milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-09-2016 about Debt collection (Payday loan) with Nationwide Intermediary Services llc (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Received a call from a XXXX XXXX working for Nationwide Itermediary Services LLC who stating his firm has been retained for a pending lawsuit against me regarding a debt. He then called my Mother stating that he had spoken to me and that I told him to call her to " save my hide ''. If she paid via credit card today, they would cut the debt, but if I called, I would owe the entire amount. I then called him and requested a validation of debt via mail. He said it takes too long and he would be on his way to the court house in 30 minutes if we did n't resolve immediately. He stated he is a XXXX and I would have criminal charges against me for check fraud and suspend my drivers license. I told him I was working with XXXX XXXX XXXX and he said not to deal with them, they are a scam. He then sent me an e-mail with information regarding the debt and gave me 30 min to call back. I back tracked the debt and contacted XXXX XXXX XXXX who now owns the debt, but outsourced it to another party, which turned out to be Nationwide Intermeidiary services. She stated nobody was going to a court house and stated to call them back and request a manager to send me the validation via mail that I was entitled to. I called the number she gave and the person who answered the phone answered " XXXX ''. I said Who?? and she back tracked it realizing she should n't have said that. She immediately transferred me, but I hung up and contacted XXXX XXXX XXXX again and explained what happened. They were not pleased this happened and called Nationwide to figure out what was going on. She then apologized and asked me to call back and a manger was waiting for my call. I called back and XXXX XXXX immediately answered flustered. He said he did not know what happened when the other person answered the phone, but they should n't have said that. He said the lawyers are now on the floor and that person is packing their bags. He said he would cut some more money off the debt for my trouble told him I was livid and I wanted validation of debt via mail. He stated if I did that, then I would owe the whole amount and would just hang up, which he did. I re-contacted XXXX ( who was very helpful ) and they started an investigation. They told me not to talk to that company anymore and they would pull it back to handle the debt. She then stated she would send me out the validation of debt. XXXX XXXX attempted to call one more time, but I did not answer. I spoke to my Mother again and stated he had called her asking to pay the debt again, but she told him he was a fraud and hung up. He shared debt information with my Mother including who I owed and the amount. He tried to solicit money off of her, which she almost did out of fear. My stomach has been in knots all day at work trying to deal with these people and their tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent several letters to experian to provide proof or delete credit inquiries that I did not apply for. They have replied to me telling me to contact the companies that made the inquiry. I have contact the companies via phone, and they don't have records of me personally applying for credit. 

The companies I would like removed from my experian credit report are 1. XXXX XXXX XXXX   XX/XX/XXXX 2. XXXX XXXX XXXX of downtown XX/XX/17 3. XXXX XXXX XX/XX/XXXX They have been reported on the other 2 credit bureaus, but have been deleted as per their investigation. Experian intentionally keeps reporting the inquiries and it 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 non-monetary relief
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I disputed my personal information before. I also sent my drivers license before as requested. I keep getting name change and address change alerts from XXXX XXXX. It stated last week, that my correct address was removed and another address was added. Which was incorrrect? I only have one last name ans always have which is ( 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 10/28/2015 about Bank account or service (Checking account) with U.S. BANCORP (MO).
Issue: Deposits and withdrawals

Complaint: I am disputing a charge at US Bank. I was sent a claim form for ACH entries and electronic checks to fill out and return. I went in to the local branch in XXXX, Mo to make sure I was doing everything correctly. The banker, XXXX, said that everything was right so I asked her to fax it to the claims office for me. I left then 10 minutes later I received a phone call from a non banker with the phone number XXXX XXXX XXXX XXXX that had received the fax. The form had my full checking account number, my name, and my phone number on it. I called the XXXX number for US Bank to tell them of the error and the connected me with the local branch directly. XXXX came on the line and asked what number was on the paper. When I gave her the number that it was to be faxed to she said that it was not the number that she faxed the form too. She did not apologize and she argued with me about the number being incorrect. She told me to come back in to the branch and she would re-fax the form and do a hard close on the account. I could not go to the branch today so she told me to contact the XXXX number again and the customer service bankers could close the account. I did that and while I was on the line with US Bank customer service XXXX contacted me again and told me that she spoke to the cashier that watched her fax the form and they XXXX agreed that the number she faxed it to was on the form so she was going to investigate further and get back to me. She is not taking responsibility for giving my banking information to a regular citizen and trying to put the blame on me for her error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX continues to pursue this debt that is time barred and created from identity theft on a authorized user. They have a computer generated report ( hearsay information ) with wrong amounts and dates. I have informed them on several occasions, and proven to them that their information is inaccurate and they continue their pursuit. I am now having to go to court. I spoke with their attorney who has given false statements and does not do what he says he 's going to do

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My Fed loan repayment is with Navient. I have been scheduling my payments, it goes through but they say they never got it or my information was incorrect which is strange because it wo n't give me payment confirmation if it was n't correct. And because they never withdraw money, they keep accumulating interest on my payments, in XXXX i payed my monthly payment and two weeks later, i payed the same payment with overcharge and i just received a letter that my scheduled payment did n't go through and that my auto pay is cancelled and i will incur more over charges. i do n't know what the XXXX Navient is doing.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Application, originator, mortgage broker

Complaint: My wife and I purchased a condo from XXXX XXXX in XXXX in XXXX of XXXX. Representations were made about the future development in the area that were false. They also steered us as first-time homebuyers to use XXXX Mortgage, their mortgage arm. They set us up with a 1st mortgage at 67 % of sale price, a home equity loan at 28 % of sale price, and a 5 % downpayment. There was also a XXXX buydown program on the 1st mortgage if we used XXXX Mortgage. At that time, we never should have been qualified or presented with this unusual arrangement. In XXXX XXXX, my family had to relocate for work XXXX, leaving our condo in XXXX XXXX for rental with great hesitation. We refinanced the 1st mortgage with Chase XXXX XXXX XXXX XXXX under the XXXX program, but have not been able to get any additional assistance in the past 3 years from Chase or XXXX, which has created long-term stress for my family and an inability to settle permanently XXXX. Our property is approximately {$85000.00} underwater and about {$130000.00} below original sales price. The qualifications required for assistance are extremely unfair to families that are current on payments and due to work ethic have continued to do well in their careers, making income qualification ratios unfavorable for assistance. Our issue is first and foremost with XXXX mortgage, which is now defunct, followed by both Chase and XXXX XXXX XXXX for very opaque processes for assistance. We believe the refinance in XXXX was done improperly and presented as part of the XXXX program, when it may have been just a standard refinance, trying to relieve Chase of any future liability with the original XXXX mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: wells fargo is damaging our credit by stating we are behind on our mortgage when we 're not.rreason for this is because they claim they under estimated our escrow account but never sent us any notification of this! we contacted wells fargo to see why we keep receiving notifications that we are behind on our mortgage, the customer service rep explained, did a conference call with a rep in the escrow dept & he verifyed this information as well that nothing was ever sent out to us regarding a mortgage increase because of our escrow.this is just XXXX of the many problems weve had with wells fargo being misleading, dishonest, unfair bussiness practicing & not upholding to their introduction on their customer service line when it comes to calls are being monitored & recorded b/c most of the customer services never document anything especially if wells fargo is in the wrong! i dont think this is fair that we the customer has to pay in so many because of their noncommunication, miscalculations & common sense should tell them that if a customer is paying their agreeed to monthly payments, then maybe there is a issue that needs to be addressed XXXX instead of slamming a customers credit!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Debt collection (Payday loan debt) with LENDING CLUB CORP (MD).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: had a pay agreement to repay the loan. last payment made was in XX/XX/XXXX however, I have been unemployed since XX/XX/XXXX. I have been paying from my savings and have now depleted all sources of income. I have contacted lending club on multiple occasions to inform them of my hardship status. after 90 days of non payment, Lending club has forwarded the debt to 3rd party collection agency XXXX XXXX XXXX. I received written notice from XXXX XXXX XXXX dated XX/XX/XXXXrequesting a response to the collection debt. I contacted XXXX XXXX on Monday XX/XX/XXXX at XXXX and spoke with an EXTREMELY rude agent by the name of XXXX at XXXX. I informed XXXX of my current situation and stated I was unable to make any payments. XXXX was very rude and did not let me speak without interrupting. further more XXXX stated, her records showed I have a XXXX Credit card in which I could use to make payments. This sensitive information was disclosed to me without my consent to pull my credit report. In addition I did not authorize XXXX XXXX XXXX nor anyone representing XXXX XXXX XXXX to pull my credit. I question why they disclosed this information with out my consent and how would they know about this without unlawfully pulling my credit file?? I find the practices implanted by XXXX XXXX XXXX in attempts to collect debt to be very unlawful. 
for the record this complaint is for XXXX XXXX XXXX ( rep XXXX AT XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (TX).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I had already communicated this issue to the CFPB but it was left unresolved. On XX/XX/2017 Wells Fargo Financial charged me an unexpected {$5.00} interest fee and my balance stands at {$6.00} currently after i had managed to pay it all off. I made them aware i am paying my student tuition at XXXX XXXX College currently at {$11000.00}. They have continued their push to charge me unexpected and exceedingly high interest. I am asking that the cfpb help me resolve this as soon as possible to reach a solution.

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 04/23/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Through the XXXX of XXXX XXXX I was able to get a monthly payment reduction on my delinquent Mortgage with Bank of America to {$1800.00}. The XXXX requested the Bank restore my original payment of XXXX this is what i got.Now after 7 month later once again Bank of America has increased my Monthly Mortgage payment to {$1900.00}. i was told by them my taxes have increased.My situation is still very dire. My wife has a XXXX illness,XXXX year old child, and my single income pays all the bills in my household.I am at the mercy of the Bank to plead for another modification or refinance to somehow, someway reduce my Mortgage payment so i can stay in my home and keep my family together.Please help me, or somebody at Bank of America please help me to save my home, Because i am drowning in debt. I need very serious help i plea with my life and livelihood on the line to save my home .Please someone at Bank of America please help me with the kindness of your heart ... Thank You XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 03-11-2016 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Payoff process

Complaint: On an automatic debit payment plan, Chase Slate credit card will only allow consumers to pay the minimum balance and or the total balance. Therefore this causes the consumer to have to log into the account monthly to pay any other balance. This causes an inconvenience to the consumer by not taking advantage of current day technology. When consumers due not adjust payments, Chase gets the benefit of the accruing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is synchrony Ba nk Wal-Mart credit c ard. They call me about  10  times a day every day ranging from  XXXX    XXXX   to  XXXX    XXXX   I 've asked him numerous times to stop calling me as I was without a job and could not pay until I got a new job and I still continue to call m e 10 tim es a day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Trouble during payment process

Complaint: My mortgage is serviced by Bank of America. My mortgage payment includes an escrow payment for insurance. On XX/XX/XXXX, Bank of America sent me a letter demanding that I provide proof of insurance and threatening to charge me for insurance that Bank of America will select. This is ridiculous and harassment as I pay insurance escrow payments and Bank of America makes the insurance payments from my escrow account for the insurance policy that I selected 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX 2017, Equifax gave access to my report, along with millions of others, unauthorized to an unknown 3rd party. They offer the standard freezes, but no substantial help for people they are supposed to protect.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (I do not know) with GMA Investments, LLC (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I get phone calls multiple times a week from Summit Recievables. They do n't know my name and they say they want to get information on a debt. My husband and I pay with cash except for our mortgage so I know I have no debt. I called them and asked that they put my number on their do not call list as I do not owe any debt. He asked for my name and I said you can see my number so look up my account associated with this number and you tell me who you are speaking with. He gave me a bunch of random names suggesting one was my husband and that he spoke to someone at this number last week. I told him that was n't my husbands name and he had n't spoken to anyone at my number. I asked him to put me on the do not call list as I had no debts to pay. The next week I got another call a female left a message. They never give a name. She told me she read a report on my account that put me in a negative light and that she wanted to give me a chance to defend myself before making her final report and recommendation. I did not respond. Then twice this week I have received messages saying it 's been some time since my last installment and it 's crucial I call and give them my information. I have never paid any money for debt collection and I do not know the people he said and told him they were not associated with my number. They keep leaving me a message to call XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (IA).
Issue: Account opening, closing, or management

Complaint: Regions Bank had a public link that stated that by opening a XXXX XXXX Account and making a minimum number of debit transactions there would be a {$400.00} bonus. I submitted my application for this checking about along with the promotional code. My application was accepted, I funded my account, and ordered my debit card. It was only afterwards when corresponding with Regions customer service did I find out the offer had expired. It is not the premature expiration of this offer which concerns me ( the public offer had language that this public promotional code was good until XXXX/XXXX/2017 ), but the fact that at no point during the sign-up process did anything indicate that this offer was no longer valid. This is clearly a bait and switch, to the detriment of me being able to take advantage of other offers with them or other banks.

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 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: I froze my credit as soon as Equifax data breach was reported and I found out I was hacked. I did not get a PIN number for my credit freeze. Equifax needs to help people like me get our PIN number. Equifax should be punished for their careless regard for our information.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from " XXXX XXXX '' for an auto loan. Upon doing some digging I found that this loan was obtained online through the company " XXXX ''. 

I have never done business with either XXXX XXXX or XXXX. 

Several bank accounts were opened in my name and used to pay for several fraudulent loans also taken out in my name. This loan was not authorized or used by me. I received no personal gain from this loan nor did I ever purchase a car from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief