milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-11-2015 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (CA).
Issue: Application, originator, mortgage broker

Complaint: USB contacted me because their records on me indicated I should qualify for refinancing my mortgage and equity line ( they 'd tried a year ago ). I wanted to have them all be XXXX loan ; I got told had to be separate and with a 20 yr. on primary. I never signed an authorization to proceed. I got several things in the mail including what to submit -- I began sending but had not done all the required documents yet and then saw that the amount of my primary mortgage was in as equity line instead of reverse ( a XXXX-fold difference ). I emailed ( the way we 'd been communicating ) asking for the mistake to be fixed saying I was not going to proceed until they did -- silence and today 's mail brought the expected rejection letter due to their mistake. I want it fixed and removed from my credit records since I am proceeding with my credit union given USB 's ghastly mistake and handling of the application process. 
Also, I was told there would be free appraisal and no fees which was not how the documents I received showed it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I entered into an agreement to combined XXXX accounts into XXXX account. All docs were emailed and fax 'd several times. The email address and phone number to that perticular department ( combined offers ) Never get a response nor does anyone answer the phone, and the rollover feature that 's on the phone is bogus. When I called into the main number I was informed its in process, I called XXXX and XXXX to express my concern on how this is going to be reported, as I have been told a payment is not due while this is being worked on. I was told several time this will not affect your credit. XXXX they reported XXXX delinquent. This dropped my fico score XXXX points, Im guess because its mulitple accounts. i called to inform them of this. XXXX have some very unethical practices and do some things illegal. Such as call your number cell and home XXXX times a day and leave numerous messages. i have never been 30 days with this company and have paid accounts off early. but yet they call prior to the bill due and after, they have several different numbers they use, its harrassment. it is very stressful!!! its unfair to treat customers this way. I have uploaded a few pages of my credit report. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Financial institution offered {$300.00} bonus for new account being opened and meeting condition of 3 consecutive months of {$1500.00} being direct deposited to account. Conditions were met in XX/XX/2018 and payout of bonus is said to occur within 45 days. Bonus has not been paid.

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 03/27/2017 about Credit card () with CITIBANK, N.A. (VA).
Issue: Billing statement

Complaint: On XX/XX/XXXX, I submitted a change of address request to XXXXSears Master Card. I XXXX in XX/XX/XXXX, my minimum payments were {$10.00} so therefore made them {$25.00} a month while awaiting my statements to be forwarded to my new mailing address. Months went by and I had not received my statements, I tried logging into my account but the website certificates were not authorized on XXXX and the page would not load. I continued to make $ XXXX monthly payments but one arrived a day or two late which created a late fee which caused the months of XXXX through XXXX to be less than the minimum amount. However, I had no way of knowing because Citicorp had not honored my change of address request and I was not receiving statements and I could not log into their website due to certificate issues on the XXXX. I never knew that a payment was receive late because I had not received statements which are required by law to be provided to the consumer. Upon my return to the States in XXXX, I paid off remaining balance and it was not until a XXXX Credit report that I realized that CitCorp reported me four months behind on payments even though they had been receiving regularly monthly payments for more than the minimum due. 

I contacted them in XXXX, XXXX and again in XXXX via letters and a BBB complaint. I spoke to a representative that confirmed that they had received my change of address and was unsure why I had not received those statements. It was escalated to the Credit disputes department with no word until a letter was received from XXXX XXXX form their Executive Resolution Team. I appreciate the letter and response but the letter contained many inaccuracies that I have addressed. To date, Citicorp has continued to report my payments late even though they received monthly payments and they never provided me with monthly statements to my change of address as requested and received by Citicorp per their representative. I was charged extraordinary late fees for months that I was never late but failed to meet minimum payments because of a late fee which was caused by not receiving statements. Therefore & lt ; for a original balance of {$95.00} owed on XXXX Statement, I paid {$350.00} in which {$230.00} in late fees for something I was unaware of because they never sent me a statement. They claim I was on electronic statements from XX/XX/XXXX which is false because I was receiving them prior to my departure in XX/XX/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 07/14/2017 about Debt collection (I do not know) with Professional Credit Management, Inc (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: i sent a letter in XX/XX/XXXX asking for proof of account, i never received any documents in regards to the account, and it still reporting on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Debt collection (Medical) with AmeriCollect (AK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am filing this complain against AMERICOLLECT INC and XXXX XXXX XXXX for unfair business/collection practices. 
I received a collection notice XX/XX/XXXX regarding an unpaid medical bill that I was not aware of. When I called the collection agency, they only wanted my information and immediate payment. Frustrated, I told them that I was not aware of this bill and they should not be collecting it therefore, I will not be providing any further information to them. 
right thereafter, I called my doctor 's office to voice my surprise and frustration regarding the situation. I was told that there may have been some mistakes but they will get back to me very soon. I never heard from them until today, XXXX XXXX, 2016 when I received an email from XXXX informing me that my account was flagged for collection. 
I immediately called AMERICOLLECT INC and had a very complicated communication the account. I repetitively expressed my disagreement about the whole process. 
How/why am I being held hostage for an unknown-unpaid bill? 
Why has n't XXXX XXXX 's office return my phone call? 
From the collection company 's own statement, a claim was filed with my insurance and is pending. Yet, they still flagging my credit account for collection. I tried my best to tell the supervisor that my account can not be under collection as long as the claim is pending. Further, my Doctor 's office ought, by curtesy, to inform me if the insurance declines to pay the bill. I will then have the obligation to pay the money myself and solve the problem with my insurance. 

