milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2016 about Credit card () with WELLS FARGO & COMPANY (OH).
Issue: Billing disputes

Complaint: On XXXX/XXXX/XXXX I purchased an engagement ring and wedding band. The jewelry was purchased with a credit card agreement with Wells Fargo. There was no interest due if the total balance was paid within 12 months. I had problems with the engagement ring and filed a complaint with Wells Fargo within the 12 month period against the jeweler. Wells Fargo told me that the account would be put on hold and no payments needed to be made until the dispute was settled. Today I received a statement from Wells Fargo stating that {$850.00} in interest was due along with the balance on the jewelry. I called them and they said the dispute was settled. I never received anything stating that the dispute was settled. They said they sent a letter on XXXX/XXXX/XXXX. I never received it. The interest was charged on XXXX/XXXX/XXXX. The account was supposed to be on hold. This does not make sense. They will not remove the interest charge. PLEASE HELP!

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 09-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with MRS BPO, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: a collection appeared on my credit report, this company did not inform me before it was added or inform me of my right to dispute. when i called the company they could not find the account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: i have a open line of home equity credit with wells fargo. They claim that i owe over {$430.00} in backed interest. This is a lie! I have never been late or missed a single payment. the service rep i spoke provided me with little or no explanation and claims that this is backed money owed from when this loan was owned by XXXX XXXX. again this is a lie! i have never been late or missed a payment. it is common practice when a loan is sold from one bank to the next everything is done to rob the customer of every penny possible ( i.e " missing '' payments, hidden fees, and dishonest practices ). until wells fargo can prove i 've missed a payment or legitimately owe this money. I demand this amount be refunded as well as every penny i 've been paying extra to my principal balance off that wells fargo has been stealing, and making sure to hide it from my statements since before 2011

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 06/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (SC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Back in 2009, I was hurt at work and was given a settlement of {$4000.00} in the form of a check. I then took the check to Wachovia bank to cash. I ended up opening a checking and savings account putting about $ 500- {$800.00} in checking and {$2000.00} in savings. Within a month i spent all that was in my checking and in turn had to transfer funds to my checking from my savings. I lost track of the fees that were accumulating everytime i transferred and before long I was {$300.00} in the negative. All due to fees. Shortly after Wachovia gets bought over by Wells Fargo who I have an account with now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Caliber Home Loans services our mortgage. We authorized XXXX, our bank, to send a monthly mortgage payment to Caliber Home Loans and we verified with XXXX that the payment was sent to arrive on the due date. On the due date we received an automated call from Caliber stating our payment was not received. Finally, two days later we were able to speak with a live human being at Caliber, who asked us if we needed debt counseling. We have paid our mortgage on time every time for the last 11 years. Why would we need a debt counselor? XXXX, the customer service rep, refused to allow us to speak with a supervisor and basically told us there was nothing he could do. How is this possible? Is there anything we can do to transfer our mortgage to another company?

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: I tried to give Bank of America notice not to cash post-dated checks until the date written on the checks. Bank of America claimed that the only way I could stop them from cashing the check early is to put a stop payment on the check and then release the stop payment on the date of check. Is that correct? If not, what can I do about it?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have sent in several letters of dispute for items on my credit report that are inaccurate. XXXX and Equifax are both showing several accounts showing open by Dept of Education and XXXX for the same accounts. They also have some of these same accounts showing closed. It 's all a big mess and I am not getting any help in getting them corrected. The accounts show the same date and account number with two different loan comapnies. I have requested many times to have the loans validated and the balance and payment history to show correctly. They only respond back to me that the information was verified. I have requested proof of each loan and the balance. I have sent letters to XXXX and the Dept of Education. I even sent letters to the XXXX. These duplicate accounts and incorrect balances are causing harm to my credit worthiness to potential credit providers. At this point I feel that I have no other choice than to consider taking legal actions against them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with V and H Portfolio (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent multiple credit disputes to trans union, XXXX, and XXXX regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 5 inaccurate debts on my credit that I have never heard of or signed for. XXXX XXXX ( says charged off as bad debt ) XXXX ( has two separate accounts one says closed one says charged off ) XXXX XXXX ( charged off ) budget used car sales ( someone stole the car ) And XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I am a long time holder of a Chase XXXX card ending in XXXX. I was required to get a new card. My credit limit was basically cut in half. I got shuffled around the call centers and finally got a supervisor XXXX. It should be noted the new card and bills had been sent to the wrong address. XXXX who stated she did a " review ''. XXXX stated she would close the card because of reports on charge offs and some items that were supposedly charged off on my card. I stated that when customer service had told me of a past due balance on my XXXX. I paid it immediately by my checking account over the phone. That I was part of a special program that was working with my creditors to settle and pay my debt. I asked to speak to another supervisor to reverse the decision and reopen my XXXX card ending in XXXX. Several days later a XXXX  who identified himself as a supervisor from Chase credit. He belittled me over the fact that I was using negotiators to settle my debt and the XXXX card would remain closed. As a point of two facts, one some of the credit card companies had contacted me some time ago to settle the credit cards. Why was ok for the credit card companies to negotiate settlements and not me. Second fact is that settlement of debt is legitimate and is an alternative used by many professionals, business people and even companies themselves. I was treated by XXXX and XXXX as a mere line item on a credit score. I am human and a business person, my credit has not always be perfect. However I proactively took steps to eliminate my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Was constantly told I had to pay a high monthly payment or my pay would be garnished. Offered no reduced or affordable payment. Accrued massive interest and was constantly called and harassed by loan company. Could not repay after graduation. XXXXNavient.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I took out XXXX student loans from ( then ) XXXX XXXX, later turning into Navient. The XXXX loans totaled XXXX dollars for a computer school that did not provide the education that was advertised. I was unable to pay loan payments and was put into a forebearence program and my loan is now over XXXX dollars. I have recently gotten into a payment program but this program only lasts a few more months. Almost double the amount I owe seems outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Closing/Cancelling account

Complaint: When Citibank took over the credit card business of XXXX from XXXX XXXX, they sent me a bill for {$380.00} I have always paid my bills on time, and I had just paid in full my Citi XXXX XXXX bill. The bill arrived with interest charges for late payment. I immediately called XXXX. This was clearly not accurate. I worry that people without my wherewithal would not be able to pick up the phone and force Citibank to return their unfairly charged interest or late fees. My balance was {$280.00}. But when I closed my account Citibank charged me {$380.00}. Citi charged me for a new membership at just the time when I was canceling the card, which they informed me automatically cancels the membership. They charged {$110.00} for a XXXX membership with Citibank. Citibank has had my {$110.00} now for over a month. They are unethically and deceptively benefiting from false charges like these because they charged me a membership fee for a membership that I could never use if I canceled the card. I am sure I am not alone in this situation.

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 08-08-2015 about Consumer Loan (Installment loan) with Resurgent Capital Services L.P. (WA).
Issue: Managing the loan or lease

Complaint: LVNV Funding LLC alleged that I have a debt that is 9 years old ( last payment date was XXXX/XXXX/2006 - enclosed LVNV1.pdf ). I repeatedly told them not to contact me for that alleged debt. I have filed XXXX separate complaints with the Bureau of Consumer Financial Protection ( BCFP ) last year. LVNV promised not to contact me. Nonetheless, they established another company named " Resurgent Capital Service LLC '' and continue harass me with unwanted mails sent to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Vehicle loan or lease (Loan) with TCF NATIONAL BANK (MD).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: To whom it may concern at Gateway One Lending and Financing I am looking at my payment history and what I am seeing caused a red flag to go up. Why is my payment to principle and payment to interest fluctuating month to month? Each month my payment is this same, {$580.00}, but what goes to principle and what goes to interest jumps around. If this continues to happen it would take longer for my loan amount to be paid off. I have filed a complaint with the Consumer Financial Protection Bureau as well as cced the agency in on this email. I am eagerly awaiting your response in writing. <P/>Date Transaction Type Amount Principal Interest Fees Balance XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$430.00} {$150.00} {$0.00} {$32000.00} XXXX/XXXX/XXXX PHP_PAYMENTS {$590.00} {$390.00} {$180.00} {$9.00} {$32000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$450.00} {$120.00} {$0.00} {$32000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$400.00} {$170.00} {$0.00} {$33000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$390.00} {$190.00} {$0.00} {$33000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$420.00} {$150.00} {$0.00} {$34000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$420.00} {$150.00} {$0.00} {$34000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$340.00} {$230.00} {$0.00} {$35000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (FL).
Issue: Other

Complaint: on or about XX/XX/XXXX XX/XX/2015 we apply for a fnb credit card with this bank and after put my my credit score was XXXX over the average. which is excellent credit. and was the denial. so we apply for there business credit for the business that we owe with good credit. we was denial again. so we file a company with the consumer financial on or about XX/XX/2015. in the bank response they never addressee the issue .denial base on excessive credit report inquire. in there reponse they said no social security number and that statement is untrue. she said with this small business product requires a personal guarantee we was never offered the guarantee and that was unfair. we would sign a personal guarantee, if it was offered to us. but it was not. we are still denial your approve of the product base on the fact excessive inquire which is not a base. we as a XXXX XXXX and a XXXX owen with excellent credit. never late no miss payment always pay on time .I believe it was unfair to denial the business card for the company.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Consumer Loan (Installment loan) with Bliksum, LLC (CA).
Issue: Managing the loan or lease

Complaint: I have an installment loan with high interest rate ( 95 % ) with LoanMe. I have no problem with the interest per se, but with the manner in which they allot the payments to principal. For example, the with the XXXX payment of {$670.00}, nothing was credited towards principle. With the XXXX payment of {$840.00}, only {$1.00} went towards the principle. This trend continues until the XXXX payment {$770.00} goes towards the principle. Is this legal. At this rate, I accrue about $ XXXX/mo on interest. Can you help me? Is the legal? This topic is very difficult to research. Their NMLS # is XXXX or XXXX XXXX # XXXX. /They are based in XXXX XXXX Ca. XXXX. Their phone no. is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CT).
Issue: Loan modification,collection,foreclosure

Complaint: I have been training to short sale a house in XXXX XXXX, NM. I have had a purchase offer from a willing and qualified buyer, since XXXX XXXX, 2015, but after receiving numerous " commitments '' for conditional approval from the lending institution personnel, almost six months later, all parties are STILL waiting for an approval that seems unlikely to ever come.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX   XXXX   XXXX  reports MONTHLY on all  XXXX  credit bureaus for an account with a balance of  XXXX  it appeas to have started as  XXXX  and possibly connected  to (   XXXX   XXXX   XXXX   ). I  have tried for a few years to figure out what is going on. I have disputed this with all  XXXX  bureaus at least 18 times to no avail.  XXXX   XXXX   XXXX  shows on the report with the telephone  XXXX  and address of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . When i call the number it is the home loans ans not student loans. The representatives ALL state that I do not have nay student loans with them and the student loans center is closed indefinitely. yet the credit reporting is monthly and renews monthly which lowers my credit report score. I was able to call  XXXX  and the number sends me to the website : nslds.ed.gov. Again I am unble to locate information. I can not get ANY info from   XXXX   XXXX    XXXX  Yet they report monthly. I do have info saying that no payments has ever been made meaning the date of last payment was older than 7 years ago ( per FCRA any account that has not had a payment in 7 years should not show on my report s ).  The credit bureaus were able to give me that information as well as date opened i n 2004. I  would not have been  XXXX  i n 2004.  This account  XXXX   XXXX  and  XXXX   XXXX   XXXX  need to be removed for many reasons  ans the  most obvious is the age of the alleged accounts and date of last payment. They are illegally reporting monthly and renewing the debt monthly/.

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 04-09-2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (IL).
Issue: Deposits and withdrawals

Complaint: I currently have XXXX accounts with my local regions bank. The checking account was not overdrawn and the local branch closed my account without notice on XXXX XXXX, 2015. A direct deposit was made to the account on XXXX XXXX, 2015. The account had a positive balance of {$750.00} dollars. When attempting to use or transfer monies between accounts I was notified that the account was closed and that I could n't have access to my funds. 
I spoke to both a customer rep on the phone and the branch and still no resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Debt collection (Credit card) with Allied Interstate LLC (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We opened a short term credit account after our home received water damage. The loan was paid through XXXX, but the bank kept it open running up a {$2400.00} bill of interest. Then sent it to a collector after discussing the problem with the collector, it was determined we owed nothing and the problem was closed. 18 months XXXX submitted the same bill to another Collector to again try to collect the money again.

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 12/15/2015 about Credit card () with SYNCHRONY FINANCIAL (CT).
Issue: Unsolicited issuance of credit card

Complaint: Safe Step tub was installed XX/XX/2015 and credit card account opened for {$10000.00} of debt. XXXX at XXXX, and her XXXX daughter, were in no way able to make this purchase. Furthermore, XXXX has no XXXX that require her to use a XXXX and she is quite capable of bathing or showering in a regular set up. 
I have been contacting Synchrony since XX/XX/XXXX about this account and we continue to receive bills with past due charges. I have asked repeatedly that all those charges be rescinded and that any new charges be suspended until this matter can be fully investigated. I have not been contacted by Synchrony Bank at all - other than to continue to receive billing. Yesterday, I was stunned to learn that Synchrony has placed this account into collection with XXXX without so much as responding to even one of my many letters and numerous telephone calls. Today I am sending copies of this correspondence to the following agencies and asking each of them to conduct their own investigations into this matter as well as into XXXX 's business practices of targeting XXXX citizens and Synchrony 's business practices of opening credit card accounts and placing these XXXX deep into debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2017 about Debt collection (Payday loan debt) with National Arbitration Forum (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was settled with  XXXX   XXXX   XXXX  back in  XXXX    XXXX  . My uncle got a phone call from a   XXXX   XXXX   calling from  XXXX  stating she was calling from us national collecting a debt on the account that was settled. She had my dob, and social and states that she will try to not press charges. I told her case was settled and she asked me to submit email to  National Arbitration  reconciliation .org i tried that and the email did not go through. I followed  the trail  from where i got the loan and who it was sold to and confirmed with documentation that it was paid and closed out.

Company response to consumer: Untimely response
Consumer complaint received 12-04-2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo is not a servicer on any loan related to us or our property and refuses to provide any information on why they are authorized to use our personal identifying information, credit information and financial information. We have no agreement with Wells Fargo. Wells Fargo has no agreement with any other party regarding any obligation or our real property. 
See our full complaint in the attached PDF.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation