milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2015 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (MN).
Issue: Managing the loan or lease

Complaint: This loan is with Wells Fargo. The account number is XXXX. My credit report says that I am current, current but past XXXX days XXXX times. I was not. In XXXX of XXXX I was late with a payment. I was under the understanding that all the money that I had paid extra each month had me paid ahead and I was under the understanding that I was XXXX months ahead. It was applied to the principal. As soon as I found out that I was late I paid the money. That is the only time that I was late and not 30 days late. They have me listed as late in XXXX, XXXX and XXXX and I most certainly was not 30 days late and have the canceled checks to prove it. I have disputed this account many times including with XXXX. I pay my mortgage regularily and have not once been 30 days late. They ca n't even get the dates right. Each time I dispute the accusation, all I get is the response, no that is correct and that is it. They ca n't respond anymore than that because the dates are wrong. On my home equity line of credit, they have me listed as late once. NO I WAS NOT. They have the wrong account number on the pay stub every month. My accout ends in XXXX and the stub always ends in XXXX and until it was caught they called me late. To this day is still says XXXX and I have to cross out everytime before I pay or I am stuck in line for a half an hour while they try to figure it out. I have called and complained on this as well and they simply say no it is correct. This bank is run by idiots and is a crime to anyone with common sense. They are only trying to hurt me and my wifes name because we got an attorney involved to dispute fraudelent charges on some lines that we had. I have been told by a friend in upper Management at Wells that Wells has contacted all of the local banks and not to lend to me and that Wells is to be contacted if I go to their banks looking for money to borrow. This is black balling and is a crime in the United states of America and suit will be pending if this is not corrected. This is a serious crime and demands direct attention.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (AR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX reported to my XXXX and XXXX credit reports a collection account for XXXX on XX/XX/XXXX andXX/XX/XXXXof 2017. I was never notified of this account and XXXX XXXX has not provided any evidence that I owe this bill or that they have a legal right to collect it or report it. They are in violation of Federal law. My current and correct address has been the same for many years.

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 09/27/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: in XXXX we feel behind by 2 months on our mortgage, and we offered to pay extra each week to catch it up over 3 months, Ocwen refused to allow us to do that, they said we had to pay the full 2 months at once or we could n't pay it. Now they are withholding {$400.00} of our escrow payments which was to cover our flood insurance, which for an unknown reason FEMA decided we are no longer in a flood plain, so they are refused to pay it. They keep lying and tell us they tried to call, we have caller ID and not 1 call came in, they continuously harass us if our payment is n't in by XXXX, even though I have called and said it would be paid by x date. They try to tell me yesterday ( XXXX ) that I was not authorized to discuss our loan, but I hung up and called back and was told that I am, this has happened on numerous occasions over the last few years. These are the ones that are fresh in my mind, but they never listen, always rude and never want to work with you if you do have an issue. They just want to undermine you so they can work to repose your home.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit card () with DISCOVER BANK (OR).
Issue: Credit card protection / Debt protection