AMERICOLLECT agents want to pretend to help me while falsely assuming that I did not pay my bill and it went to collection. The supervisor wants to make be admit that she 's trying to help me. I feel insulted because I never asked for help. Should there be help to be provided, it would be for AMERICOLLECT and XXXX XXXX XXXX. I simply ask for my right to be fully respected and nothing else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit card () with DISCOVER BANK (NY).
Issue: Other

Complaint: I discovered after closing my business that an employee had applied for a Discover Card in my name. After multiple attempts with certified letters requesting proof of my signature and debt validation I never received proof. Finally, after XXXX years the derogatory information falls off my credit report. On year XXXX Discover filed a 1099, as you know this is a fraudulent filing, but the IRS does not know it is, and I have the IRS coming after me for thousands I do not owe. 
I have a statement showing the charge off in XXXX. I need Discover to cancel the 1099 asap.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Mortgage (Conventional fixed mortgage) with Experian Information Solutions Inc. (TX).
Issue: Credit decision / Underwriting

Complaint: Had several mortgage loans change servicers outside of my control. The change in servicing companies is reflected in my credit reports. The problem is that these all now appear as new lines of credit, substantially lowering my average account age and therefore lowering my credit score.

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 11-10-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NM).
Issue: Loan servicing, payments, escrow account

Complaint: I am filing a second Complaint because Ditech has not corrected my account, has made false statements, and has shown very confusing and obfuscated accounting Re : [ Case number : XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was sent a letter by an attorney  XXXX   XXXX  with  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX ,  XXXX  CA  XXXX . They stated that I owed  XXXX  to  Capitol One  Bank  XXXX .  XXXX   XXXX .  XXXX , VA  XXXX , and they were going to obtain judgement against me for that. This letter was dated  XXXX   XXXX ,  2017 , I had 30 days to write them back and dispute the debt. I did so, and asked to see the application for the debt, and to know where the moneys were sent to. Because I never signed such an applicaton nor have I ever recieved any moneys from them.   They wrote me back a letter with reciepts attached f rom Capitol One Ba nk. Not what I requested? Nor was it any help to me.   I am going to reply to both  Capitol One a nd  XXXX   XXXX   XXXX , but have not yet done so as I am requesting help from you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The name XXXX listed and reported on my credit report is not mine does not belong to me.

