milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: When running my credit report to refinance our home it showed I had a bill to XXXX I owed in 2010 that was never paid. I never signed up for service or gave them consent for service and now this is affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (MA).
Issue: Charged fees or interest you didn't expect

Complaint: On, XX/XX/XXXX I received a post card from this company offering a loan. So, I went online and was approved for {$300.00}. Ok fine. Sign everything. Except was n't included in the papers was I would be paying back {$1200.00} until XX/XX/XXXX. There I rest rate is XXXX. I called them to cancel after reading this, and told me it was to late. Has of today, the XX/XX/XXXX they withdrew {$110.00} from my account. Interest is {$39.00} {$73.00} is principle. This is a scam. I called my bank to stop any other future withdrawal. Also, I am on SSI, the monthly income to get this is {XXXX}. That 's what I receive. They do n't answer the phone emails. Nothing. The reviews and the complaints on this company is outrages. They fool you into this without sending the real paperwork, which states the loan interest until after they give you the money. Then your trapped.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have been fight with the credit reporting agency for all three XXXX XXXX and XXXX for about 8 years i have been a victim of identity theft. they removed it once and then put if back on my report. i have filed police reports as well over and over again. there are 4 items. there is a new one and i called them and explained that i do n't know who they are i dont have any credit with them its a law office and they keep robo calling me and will not remove from my report and threatening to keeping adding it on my report .i all ready have a duplicate from them now. there 's a bankruptcy on my report that i never had

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Credit card () with SYNCHRONY FINANCIAL (AR).
Issue: Closing/Cancelling account

Complaint: Synchrony bank ( formerly GE credit ) closed my account two months before the rewards payments were to be paid. I was in a " chat '' discussion with a SYNB associate expressing my displeasure at the new policy of not making statements available online. I stated that I did not wish to do business with SYNB due to this policy. The " chat specialist '' was supposed to connect me to a phone call to inquire about my cash rewards on {$10000.00} of purchases, but instead was disconnected. When I called back the person told me that the account was already closed and my cash was forfeited! My bill was already scheduled on the due date of XXXX of a payment in full for the full statement balance, but did not include pending charges. I want my rewards and a method of payment for the bill that will be due in XXXX. I have not received any further correspondence other than " Thank you for chatting with us ''. Synchrony Bank AKA XXXX Bank XXXX GE Capitol, GE Credit is a disreputable business which preys on consumers who are the most vulnerable and least suspecting. It seems that they do NOT care about their reputation and have already been fined and brought into class action lawsuits, but continue to defraud consumers. It seems that it is more profitable pay out millions in fines and continue the unscrupulous conduct than to change these practices. Please crack down on these crooks and put the word out there to department stores who are drawn in by promises made by these crooks.

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 06-01-2017 about Mortgage (Conventional home mortgage) with 21ST MORTGAGE CORP. (NM).
Issue: Struggling to pay mortgage

Complaint: I am a   XXXX   XXXX   XXXX   working towards a  XXXX   XXXX , I am a widow ( I am awaiting widows benefits from Social Securit y ),  and I am a single parent with dependents. My father,  XXXX   XXXX   XXXX , bought the home in  XXXX   XXXX  but unfortunately passed away on  XXXX   XXXX ,  XXXX . I inherited the home along with the inherited debt which I did not plan for financially. I am on scholarships, grants, and student loans  which pay for my living expenses each semester I am in college. I called the 21st Mortgage Company to  set up a payment arrangement for the month of  XXXX  as it was the end of my funding for the  XXXX  semester. They were rude, unwilling to work with me, stating that I should have budgeted for the mortgage with my monies from school. They have called me daily and e-mailed me consistently on  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  with harassing messages. They are aware of my financial situation but they continue to call me and harass me daily. It is unbearable, it puts added   XXXX    on me and my family, and I will not be subjected to their unlawful practices any further. I have tried to work with them but I will not tolerate their demeaning, rude, and harassing behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Managing the loan or lease

Complaint: I purchased a vehicle from XXXX XXXX in XXXX XXXX XXXX, XXXX, New York in XXXX of 2015. The vehicle was financed by Santander Consumer USA. Neither the dealer nor the bank informed me of the terms of the loan. I later found out that the interest rate was exceptionally high at 21 percent. Since I bought the car I have paid over {$20.00}, XXXX and still owe at least {$26000.00}. I have requested a lower interest rate from the bank. I have even asked the dealer to take the vehicle back in a trade, but they all refused because " the vehicle is overpriced '' they state.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Problem with fraud alerts or security freezes

Complaint: Due to gross negligence of companies like Equifax handling our personal information I find it extremely unethical for credit monitoring companies like Equifax and XXXX to be able to not handle our private information properly, have several hundred millions of US citizens social security and finance information leaked, and then have the gall to expect us to pay them {$5.00} to freeze and unfreeze our credit lines. So we 're basically obligated to go pay these companies money because they leaked our information and we do n't want to be in financial ruin for years because of it. So basically the way this is set up is that we are forced to pay them and if we do n't then our information will more than likely be used by criminals because they are never held accountable. This is legal, and apparently encourageable, extortion. Plain and simple. Companies need to be held accountable for their extreme lack of security with our information or make it free to freeze or unfreeze our credit lines. Does the mob run our finances now because I definitely feel like I 'm obligated to pay protection money in order for my life to be lived normally.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Mortgage (Other mortgage) with Supreme Lending (MN).
Issue: Credit decision / Underwriting

Complaint: I had been working for Supreme Lending in XXXX XXXX, MN off XXXX XXXX in the XXXX XXXX building in XXXX 2015- XXXX XXXX 2015. They had shown me how to alter a XXXX after a borrower has signed and dated it, including changing the name and address of the borrower. I know this to be against what is acceptable and so I refused to do it. They fired me shortly after however, they still use edit pro to change XXXX without borrowers consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: This is my second attempt to solve problems with what my mortgage co is doing they are not answering my questions they are not telling the truth I have paid extra in my escrow and they have not applied the money there .They have sent me account information sheet that clearly shows payments not applied to my account .They have sent me transaction history which clearly shows payments not applied and the extra money i have with receipts shows I paid extra to escrow and they have not applied it per paper work they sent me on these months ; XXXX/XXXX/XXXXthey show I paid XXXX the check they receive from me was for XXXX XXXX/XXXX/XXXX shows on their paperwork payment received was XXXX my check was XXXX I show at least 30 payments that they have done this with They are not telling the truth and are stealing money from me and my account .There was a XXXX check written to Washington Mu. on XXXX/XXXX/XXXX it was not applied by them or chase check number XXXX they are not collecting the escrow a year at a time so I am short every time my taxes and insurance is due. but if you look how much they collect in a 12 months time there should be enough or a little short they collect escrow from XXXX to XXXX but pay the insurance in XXXX and taxes in XXXX and XXXX They are telling me I am XXXX short. For example they collected per them from XXXX to XXXX in XXXX XXXX and paid Taxes of XXXX plus insurance of XXXX XXXX so as you can see there was enough to cover the cost at no time have I had the money to cover taxes and insurance.but on XXXX/XXXX/XXXX i see where there is a minus on my loan for XXXX saying it is a restricted escrow disbursement on XXXX/XXXX/XXXX there is a restricted escrow refund of XXXX and also on XXXX ; XXXX a restricted escrow refund of XXXX also on XXXX/XXXX/XXXX there was a XXXX restricted escrow disbursement and XXXX/XXXX/XXXX there was a restricted escrow refund of XXXX have sent 2 requests for some one to tell me where these funds went they will not answer me .when they got the loan it was for XXXX per what they sent me but when we did the modification they have it listed at XXXX seems there is extra money on mod paper work and not the same on the account info also my loan from XXXX was a XXXX since chase bought Washington mu they should answer these questions my contract from Washington mu shows XXXX for principal and interest taxs XXXX and insurance of XXXX .total of XXXX as of XXXX/XXXX/XXXX no money has gone on principal and every month there was XXXX in curtailment no one will explain whyXXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX payments were not applied on my account for mortgage on XXXX/XXXX/XXXX they have a loan maintenance charge of XXXX and XXXX theyn say its not there well on my cooy it is has it been removed

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Novea Portfolio Management LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I had an Old account with cash call that was sold to a completely different 3rd party company and a completely different scam company started to call me almost 5 times a day and began calling my references and family members who were never listed as references. The person named XXXX was threatening me with legal action and was very aggressive and rude. I dont feel i should have to tolerate any kind of harassment from anyone for a past due account. I think i would be better off filing for bankruptcy at this point because i cant afford to pay this bill at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is showing a judgment from XXXX that should have never been reported on my credit report This judgement was investigated by XXXX and XXXX through you and was deleted and should have been taken off experian also.I have proof that I was exempt from paying this judgment from the courts there for should have never been reported on my credit This was judgment was filed in XXXX but was n't reported until XXXX. I would like this judgment taken off my credit because it is preventing me from buying a home. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX ( hereinafter " XXXX '' ) has been trying to get a loan modification for more than a XXXX. However, her efforts have not been met with the same intensity by Wells Fargo Home Loans ( hereinafter " Wells Fargo '' ). After working extremely hard to solve the present issue with her lender, she was offered a trial payment period ( hereinafter " TPP '' ). XXXX ' new modified payment was going to be {$2400.00}, at 4.5 %. However, in a later review, Wells Fargo found out that the title was not clean. The title presented several liens imposed by the XXXX Court in favor of XXXX XXXX XXXX XXXX XXXX, and their attorneys XXXX XXXX XXXX. XXXX XXXX ' loan modification was denied because she could not clear the title on time. She appealed said decision on or about XXXX XXXX, 2016. On XXXX XXXX, 2016, Wells Fargo denied her appeal based on the title not being cleared. XXXX XXXX reapplied for a loan modification and her paperwork is with the reentry team, since more than XXXX days before the sale date. The sale date has been scheduled for XXXX XXXX, 2016. XXXX XXXX was not aware or was not advised about this sale date. I spoke to XXXX XXXX from the reentry team today XXXX XXXX, 2016. He indicated that Wells Fargo was not going to stop the foreclosure sale because there was a change in the guidelines from the XXXX XXXX XXXX that did not allow a loss mitigation review on loans that are more than three years delinquent. He also indicated that this rule was imposed on XXXX XXXX, 2016. XXXX XXXX has also requested foreclosure mediation on XXXX XXXX, 2016 as it is her right to do so. Therefore, having foreclosure mediation scheduled is also a reason to stop the sale date to have enough time for a loan modification. As previously stated, the title is cleared now. It is only the XXXX XXXX for XXXX XXXX XXXX XXXX that is taking its time to process it. Attached please find documents that prove that the title is clean now. Wells Fargo has more documents in their possession that corroborates this claim, documents like receipts and letters.

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 02/28/2017 about Credit reporting () with LEXISNEXIS (ID).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: the company refuses to change bankruptcy as it was NOT discharged it was closed

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Bank of America charged a {$25.00} " Advantage Monthly Maintenance Fee '' on the following dates : XXXX/XXXX/XXXX - {$25.00} XXXX/XXXX/XXXX - {$25.00} XXXX/XXXX/XXXX - {$25.00} The B of A refunded {$25.00}, but refuses to refund the remaining {$50.00}. 
I have had this account many years, and I 've always had completely free checking. I believe Bank of America should have contacted me before making these deductions from my account. Had I known that the bank was going to implement these maintenance fees, I could have combined my two checking accounts into one that would easily exceed the newly required minimum balance of {$5000.00}. Instead, I had no knowledge that these maintenance fees would be implemented and I never authorized these deductions. In my opinion, it is dishonest for Bank of America to operate in this manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-09-2016 about Student loan (Non-federal student loan) with AES/PHEAA (MI).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: Back in XXXX, I was talked into a very expensive education loan XXXX. At the time the job I had was going to end and their was really no jobs XXXX available because of the economic conditions. As I went through the training I realized I would never get a job in this field because #! I did not have any experience in the XXXX field and on top of that there were literally thousands of people being talked into these training programs because of the poor economy and fear they needed to retrain so they could get a job. The initial loan was {$15000.00}. I have been paying on it since XXXX and the balance is still over {$12000.00}. It is not scheduled to end until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed this information with Equifax and with XXXX XXXX. XXXX XXXX and Equifax has refused to validate that this account is mine. I demand that during this investigation it be deleted from any and all my credit reports. Equifax claims that this information is being reported correctly and has refused to provide me with full details of their investigation. As for XXXX XXXX they have refused to delete this from my credit report as well but has not validated that this account is even mine. I have requested VALIDATION OF THIS ACCOUNT and proof of payment history to show the so called balance owed along with proof of payments that were posted to the account I also requested this information. As of today I have not received this from either XXXX XXXX and or Equifax. I demand that they send me proof that this is my account and that the amount and the information is correct along with complete payment and statement history from day one and the signed contract showing I owned this vehicle as I do not recall ever having an account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Account opening, closing, or management

Complaint: On XX/XX/XXXX, I noticed a " credit account '' attached to my business account at Wells Fargo Bank from XXXX Today for {$6200.00}. This was a surprise since I did not request any such account. I called and communicated via email to Wells Fargo Bank and tried to cancel and each time they tried to convince me to keep it. In addition to that Wells Fargo Bank sent me a credit card for purchase of products from " XXXX '' a company that sells carpeting, even though I did not request for such a card. I finally was able to get Wells Fargo to cancel the credit account on XX/XX/XXXX, but was told that I would be responsible for any charges on the credit account. This is unacceptable. Wells Fargo has not right to play games with my account. This is a clear case of ongoing cross selling by employees that is continuing despite government investigation into Wells Fargo business practices.

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 01-02-2017 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been working with a realtor over the past several months specicialy 12 months. This realtor has done a horrible job and really did NOTHING to help me with this short sale. I totally mislead me into believing that he was actually working for me. He was never able to actually get a legitimate buyer and able to get the bank to work with us to complete the short sale. Now I have an attorney and a new realtor ; helping me get thru this process. I have an offer that I am going to accept and submit to BSI financial. I would ask that BSI stop the sale and allow me additional time to effectuate this sale and avoid foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I n 2010, my federal loans were transferred to FedLoan servicing with the specific purpose of being placed on Public Service Loan Forgiveness. I was placed on the wrong re-payment plan which made my payments toward Public Service loan forgiveness ineligible. At no time was I informed which repayment plan I was enrolled in or told which repayment plan I needed to remain in compliance with as part of the program. By the time the issue was corrected a nd was placed on the correct plan, I lost 3 years of eligible payments, even though I have made every single payment consecutively and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CITIBANK, N.A. (DE).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I do not have middle name/initial or lived on XXXX XXXX in no part of the world ...

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 02/28/2016 about Credit card () with DISCOVER BANK (LA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I contacted this company about fraudulent charges on my Discover credit card back when i first got the credit card. I have n't made a single charge on the card. They told me I 'm not liable for any unauthorized charges on my account. I have called several times since i been back in the USA. I went overseas around the time i reported the charges and i just got back on XXXX/XXXX/16 and I filed a police report and called Discover and gave them my police report number and they said they would remove the charges and send me a new credit card and they still havent did any of that yet and its been 2 weeks

Company response to consumer: Closed with explanation