Complaint: I received a credit card that I did not apply for from Discover. When I contacted the company my experience was very suspicious. When I Gave the woman my SS number on the phone there was complete silence for several seconds when I asked are you still there? She acted surprised and asked me again for my SS number. I gave it again and she asked another time for it as if it did n't match her records. After several minutes of conversation and verifying my info she asked a fifth time for my SS number. At that point I got terse with her and said " You have asked for my SS number 5 times, what is going on here? '' I then asked her for my SS number and she gave it to me. I then asked for all information she had on me. This included a fictitious email address and a long past phone number of mine. When I checked my credit the following day I had no indication of identity theft and not even an inquiry into my credit from Discover. I do n't know what is going on here but It seems that Discover may have purposely issued this card as an aggressive and illegal sales effort or perhaps issued it wrongly without verifying my information. I believe this needs to be investigated by the U.S. authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: CHASE CHECKING XXXX OWES XXXX XXXX {$6.00}. IN REPLYING, CHASE, DO NOT SUBMIT A PDF DOCUMENT. I CAN NOT OPEN CHASE 'S PDF DOCUMENTS. CHASE DELIBERATELY REPLIES WITH UNOPENABLE PDF DOCUMENTS. FORCE CHASE TO TRANSPARENTLY RESPOND WITH WORD DOCUMENTS. DO NOT REPLY TO THIS COMPLAINT WITH AN UNOPENABLE PDF, CHASE. REPLY VIA WORD DOCUMENTS ONLY. 
COMPLAINT CHASE CHECKING DENIES XXXX XXXX {$6.00}. CHASE CAN NOT BE TRUSTED TO DO ANYTHING ETHICALLY RIGHT ONLY TO DO THINGS TO BETTER CHASE. CHASE HAS NO SCRUPLES WHATSOEVER. MOREOVER ANYTHING CHASE DOES WRONG IS BACKED UP BY THE GOVERNMENT. CHASE IS TOO BIG TO FAIL. FINALLY CHASE HAS LINED THE POCKETS OF XXXX AND XXXX WHICHEVER SIDE WINS TO DO CHASE 'S BIDDING. THERE IS NO VOICE FOR THE PEASANT. SEE ATTACHMENT FOR PROOF I AM OWED {$6.00} BUT HERE IS PROOF NOW. 
XXXX & lt ; XXXXXXXXXXXX & gt ; To XXXXXXXXXXXX XXXX XXXX at XXXX PM Hello, We 're writing to let you know we processed your refund of {$6.00} for your Order XXXX from XXXX. 

This refund is for the following item ( s ) : Item : Personal Influence ; the Part Played By People in the XXXX XXXX XXXX XXXX Quantity : XXXX XXXX : XXXX Reason for refund : Item out of stock Here 's the breakdown of your refund for this item : Shipping Refund : {$3.00} Item Refund : {$2.00} We 'll apply your refund to the following payment method ( s ) : Bank Account : {$6.00} We 've processed a refund for the above order in the amount of {$6.00}. The refund should appear on your account in 2-3 days if issued to a credit card. 
Refunds issued to a bank account typically take 7-10 days to reflect on the account balance. 

Have questions about our refund policy? 
Visit our Help section for more information : XXXX We look forward to seeing you again soon. 

Sincerely, Amazon.com We 're Building Earth 's Most Customer-Centric Company http : //www.amazon.com Note : this e-mail was sent from a notification-only e-mail address that can not accept incoming e-mail. Please do not reply to this message.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I want to file this complaint against XXXX XXXX Navient as support for the lawsuit that has been filed. I too, would like to sue XXXX XXXX Navient for their subprime lending practices. Heres the backstory, I graduated from XXXX XXXX in XXXX with approximately {$85000.00} in private loans from XXXX XXXX at the time. I was experiencing hardship and having a difficult time finding suitable employment in the recession. I needed to take something so I ended up working a retail job making $ XXXX hr. XXXX continued to harass me about making payments and I eventually enrolled in a forbearance. 
Years later, in XXXX of XXXX, Im finally in a position to make payments towards my loans. To my surprise, my private student loan debt ballooned to a massive {$160000.00} with XXXX loans originated at 10 % and XXXX of my highest at an alarming 14 %! They never mentioned the interest rate reduction program to me until I called in to start making payments in XXXX. It was as if they were hiding this program and using it as a last resort. I was very upset to learn that this option was available and was not offered to me when I initially graduated, which potentially could have saved me thousands in interest. 
Moreover, what initially sparked me to file this complaint is that I just spoke with a representative to renew my rate reduction plan and she state that instead of being able to lock in a lower rate for a whole year they have now altered the terms of this program to be renewed every XXXX months, which allows them to charge higher interest rates at a much faster pace than in the past. Every time a borrower renews under this plan their interest rate usually increases a percentage point until it reaches the regular interest rate charged on the loan. I feel like I am drowning in debt that I had no idea I was getting into. I am angry that I went to college only to find myself manipulated into high interest loans that have prevented me from purchasing a home and living the XXXX dream. I myself have thought about taking legal action against them, but I know that its difficult to fight student loan lenders and win. If Navient continues to deny claims of predatory lending, Id be more than happy to submit account statements dating back to loan origination. Should you need any additional information, please feel free to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: I purchased ( 4 ) {$500.00} Visa Gift cards from XXXX on XX/XX/XXXX. I have not received the cards as of today, XX/XX/XXXX. I opened an investigation with XXXX/Blackhawk Network and was informed that the cards were registered in someone else 's name and were completely used. 

I received letters in the mail stating that Blackhawk did not find the transactions to be fraudulent and are denying my claim. 

I 've neither received the gift cards I ordered nearly 2 months ago nor have I received a refund to my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: We have been asking for Wells Fargo to give us a modification. We submitted all of the documents that they asked from us. They assigned to XXXX XXXX and XXXX XXXX. We received a call from her 1st on the XX/XX/XXXX but when she called by husband was driving and was not able to pick up the call but when we tried to call her back she did not answer she called back again and said that she will call us again but we have not had a chance to talk to her. All we were told was that they are reviewing the file. In the meantime they scheduled a Foreclosure sale date forXX/XX/XXXX. This is what they have done for years of requesting for a loan modification. We submit our documents but they will not talk to us and let us know what is going on. 

We know they have worked with other homeowners with same situations. They gave them modification, they allowed the missed payments to be deferred and gave them payments that allowed them to be able to keep their homes. Why not us too? My husband still have XXXX and still working. Please help us get Wells Fargo to help us.

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 03/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (AZ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: This started in XX/XX/XXXX when Sears alerted me to high value charges. Since then there has been multiple communication with Sears Credit Card Fraud Department since this date both in writing and over the phone including Today. Sears Cred Card Company currently claims I owe over {$3800.00} in fraudulent charges to them that I never made and have reported this to the credit bureaus even though according to my records Sears Credit Card Company owes me money since I have paid off everything that I charged to the account. They are trying to claim these charges are mine when the paperwork that they sent to me from XXXX showed an XXXX XXXX made these purchases and was shipping them to my address but was taking the packages off of my porch prior to me getting home since this XXXX XXXX knew I am gone at least 10 - 11 hours a day. This XXXX XXXX and not me is the one responsible for these charges. Despite alerting me to these fraudulent charges, Sears Credit Card Company was doing nothing but giving me the run around by saying different things such as the investigation is still open then it is closed then it is still open. Sears Credit Card Company has failed to give me a detailed explanation as to why I am responsible for  these charges when an XXXX XXXX made these purchases and swiping the items from my porch area prior to me getting home. I was not aware of these charges until after Sears notified me. Starting prior to this time period and up until XX/XX/XXXX, when this XXXX XXXX was shot to death due to him stealing from a XXXX in XXXX, AZ, he has a long history of theft. XXXX XXXX took advantage of my kindness, took my credit card number and wrote it down, possibly while I was asleep since I am hard of hearing and do not always have my hearing aides on, and recorded this information on his XXXX, XXXX, and XXXX accounts. Sears has failed to remove these fraudulent charges and is trying to get me to pay the $ 3800+ balance and reporting this information to the credit bureaus when it is clearly evident this XXXX XXXX was the one who made the purchases. I expect Sears Credit Card Company to remove these fraudulent charges from my account along with paying me back the money that I have overpaid to them. I have included what is my charges and the amount that I paid. Everything is not 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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: please find attached the creditors letter for which they have approved of these negative mark removed from the account, ( letter attached ), the other two bureaus have already removed the negative mark except XXXX and i have attached the same letter over and over again, i have also verified with the creditor wells Fargo and they have sent the notification many times please have XXXX change their reporting thank you

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 01-12-2017 about Mortgage (Conventional fixed mortgage) with AMERICAN INTERNET MORTGAGE (AL).
Issue: Application, originator, mortgage broker

