milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-04-2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Other

Complaint: I received a letter dated XXXX/XXXX/15 stating that my credit card with best buy would not renew. They then closed the available credit limit that was available o the card. They stated that my score was too low. On XXXX/XXXX/15, I then went online to pay on the card as I do every month, manually. I found that the company had already paid on my account for XXXX 2015. After looking further into the matter, I found that they had set my account up for recurring payments without my consent. I called the number as listed on the recurring payment made for the month and spoke with XXXX staff ID # XXXX who stated that I called back in XXXX and set up recurring payments. I then told him that I did not. I asked him why they had not been taking the payments if I called and set up recurring payments in XXXX. I further asked him why was I able to make payments manually every on the account if recurring payments had been set up since XXXX. I voiced my concerns about they could have messed up my checking account by taking unauthorized payments from my XXXX account without my consent or knowledge. He apologized and removed the recurring payment feature from my account. I then asked for a confirmation email on this activity of the removal of the recurring payments to which he refused and gave me his staff ID as a reference. I feel violated by their unethical practices. First, they close my card which made my credit score go down and then they took money from my checking account without my consent or knowledge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: I applied to Wells Fargo XXXX branch to re-finance a second mortgage -- also called a line of credit. I lifted a freeze from all XXXX credit reporting agencies before doing so. I called Wells Fargo because I understood from another mortgage company that only a few banks will re-finance a second mortgage. It is a small second, {$15000.00}. I spoke to loan officer named XXXX XXXX at length in XXXX. Wells has a minimum of {$25000.00} but XXXX said it was do-able as long as my house appraised at {$110000.00} which is no problem in the XXXX, Fla. neighborhood where I live. It already hit {$110000.00} XXXX years ago when I took out the loan with XXXX XXXX. 
XXXX was very positive after getting information on my income. But, the same day, when she said she pulled my credit report, she said I had a score of XXXX which would not even qualify me. That was XX/XX/XXXX. 
I was floored. I have never had a score that low ; I have never not qualified. I bought my house in XXXX. I re-financed in XXXX and got a line of equity in XXXX. I can not fathom this. 
a few days later I was able to speak with a representative with XXXX and I told her looking at my reports, I can not see where my score would suddenly drop. 
She said my score, in fact, was XXXX on that day, at that time -- AND THAT WELLS FARGO NEVER viewed my credit report, it would show up, which of course they all do. I called XXXX, and said there was no Wells Fargo looking at my report, and that my score then that day was XXXX. This was on XX/XX/XXXX because I waited until I got the paper report sent to me from XXXX. 
XXXX said to the effect, oh I do n't know how " she '' got that score -- meaning the underwriter, and to scan and email my report. I do n't think so. It is clear, they just saw where my house is an made a wrong assumption that it is in a bad area. 
I live in XXXX XXXX, which is an up and coming area, a very hot market in fact. But if you are behind the times, property values might look depressed as XXXX XXXX is an old, re-gentrifying neighborhood, and has a higher crime rate. However, the bungalows are in high demand. A comparable to my house sold in one week for $ XXXX higher than my loan and it is only increasing. 
I do not believe their turn down was based on a rational score, or on anything rational, but was a case of red-lining, or discriminating against me based on where I live. 
It has nothing whatsoever to do with my ability to pay, or my house as a property. I do n't think they even looked at my credit report, but someone who works at Wells just blew me off for reasons that are illegal. 
Please find attached a copy of the page that came with my credit report from XXXX that showed my score on that day. My score has only gotten better, too, after XXXX inaccurate items were dropped.

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 Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Contacted Collection Agency Was Told To File Complaint With Credit Reporting Agency. Filed Complaint.Was told It was Mine No documentation Contacted XXXX XXXX Wanted Me to furnish State ID and SS Card This is fraud Did Not feel comfortable Sending Personal Information to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Bank of America has charged interest on my account immediately after my purchases. I was under the assumption that there is a required 21 day grace period.

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 01-07-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Navient has my loans. My loan payment amount continue to go up by hundreds of dollars and this is really affecting my credit. Can you please help me. I tried talking to Navient and that was no help. Please help me I dont know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Mortgage (FHA mortgage) with Seterus, Inc. (IA).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus did not apply my last month 's payment to my mortgage. It is going into a suspense account, which then generates a penalty, even though the payment is timely. They are also adding other unjustified charges. The Consumer Financial Protection Bureau allows these abuses to continue. They do not protect the consumer and should be disbanded.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PENTAGON FEDERAL CREDIT UNION (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called  PenFed a bout an inquiry on  X/XX/2017    and was told to send a copy of my credit report to the proper department as it was confirmed I did not apply for any products on the inquiry date. I have not heard back and the inquiry has not been deleted from my 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 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I was requesting the copies of my free credit report that I am to be able to access once every 12 months for free. I was able to obtain my XXXX and XXXX reports, but for some unknown reason, my Equifax credit report was not generated. This makes no sense to me since I was on XXXX and had provided the same information for all 3 reports. I was able to obtain two of them, why not three. I need the copy of my report to make sure that nothing is appearing on there that should n't be. I feel that a company may be trying to commit fraud on my credit report and you, Equifax, are hindering that.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (MN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: The company took illegal action against me but your forced choice format does n't allow me to select an appropriate option. They wrecked my credit rating after contacting you for a bill that had already been paid. It is also a continuation of an attempt to collect a debt I do not owe because my wife sent them checks but they simply did n't cash it. I understand I still need to pay them but they are simply not cashing the checks. We have carbon copies within a checkbook and well as torn off bank statements so we strongly believe we did everything in our power to pay the debt off. However, your forced choice format does n't allow a response. It 's also false statements because they told the CPFB they did n't know who I was when they must have. They contacted me immediately after the CPFB closed the case. However, your forced choice format does n't have an option for this false statement. It 's improper contact because they should have gone through the CPFB channels when the complaint was open. Instead, they contacted me immediately after it was closed. However, your forced choice format options do n't allow me to explain that. 

After contacting the CFPB see Case number : XXXX the credit card company claimed they had no idea who I was. The CFPB simply trusted the attorney and immediately closed the closed the case upon which the company immediately called me. Clearly, they knew who I was all along. I identified the bill in the question and checked with my wife who had already paid it and which I have ample documentation to prove. The CFPB chose to close the case even though the company had not responded and I did n't owe the bill they claimed I owed and had destroyed my credit rating which made no sense because they left my wife 's credit rating alone even though the bill in question was on a joint account. The CFPB also ignored that my credit rating was destroyed two days after I contacted them when the bill had already been paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/26/2015 about Mortgage (FHA mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Seterus around XXXX of XX/XX/2014. I had previously sent a payment of {$57.00} to cover an escrow shortage to my prior mortgage company. When my loan transferred, the amount of {$57.00} was credited to my escrow account as of XXXX XXXX, XX/XX/2014, however my payment was a higher amount. I contacted them on XXXX XXXXXX/XX/2014 and was told that they would not be able to credit that amount since it was received by XXXX. They proceeded to tell me my mortgage payment would be increased to {$1100.00} per month and would not be the {$1100.00}. The amount of {$57.00} was listed on my XXXX XXXX statement for the month of XXXX from Seterus as a single payment to my escrow account. Yet, I had to make the higher payment amount of {$110000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Deposits and withdrawals

Complaint: while I lived out of state, a niece, XXXX XXXX XXXX, cared for my now deceased mother, XXXX XXXX XXXX, who had XXXX. I now reside in XXXX, SC, since my mother 's death. 
My mother banked at the only Wells Fargo ( originally XXXX, then Wachovia ) Branch. XXXX XXXX removed my name off of the joint accounts ( checking and savings ) that I shared with my mother, and placed her name and the name of XXXX XXXX XXXX on the accounts. She then withdrew money from the account and gave it to XXXX XXXX XXXX, who opened an account at XXXX with himself and my mother as the account holders. 
When I relocated back to South Carolina upon my mother 's death, I was still using my bank accounts that I had established in California, so I did not immediately discover the fraud on the Wells Fargo accounts. When I subsequently went to Wells Fargo to access the accounts, I was told that I was n't on any accounts with my mother. 
At no time had I given Wells Fargo permission to remove my name from the joint accounts that I shared with my mother. Since Wells Fargo allowed an unauthorized individual to place her name on my and my mother 's accounts, we lost an estimated XXXX dollars ( {$25000.00} ) due to this negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My consolidated federal student loans are serviced by FedLoan Servicing. ( I have made about half of my qualifying XXXX XXXX XXXX XXXX payments. ) Last year, I received a pay raise from my nonprofit job, and in XXXX I filed the annual recertification paperwork. In XXXX, I was told that I was no longer eligible for the XXXX plan and was placed on the standard plan, which I ca n't afford. I applied for certification a second time because I am eligible for at least the XXXX plan ( my last XXXX is around {$67000.00} ). Since then, I have been deferring payments because I am unable to afford them at the standard plan rate. I also checked on XXXX separate occasions with FedLoan representatives, who quoted me estimate of approximately {$360.00} in monthly payments. In XXXX, XXXX approved me for the XXXX plan at {$410.00} per month. ( I can explain my math if necessary. ) The FedLoan representative I spoke with advised me to request a recalculation, which is just submitting yet another recertification, which will take several more months. 

The summary of this is that by initially and erroneously adding me to the standard repayment plan, which required me to defer loans for multiple months while they recertify me for an XXXX plan, and now asking me to submit the same paperwork for a third time, the balance on my loans with FedLoan has increased approximately {$9000.00}, or 10 %, in a matter of months. I have no recourse to expedite the recertification, I ca n't get insight as to the math they use, I always get conflicting information or learn something after it would have been beneficial, and each time I request a recertification, it takes at least three months, all of which puts me further behind making my required payments. 

FedLoan financially benefits from these delays by compounding the balance on my loans, all of which could have been avoided by competently recertifying me in the first place. 

