milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Using a debit or ATM card

Complaint: This is a continuation of XXXX # XXXX As of yesterday I received a letter from Wells Fargo stating that we said the consumer never provided services. This is NOT what was to them and this NOT what was sent in WRITING to them as well. It stated for me to call XXXX XXXX XXXX XXXX in this letter they sent me and to speak to a XXXX person XXXX for further questions and assistance. Called yesterday twice was told I would have a returned call by the end of the business day this did not happen. I called again this morning not at her desk. Nobody is willing to help us she does not return phone calls. 


We opened a business account at Wells Fargo, We used our debt card with XXXX logo for a purchase that turned out to be fraudulent. We received notice from them stating it was fraudulent. Then we were told our business account was opened incorrectly, and we had to open a new account. About 1 month after we were told that it was deemed fraud they came back and said it was n't. I talked to XXXX customer services, and their visa department got absolutely no where.

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 10-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A revolving credit card account that I share with my wife was deleted from my credit reports. I am an authorized user on the account. I was told by TransUnion to contact XXXX XXXX to resolve the issue. XXXX XXXX assured and reassured me that it is a problem with the credit bureaus and that they have been reporting the account as they always have. However, after contacting the XXXX major bureaus ( XXXX, XXXX, and Transunion ) I was told that it is an issue with XXXX XXXX 's reporting because they only report information sent to them. I was also told a missing account is not technically a dispute, so filing one may not help at all. I just want the revolving account to be reported as it has always been reported so I can get a home loan! My credit worthiness is being misrepresented due to this lack of credit history showing on my reports. The bureaus blame the creditor, and the creditor is blaming the bureaus. I ca n't seem to get any of them to own up to being at fault for this error. I want the credit card account history to show on my credit reports as it always has - dating back to XX/XX/XXXX. I have attached copies of my free annual credit reports, accessed XX/XX/XXXX. I have also attached the merged report I received from my home loan lender showing the account is not on there as of XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Chase Bank allowed  XXXX   XXXX  to open a joint credit card without my authorization on   XXXX   XXXX   XXXX  .  XXXX  and I were never married and he had no authorization to open an account using my name. He has run up a balance of over {$14000.00} and has not made a payment since   XXXX   XXXX  . I only learned of this account when i noticed my  credit score dr opped. When I called Chase, in  XXXX  of this year, they informed me that  XXXX  had opened the account. I informed them that he must of obtained my SS # from custody documents from our children.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Medical Data Systems, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This collection agency alleges that they updated the credit bureaus to reflect that the corresponding {$360.00} collection was paid. Neither my  XXXX  nor  XXXX  reports reflect this information. In fact, both show that as recently as  XXXX   XXXX ,    2017, the account was still reporting a {$360.00} balance owed and is still in collection status.      This account does not appear on my  XXXX  file.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax data breach 2017. My information was illegally procured through their servers.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Medical debt) with Action Professionals, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX 2015 I went to the XXXX XXXX XXXX XXXX XXXX ER. They out source their doctors from XXXX XXXX XXXX XXXX. I have dual insurance and XXXX XXXX XXXX billed the wrong insurance as Primary. The insurance would n't pay and by the time it was resolved ( that is, by the time XXXX billed the correct insurance ) my insurance would n't pay my because it had been too long. XXXX sent the bill to collections even though it was their billing error. I paid the bill anyway directly to XXXX. The collection company, Action Professionals Incorporated, sent me harassing and numerous letters even after the debt was paid. They are now trying to get me to pay interest on the debt directly to them. XXXX has been paid and the issue with them is resolved. Action Professionals Incorporated have continued to harass me via mail. I called API to resolve this issue and they said the law says I have to pay them interest.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: They reported me over 120 days late and that is inaccurate. I wrote them and asked them several times to remove the late marks, and still they remain, the fair credit report act states they have 30 days to either dispute or remove and the have chosen to do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (IL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: This is with Wells Fargo XXXX XXXX credit card. I recently applied and received this new card with promotion of 18 month 0 interest on APR of general purchases. 