Complaint: I completed an online mortgage application ( jointly, for myself and my spouse ). Two days later, I noticed that both my and my wife 's XXXX credit scores had dropped by over XXXX points. I expect a slight drop after a hard inquiry, but nothing close to XXXX points! When I investigated, I learned that AimLoan had made XXXX separate hard inquiries one day apart - once on XX/XX/XXXX and once on XX/XX/XXXX. There was no change in the scores reported on the XX/XX/XXXX and XX/XX/XXXX reports they received ; however, immediately following the second inquiry, our XXXX scores were dramatically hit. When I initially asked AimLoan why XXXX separate inquiries were made, several representatives told me that it should only count as one inquiry and that I should " not overreact '' to a " slight drop '' in my credit score. Unsatisfied with that answer, I continued questioning AimLoan representatives further. I then learned that they first ran our credit scores individually. Then, when they realized their error ( that the initial paperwork was for a JOINT mortgage ), they ran us a second time jointly the following day. I spoke with a XXXX representative and they stated that AimLoan could call them directly to have XXXX of the XXXX inquiries removed and correct our credit scores. To date, I have asked AimLoan representatives multiple times to call XXXX and they have refused. Even though they have assured us multiple times that their inquiries should only count as XXXX hard inquiry, they are unwilling to call XXXX to ensure that result. The loan is still in process, and given the company 's lack of concern and unwillingness to make a simple phone call to correct their duplicated hard inquiries, we are beginning to feel like they 're trying to prevent us from shopping around/getting a competitive rate with this significant hit to our credit scores. I 've talked to XXXX different AimLoan representatives and attempted to work through their Complaint Department and have made no progress. No one will explain to me WHY they wo n't call XXXX to have this simple error corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I receive telephone calls from Portfolio Recovery Harassing me about an account XXXX I have never done business with them. They Claim XXXX XXXX Bank was the seller when was this and for how much? They state that I owe them {$1600.00}. 
This is false XXXX XXXX was more than 8 years ago for less than {$200.00} while I was sick. XXXX had been up for many many years and these people continue to damage my credit. 
They should be fined for harassment calling, false reporting, harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2017 about Debt collection (Other debt) with AFNI INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Afni is stating that I owe a debt in the amount of {$330.00}, the original creditor is  XXXX . I have repeatedly disputed this claim several times via mail for about a year, because this is not my debt and fraudulent activity with this account. I never signed a contract with Afni or  XXXX . I attempted in good faith to offer a pay for delete and never received a response from Afni. I would like this account immediately deleted from all my credit reports as I am not the owner of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I 'm have been disputing account with XXXX XXXX acct XXXX XXXX account and XXXX XXXX XXXX financial that was deleted 12 times Experian is real slow on disputing they send me letters stating if I do n't show proof they will stop disputing these accounts according too the fcra they will dispute 24-7 365 that 's the law and theres ally loan sum of {$37000.00} not mine some one with similar name I have deleted the XXXX acct that 's why it only has XXXX didgit account XXXX due too been removed 5 times know back on XXXX XXXX XXXX was deleted 12 times back on ally for sum of {$37000.00} deleted 5 times XXXX credit card not mine some one with similar name deleted 4 times all these are back on XXXX was sued XXXX fdcpa vilotation lawyer asked me not too state there name at this time Experian does what they want they neglect your dispute its legal dispute letters from attorney general office even from there credit montoring I guess they scam people I was promised 24 months of free credit monitoring from them due too identity theft got nothing from them they know I 'm victim been sent numerous letters too there XXXX XXXX office and XXXX office as well I 'm trying too get my life back 12 months ago I was XXXX fico know I do n't know they want provide me with score with all this mess going on please help me thanks

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 01/15/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XX/XX/XXXX a past creditor requested the removal of my information from Equifax. It was removed then placed back on my credit report on XXXX. 
Only part of the information shows up now. I called Equifax numerous times but they refuse to call the creditor and/or accept the letter from the creditor that was set out when they requested the removal. Instead they tell me to contact the creditor. 

I have called numerous times. Just today I called and was placed on hold for over a hour. When I called again I was told they closed a few minutes before. This is the worst customer service I have ever experienced in my life. 

XXXX had requested the removal of negative information from my credit report. I have disputed this numerous times. I have had no issues with the other agencies, but Equifax keep showing the old information. I have letters from the creditor and no one is willing to assist me. I have been denied a loan twice due to this issue. 

Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have repeatedly asked XXXX Experian and XXXX to investigate my discharged account with XXXX Bank and update its reporting to show discharged in bankruptcy.I have disputed online and by mail and they have verified and changed nothing.My bankruptcy filing and discharge is on all XXXX credit reports and i have sent and uploaded my schedules.Recently since my disputing has increased XXXX is updating my account more frequently and driving down my credit score.On XXXX XXXX i received an update on my Experian report stating discharged in bankruptcy then on XXXX XXXX they reverted back to previous reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief