milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-05-2017 about Debt collection (Private student loan debt) with WELLS FARGO & COMPANY (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Currently as noted online, I owe Wells Fargo {$390.00}. I had a deferment on my account and requested this as I was finishing my semester. I had asked for this and still had problems and some of the accounts were not deferred initially but eventually everything was sorted out. After graduation in XX/XX/XXXX, Wells Fargo cancelled the deferment I suppose because I graduated but I have not made a payment and began searching for a job. I have recently started at work but do not get paid until the end of the week. I plan to make a payment to rectify the debts I owe as an honest person. However, Wells Fargo has consistently called and harassed me many many times. For example, they have already called me today twice at XXXX and XXXX EST. Yesterday they called me 4 times at XXXX, XXXX, XXXX, and XXXX EST. This is only a summary of the recent calls from this exact number. This has been going on for at least 2 weeks or more with other numbers as well. I believe it to be harassment at this point. I have sent a message explaining my frustration today and was unable to contact them by phone. In the past, this has happened multiple times and I have received Robo calls, text messages, and human calls repeatedly. Sometimes, after I had already spoken with them and had payments or deferment processing. They call regardless.

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 12/23/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Advertising and marketing

Complaint: Despite my repeated requests to be removed from Capital One 's mailing list for credit card offers, I keep getting them in the mail. I have called, left messages, and talked to people with guarantees that I am off their list yet I keep getting them. I am already on the non-solicitation list with my credit report yet Capital One keeps mailing me offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Contacted a member of my family and shared with them the original creditor 's name as well as the amount of debt owed. Demanded payment from this relative and demanded it be paid immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: i did loan rehab in XX/XX/XXXX paying almost XXXX a month on a ( im going to round up ) XXXX loan then the monthly payment dropped to XXXX a month in XX/XX/XXXX i have always payed XXXX a month and 15 years later i still owe over XXXX and my expected payoff is XX/XX/XXXX this makes no sense to me i have had many loans in the past that i have been able to pay off why wont this balance go away even when i pay extra every month.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I 've been involved with several complaints against Bank of America and in each attempted response, while they address little to nothing, they have literally now sent me XXXX ( very literally ) XXXX of pages of documents. I wish people could opt out of receiving paper documents especially after receiving them multiple times. So many pages have now accumulated that now simply have to throw all of this in the trash as it 's impossible to shred all of it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX, delteted an account from my credit file. Now they have are adding it back to my credit file one by one. When I checked my credit it now reporting on my XXXX report saying I owe XXXX ( Whom I 've NEVER DONE BUSINESS WITH ) .. XXXX This account was deleted from all three of my reports late XXXX of 2017.. The FCRA states I must be notified in writing before it 's placed back on my credit. I never received notice. I believe I never received written notice because I 've informed them this account is fraud. It does n't belong to me. I have been a victim of fraud!! I also ask this company for validation of this debt and never received it. I received a letter from XXXX XXXX stated they would Deleted account from my files. *PLEASE ATTACHED 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 non-monetary relief
Consumer complaint received 04-05-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I had a credit card with XXXX. They kept upping my credit limit and charging me XXXX every time without me asking them to. Then, I made a payment at XXXX XXXX on due date and they said it was late because it was after the business day ended. They charged me a late fee which made me over limit and charged me an overlimit fee. I refused to pay and they closed my account but charged me late fees and overlimit fees for 12 months. Account was bought out by Midland Funding XX/XX/XXXX. They began sending me settlement letters telling me if I took the deal, they would reverse my Interest charges. I called and they would not send me a contract in writing saying that fees would be removed, so I told them I was not paying. They began calling me up to 5 times per day even though I told them I knew they could only call once. After I threatened to sue, they stopped calling my phone and started calling my parents house and sending letters there. They had my confirmed address and phone number so this was also a violation. I had to call them again and asked them why they keep contacting my parents. I am XXXX years old and married with XXXX kids. I have never lived at the address my parents live at, and I have never used it for anything. They said that they never got any reply to the letters they sent me so they sent them there. The last letter they sent was on XXXX XXXX, XXXX. I called on XXXX XXXX, XXXX. They denied making calls and told me I could not prove it. They said the last record of a call is XX/XX/XXXX. That is a lie.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Problem with fraud alerts or security freezes

Complaint: SinceXX/XX/XXXX I have tried to have a security freeze removed from my TransUnion credit profile. I initially called them onXX/XX/XXXX and they were not able to identify me because my name didnt match their records. However, I escalated to a supervisor who was able to validate me. I was told a pin would be mailed to me in 7 business days. I waited several months and no security freeze letter was received. On XX/XX/, I repeated this process and once again was told a letter was going to be mailed, none was received. I repeated this process every month while also supplying letters demanding the security freeze to be removed. My last interaction was on Thursday, XX/XX/XXXX 

Transunion is in clear violation for failure to respond and holding my credit profile hostage. 
Ive leaned that they have a name in my profile that doesnt match my drivers license, social security card, my passport, or birth certificate. 

Im demanding action to force Transunion to comply and correct 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 12-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I realized there were several inquiries on my credit report that I did not recognize. I placed a fraud alert on my credit report to prevent it from happening again. I contacted Transunion and was told that there was nothing they could do unless I contacted all of the creditors and had them submit a request. That is an unreasonable request as there are XXXX unauthorized inquires on my credit report. I do not have the time to do that, nor do I think a consumer should. In those cases, the credit reporting agency that provided the information and is reporting it to others, should do their own contacting. I was told there may be a glitch that affected my credit report and resulted in those inquires being placed on 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 explanation
Consumer complaint received 12-07-2016 about Mortgage (FHA mortgage) with RELIANCE FIRST CAPITAL LLC (PA).
Issue: Application, originator, mortgage broker

Complaint: We were refinancing a Loan with Reliance First Capital , LLC XXXX, New York, XXXX. It has been 1 year and 6 months to try to refinance!!!! 
They are incompetent, they cover up mistakes their employees make on mis-information on the forms you fill out just to extend the length of the processing.. They double talk you and repeatedly ask for information that you send to them over and over again just to drag their feet on the loan process. We paid them {$650.00} in fees for appraisals only to be denied the loan. 
How long does it take to get a home refinanced? Please, BEWARE OF RELIANCE FINANCIAL. I would not wish this experience that we went through to my worse enemy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/23/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: i received the enclosed package from Wells Fargo flatly refusing to help me in any way shapre or form and still not taking responsibility for there mistakes. 

I asked for modification documents, short sale and deed in lieu 4 months ago, to date i have received nothing, and have been refused any modification any principle reduction without even applying for assistance. 
XXXX owns my loan Wells Fargo services this loan. Without allowing a borrower to apply for these programs without due cause is not legally allowed. Under what grounds are they denying? 

They have yet to resolve the title issues but for the protection of themselves they filed a claim with the XXXX, if they didnt mess up the modification with not properly showing liens i had no knowledge of the modification wouldnt have been allowed. 

I asked for a new Rep since it just felt like the rep assigned is continously stating they did nothing wrong. Well if you did nothing wrong you wouldnt have a claim in with XXXX. and you would be handling my concerns and providing the paperwork for programs that are in fact out there for people in my situation. 

Any thing i have asked WELLS FARGO THEY REFUSE TO HELP OR ASSIST

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 09/28/2015 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (TN).
Issue: Problems when you are unable to pay

Complaint: Ford motor credit repossession our car XX/XX/XXXX.We pay them {$500.00} but they still took the car.Then turn it over to XXXX & XXXX XXXX XXXX law office who return put a lean on our property.We file bankruptcy XXXX which we included them for the amount of {$11000.00} which have they refuse to honor the court dismissal of this XX/XX/XXXX discharge they will not remove the lean.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I went to a USAA ATM to withdraw money from my USAA checking account. My USAA ATM card and my USAA credit card look almost identical. I accidentally put my credit card in the ATM instead of my ATM card. I proceeded with the withdrawal and at no time did the ATM indicate that I was using a credit card or that I was taking a cash advance. The screen asked how much I wanted to withdraw and my receipt says withdrawal. I did not know that I had made a cash advance until later that night when I was reviewing transactions. I called USAA the next day, but there was nothing that they could do because the transaction had not posted yet. The following day, I paid the money back that I had withdrawn and I called USAA. The 2 people that I talked to said that they would not refund the fee and interest and that it was my fault that I put my credit card in the ATM. I believe that there are several instances of deceptive business practices in this case. 1. The cards look almost identical. 2. The ATM did not tell me which account I was using. 3. The ATM told me that I was making a withdrawal not a cash advance. 4. The ATM did not tell me that I was going to incur any fees. 5. The receipt told me that I had made a withdrawal not a cash advance. 6. There were no fees listed on the receipt. 7. USAA did not allow me to reverse the transaction even though I notified them right away when I realized the mistake. I believe that this could have been prevented if USAA had been more open about the transaction while it was happening. It also could have been resolved easily by the company, but unfortunately their representatives just did n't care. This is actually the first time that I have had a less than awesome experience with USAA customer service.

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 03-03-2017 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Deposits and withdrawals

Complaint: My pay check was deposited yesterday and at midnight tonight was to Huntington Bank. They are then showing that it is there AND the balance is showing available funds over {$1000.00} yet I cant pull money out of an ATM. I cant buy gas which I needed this morning to get to work. I almost always get gas Friday morning or afternoon as its pay day. 

I call and what a treat the automated system is to get thru to a person. 

To be told its processing. 

IT SAYS AVAILABLE! They have my money, and its reported AVAILABLE and CURRENT BALANCE. 

What is the bank in another time zone then me? If it says these words that means the present time we are both in. which mans now. Not whenever they feel like releasing my paycheck so I can get gas to get to work.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: For three days I have been trying to get connected to XXXX to place a credit freeze. Their web site for this specific action does not load and their telephone numbers provided on the web sites go to automative systems that go dead when you get to freeze options. Tried to get to an operator by finding a brick and mother location and phone number. This just results in them sending be to a special services line ... .where I have been on hold yesterday for 1.5 hours ; and today I gave up after 20 minutes.
This feels like they want to prevent folks from putting on credit freezes. Note I have had no trouble with XXXX or XXXX. If it is not a strategy, then I question their business model and ability to effectively manage information on me ( for which I have had no choice ). Now I will write my congresswoman and senators.

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 10-03-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Predatory lending complaint against Bank of America.The bank has refused to refinance my loan stating I do not make enough income for this loan. 
The bank has refused to offer any program of assistance on this loan stating I make too much money and can afford this loan. 
The bank 's current loan has a monthly payment with will increase by approximately XXXX per year. The bank will apply extra fees and charges due to my inability to stay current on this new and unmanageable payment.

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 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Problem with fraud alerts or security freezes

Complaint: I am part of the equifax breach, was offered protection and after 7 days received the signup email to trustedid premier. The website keeps crashing and will not let XXXX set up an account. I have tried for 3 days with no success. They say to keep trying, the phone is busy.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (MI).
Issue: Application, originator, mortgage broker

Complaint: My name is XXXX XXXX XXXX and i, m being Deined the right to Purchase a House from HUD .My credit # is XXXX the Bank is saying that i need XXXX or XXXX to get a Home Loan even the Credit Union is saying thati need XXXX and XXXX to buy .Thats a Violation of my rights it puts me in a deined state .We are also being Deined because we don, t live in Mississippi, But we are relocating to Mississippi.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Student loan (Federal student loan servicing) with Account Control Technology, Inc. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: ACT or Account Control Technology, keeps harassing me at my job. I have told them to stop calling me at work, but they call several times. If anyone answers the phone they ask them a XXXX questions about me. Then they badger whoever answers accusing them of being me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: To Whom It May Concern, In XXXX, I wrote a formal letter to the XXXX main credit bureaus Equifax , XXXX and XXXX requesting them to close an investigation for disputed items on my credit. I requested them to remove the " DISPUTE REMARKS '' from my credit report since the investigation has taken over 90 days. 

I am attaching a copy of my credit report, SSN card and a copy of my driver 's license for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2016 about Credit card () with U.S. BANCORP (NY).
Issue: Sale of account

Complaint: XXXX transferred my XXXX card into a XXXX XXXX card. When they did so, they failed to maintain my auto-bill information on file and did not notify that such information would not be transferred. As a result, my payment was not auto-paid as I requested. I now have a derogatory mark on my credit score that will not go away for 7 years. I would like XXXX to clear the derogatory mark and waive all late fees and interest charges associated with their failed transfer.

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 04-07-2017 about Mortgage (VA mortgage) with AmeriHome Mortgage Company, LLC (DC).
Issue: Loan servicing, payments, escrow account

Complaint: Since XX/XX/2016 I have been in a fight with AmeriHome Mortgage about them not paying my property taxes from my escrow account. I have received tax bills from XXXX showing delinquent and current taxes owed. When I call AmeriHome they insist there are no taxes due. I have advised them that they had the wrong parcel # ( XXXX ) on my account information and the correct parcel # ( XXXX ) as shown in the documents I signed at closing and as shown on the tax bill. They have been saying for 5 months now they are checking with XXXX Tax office to verify parcel #. At least that is the story I get every time I call or email 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 04/24/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Credit card protection / Debt protection

Complaint: This is an amendment to my previously filed Case number : XXXX. 
As I stated in original complaint about Best Buy Debt protection form, I have received the form on XXXX XXXX 2016, I filled it with whatever information I have and sent it by XXXX XXXX 2016. 
This is because I was checking with my XXXX about my eligibility for unemployment benefit. I talked to state unemployment agency and they finally registered me. Only thing I am worried about the consequences of this on my XXXX now. XXXX verifies about such claims and may disapprove my XXXX and may XXXX me and my whole family. Just wish to clarify this to BestBuy. I have attached copies for their reference with this complaint amendment.

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 10/24/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Synchrony bank closed my account for a returned payment when the payment cleared the account. It 's important to note this account was paid in full earlier this year. I contact Synchrony Bank and was advised the payment was reflected but I was required to fax evidence of the payment. This is XXXX of many accounts I have with Synchrony Bank and I continual experiece problems with payment process, fraud, name change to an unknown name, it goes on and on.

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