milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/19/2015 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Overlimit fee

Complaint: I had been problem with well Fargo Bank I 'm hearing impaired. First of all I walk in there and consumer talk to me about new open credit card but no interpreter there I did n't understand first thing how to use credit card to make pay that day so I have been frustrated with debit bills and they harrasement me mail and force me to make pay over XXXX I decide to file complain about well fargo bank

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I called Equifax today after a creditor was unable to pull my credit report, and I was told that my credit file had been placed with the office of consumer affairs. They are blocking access to my credit report and creditors are unable to access my file. This is causing me to miss out on being able to apply for a mortgage. Additionally, I am unable to gain online access to my credit report as they have blocked me from that as well. I was told by a representative in the consumer affairs office ( she refused to give her name ) that access was blocked because I disputed the incorrect spelling of my name and addresses that were not mine. As a result of seeking an accurate credit report, I no longer have timely access to my credit report and potential lenders are not able to access my file. Additionally, I called back and spoke with a XXXX XXXX who said that the reason why Equifax was blocking access to my file was that my credit file was " randomly chosen ''. This is a direct contradiction to what I was first told - ( clocked because I disputed the incorrect reporting of my name and address ).

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (Medical debt) with First Federal Credit Control (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX FIRST FEDERAL CREDIT CONTROL XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX : Acct # XXXX To Whom It May Concern : This is my Final attempt to try to remedy this situation. regarding your response, i will file a small claims court in my local state against your company. This letter is in response to your recent claim regarding Acct # XXXX which you claim I OWE YOU XXXX. 
By not replying in a timely manner to my initial letter on XXXX/XXXX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. 
I will be seeking a minimum of {$5000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act XXXX including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act XXXX including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau, Cc : Attorney General 's Office Cc : Better Business Bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I made my first mortgage payment to Caliber Home Loans, which included an additional principal payment of {$420.00}, which was credited to my account. The unpaid principal balance following this payment was {$650000.00}. 

On XX/XX/XXXX, the loan was set up with XXXX after having been sold to them by Caliber. 

On XX/XX/XXXX, XXXX created a statement showing an unpaid principal balance of {$650000.00}, which is approximately {$420.00} less than the closing balance with Caliber. This is essentially the amount of the additional principal payment. 

On XX/XX/XXXX, I contacted XXXX and was advised the balance number they received from Caliber was {$650000.00} and that I should contact Caliber.
On XX/XX/XXXX, I contacted Caliber and was advised they were unaware that XXXX even had the account! I was advised that the transfer would not actually take place until XX/XX/XXXX.
I have since attempted to follow up with Caliber for additional  information/clarification/assurances via fax and social media, but have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Consumer Loan (Vehicle loan) with Steward Financial Services LLC (DE).
Issue: Managing the loan or lease

Complaint: my insurance lapsed about 7 months ago. and i cant drive or register my vehicle. they attached a {$3000.00} fee to my bill for insurance but never added insurance to my vehicle. i feel like a victim of a predatory lender.

Company response to consumer: Untimely response
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Ive spoken to all three credit bureaus in regards to this matter and to no avail the matter still hasnt been handled. My complaint is in regards to the original creditor selling my debt to a third party and they are both still reporting the debt. First issue is the original creditor closed and sold the debt, yet they are still reporting to all three major credit bureaus and its hurting my credit, second, the third party collection agency are reporting a different open date, they are reporting a different amount than what the original creditor is reporting and they never sent out any proof of debt. By law, per fdcpa I have no obligations to the third party collection agency and I have a right as a consumer to protect myself and my credit. This is unlawful and inhuman to do this to an individual who is having a financially had time and to be reporting the same debt twice is hurting me financially, emotionally and physically. I cant move on with my life with these items constantly reporting to my credit. These items has to be removed from my credit report due to the violation ( s ). I am giving the respective companies 30-days to handle this matter, otherwise I will be forced to move forward legally.

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 07-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is no record on my credit report that I have been making mortgage payments to XXXX XXXX for the past four years. The last payment listed in my credit report is XX/XX/XXXX. In fact, my payments are up to date as of XXXX, XXXX. Additionally, I should add that my mortgage payments were not affected by my XX/XX/XXXX bankruptcy agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I use a company call XXXX XXXX for about 8 months and a lot off incorrect is still on credit report. I also send letters to credit bureaus on my be half reference to removed negitive of my credit report. I have public record report on credit reports and I know the the courts do not report to credit bureaus.

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 09-08-2015 about Credit card () with AMERICAN EXPRESS COMPANY (HI).
Issue: Closing/Cancelling account

Complaint: I signed up for my " XXXX '' American Express card willingly XX/XX/XXXX. I received a letter saying that XX/XX/XXXX my card will be closed, due to no fault of my own. As a consumer, my XXXX credit score will be negatively affected not due to any fault of my own. I have a XXXX available credit limit now, I use the card responsibly, and am going to be adversely impacted due to American Express and XXXX ending relationship. I spoke with Amex and the only resolve they offered was to sell me a new card ( furthermore giving me the negative credit history for opening up a new account. )

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Originally got a student loan through   XXXX   XXXX   XXXX  in my dads name he passed and I sent in death certificate as per request to close the account and forgoven. Never heard from them again or received a bill. Assumed it was wrote off. Recent credit report shows was handed over to naviant and was wrote off as bad debt. Never did I receive a bill or phone since I sent the death certificate or was notified of anything although it is now bad debt and wrote off it still reports monthly on my credit report. I recently saw they were under several lawsuits for doing this to people

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Every time I try to dispute inaccurate information on my credit report, Experian locks me out of my online access to my report files as well as the online document upload. I am a victim of identity theft and Experian is intentionally making this dispute process difficult for 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 03-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: At the outset of getting my credit card, the credit card company charged my credit card for two amounts. I did not know these charges would be applied. {$4300.00} was charged on my account without my consent of these two charges. One charge was made to XXXX XXXX and the other charge was made to XXXX XXXX. The effective date was XX/XX/2016 in which the two purchase were made. I do not feel that I owe this amount to this credit card company. The card company is Bank if America, N/A. Or 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 07/26/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Fraud or scam

Complaint: My name is XXXX XXXX AND I HAVE SENT COMMUNICATION TO CFPB AND RECIEVED A LETTER ASKING FOR INFORMATION FROM ME REGUARDING BAMK ACCOUNT INFORMATION AND NEED TO COMMUNICATE FURTHER WITH SOMEONE REGUARDING THIS PROBLEM. I FEEL SURE WE CAN RESOLVE RHE PROBLEM.. I KNOW NOW THAT IS N'T TRUE AND NEED TO FIND OUT MORE ABOUT THE ISSUE. PLEASE. COMMUNICATE WITH ME FURTHER AS MY EMAIL XXXXXXXXXXXX IS BEING HACKED AND NOW I WO N'T HAVE A PHONE UNTILL THE XXXX of XXXX 2017. XXXX XXXX XXXX XXXX XXXX XXXX TN 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 01/28/2016 about Payday loan () with Risecredit, LLC (CA).
Issue: Applied for loan/did not receive money

Complaint: I was getting a mail information to get a loan, and I was applying for that, but I changed my mind due to high APR. i never received any money, but they were keep calling me at home and on my cellphones and every time i was trying to pick it up, it gets cut off. I find out that the person who was applying was using my name as an email XXXXXXXXXXXX which was not my email address.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I had a negative item that was recorded in error, a state tax lien. it was removed last week. I was surprised when my credit score instead of getting Jump got a hit, it went down from XXXX to XXXX a XXXX points without any new entry or or addition to my credit report other than Removing the Recorded in Error Lien. It seems that after complaing to CFPB about Equifax refusal to remove the Recorded in Error lien, equifax decided to take revenge and Punish me for complaining?! 
But the issue here, i am trying to get a XXXX Loan and such agregious act by Equifax would mean that i may and may not get that loan. And in case i get, i would have to pay Considerably high interest Rate. 
Please Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have recently been informed that there is negative information reported by University  of   XXXX  in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing for Limit {$0.00} and past due amount {$2800.00} on   XXXX     I challenge the accuracy, compliance and reportability of this listing. Please delete and remove this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (SD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Since I have started repayment on my parent plus loans for my children, I have had to call in monthly as something is always wrong. I could be all say they are repayment except one when I have asked for them to all be repayment, eft money has been taken out on a different date with out my knowledge or consent, online statement and loan information does not match or reflect a true payment amount or posting timeframe or amount. They tell me they will fix something and they do not fix it in a timely manner causing me to call back. I no longer trust the business or the rep that I am talking to. I have never had a month of satisfaction yet. Before I heard the news about being sued I had already started researching how to pull these out of this serving company. I would like to be able to take this to my local trustworthy bank.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MN).
Issue: Settlement process and costs

Complaint: This has been going on for 2 years ... .it never gets resolved because our mortgage continues to get bought out just as we are ready to agree to a deal. We have to take my ex wife off of the mortgage. She signed a quick claim deed and I was awarded the house in the divorce. We also need to have a mortgage reduction. Our home is severely underwater and it needs to be a valuable asset otherwise why would I stay? I mine a well be renting. The point is I like my home and want to stay. My mortgage has gone up drastically over the years to what I believe were corrupt mortgage companies refinancing my loan and charging high rates ... ..my complaint is that our new mortgage company Carrington is supposed to be giving us a loan mod that our last mortgage company XXXX XXXX agreed to but sold the loan before it went through. THis was the agreement : 1. My exwife XXXX XXXX would be removed 2. XXXX XXXX and XXXX added to the loan 3. Mortgage reduced to make it a valuable asset it was appraised twice by our last mortgage company and came to the new mortgage amount of {$270000.00} We just received in the mail the new loan mod from Carrington. They DID NOT remove my ex wife 's name. They DID NOT reduce the mortgage, they just differed {$69000.00} ... .which does not make any sense, it keeps us in the same boat we were in, living in a home that will NEVER be above water. Do you not understand that we could sell it on a short sale and you would be taking a loss of probably more than {$69000.00}?? If it goes to foreclosure you would for sure lose more than that! Why would n't you want to make this right, reduce the mortgage to fair market value and let me stay in the home I have already poured thousands of dollars into? We were told by our last mortgage company that the new company would honor the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was purchased by XXXX and XXXX reassigned servicing of the mortgage to Roundpoint Mortgage Servicing Corporation. I received notice of this reassignment with letters dated XX/XX/XXXX ( from XXXX ) and XX/XX/XXXX ( from the previous mortgage holder - XXXX ). Both letters indicated the new servicer was Roundpoint Mortgage Servicing Corporation. 

I have not received *any* contact from Roundpoint Mortgage Servicing Corporation regarding servicing of my loan. I have called Roundpoint twice - once on XX/XX/XXXX and once on XX/XX/XXXX. Each time they have stated the mortgage is being processed, that they are unable to accept payment until the mortgage is processed, and that I should check back in a week. I am now at XX/XX/XXXX, and my mortgage payment is due tomorrow. However, I have no servicer to send it to, since Roundpoint apparently believes they are not servicing my mortgage. 

I am in a bind where I have to pay my mortgage, that I know Roundpoint needs to accept my payment, but Roundpoint is not willing to accept my payment. I ca n't pay my mortgage.

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 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Regarding reporting to the credit bureaus, this is very disturbing to me that when I called to get information about my accounts to Wells Fargo in XX/XX/XXXX, I was assured that there would be no reporting of any negative actions until around early XX/XX/XXXX or after, if my account was not made up to date ; however, when I looked into my credit reports Wells Fargo already started reporting to XXXX and XXXX that my account was past due 30 days on XX/XX/XXXX, which is much earlier than what I was informed it would be reported. The information was reported early to XXXX on XX/XX/XXXX. XXXX should have also stopped reporting by XX/XX/XXXX, yet they continue to excessively report it at 120 days 3xs this excess reporting needs to be removed from the account immediately. 
Additionally, another alarming detail is that although my account was closed in XX/XX/XXXX, which I was informed after the fact, then why was there additional reporting to the credit bureaus that my account was late after it was closed ; why? my account should have been reported as closed and reporting should have stopped ; yet my account was reported late for 6 months including 2 months of reporting before it was supposed to be reported as late and an additional 4 months after it was supposed to be closed. 
This early and unnecessary reporting has caused damage and rapid decline to my credit score. 
Please remove these excess reporting by Wells Fargo and the Credit Bureaus off of my credit report. 
Please correct this matter to all three credit bureaus immediately and correct reporting to credit bureaus by erasing reports before and after XX/XX/XXXX, which is when the account was supposedly " closed. '' I have brought up other issues with this credit card account with Wells Fargo, previously.

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 04/16/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Other service problem

Complaint: This is a complaint on Bank of America infringing on the 2nd Amendment rights of law abiding United States citizens. I understand the company is privately owned, but would not be in existence today if it were not for those taxpaying United States citizens. Bank of America must stick to the banking business, and stop discriminating against law abiding citizens. It is not ethical for the bank to use peoples hard earned money, that makes the bank richer, then dictate to these same people that their legal business will be destroyed because of being pressured by the politics of the liberal Left.

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 01-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I paid Capital One {$400.00} and they carged me {$200.00} in interst.

Company response to consumer: Closed with explanation