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 04-05-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I made repeated phone calls to XXXX Navient and told them I was unemployed and could not make payments. They were not willing to work with me at all on stopping the need for payments and negative reporting to the bureaus or even agree to a low payment plan. They were very unreasonable in asking for at least XXXX a month which was impossible for me to pay. This is XXXX of XXXX loans I have with them. As a result my credit has been significantly damaged and now they are suing me and will post a judgment against me. I am a single parent of XXXX children getting assistance from the state for expenses. My original balance of XXXX is now at XXXX which includes the compounding interest.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: In 2009 I had gone through an ugly divorce and was left unemployed, with no assets and no transportation. I had to survive off my credit card for a couple of months but always struggled to repay my debt. Capital One began calling me incessantly. I explained my situation to them, but they were unsympathetic. They threatened immediate legal action if my full balance was not paid in full within a matter of hours after having spoken to them. Believing that legal action could jeopardize my immigration status in the United States, I borrowed money from as many people I knew in order to pay off the credit card debt. I still owe loved ones for the money I had to borrow from them. This has hurt my credit and my relationships. I was bullied into an immediate payment. I hope the consumer protection agency can help correct this injustice. Thanks for considering. All my best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I have just submitted my story. If CFPB can help, my story should be considered as my complaint. Increase of 33.33 percent in period of loan ( 30 to 40 years ) and reduction of rate of interest by 21.54 percent ( from 5.1 to 4.0 percent ) for hardship loan modification is neither justice no fair practice with the customers/homeowners. This credit goes to CHASE, my mortgage financer. I have only XXXX house and it is my primary residence.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have submitted several request to Equifax about XXXX account that was paid in full. They claim they researched it but I do not believe them. I have a letter from company saying its paid, however, Equifax says they spoke to creditor and it 's not. I think they are not looking up information. The company wrote me a letter because of this issue. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Student loan (Non-federal student loan) with AES/PHEAA (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had to get a private student loan my first year of college, I went to XXXX. They sold my loan to " American Education Success ( AES ) ''. I am trying to get a long term loan repayment modification to get my monthly payments down to a reasonable rate because I do n't make enough money to be paying their full monthly payment on top of my other loan service providers ( for context I have over $ 100k in debt, Thanks America. ) First they call me saying I did n't put in the correct count of loans I have ( I 'm paying for all my loans including the ones 'technically ' under my fathers name because they are Parent PLUS loans ), which is super petty ... but anyways I fixed it according to what I discussed over the phone and emailed them that SAME day. Now, a month later I get an email saying they never received anything and they 're denying my request. So I frantically call them ... AGAIN. She says a note was put on my account that on XX/XX/XXXX ( I emailed them with the corrections on XX/XX/XXXX ) that nothing was received. So I correct the employee on the phone and told them to look again. She comes back after putting me on hold saying they did in fact receive my email ( so now they 're liars ), but no one would tell her why now I 'm getting told I never submitted anything ; and that my account would have to be put under review. This review will supposedly take another 7-10 days. Guess what 's due conveniently that soon? Oh yea, my next loan payment. At this point they are purposely stalling to get more full monthly payments out of me. I DO NOT have the money to sustain this B.S.. AES is a scam and need to be reported for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: Experian is still reporting my XXXX XXXX account as an adverse account that is negative with a late payment I am uploading proof from XXXX XXXX that this account was never paid late. I have attempted numerous times to correct this. Having this wrong information reporting is affecting my credit score.

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 07-09-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (KY).
Issue: Application, originator, mortgage broker

Complaint: filed bankrupsy XX/XX/2007, XXXX mortgage was Litton Loan at the time. Was purchased by by Ocwen. Ocwen purchased a debt in bankrupsy, this loan was not reaffirmed, and according to our loan officer it is an uncollectable debt. Yet they call multiple times a day, as early as XXXX. They have added lawyer fees, late payments, and are ruining my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Results Unlimited, Inc. (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: XXXX XXXX XXXX and Results Unlimited, Inc. has sued me via civil judgment for debt relative to their decision to evict me after my roommate moved out unexpectedly. After much pleading and providing a plethora of supporting evidence, the company pursued legal action and I was never informed. 
I eventually found out that there was a trial and judgement placed on my credit. I did an annual credit report review and noticed this judgement on my credit for {$3.00}, XXXX. The company has now placed a garnishment of 25 % of my disposable income and has since increased this amount to {$4800.00}. 
Meanwhile I have not been properly informed of any of these actions taken against me. Results Unlimited has not provided me with any forms or documents that has outlined any of their processes and actions toward pursuing this judgement of collections against me. When I reach out to Results Unlimited they only give me verbal information and aggressively leave me without any hard copies of evidence used in a court of law against me. 
I am a law abiding citizen who has overcome many personal obstacles to obtain my current career. This company sent court documents to an address that I moved from some 2 years ago and since have since lived at XXXX addresses any of those potentially being my " last known address '' but they chose the furthest address relative to time moved and distance to send these court correspondences. 
This company continues to use bad servicing practices to prey on individuals whom are already in compromising positions. I need assistance with this matter immediately and I am thankful for the support of CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: I requested from the US bankruptcy Courts of Ohio how they go about reporting to the 3 credit bureaus and they sent me a letter dated XX/XX/XXXX stating they do not report to the credit bureaus. I sent this information to the credit bureaus on XX/XX/XXXX via certified letter and had no response. On XX/XX/XXXX I  called Experian to inquire if my letter had been received and was told that the letter had been received but that the information would not be put in dispute or removes, based on the fact that the fcra protects 3rd party reporters and the information obtained was public record and could be reported by any contracted reporter to the credit bureau. When I asked the young lade ( XXXX ) to let me speak to her manager for resolution I was sent to a voicemail box for ( 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 10/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I had an a credit card with citi bank between XXXX and XXXX and I believe the bank overcharged too much in fees and I received a letter stating I will be refunded but till today I did not receive in check from 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