I 've attached my latest tax return as evidence of my adjusted gross income, and I 've also attached documents from FedLoan Servicing indicating the revised monthly payment terms and forbearance notice.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I am a XXXX Veteran on a fixed income and I am seeking relief and any available damages from Navient for predatory debt collection practices on a private student loan. I became XXXX while in the process of obtaining a degree from XXXX University XX/XX/XXXX. At the Time I had Federal loans through XXXX and a private loan through XXXX. I went through a Bankruptcy XX/XX/XXXX which was finalized XX/XX/XXXX. XXXX closed the account on XX/XX/XXXX. No payments were ever made. After receiving my XXXX rating from the Veterans Administration I went through the process with XXXX to have my student loans forgiven and eventually received notification that the U.S. Department of Education had accepted my application ( attached ). Some time later this Company called Navient started harassing me and pegging my credit report for missed payments. I provided them documentation from XXXX and told them that I never had a loan through them. They stated that the letter did n't apply to them and that I had to pay. After quite a bit of back and forth and after them sending it to various collection agencies I had an attorney send a letter ( attached ). The original XXXX loan was originated on XX/XX/XXXX and account closed on XX/XX/XXXX. The Bankruptcy was finalized XX/XX/XXXX. Some time after this Navient somehow took over the loan and said I have to pay no matter what. My attorneys recommended that the best course of action is to go through CFPB as this company has a history of doing this and you are familiar with their practices. 1 This debt was listed on my bankruptcy. 2 if this debt is not covered by that bankruptcy the statute of limitations of 6 years for collections and 7 years for credit reporting has long since expired. 3 the process and proof produced to XXXX and recognized by the U.S. Department of Education should be recognized. This company continues to damage my credit and report monthly, this has cause me continued harm over the years ( credit summary attached ). This company took a {$1500.00} loan and turned it into a fictitious {$44000.00} debt that they never even serviced in the first place and use predatory collection practices to attempt to take advantage of unsuspecting consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2015 about Debt collection (Credit card) with Nations Recovery Center (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: We owed XXXX XXXX {$500.00} ; XXXX XXXX XXXX filed and obtained default judgment in XXXX XXXX Texas for {$5500.00} ; higher than the debt owed ; payments made were not included in XX/XX/XXXX. Now Nations Recovery Center in XXXX GA is threatening to garnish wages on XX/XX/XXXX for {$9400.00} and wants 25 % paid now which would be {$2300.00} or they will garnish my wages. This judgment is out of state and no longer on our credit report. We are not paying money again ; they would simply not count it and come after us for a higher amount ; numerous complaints on the web against Nations Recovery Center in XXXX GA. Complaints filed with FTC and XXXX Attorney General.

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 02/19/2018 about Payday loan, title loan, or personal loan (Title loan) with Select Management Resources, LLC (TX).
Issue: Problem with the payoff process at the end of the loan

Complaint: Due to the Hurricane Harvey damages and FEMA denied my application for assistance, I needed to get the remainder of the repairs done. I'd depleted my savings and repairs were really needed to live in the home. So on XX/XX/, I went into the XXXX XXXX XXXX location completed the Title loan application and she had me to sign the documents. The strange thing I was told they could not give me the funds at their location and needed to go to the XXXX XXXX XXXX location to pick up the funds. So they faxed my application and a copy of my vehicle title to the other location. The representative gave me a check for {$1500.00} and told me my 1st payment would be due XX/XX/. The Hurricane damages, no savings and one check coming after 2 -3 months caused a financial hardship. I decided to do a Debt Consolidation in which they wanted to pay off the Lone Star Title Loans. We called XXXX XXXX to let them know we were paying off the Title Loan but the company was paying with a check from XXXX XXXX. We told the paying company knew they do not accept their checks and I was floored. My loan proceeds for paying off other creditors would be processed after the payoff of the XXXX XXXX XXXX XXXX. I don't understand why they would not accept the payment from another financial institution. Now I can not get the loan.

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 08-05-2016 about Debt collection (I do not know) with Harris & Harris, Ltd. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received numerous calls from Harris & Harris Lmtd. stating that they are a debt collection agency and I must call them. They do not have a live person on the line when I pick up, and provide no reference to said purported debt. As far as I know, I do not owe anyone any money. These repeated calls border on harassment and I wold like them to stop. 

If they have a legitimate claim, they would be able to contact me in a reasonable manner, with sufficient details such that I would be willing to address whatever the alleged issue involved.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HEARTLAND PAYMENT SYSTEMS INC (FL).
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: Credit Report with XXXX / XXXX show 90 days late payments for XXXX University student loan. Information was provided by XXXX student loan servicing XXXX university student loans. The period reported as late payments was XX/XX/XXXX / XX/XX/XXXX/ XX/XX/XXXX. During this period I was pursuing my Doctor at @ XXXX XXXX XXXX XXXX. I will XXXX in XXXX 2017. Deferment has been requested from XXXX University. To avoid accumulation of interest on my student loans, I have been able making some payments despite being in deferment. This has ruined my ability to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a tax lien through WA state and its been paid off for over 2 years. Numerous times I have asked for it to be removed from my credit report both with XXXX and equifax and both stated I needed to ask WA state to do it. I called the state court again today and they said the credit agency needs to do it. No one is helping me and this is affecting my credit big time

Company response to consumer: Closed with explanation