milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (AL).
Issue: Trouble during payment process

Complaint: Wells Fargo serviced my loan through  XXXX 2015, during which time I was involved in a Chapter   XXXX    Bankruptcy. I have requested on numerous occasions that Wells Fargo provide a complete detailed payment history from when they serviced the loan, since I have disputed the balance of the account. Wells Fargo has refused to provide the payment history, stating they have no obligation to do so. Wells Fargo is in violation on RESPA and CFPB loan servicing law. I am seeking your assistance on this matter.

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 10/18/2016 about Mortgage (Home equity loan or line of credit) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Settlement process and costs

Complaint: A branch manager from Citizen 's Bank called me in XXXX, 2016 to ask if I wanted to extend my second mortgage/ line of credit which was to expire in the XXXX. She quoted me a rate, and I said sure. Completed the required paperwork, and was quickly approved. An assistant manager called to say they were ready to close and arranged a time at a branch closer to me. When I arrived terms not previously told to me were imposed such as : ( 1 ) I had to borrow at least {$25000.00} and ( 2 ) any payments would be deducted from my account monthly. As we at the bank already, we agreed to accept those terms. I quickly paid pack the loan except for {$150.00} so as to avoid any interest payments. 
At the time of the closing, certain forms needed to be notarized. No notary was present, but we were told " not to worry, the bank manager would notarize on Monday and all we needed to do was sign '' We did. Subsequently, the manager came to our house for us to re-sign the loan and to notarize. Of course, we were charged fees and interest not told to us. 
How many other people are being charged fees and interest from Citizen 's bank?

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (Credit card) with C.Tech Collections, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This involves a dispute that was resolved in my favor in XX/XX/XXXX, for a XXXX service by XXXX XXXX on XXXX XXXX XXXX. 

The service was done without any disclosure of the pricing, after which I was forced to pay the sum of {$3100.00}, - for a facial service lasting less than an hour. I was told I could dispute it or ask for a discount after the fact. 

I won the dispute providing evidence of other merchants in the same line of business, who stated that the charges were more than outrageous, as common sense would tell you. 

You 'll understand my surprise to now learn that the merchant engaged debt collectors after agreeing to resolve the dispute in my favor and releasing the charge made. 

I have gotten in touch with the debt collector and explained my situatin. I was asked to put things in writing, so I did, also providing proof of the dispute being resolved. I was told my case would be discussed internally.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax removed inquiries from my credit report and then re-inserted them without notifying me. The non-notification is a FCRA violation and I would like the re-inserted inquiries removed as soon as possible. I tried to call but the wait time is too long. I called 3 other times and the lines were busy.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Continuous problems with bank while I have attempted to get my payments on track after they failed to contact me timely or correctly of an issue with my escrow. I have received no resolve of my XXXX due to their negligence. I have called multiple times only to be told that I owe more. I have called to resolve, spoken with agents who have told me I was good to go, then another issue will pop up. I was told that I was all clear, caught up and if I would go to their automatic withdrawals, I would n't have the issue again. I followed their course of action, had 1 payment automatically withdrawn. I was cancelled there after due to another claim that I was short on my payment. Nothing but XXXX form them. They are a fraud filled bank that need to be shut down

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 08/31/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: On XX/XX/XXXX i opened up a checking and money market accts@Citibank.I was assured that both accts would be tied together to eliminate any service charges to my checking acct.XX/XX/XXXX i went to my bank and found out a $ XXXX/mo service was in fact being charged to my checking acct.I phoned customer service @ XXXX and spoke to a supervisor named XXXX, who informed me that no service fee was charged to my checking from XX/XX/XXXX until XX/XX/XXXX.On XX/XX/XXXX a ( Sweep ) was performed to my checking acct which somehow activated a {$30.00} service charge to my checking.XXXX informed me that a {$630.00} credit would be applied to my checking.XX/XX/XXXX to XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 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: Old information reappears or never goes away

Complaint: XXXX XXXX, XXXX is when I had received the loan. Legally its suppose to be off my credit in 7 years and its been over 7 years and they wont let me dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (I do not know) with ONEMAIN FINANCIAL HOLDINGS, LLC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Being contacted for a loan that was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Credit card) with Hosto & Buchan, PLLC (TN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: my husbands XXXX due to XXXX, and XXXX, he will not be able to work anymore, XXXX took over a credit debt back in 2008 and we went to court and XXXX told us not to worry about it because my huband id XXXX a cant work anymore I take care of my husband, XXXX hasput a judgement against my husband and this law firm hosto & buchan hired by XXXX has told us they will not drop the matter, we have to move now. out of a home weve rented for 17 years and we cant rent another place to live with this judgement on my husbands credit report, we would really appericate any help in this matter. Thankyou And God Bless Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: From the month of XXXX, I have been contacting Ally financial to pay the minimum monthly payment and I have n't been able to. Ally financial, has blocked me from making online payment, XXXX XXXX and XXXX XXXX. I went on XXXX, to XXXX to make payment to Ally financial via XXXX XXXX and on the screen the customer service representative said that she had never seen a message across the screen instructing me to call into Ally because there was a block on it. Moments later, I called into ally 20 times to be exact to correct the problem, and they stated they received a fraudulent check from me. I do n't even have checks and have always used online banking, ( which I 'm blocked from as well ) but the rude customer service rep in the fraud department stated that their was a check but it the check was n't written by me at all. Ally Financial has blocked me from all ways of making a payment, and I have lates on my credit from it ... Ally financial is also aware of my difficulties of making payments because they blocked me from all forms of making payments.

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 03/31/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls almost every day, leaves no message. When I Googled the number, comments indicated Midland Credit Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-03-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have requested to release my cosigner for the last three years to no avail, even though I have followed all of their requirements and met their terms including two years of on-time payment and credit score. When I was denied the first time, they told me I had all of the information and on-time payments, but did not have the credit score. When I asked what the credit score needed to be, I was told that she did n't know and could n't tell me. The second time I was denied, I was told that I had late payments, even though I did not. I was then told I did n't have the credit score, though my credit score had increased by XXXX points. The third time, the customer rep told me she did n't understand why I had been denied the XXXX previous times and I should have been approved, but she would get back to me. I never heard from her again. I am submitting another request on XXXX. I have also requested to have late payments removed from my credit report as I was not late on several months listed - XXXX and XXXX. I was supposed to have a forbearance that they made me take. Additionally, I asked for other options other than forbearance due to unemployment and was told I had no other options.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have had a credit card with Chase Bank since XX/XX/XXXX. I have never had a late payment or a returned payment. I make several payments on the card monthly. Since XX/XX/XXXX Chase will post the payment to my account/make credit available and then the next day put the payment on hold and remove the payment from my available credit. This causes issues because purchases start to be declined. Chase gives me no justifiable reason why they done this.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Debt collection (Credit card debt) with Convergent Resources, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On or about XXXX, I received in my home mailbox a bill addressed to me from something called XXXX XXXX XXXX XXXX XXXX. 

It said their " client '' was willing to accept {$950.00} on a debt I owe of {$2300.00}. 

It offered " convenient '' ways to pay various amounts via credit card or check. 

I called the toll-free number on the document. The person said he could not " access ( my ) account '' unless I gave the last four digits of my Social Security number. 

I refused and suggested to the young man that he seek honorable employment. 

What happens when these people send bills to some of the many Americans - many of them low-income - who simply pay whatever bills they receive in the mail?. 

I hope you will prosecute the people responsible for this operation to the fullest extent of the law.

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 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
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: Code of Federal Regulation, Title 34 Education ( 34CFR628.405 ) Part ( 3 ) ( ii ) The prior holder of the loan must, within 30 days of receiving the notification from the guaranty agency request that any consumer reporting agency to which the default claim payment or other equivalent record was reported remove such record from the borrower 's credit history.There have been several disputes put into effect since XX/XX/XXXX. Acct number XXXX Company named XXXX is reporting paid account open on Transunion and XXXX report. The account was paid XX/XX/XXXX but on all 3 credit reporting agencies dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have disputed this account be removed twice to all 3 agencies. They state XXXX was the original creditor I never received student loan through XXXX  my student loans were Federal loans opened in XX/XX/XXXX and XX/XX/XXXX, which was sold to other collection agencies throughout the years that cited lack of privity. The last date of delinquency was in XX/XX/XXXX as reporting on Transunion and XXXX. They violated FDCPAA by changing the DOFFD and DOFLA. Statue of limitations per FDCPA is 6 years in Tennessee these laws are being violated by XXXX XXXX ( acct XXXX ) opened XX/XX/XXXX, XXXX XXXX ( acct XXXX ) opened XX/XX/XXXX and XXXX orig delinquency date should be XX/XX/XXXX. I respectfully ask you to investigate my claim and expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the my address. Finally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. Documentation of late payments and signed documentation of signed contracts and consents In accordance with the FCRA I respectfully request you forward this information within 15 days of the completion of your re-investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was a student at XXXX XXXX XXXX XXXX  the fall of XX/XX/XXXX. I arrived on campus XX/XX/XXXX. During that time, I do not recall applying for a loan. Also during that time my wallet was stolen with some of my valuable information in it. I left campus going home on XX/XX/XXXX. Navient is telling me that I owe for a loan I applied for and when asked for the paperwork to back it up no one ever sends it to me. Please help me because they're constantly calling and sending letters but not with the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with U.S. BANCORP (WA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Using an app called '  XXXX   XXXX   ' of whom has been trying to contact my bank, US Bank , for my account information. US Bank apparently has not done as requested via   XXXX   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 05-03-2017 about Debt collection (I do not know) with Convergent Resources, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: ConvergentUS did not address my previous compliant. this compliant is being sent in response to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act,  XXXX  5 USC 1692g Sec. 809 ( 8 )  This is NOT a request for verification or proof of my mailing address, but a request for  VALIDATION  made pursuant to the above named  Title and Section. I respectfully request your offi ces provide me with competent evidence that I have any legal obligation to pay you.     . Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request in a timely manner. all of the references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

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 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: First, I have other pending complaints regarding some of the same issues which I soon will list below. However, I am submitting this complaint here because   XXXX   XXXX    reason for denying my claims appears that the issues of my complaint were not clear.   In order to clarify my issues/complaints, these are now the current issues :  1 )   XXXX   XXXX   XXXX  action requested : To remove the Comment " Account previously in dispute-investigation complete, reported by data furnisher . '' 2 )    XXXX   XXXX  -action requested : To remove the  Status advis ory " This item was updated from our processing of your dispute in  XXXX   2015 . ' ' 3 ) P ersonal statements you 've asked us to include-action requested : To remove the following statement " FILE FROZEN DUE TO STATE LEGISLATION. '' I want continue with the security freeze, but I never requested/authorized that statement to be added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I signed a Financial Disclosure For Reasonable And Affordable Rehabilitation Payments on my student loans with XXXX. XXXX XXXX XXXX, XXXX They based the monthly payment amount on my income. This has been being paid monthly since XXXX/XXXX/XXXX yet it is still showing as a collection that payments are not being made on with all 3 Credit Bureau 's. 
This is incorrect and needs to be fixed back to the date of XXXX/XXXX/XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Attn : XXXX XXXX  TransUnion My name is XXXX XXXX I have provided you with the following items I have listed below that your company is reporting inaccurately. I look to place all accounts as fraudulent accounts. I am a victim of identity theft. I have been affected by the credit breach. I have attached a letter, copy of the FCRA where the credit bureaus and creditor violated me by going on to my credit file and reporting inaccurate accounts on my credit. False Pretense in the act of being the consumer and not getting any consent from me to open up my credit report. 
Please take this documentation I have provided as a dispute and an affidavit. Contact me at number i have listed and please add my mobile. 

Inquiries : XXXX XXXXXXXX XXXX/XXXX/XXXX Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Collect Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have sent a 609 letter to all 3 credit bureaus requesting validation of a debt that 's reporting on my credit account labeled " XXXX ''. 

I am requesting that under the FCRA act that this company provide me documentation on this debt, proving that I am liable as I have not received anything in writing, email, text message, phone conversation from this company. 

I sent a 609 letter to all 3 credit bureau 's whom failed to provide me proper documentation that this debt belongs to me. Yet XXXX is reporting and making changes to this debt monthly without my consent or my aggreance. 

I have attached the 609 letter that was sent to the credit bureaus and also screen shots of XXXX erroneously reporting this account on my credit report. This debt came back 'verified ' but I was not provided any documentation that supports that claim. 

Please furnish all documentation that authorizes this company to do this to include but not limited to a contract signed by me with this company. 

Otherwise I am requesting removal of this account from my credit report.

Company response to consumer: Closed with explanation