On XX/XX/2017, I had a cash advance of {$850.00}, with understanding of cash advance will not have the 0 interest promotion, I paid {$1000.00} right back three days later. And I thought based on regulation, any payment above min payment will go to higher interest debit first, which in this case will be applied to the cash advance first. However, on XX/XX/XXXX, there is a {$8.00} cash advance interest posted in my account. When I called Wells Fargo, they said unless I pay the total current balance of the whole card ( which includes general purchases which should have enjoyed 0 interest, there will always be a balance for my cash advance. So apparently the {$1000.00} I paid was not applied to the higher interest balance. Is Well Fargo 's practice lawful?
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 monetary relief
Consumer complaint received 08/24/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Over the course of the last 3 years I have contacted my loan service to ask for accommodations regarding the monthly repayment amount. AES was the initial servicer. I read in the news about Public loan forgiveness. I was told by AES that my loans needed to be direct fed loans. I completed the process as advised by Fed student aid or studentloans.gov to consolidate my loans to become fed direct. Therefore qualifying for public service forgiveness plan. Upon completion of the consolidation I was told I do not qualify for the public forgiveness because I am not on an Income based payment plan but if I applied and approved all payments made to date as direct fed loans would count in the forgiveness plan. I was denied IBR. My combined income was too much. 
Recently my wife lost her job and I called studentloans.gov to get help. They said I can not reduce my payments any further than $ XXXX/mo. Unless I was on the IBR. on XX/XX/XXXX I completed another IBR application due to my wifes loss of income. When I was done submitting the rep on the phone told me that none of my previous payments would count as Public forgiveness even if I was approved for the IBR. 
My issue is with the loan amount and the monthly repayment. The rep at studentloans.gov told me that $ 200+ is going interest and not principle. I am XXXX and based off of the current repayment plan I will never pay this off. We are struggling to get the monthly amount paid and it is causing hardship at home. Since graduating college in XXXX my loan amount has INCREASED due to needing forbearance many times. 
I need help! I have talked to my loan providers on 8 occasions and have received many mixed messages from the different reps. Only once did they offer or talk about IBR as an option. No other help was given. I had to seek information about public service forgiveness on my own and only then did they talk to me about it. I simply can not pay $ XXXX/mo. That is an unreasonable amount. I am a federal employee so my job is at risk as well. If these loans go default they will terminate my employment. If they garnish XXXX/mo we will lose daycare for my youngest child and not to mention my credit report will suffer greatly. I have reached out to fedloans.gov and studentloans.gov as well as the schools I attended and no one is able to assist. I have asked the universities to provide me with a statement of costs for the classes I took. All of them have said they cant give me that. I want to know if my balance is even legit or have I been double charged or charged out of state tuition when I was actually a resident. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX, because of a bank problem, I ended up paying my mortgage holder, ditech, XXXX payments. I requested they return XXXX of them. The amount was {$1600.00}. That is my mortgage plus extra for additional principal each month. I documented my calls, and had my Bank conference with me on at least XXXX of these calls as witness. Ditech agreed to return the extra payment. My bank sent written confirmation and review of these calls and agreement to ditech and myself. They have not returned the payment. Thy have ceased to send me my written monthly payments since this problem occurred. Ditech has repeatedly indicated they would have someone call me back about this, but never did. I would like them to send me my written monthly bill/statement. I would like to see what they have done with the {$1600.00} overpayment in XXXX. We checked my address and it was confirmed correct. They claim statements have been sent. The customer service agent told me that my mortgage has been " flagged for foreclosure ''. She could not indicate why. I have paid this mortgage since 1998, never late, and for the last year, always over the amount due to be applied to additional principal. The agent told me this would be explained to me by the supervisor who would be calling me to follow up on my inquiry. This has happened with this company before, and no one calls me back to follow up.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-09-2017 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: 2nd ltr to be sent -- -- I am writing this letter regarding an interest charge of {$800.00} plus dollars, almost the same fee I am paying for my kitchen floor which was added to my existing bill which will be paid in full on XX/XX/XXXX. I paid my {$5000.00} plus bill from XX/XX/XXXX to XX/XX/XXXX off with my XX/XX/XXXX payment which was {$300.00}. I am a XXXX senior who is not stupid, has XXXX, or XXXX. I am actually quite smart and know a scam when I see one. ( Remember this is an online account not a paper account ) Do the potential and ongoing customers out there know what you are doing? Is it Wells Fargo Bank that has been cheating the customers or XXXX? 
I am going to file a complaint with the Banking Commission, Federal Trade Commission and the Consumer Affairs Div. Let me not forget all the agencies like the XXXX, XXXX, and XXXX including XXXX and XXXX! I want you to know I consider this a scam tactic preying on the elderly. If you feel I owe you some interest based on a dispute of days, a few dollars would have been acceptable but if you think I am paying you close to {$900.00} you are mistaken. I will be forced to hire an attorney to fight this and it will create a hardship on a senior who paid her bill in full. Again, I am so sorry I did business with XXXX and Wells Fargo Bank. I have never had a problem with any other monthly payment plan and certainly wo n't be telling guests who did my floors and they should give them a call, as long as you are the financial bank handling the accounts. I have had several other payment arrangements through XXXX, etc and never had a problem with any of 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 monetary relief
Consumer complaint received 07/14/2017 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: Personal information incorrect

Complaint: I have contacted each credit bureau several times about incorrect names and addresses on my report. My name is oft-times misspelled by creditors and reported wrong. I 've submitted my drivers ' license and passport to show each credit bureau the correct spelling and styling of my name as well as my address. I 've requested to have my reports updated. To date, this has not happened. I want my name ( s ) corrected. The only names that should be on my report are my maiden and former married name : XXXX XXXX XXXX XXXX I DO NOT HAVE A MIDDLE NAME. My former married name has a hyphen, not a space between the maiden and married name ( s ), nor do the two names run together with no space. The name is hyphenated. ( XXXX XXXX XXXX. <P/>
The ONLY addresses on my report should be my current residential address : XXXX XXXX XXXX XXXX XXXX GA XXXX *My mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX *and my former residential address : XXXX XXXX XXXX XXXX , GA 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 12-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: on or about XXXX XXXX i purchased product online and unknowingly signed up for card. I paid for purchase but Chase card co. charged me XXXX bucks and now plus fees and interest, I AM NOT PAYING IT and I have told them so, I have cut up the card

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX I reviewed my credit with XXXX and they have my fico score is very damaging at XXXX in which it should be higher than that. XXXX statements of 60 days late payment and collection and 10 hard unauthorize inquiries has n't been deleted from my credit file after my file Bankruptcy Chapter XXXX on XXXX XXXX and it was Discharged by XXXX, Texas Federal Judge on XXXX XXXX. No negative statements, collections and unauthorize hard inquiries should n't be on my Credit report with XXXX, Equifax and XXXX. I did n't authorize no creditors to pull my credit without my personal signature, and if my signatures was provide it, than creditors should supply to Federal Government. The ten hard inquiries 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Michigan.XXXX pulled on XXXX/XXXX/XXXX XXXX XXXX XXXX . 2.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX pulled on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX.pulled twice in XXXX, even though I have car loan with XXXX why they pulled my credit without my consent. 4.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX pulled on XXXX/XXXX/XXXX 5.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX.pulled on XXXX/XXXX/XXXX 6.XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX. XXXX.pulled on XXXX/XXXX/XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX . XXXX.pulled on XXXX/XXXX/XXXX 8.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona.XXXX XXXX.pulled on XXXX/XXXX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX . XXXX.pulled on XXXX/XXXX/XXXX 10.XXXX XXXX XXXX XXXXXXXX XXXX XXXX, California XXXX.pulled on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX These are hard inquiries that are damaging my credit scores and plus collections and negative statements by XXXX, XXXX and Equifax. <P/> Also I never resided or lived at XXXX XXXX XXXX XXXX, Tennesse.XXXX.This address is on XXXX, XXXX and Equifax.This is Fraud.address

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit card () with U.S. BANCORP (CA).
Issue: Balance transfer

Complaint: I have a credit card with XXXX balances ; XXXX balance is a transfer rate at 0 % and the other is purchases I make on my account. I am making excess payments that I understand from the Federal Credit Card Reform Act that should decrease my balance on the interest part of the card, however I am told by US Bank that that is not correct and I must pay off the card before the interest part of the account starts paying.

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 06-12-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Hello and Thank you for your help. I am the owner of a mortgage with no collateral ( property ) with Bank of America due to negligence from XXXX XXXX, title company and Bank of America. 

" XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX : XXXX XXXX XXXX : Atty. XXXX XXXX Set forth below is a synopsis of the bases for my position that the titlle to Unit XXXX is flawed : On XXXX XXXX, XXXX, XXXX XXXX, the then owner of Unit XXXX, Building XXXX, XXXX XXXX XXXX XXXX, executed a mortgage to XXXX XXXX XXXX XXXX, recorded in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Page XXXX.The mortgage to XXXX was eventually assigned to XXXX XXXX Bank XXXX Trustee. The assignment was dated XXXX/XXXX/XXXX and recorded on XXXX/XXXX/XXXX at said Registry in Book XXXX, XXXX XXXX XXXX initiated foreclosure proceedings on the XXXX mortgage, culminating with an auction and sale conducted on XXXX/XXXX/XXXX. 
Legal notices for the sale were published in the XXXX XXXX on XXXX XXXX and XXXX, XX/XX/XXXX.Because the assignment of the XXXX mortgage to XXXX XXXX XXXX not executed until XXXX/XXXX/XXXX and not recorded until XXXX/XXXX/XXXX, XXXX XXXX did not have title to the property at the time that it conducted the foreclosure sale and subsequent conveyance of the property. This conclusion is based on the holding of the Massachusetts XXXX XXXX Court in the case of XXXX XXXX XXXX XXXX, Trustee vs. XXXX XXXX XXXX and a consolidated case ) XXXX Mass XXXX, wherein a lender tried to claim title under identical circumstances and the Court ruled that because the assignment of the mortgage to the foreclosing entity had not been recorded prior to the foreclosure sale XXXX and, specifically, prior to the XXXX publication of notice ) the foreclosing entity did not have good title. 
Accordingly, the foreclosure of Unit XXXX is void and title did not pass to XXXX XXXX XXXX by virtue of the deed recorded in XXXX XXXX. XXXX XXXX who bought the property from XXXX XXXX XXXX of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (OH).
Issue: Managing the loan or lease

Complaint: On XX/XX/XXXX, I entered into a 36 month lease for a Acura MDX at {$500.00} per month. Included in the lease was the Ohio sales tax of {$1200.00}, which was amortized over the life of the lease in the {$500.00} payment. On XX/XX/XXXX I extended the lease XXXX months, and was required to make an up front payment of {$190.00} for the Ohio sales tax on the extension. As the {$1200.00} sales tax was amortized over the original lease term, my payment should have been reduced by the portion of the {$500.00} going to pay off that obligation, that amount would be approximately {$36.00} per month. 
When I called Acura Financial Services I was told they would not correct this inequity. 
My last conversation was on XX/XX/XXXX with XXXX XXXX who told me they would do nothing for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-08-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Portfolio Recovery continues to report an account to my credit report as " Disputed '' even though I have informed them ( see attached letter dated XXXX/XXXX/16 ) that this account is no longer disputed and requested that they remove this status from my credit report ; I am attempting to obtain a mortgage and this dispute status is preventing me from qualifying.

Company response to consumer: Closed with non-monetary relief