milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (OK).
Issue: Loan servicing, payments, escrow account

Complaint: My wife lost her job last year and my youngest had some health problems so we have contacted Wells Fargo to make arrangement on XXXX half of our XXXX payment. We paid mortgage XXXX a month. We set up a plan for remaining {$800.00} with XXXX and XXXX payment and making XXXX payment on XX/XX/XXXX. XXXX XXXX was a holiday ( did n't realize that when we set up arraignment ) and when the payment did n't come out on the next business day I have called XXXX to find out what happened and made a payment online. Our payments were set up automatically to come out of our account I am not sure why this payment was n't set up this way. My wife got a job and we caught up with everything by XX/XX/XXXX. We thought everything was OK. We have started looking in to moving and I have visited my mortgage XXXX to see what we can get approved for. He told us we were late with mortgage and can not get a loan till at least XX/XX/XXXX and even then we need a good explanation to what happened. 
Wells Fargo has reported out payment 30 days late. We contacted them and explained the situation:1. they set up our payment on a holiday 2. our payment did n't come out automatically. Upon speaking with one of the loan officers there they told us that is clearly their fault because the payment arrangement are never set up for holiday and we were suppose to be told there wont be automatic withdrawal on that day. We were advised to file a dispute with WF which we did. We requested the late payment to be removed due to reasons above. We waited 30 days on the response and upon calling them they stated they have never received our dispute. I had a fax confirmation and after confronting them about it they told me I was given a wrong fax number. I re-faxed the dispute and I received answer from WF stating they did n't do anything wrong, they ca n't remove late payment and that they added a compliance condition code on my credit and they will not remove it until I I tell them I agree with their decision. I received another letter today explaining payment arraignment and how we did n't comply ; however they are omitting the fact that our payment was set up on a holiday and no one told us we have to physically make a payment. What they are stating is that we cancelled automatic withdrawals. If we knew that we would make a payment ahead of time. They also never notified us that the agreement was broken what would trigger us to call and find out what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit card () with PAYPAL HOLDINGS INC. (OH).
Issue: Unsolicited issuance of credit card

Complaint: I was tricked by Paypal into paying for online purchases through Paypal Credit, even though I never signed up for a Paypal Credit account.I never gave permission to Paypal to be signed up for their credit account. I had my own money in my Paypal account ( not Paypal Credit ) that I assumed I was using when checking out online, but I unknowingly was being charged through Paypal Credit. When I would check out of these online websites, the option to use Paypal as a form of payment did not say it was " Paypal Credit '' so I was not aware that that is what I was being charged through. I am college student and did was not receiving the bills at school, so when I cam home last week I found an enveloped addressed to me that said that since I had not paid Paypal Credit back, I owed them {$510.00} ( I unknowingly had been charging a few items with Paypal Credit over a 4 month span even though I had money in my regular Paypal account ). I then received a letter saying that since I was late on this payment, my payment had gone into collections and that it could be settled for {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Money transfers (Domestic (US) money transfer) with RIA FINANCIAL (AZ).
Issue: Fraud or scam

Complaint: I got a call from a XXXX number claiming that I had won the XXXX prize of {$850000.00} and a 2015 BMW. I informed them that I was not in XXXX but was stationed XXXX. They then proceded to inform me that because of some XXXX law that I had to pay 1 % to get my money. Of course me being missinformed of things I took {$250.00} and sent it WalmartXXXXWalmart XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I pulled my credit file and I have noticed a few unauthorized activities that have taken place. The accounts that I have marked are inaccurate and have obviously been altered. I do not identify origination dates on those accounts, nor authorized any of the accounts listed below. My credit was injured vastly without my consent, no authorization to obtain money, goods, credit, loans, or services. Neither did I receive any benefit from this horrific situation. I am willing to work with the authorities. Someone has clearly been using my information since. I have filed a consumer complaint with the Federal Trade Commission XXXX. I WILL ALSO FAX AFFIDAVIT AND WANT THIS ERROR GONE WITH IN XXXX AS DICTATED BY FCRA.

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 11-05-2016 about Credit card () with U.S. BANCORP (AZ).
Issue: Billing disputes

Complaint: Edward Jones XXXX billed my account for {$440.00} on XXXX XXXX, 2016. This charge referenced my dispute with a scammer who XXXX my computer and charged {$440.00} to repair it. They did not. I questioned the charge and received a credit on XXXX XXXX. The Edward Jones Cardmember Service Department reversed its decision on XXXX XXXX. I have written and placed numerous calls to Edward Jones to remedy the problem. They now say they can not initiate an investigation because I questioned the charge after " the 60-day protection period. ''

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 10/30/2016 about Credit card () with WELLS FARGO & COMPANY (MA).
Issue: Rewards

Complaint: I was a Wells Fargo customer with their Wells Fargo Visa XXXX which gave XXXX points per {$1.00} spent at drug stores and grocery stores. I bought prepaid cards as defined legally as " XXXX '' by the CFPB. The T & Cs from Wells Fargo state we can not buy cash equivalents such as money orders or pre-paid gift cards. " XXXX '' is explicitly defined as NOT a gift card by the CFPB. Furthermore, cash equivalents have a definition as well. Cash equivalents include all undeposited negotiable instruments ( such as checks ), bank drafts, money orders and certain certificates of deposit. Of which, a XXXX '' is none. 
I received a letter asking me to cease buying prepaid cards or they would shut down my account. I did so immediately but nonetheless they shut down my account and took all the rewards I had earned which totaled {$5000.00}. I contacted Wells Fargo 's XXXX office and complained that I had done exactly what they had asked but still they closed my account and took all my hard earned rewards where in the end I lost money. 
I get that they can terminate the relationship at any time, but they should n't be holding back rewards, as what I did was not in violation of the contract.

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 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I recently received my credit report from Equifax. Confirmation number XXXX. There is information missing from this report from when I filed bankruptcy in XX/XX/XXXX. XXXX XXXX XXXX XXXX have been removed. The bankruptcy case number is XXXX. The property at XXXX XXXX XXXX TN XXXX was included when I filed. Someone is using my personal information to abuse my credit. There is an address listed that do n't belong to me. It is XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. I 've never lived in Michigan, nor have I ever visited there. XXXX-mortgage statements have been reported to IRS for XXXX XXXX XXXX. The loan number is XXXX. Their Federal Identification number is XXXX/address XXXX XXXX XXXX XXXX Kentucky XXXX. The loan I had with XXXX XXXX is not on this credit report, yet when I filed bankruptcy in XX/XX/XXXX loan number XXXX was in the court database base. The property was foreclosed on and sold to Tennessee Housing Authority. A XXXX was reported to IRS in XX/XX/XXXX. Someone reported The Department of labor Federal Identification to IRS. Rather than Tennessee Housing Federal Identification number. The deed number after the property was sold is XXXX. The property was sold in the amount of {$18000.00}. I was not involved with the transaction. I requested this information from XXXX XXXX XXXX County Register Office in XX/XX/XXXX. I pulled my transcripts from IRS, this is how I gained access to the number. There are medical accounts on the report that do not belong to me. Account # XXXX ( XXXX ) $ XXXX-XXXX XXXX XXXX. Account # XXXX ( XXXX XXXX ) {$42.00}. XXXX XXXX XXXX -Account number XXXX ( XXXX XXXX ) {$0.00}. XXXX XXXX XXXX -account # 's XXXX,XXXX,XXXX & XXXX is on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2018 about Debt collection (Medical debt) with Controlled Credit Corporation (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Controlled credit corporation has been calling my place of employment repeatedly times throughout the day. Until it is interfering in my job and I 'm at risk of losing my job. We are not allowed phone calls of cell phone use at work.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Debt collection (Medical) with HEAD MERCANTILE CO., INC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Multiple debt on medical bills the debt collector can not tell me dates or service or for whom

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have sent XXXX letters to Equifax credit dispute department started on XXXX XXXX thought out the months leading up to XXXX XXXX asking them to verified XXXX accounts each time equifax mail me my dispute results alway say we verified that this belong to you. Attach to this complaint is all the letters with certified receipts. 
Equifax have not provided any copy of documents there use to verify these accounts. I therefore are unable to accept there response that such alleged was accuracy was verified. 

Furthermore there marking a account as verified while refusing to provide the evidence of documents of verification per my request to me the consumer, where I have the right to such information under the consumer rights to access information ( ( XXXX XXXX XXXX XXXX XXXX seems to be false representations and inclusion of inaccurate information this violating federal laws. 

Equifax is unwilling to verify any of these accounts, then under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to ... promptly DELETE the information. The law is very clear as to the XXXX liability and the remedy available to me for negligent noncompliance XXXX XXXX XXXX XXXX if you fail to comply with this XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Each letter I sent had a copy of my SS # and driving license inclosed

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: HUD statement and Deposits into Escrow seem to match and accurately estimate/account for all required disbursements. Lender however is explaining that the disbursements on the account put escrow in negative balance of over {$5000.00}. No mathematical model I have been able to devise gets myself, the title company, or the loan originator to the same figures Penny Mac is billing me for. The HUD statement accounts for disbursal expenses and the only increases in insurances not on the HUD Total roughly {$540.00}. If paid XXXX months up-front, the HUD total accumulated amount covers expenses less the increase in insurances how could the balance possibly go into the negative past the amount of insurances increase? I believe I am being billed XXXX for XX/XX/XXXX MUD taxes that were collected since loan origination, although clearly included in the HUD the MUD tax was not paid in XX/XX/XXXX but in XX/XX/XXXX. I have repeatedly asked representatives to share the mathematics that equate to the negative balance and they can not and have blamed increases in insurances and taxes that do not exist. I have worked with all parties involved to attempt to resolve and after working with the title company and agent who wrote up the loan originally was instructed to submit this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Prepaid card (Other special purpose card) with CITIBANK, N.A. (DC).
Issue: Managing, opening, or closing account

Complaint: I received XXXX citibank ( prepaid.citi.com ) gift cards for my XXXX tax return. The citi website is nearly impossible to navigate with circular links that return you to the home screen. 

I had to create XXXX accounts to access the XXXX cards I received, meaning that to check the balance on both cards I had to logout, clear my cache, and log in again ( or use XXXX different browsers ). 

The system froze while I attempted to access, again preventing me from accessing my funds. 

Finally, there is no way to see your entire balance so while I know I was charged a {$3.00} maintenance fee XX/XX/2016 ( the first time I logged in ), I have no idea whether I had previously been charged a fee. To that end, whenever I agreed to receive a gift card as part of my tax return, I certainly never agreed to pay a maintenance fee for the same.

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 03-02-2016 about Credit card () with PAYPAL HOLDINGS INC. (OR).
Issue: Closing/Cancelling account

Complaint: Paypal continued to harass me about opening a credit account, so finally I applied and opened an account in XXXX 2015. Less than 2 months later I received a notice that my account was closed because Paypal had not updated my new address. I received the notice at my new address. I contacted them and was informed that they would reinstate my account but that I was forced to allow them to run a " soft credit '' report in order for them afterwards to reinstate my account, so I hesitated, but then agreed. We had an agreement. I also filed a seller complaint against a merchant who misrepresented an ad where I received merchandise not resembling the ad 's description. I faxed all relevant documentation to Paypal timely. Instead, the letter I received from them in XXXX stated that my account was closed and the dispute was closed ; the letter was also very vague. I immediately contacted Paypal and that is when I was forced to submit to a soft credit check then my account would be opened. They never re-opened it and the dispute was never properly followed up on. I have made several calls since then requesting to speak with XXXX XXXX, to which I was told I could not. He is the head of credit I was told by XXXX or XXXX, so very ghetto behaved loser in escalations? She also told me that " I am the highest you 're going to get next to XXXX XXXX ''? When I was speaking with her, the line went silent for a long while ; I thought maybe we were disconnected, but she was just playing hoodratty games and giggling at my dismay and disappointment with the illegal treatment. I terminated the call with her at this point. Called back later, spoke to XXXX who then transferred me to XXXX where all he did was say " I 'm sorry you were told that, or that, or that this happened to you '', but he refused to correct the matter and gave me the very same fax and dept. to contact about disputes and customer care that I had previously been dealing with. I informed him that Paypal behaves like a bunch of monkeys in a circus, aping one another while upsetting and treating customers with such illegal and dishonest behavior. I finally had to hand up on him also. He, nor anyone at Paypal would rectify the situation. They hire anyone without any problem resolution skills and then one is referred back to the very same dept. that presented the confusion and illegal conduct in the first place! I even reminded XXXX of the settlement and lawsuit last year by the CFPB and he did n't seem to care. Paypal need be cleaned out and intelligent, mindful and law abiding reps and supervisors need replace the dumbed down and unlawful scraps they currently employ. They need to reinstate my account and refund my disputed amount ASAP or else. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/26/2016 about Debt collection (Payday loan) with CURO Intermediate Holdings (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I think they key words here are Speedy Cash. I 've been reading that these guys fish people for information under the guise of advance loans. I have NEVER taken out a loan of any kind outside of my mortgage, period. They call daily from the same number. It is a recording from a woman named XXXX, calling about a " personal business matter ''. It 's exactly 36 seconds long and comes in twice a week or more. I 've been on and recently renewed the DNC list for my phone. I 've also blocked the number. I 've read on various sites on the internet that in responding they fish you for personal information including SSN. They have also mailed me twice from XXXX different Recovery services. XXXX XXXX and another, but I threw out the letter once I read about the scam. The letter asks to remit payment with no details other then the amount on the letter. 

This is either a phishing scam or I 'm the victim of identity theft. Given the scam notices, I 'm going with the former and ignoring.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Billing disputes

Complaint: The following has been submitted to Bank of America VISA credit card disputes department. XXXX duplicate {$77.00} charges and XXXX {$82.00} charge were made from XXXX XXXX XXXX in XXXX on XXXX XXXX, XXXX. The {$82.00} charge was correct but the XXXX {$77.00} charges were a mistake. The paper was jammed and the charges were submitted three times so another charge was made at the restaurant bar for {$82.00} ( {$5.00} was added since XXXX person did not qualify for the XXXX discount ). On XXXX XXXX, XXXX I had asked for the XXXX {$77.00} charges to be refunded but only XXXX was refunded. In XXXX XXXX and again in XXXX XXXX I called about not receiving the other XXXX refunds but nothing was done. I called again XXXX XXXX, XXXX and was asked to write a letter because the agent " could n't do anything about it since it has been more than a year ''. The reply to the letter and a phone call to Bank of America credit card billing disputes department was that they could not see the statements as far back as XXXX XXXX and therefore the case is closed. I pointed out that a statement is being mailed to me so why could n't they see the same statement. The agent asked his supervisor and was told that the case is closed and I would not receive my refund. I have been a customer with Bank of America since 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 monetary relief
Consumer complaint received 11-11-2015 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In 2007 my son was trying to secure a private student loan from XXXX XXXX XXXX ( now defunct ). I agreed to help and signed papers to authorize a credit check and a master promissory note, which did not show any interest rate, fees, etc. A week or so after that, I received aFederal Truth in Lending Disclosure. Up to that point I had NO knowledge of the interest rate or total Finance charges. Once I received it, I refused to sign it due to the extraordinarily high interest and fees. My son contacted XXXX immediately and told them that I would not approve it, but they told him that he could proceed with the loan without my approval, which he did and received a check made out to him ONLY ( unlike a private student loan, which I DID co-sign ). 
Since then my son defaulted on the loan and my credit has been ruined by the loan administrator, American Educational Services ( AES ), who have perpetuated this fraud by XXXX. 
I have done everything I can to get this issue resolved on my own and need help. 
The note was initially handled by AES and I received copies from AES of all of the materials involved including the Federal Truth In Lending form WITHOUT my signature. At this time AES has informed me that ownership of the has been transferred XXXX XXXX ( aka, XXXX ), but I can not even verify this as my dozens of requests to that organization have been ignored. 
I need my name removed from this note as a co-signer as I never agreed to the terms of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I realized my bank had made XXXX payments for homeowner policy when they notified me that my escrow account was short and it resulted in increased monthly payments.

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