 % minimum vs. XXXX 's which is probably around 1 %. I was not aware different banks could charge different minimums on their CC 's, so feel I was somewhat taken advantage of. I then asked why, in their minimum payment warning, it states if I only pay the minimum ( {$160.00} ), it will take me 7 years to pay it off, but if I pay {$140.00}, it will be paid off in 3 years. The representative tried telling me it was just an example and did n't apply to my card. How can that be? My XXXX 's card states at the minimum ( {$150.00} ), it will take 20 years, but at {$260.00}, it will take 3 years. I believe First Bankcard is using false advertising or some kind of accounting practices that just do n't make sense. I believe the minimum should be lowered, or I want a statement saying I only have to pay {$140.00} and it will in fact be paid in 3 years. I was so 'put off ' by them that I did cancel the card.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a dental issue and paid for it using CareCredit.. now Synchony bank. the account had monthly payments that were supposed to be {$90.00} a month, zero interest for XXXX years. I make bi-weekly payments of {$50.00}. At some point an additional charge was added that resulted in my payments being short and subsequently lead to late fees of $ XXXX/month and interest. I did not authorize this charge. I made numerous attempts to correct this and on several occasions have brought the account current and still disputed the charge that I did not authorize. Finally after nearly a year, they removed the charge but did not correct the fees and interest that had accrued or credit any of the fees or interest back. My account is still short, still being charged late fees and interest ... and my promotional period is about to end which will result in huge charges if not paid in full. They never even sent confirmation of removing the erroneous charge In fact on the same statement the charge they still charged me interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This acct has been removed from my XXXX and XXXX credit report its still showing on my XXXX!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Wells Fargo credit card services closed my account on XX/XX/XXXX, because of late payment on one of my other credit cards. I spoke to them on XX/XX/XXXX and they refused to give me my rewards that I earned through there credit card. It was about {$1200.00} dollars worth of rewards that they owe, and the person who I spoke too refused to give those rewards. They said the only way to get those rewards was to reopen that account. I spoke to someone in customer service about reopening my account and they said that the account is permanently shut down and would and be reopened and the rewards are therefore forfeited.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-09-2016 about Debt collection (Mortgage) with Omega RMS, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Someone has stolen my identity and has apparently opened a mortgage in my name. I 'm not sure on how how stop this, but this is not my mortgage and the debt is n't mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Payday loan () with WELLS FARGO & COMPANY (CA).
Issue: Can't stop charges to bank account

Complaint: Wells Fargo Bank of California charged my checking account {$500.00} without my knowledge or authorization. At the time Wells Fargo called their payday loans a " direct deposit advance '' which they know longer have that program due to consumer complaints. My checking account was put into overdrawn status, with overdraft fees instituted monthly, {$35.00} each month until they closed my account without my knowledge or authorization. Now that " direct deposit advance '' is more than double the original {$500.00}. I can not open another bank account, and have a strike on my credit reports. I can not get Wells Fargo to rectify the situation. I banked with them for almost ten years before this with no overdrafts. The first payday loan occurred in XXXX with renewals up until XXXX. Numerous checking and savings accounts were also opened without my permission.

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 06/22/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I spoke with a representative on XXXX XXXX, 2015. His name was XXXX and his ID # is XXXX. I called to make a payment on the account. They would only take my checking account number. I gave him the routing number for my bank - XXXX XXXX XXXX and my checking account number. XXXX. This is the same account number that I have given to other companies to take money out my account and to have money put into my account. I have had this checking account for over 10 years. XXXX even game me a confirmation # of XXXX. I noticed on a correspondence and my checking account that the payment was not processed. I called today on XXXX and spoke with rep ID # XXXX who originally told me that the payment was rejected on XXXX for NSF, I explained that could n't be true because I am looking at my account and there were funds in my account on the XXXX, how could you verify a checking account in XXXX hrs, and that I did not have any NSF fees from my checking account. He placed me on hold a little longer and then he came back with the excuse that it was n't the XXXX payment it was my XXXX payment that was rejected, I said that was not true because the XXXX payment is showing on the automatic system when you call in to my account and it was also a bank transfer - guaranteed funds. He placed me on hold again and then this time he said it was rejected on the XXXX because my bank said it was the wrong account number. So, I called my bank with the Ocwen rep on line and that credit union rep confirmed that the account number and routing number XXXX gave on the XXXX was correct, but maybe Ocwen can try putting a XXXX before everything, due to Ocwen 's system XXXX. He said he would try but if it reject again he would charge me another NSF fee. I explained that the XXXX XXXX would need to be credited to my account and due to OCWEN system issue I should not be responsible for any fees. He said no I am still responsible. There is also an {$110.00} fee on my account that XXXX on XXXX could not explain what it is for and that he said will stay on my account until the Maturity date and will not effect the principal or interest or negatively effect the account,.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Defer my loans i did n't know interest would be added after doing so now I owe XXXX more than my original debt

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with American Profit Recovery, Inc (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently had to get a copy of my credit report and found a company claiming I had an account with them. I called for copy of a invoice for services because I did not use this company. This account was in my ex husbands name and when filed for divorce he called and put my name on the account. I did not use this companies services. I called and asked for information and I was told they could not give me a copy to call the collection company. I called the collection company and they only have the amount owed on account. I have not received any invoices from the company or collection agency but they are on my credit which is bringing my number down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (MI).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: In  XXXX  of   XXXX  , a company called General Revenue Corporation, with their representative  XXXX   XXXX  in New York using the number  XXXX , has called more than 25 people in regards to my student loans. He has told them my phone number, where I live, and where I work. Some of the people did contact me and told me exactly the questions that were asked. He contacted my ex-husband and gave him this information. My life is now at risk!! He has been contacting people in my husband 's family whom I have never even heard of or know. He has also called my work number and has left messages with our administrative team. Questions he asks are "  Does  she still live at  XXXX ? '' Is her number still  XXXX ? Does she still work at  XXXX ? ''  XXXX  has called people I have n't worked with in years and has been giving them my information.

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 06/21/2016 about Debt collection (Medical) with Harvard Collections, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continually harassing and reported on my credit report a debt that i didnt owe and its not mine. It is a medical expenses and showing on my credit report violating the HIPAA privacy act. I would like to take legal action on this incorrect reporting and would like to follow up with the collection agency legally.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney Generals office. The items  that appear on my credit report as : 1. ACCOUNT NAME : XXXX XXXX XXXX # XXXX ACC BAL : {$100.00} This account has never produced a Proof of Claim nor has it responded in the 30 days since notification, error please delete. 2. ACCOUNT NAME : XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX XXXX, {$28.00} This account is a duplicate never showed proof of claim error please delete. 3. ACCOUNT NAME : XXXX # XXXX ACC BAL {$100.00} This account was Discharged in bankruptcy was never updated properly error please delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2015 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Account opening, closing, or management

Complaint: I was recently approved for a Navy Fedral Credit Union credit card in combination with my checking and savings account that I have with NFCU. I needed to pay a few bills and I was in between pay cycles at my job and I decided to use a portion of my line of credit to have cash ( {$1000.00} to be exact ) transferred from my credit card into my checking account online through my NFCU online account on XX/XX/XXXX. As I went to the bank to withdraw the funds I went to the drive through and presented my Drivers License and asked to have the funds withdrawn which was when I was told that I needed to come inside the bank branch and show my Driver 's License, Proof of Residence and proof of my Social Securtiy Card. I was of course shocked to discover this so I called the bank and provided my verbal password and confirmed my phone PIN with the phone bank rep. I explained to the banker that I had every document to send except my Social Security card including my XX/XX/XXXX XXXX 's the banker explained that it could not be accepted and the only option I had was to show my Social Security Card. The banker also explained that in addition to sending my documents that I would have to wait 24-48 bus hours for them to be reviewed, despite the weekend approaching. Therefore I was forced to take time off of work and go to my local Social Security Adminstration office to apply for a replacement card since I could not locate my original card. Considering the fact, that I am a Fraud Manager at another financial institution and I am familliar with fraud security and fraud proccesses, however there was ABSOLUTELY NO willingness to help a customer in need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am victim of identity thief I have fraudulent inquiries on my credit report for credit I do n't apply for XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Att XXXX XXXX XXXX XXXX auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wfds XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now com XXXX XXXX Srng XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief