milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: We pai d Wells Fargo {$ 350.00} on  XXXX  .17 to b e applied as follows : {$200.00} for balance transfer fees and {$140.00} as the 2 % payment of the account balanc e. Wells Fargo ref used to do that, instead allocating funds as they saw fit thus making the following months payment approximately quadruple what it should have been. It was our first payment with them.     Since that time we have been subject to stonewalling, lies, inane and anemic squitter and been cut off from addressing the e-mail chain on the subject. On  XXXX  .17 a t  XXXX    XXXX   their representative  XXXX   XXXX  attempted to paint their actions as 'per the account disclosure ' ( which is false ) while at the same time suggesting that WF had no interest or responsibility in honoring our payment allocation instructions . (   XXXX   ) Th is represents fraud by  Wells Fargo an d we wish the CFPB to use whatever putative measures at its disposal to help prevent this insidious practice from happening in the future.     We will use their account for the 0 % interest period then we will move our business elsewhere. We will also close out ou r 401K with t hem 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 04-04-2015 about Debt collection (Credit card) with CITIBANK, N.A. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX of XXXX XXXX Ca charged me XXXX XXXX times ( Same item ) Called and reversed XXXX charge. On XXXX daughter XXXX XXXX XXXX, XXXX NY was charged also.This is for me and bought for me by family members I agreed to pay after second yr.Mailed proof to XXXX charges XXXX reversed as of XXXX. Someway Sears card ( CITY BANK ) got into this after I already had a reversal and charged me again on XXXX.Do n't know how sears got into this since I got a reversal of charges on XXXX. Rcd letter from Sears Credit services on same day that another charge was posted on my card. Owed a charge back. 
Charge card showed all transactions clearly. Do n't they ever proof read their bills, especially since I brought it to their attention. 
I wish that XXXX XXXX and Sears Crdit compensate me for this hilarious and confusing billing. Send a rebate for all charges, including original, refund my daughter fo billing her.Send a carton for shipping item back. At that point I will go elsewhere for an alert system. All charges amount to about XXXX ( Plus aggravation that never seems to end. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/26/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The following agency is not bonded in the state of Texas, and can not legally collect debt. Please remove from my credit report and confirm that the debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX CREDIT REPORTING AGENCY FAILED TO REPORT THE CORRECT INFORMATION ON MY CREDIT FILE FROM XX/XX/XXXX TO XX/XX/XXXX. THE AGENCY HAS STATED THAT TODAY XX/XX/XXXX THERE ARE NO ACCOUNTS, WHEN THERE ARE CURRENTLY THREE ACCOUNTS NOT BEING REPORTED.

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 06/16/2015 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: PennyMac purchased my mortgage from my original lender a few months after I purchased my home in late 2013. Since then I have experienced numerous issues with Pennymacs loan XXXX They overestimated in XXXX year and underestimated in the next year the amount of money I would need in escrow to cover my mortgage and property taxes. This put a significant strain on my finances when I realized that my new monthly mortgage payment would be nearly {$400.00} more per month than it had been at the origination of my loan and XXXX later my payment due skyrocketed from {$1400.00} a month to {$1700.00} a month. I was made aware of this a month before the new payment was due which is not a significant amount of time for any household especially a single income household. This put a significant strain on my finances. In addition I 've noticed in the last XXXX months that even though I mail my payments in a week to two before they are due, because of PennyMacs extremely slow payment processing times they always process my payment after the due date and punish me by charging me a late fee when it is not my fault. Even when I mail in the payment for the monthly payment and late fee the next month it will show that the late fee was never paid. When clearly the checks I 've been mailing are for significantly more than the minimum payment due. And I specify on most of the checks that the late fee is included. These predatory lending practices are unfair and I could see them leading to loan default for most consumers if an adequate financial cushion is n't maintained on a monthly basis to cover for Pennymacs deceptive loan practices.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (I do not know) with I.C. System, Inc. (DE).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received any kind of notice.. not sure what this is for. I found out about this through 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 10/19/2017 about Mortgage (FHA mortgage) with MONEY SOURCE, THE (NY).
Issue: Struggling to pay mortgage

Complaint: My mortgage company money source continue to denie my loss migration application I have provided all supporting documentation that is required. I received a call on Monday from the money source and flat out told he is denying my application because he see no point in approving it because I need to make more money. I explained to him I was told by a worker name XXXX to make partial payments of XXXX monthly I have been honoring this agreement to present date. OnXX/XX/XXXX/17 I was notified by payment was return when I called I was told there is nothing I can do and hung up on me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I notice that someone a bunch of inquiries was made on my credit reports without my consent. I have contacted the companies, but I want to ensure those inquiries get remove from my credit report.

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 01-09-2016 about Debt collection (I do not know) with SQUARETWO FINANCIAL CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was in middle of buying a home and the title company found a judgement against me that was n't on my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (MA).
Issue: Can't stop withdrawals from your bank account

Complaint: I received an offer for a loan from bigpicture loan company. I applied and was approved for a {$800.00} loan in XXXX of 2017. I needed the money for XXXX shopping. I am not sure if the details of the loan, ( interest rates, monthly payments ) were on my application. After reading the fine print after I received the money, I discovered that I was paying 684 % interest and would pay back {$5100.00} on a {$800.00} loan to be paid in 22 monthly payments of {$190.00}. I am on ss XXXX and can not afford this. I truly believe the company took advantage of me in my time of need. I did make my first payment ( direct debit ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I just got a credit report from all XXXX credit reportsXXXX, experian and XXXX and my credit score went from XXXX to XXXX, all XXXX companies are telling me is because i was late on XXXX mortgage payment past 30 days with XXXX, which is inaccurate, i have never missed a payment, with my current mortgage or past ones, they also telling me i have XXXX credit cards, i do not believe i have applied for that many credit cards, that is not accurate i only have XXXX personal loan XXXX credit cards and XXXX mortgage, i dont know where they getting XXXX cards from. All XXXX credit bureaus are telling i have made a lot of hard inquiries, which i have not. Can you please investigate this matter, i have work with the XXXX for 13 years and i 'm also a veteran and i work very hard to get my credit up that high to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am reporting JP Morgan Chase and XXXX XXXX XXXX. I was told by Chase from the last complaint that I would not be contacted by The XXXX XXXX again for collection and that my account with XXXX was updated as said in the letter from Chase attached. However, mailed out XXXX XXXX, 2015 and received by me a few days ago was another collection notice from The XXXX XXXX. This is also attached.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Payday loan () with Delbert Services (NY).
Issue: Payment to acct not credited

Complaint: I never received the loan and the customer service agent was could not find the loan information in the computer database, but then another customer service agent was able to find the loan in the computer but said that I had to fill out another application, but the loan information showed up on my XXXX report. When I tried to retrieve the loan the customer service agent said the loan information was not in the computer. He did not have any information on the loan and said that I just have to start the process over, but when I called back at another time, another agent saw the loan in the computer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (AZ).
Issue: Struggling to pay mortgage

Complaint: Bayview Loan Servicing and XXXX XXXX XXXX Mortgage Servicer the Master Servicer HAS VIOLATED SEVERAL BANKRUPTCY LAWS AS WELL AS federal and state laws when providing responses to multiple complaints filed through the Consumer Financial Protection Bureau. Bayview Loan Servicing and its employees provided multiple fraudulent documents including a fraudulent deed with wrong dates. In providing these fraudulent fake documents as authentic Bayview Loan Servicing llc has violated federal and state laws. In providing these multiple fraudulent fake documents in attempt to deceive Bayview Loan Servicing has also failed to truthfully respond to several Qualified Written Request made by us through the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: To whom it may concern I would like to file a complaint regarding A mortgage modification from caliber home loans. I have been trying to get a home modification ever since XX/XX/XXXX when our mortgage was with XXXX. Since then my mortgage was transferred to XXXX then XXXX. In XX/XX/XXXX XXXX granted us a trial modification. We completed the trial modification on time and everything was fine. As we completed the trial modification our mortgage was sold to caliber home loans however they did not grant the modification. They kept telling us that they need more paperwork and more paperwork. However we kept sending them paperwork we then we 're given a date for foreclosure which we had to file for bankruptcy while we continue to wait for a modification. After years of trying to get a modification we seek help for funding from HEAMP and Pennsylvania house in the Authority assistance however we were told that we had an FHA mortgage so they denied us. They were only excepting conventional mortgages at the time. However recently within the past two weeks we found out when the mortgage was sold in the process to one of the different mortgage companies. We were switch from FHA to conventional mortgage. We are still trying to get a modification with caliber and we are now working with a third-party ( XXXX ) because of the back and forth with caliber. We again had to file bankruptcy because they keep asking for the same paper and foreclosed on us again. The third party as well as myself cooperated and sent everything in. They said we only need XXXX more documents. We sent those in. They said the need XXXX more documents those were sent in. We have been going through this too long. We were advised to file a complaint and this is what we are doing. Our hands are tied we have no where to go and we need help and assistance. I have proof of my situation that I will be sending in. The documents attached are recent letters of how they keep asking for the same information that they told me they received. They also let the third party know that they received these items. They were sent by myself and the third party. So they should have duplicate information. Also I will show how I was giving a trial modification from SPS. These will be on the attached documents. I have been going thru this since XXXX. For 2 years I have been trying for a modification and have been giving the run around. I am working with a third party and it 's still the same case.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: debts were paid in full with one payment months ago and still show unpaid

Company public response: Company believes it acted appropriately as authorized by contract or law
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 WELLS FARGO & COMPANY (NY).
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: Wells Fargo 's executive specialist team, As you investigate my complaint as well as Florida 's attorney general request for a written response regarding this subject matter, please take into consideration the following facts : The Equity loan that your company is compelled to hold me responsible for originated as an instrument of the now outlawed Pick-A-Payment loan, which was then a requirement in securing the primary loan note ( one could not exist without the other ). <P/>After a six year lawsuit that I initiated back in XX/XX/XXXX, due to Wells Fargo reneging on their originating loan options and the predatory nature of the loan, I finally settled with Wells Fargo at the direction of my attorney with the stipulation that Wells Fargo would finally work to approve me for a loan modification unlike the the offer seven years ago that just offered the amount owed to be placed on the back of the loan in exchange for waiving my rights to bring suit against Wells, of course I declined. <P/>My Attorney suggested I settle based on two key factors : > As flawed as the terms were I was previously approved for a modification back around XX/XX/XXXX, at the same time Wells was found guilty of not modifying qualifying members like myself, a fact that was to be considered. <P/>> the equity loan that originated along with the primary note held the home as collateral and therefore as long as the equity loan was open and in place ; a foreclosure & sale was not imminent. <P/>What was not known at the time of the settlement by me or my attorney was that Wells transferred my home equity loan back in XX/XX/XXXX without my knowledge or my attorney 's knowledge releasing the home as collateral and allowing Wells to decline the Modification and foreclose on my home without obstruction, which they did. <P/>Although I asked Wells representatives multiple times to update my mailing address while I was working out of town they kept sending mail to where I was not so I never received any notification of any changes to my loan account and neither did my attorney who was to receive all notification related to my open suit, especially given the fact that the settlement agreement in which I signed included reference to the equity loan.

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 11-02-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OK).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: They have inaccurately calculated my income based repayment and then I made a payment and they are trying to make me pay another payment this month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-03-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is refusing to remove incorrect disputed item from my credit file, whereby I am denied Home Loan from lender, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: We shopped long and hard for the perfect lender. The lender, Quicken Loans, said our " profile '' was very competitive and we were in great shape. Then they rejected quite suddenly before sending our " competitive profile '' to underwriting. The reason they gave was " Collateral : Does not meet seasoning requirements ''. Does n't collateral refer to the house? They never even sent out an appraiser, and if they had, they would have seen that the house appraised for thousands more than the asking price. We have excellent credit, even after every XXXX, XXXX and XXXX lender has hard-pulled out credit records as of this morning we are at XXXX for me and XXXX for XXXX. Further, after rejecting us and while I was scrambling to find another lender Quicken Loans told my realtor that our loan had been declined after all this time since we received our letter of approval. I believe it was completely out of line for Quicken to inform anyone of our loan being declined. We are a XXXX couple and sensitive to the possibility that we might have been singled out as being unworthy of credit due to our XXXX rather than our proven track record of spending within our means. Meanwhile, Quicken Loans suddenly decided that the debts of our non-profit corporation are suddenly our personal debts. Our non-profit has fully appropriate small business debt and some vendor credit which it pays timely. The non-profit it its own entity having its own tax ID number, own bank account and books that are strictly and carefully separate from ours and it files its own taxes. If the debts of the corporation are suddenly our debts then what about the income of the non-profit, is that suddenly ours as well? If not, then why are the debts of the non-profit our debts? Why did Quicken Loans repeatedly tell us not to speak to other lenders because they would take care of us and then they dumped us at the door to the underwriting team 's office? Why did n't the underwriting team have a chance to review our documents? Can you tell we are frustrated? Here we are in a contract on an affordable home and suddenly we have no mortgage with no plausible explanation of why we were rejected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/21/2017 about Checking or savings account (Checking account) with U.S. BANCORP (MN).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I was charged  XXXX  overdraft fees becau se US bank de ducts the largest check first, as a policy described by the banker I complained to. If they had deducted the smaller check first, it would have cleared, leaving me with only  XXXX  overdraft fee. The banker stated they ALWAYS deduct the larger check first, obviously to generate more fees. I asked to start an overdraft protection account with them and they denied me. Those of us who incur an occasional overdraft are people without a lot of money and yet they squeeze us the most. This happened approximately 1 month ago.

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 01/14/2016 about Consumer Loan (Installment loan) with Delbert Services (TX).
Issue: Managing the loan or lease

Complaint: I closed an account with Delbert Services ( DBA XXXX ) on XXXX by authorizing payment to be made in full. The transaction is reflected in my checking account. On XXXX XXXX, 2016 I followed the XXXX guidelines for disputing an entry on my credit report. I sent the document via fax ( all receipts and confirmations available ) expressly requesting that the entry be disputed as their data as of XXXX of 2016 still showed an open account with a {$10000.00} balance. XXXX has refused to place the issue in dispute or make any changes. I am working to pay my bills but when XXXX and Delbert services throw roadblocks in my way and refuse to even communicate with me it makes it a lot harder.

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