milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-03-2015 about Credit card () with WELLS FARGO & COMPANY (CT).
Issue: Payoff process

Complaint: I have a credit card with Wells Fargo. At this time, I have three different promotional balance 's on my account. ( They offered special finance of 0 %, for 15 months XXXX Because they claim to apply extra payments to higher interest amounts XXXX, I mistakenly assumed they would add my extra payments to the promotional balance ending soonest. Having checked my last few statements, I see that is not the case. The majority of the money is being applied to the balances with the furthest out end date. When I contacted Wells Fargo, to inquire as to how I might stop this, so my extra payments will be used as intended, I was told that was not possible. I was told they had no way of applying the excess money to any one balance. When I pointed out that that is what they were doing, only in their favor, not mine, I just kept being told he knew how frustrating that must be! When I asked yet again, how I could have the extra money applied to those balances expiring first, he just kept telling me it was not possible. 
At this time, I have no interest charging amounts on this account, only these XXXX special finance balances, which are accruing no interest. I assume that is how they can get around applying the extra money to those amounts expiring the furthest out, but it still does n't seem right, because this will cause me to have to pay interest on these amounts, as they expire. If the extra money was being applied to those expiring first, each amount would be paid off before it expired, which was my intention. 
I would like to know if this is legal, and if so, why?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: the questions they asked me i answered them correctly to my knowledge ... and couldnt get report might be fraud

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2015 about Consumer Loan (Vehicle loan) with First Investors Financial Services Group, Inc. (CA).
Issue: Shopping for a loan or lease

Complaint: I received a letter dated XX/XX/XXXX from First Investors Financial Services , Inc. stating that my request for an Auto Loan Refinance was denied due to information obtained from XXXX, a consumer reporting agency. I did not, nor have I ever, requested an auto loan refinance with this company or any company. I purchased a new vehicle in XX/XX/XXXX and it is financed through XXXX and I have no intention of refinancing. I called the company today XX/XX/XXXX to discuss how this could happen, but was told they had no record of this under my social security number and that the social listed on the application was different, but they would not provide any further information. When I requested to speak to a manager, I was told I could not and that they would not provide any further assistance. I then requested my XXXX credit report to confirm if in fact an inquiry to pull my credit report did occur from this company and confirmed it had on XX/XX/XXXX. This is 1 ) an invasion of my personal privacy ; 2 ) damaging to my personal credit record/score and more importantly 3 ) a violation of the Fair Credit Reporting Act ( FCRA ) as this company had no right or legal " Permissible Purpose '' to pull my credit report. The whole purpose of this regulation is to protect consumers such as myself, so there must be action that can be levied against this company for misuse of their authority. I filed a dispute with XXXX today and have filed this complaint with the FTC and the CFPB in an effort to determine what I can do to prevent this from occurring again to myself or others. Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (I do not know) with CAINE & WEINER COMPANY, INC. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Someone used my credit card to charge for devices I did not. This was reported to the credit card company but the vendor has since referred this to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I recently filed a dispute with Experian regarding inaccurate information that they are reporting in my credit file that they maintain under my social security number. 

On XXXX XXXX, XXXX, Experian refused to adise me as to how they " verified '' this information since I expressed that I did not consent to electronic verification by any means. I also included to them a letter from XXXX advising they had removed the inaccurate information as well from their file they maintain under my social security. I also included a letter from the court advising they do " not perform any activities with the credit bureaus ''. I have included these letters withh this complaint. 
Having such correspondence from the court and XXXX, how could this account be " verified and/or validated '' by Experian unless they sent someone directly to the courthouse? They are refusing to explain to me their method of verification, and still continue to report negative information in the credit file they maintain for me.

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 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I was unable to dispute these new claims online with  XXXX . I was not allowed access using my credit report number. I did not request any personal statement. The personal statement " FILE FROZEN DUE TO STATE LEGISLATION. '' I want removed.     I want the  XXXX   XXXX  account that was closed in  XXXX  removed as well as the negative statment " This item was updated from our processing your dispute in  XXXX   XXXX .     I want the  XXXX   XXXX    XXXX   statment in the comment section removed : '' Account previously in dispute-investigation compelte, reported by data furnisher. '' These claims paint me in a negative light when I work very hard to keep my credit information pristine and accurate. Why does  XXXX  make it difficult or impossible to dispute and access my credit report online using a free 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 04/26/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NH).
Issue: Billing disputes

Complaint: On XXXX/XXXX/2015 Amex XXXX XXXX XXXX XXXX made an inquiry of my credit file with XXXX without my concent

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Student loan (Federal student loan servicing) with ACS Education Services (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Hello, I repaid the full balance of my consolidated federal student loan to Acs/XXXX XX/XX/2016. I have my original loan note, proof of payoff, congratulatory letter of repayment and proof of interest schedule showing I paid off my loan completely. However after many calls to ACS has not updated showing the loan as paid in full. Actually there are erroneous notes applied to my credit report saying that ACS filed with the federal government to have the insured amount of the loan repaid by the federal government to ACS. However I paid my loan in full. I believe it is fraudulent of acs/and XXXX to try and collect money from the federal government when I paid off the full balance ACS reported my loan as Negative/closed. However they need to change their notes to Paid in full /and closed on my credit report. The information on all credit reporting agencies have remained incorrect for over 12 months. My credit continues to suffer because they have not reported the paid in full status properly on my credit reports. Although I had been late on my loan prior, due to the lender not working with me on a payment structure, and divorce, I refinanced my home to pay off the full debt I owed ACS/XXXX including all interest owed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Due to the recent Equifax hack, which left over XXXX XXXX people 's personal data exposed and at risk, I have had to freeze my credit report with all three major credit reporting companies. The process of freezing credit reports cost me {$7.00} per company, or {$22.00}. I find it offensive and immoral that I need to pay the company that left my personal information unsecured in order to prevent identity theft, possibly for the rest of my life. Each time I intend to apply for a line of credit I will need to incur costs for each unfreezing and subsequent refreezing of my reports as well. The lifetime cost of this hack may result in loss of hundreds of dollars per individual.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (MN).
Issue: Trouble during payment process

Complaint: In XXXX I called spoke with a rep who agreed to cancel my auto draft for the XXXX and I would make the payment 1 week following and pay the {$40.00} charge. Well even after that my account was drafted and I rcvd XXXX $ XXXX XXXX/XXXX/XXXX RET ACH FEE $ XXXX_RCVD back XXXX/XXXX/XXXX RET ACH FEE $ XXXX_RCVD back XXXX/XXXX/XXXX RET ACH FEE $ XXXX_still waiting XXXX/XXXX/XXXX RET ACH FEE $ XXXX_still waiting Then On XXXX/XXXX/XXXX XXXX and I arranged my payment for {$2000.00}, I was waiting for a check to clear so the payment declined But the same day the check cleared I tried to reach XXXX but havnt been able to get in touch with her. Then on XXXX/XXXX/XXXX you guys drafted my account FOR AN UNATHORIZED payment for {$1000.00} XXXX/XXXX/XXXX RET ACH FEE because XXXX/XXXX/XXXX the payment of {$2000.00} tried to redraft and caused my account again to go negative and rcv that fee. 
I have been working with XXXX XXXX and now after numerous emails and numerous voicemails left for her and to return calls I am very upset. 
*Still waiting to receive {$35.00} from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX And now the most recent fee I need back for the UNAUTHORIZED PAYMENT on XXXX/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 11/20/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (PA).
Issue: Deposits and withdrawals

Complaint: I have a direct deposit account the Rush Card. On XXXX XXXX, 2015 i had a deposit into my account of {$1200.00}. I am missing {$300.00} out of my account. I deducted my transactions that were listed on my statement just to make sure, and i came up {$300.00} short. Now I am locked out of my account altogether and they are making it hard for me to receive my money. 
The bank that Rush card uses is XXXX XXXX XXXX, Ohio XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: APR or interest rate

Complaint: Capital One. I was told some time ago that they would lower my interest rate from something like 23 % to 20.15 %. They are charging me 20.4 % per XXXX a supervisor at Capital One. She says because the Federal Reserve Rate was increased. That should have no effect at all on my interest rate. I was told my interest rate was going to be 20.15 % for six months and now they need to go back and correct my account. There may be others as well that need to have their accounts adjusted. I never received a notice from Capital One stating that they were raising my interest rate. They have to tell me what my interest rate is under Federal Disclosure laws, they did not. This may be a class action lawsuit. Okay, so the Federal Reserve Rate is increased .25 %? They are already charging three times the Federal Reserve XXXX so the .25 % is better off in my pocket than it is in Capital One 's. Right now I have no money, have doctor 's appointments to make, and have to wait until the XXXX to get more money. I have attached statements showing my interest rate was 20.15 %. XXXX of the documents is awful looking, but you can see where they were adding interest to my account. At this time I had the card paid off by XXXX XXXX XXXX XXXX, where I get a much lower interest rate. Also, I am getting student loans now and they are about 4 %, I am trying to pay them off and just keep the cards for emergency only, and since the interest rate on this XXXX is higher than my XXXX Account, I will probably eliminate this card altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Other

Complaint: i ask chase credit card service to close my account ( all cards ) in XXXX..they refuse to close all of them..they lied that balance transfer were made, later to find out it was not true.now, they refuse to send my card to collection and it sits collecting fees, late charges, interest charges.i tried to make a settlement with them. XXXX.that was the balance when that card was to be paid off by another company. ( lied abt tthis card and they had the other company pay off a lower card balance, while lieing to me that all cards are closed .they intentionally made it very CONFUSING and having customer service from and in XXXX handle my calls about this..they are playing a scam o me to get this card in the XXXX dollars..i ask that someone do something to stop ths and the card go into collection.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My ex-husband, XXXX submitted a fraudulent loan modification with OCWEN Loan Servicing , LLC . on the property that I am co-borrower. The XXXX signatures on the paperwork are forged, I never signed or agreed to a modification. ( I was actually out of the State on the date that the papers were signed ). Per our divorce decree he is required to refinance the property to remove me ( not remodify ). XXXX knowingly submitted the modification with intent to defraud OCWEN ; however, OCWEN is allowing him to do so because they benefit from the fraudulent modification. The property went into default and OCWEN offered my ex husband a modification. There was never any type of hardship, and he should not have been offered a modification ; his income was {$150000.00} in XX/XX/XXXX and his overtime alone was {$35000.00} enough to have covered the {$26000.00} of late payments. OCWEN is allowing fraudulent servicing practices. I have tried several attempts to contact OCWEN to discuss this but each time I called they said that they were protecting their customer and could not discuss the loan with me ( my ex husband was allowed to remove my name as an authorized contact on a loan that I am co-borrower on ). I received a letter today ( XX/XX/XXXX ) stating that after their review they are doing nothing, stating the signatures are " consistent '' against other signatures. THE SIGNATURES ARE FORGED, OCWEN is doing nothing! I filed a police report in XX/XX/XXXX with the XXXX Department ( XXXX ) and it is currently with the District Attorney 's Office.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Prepaid card (Government benefit payment card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Fraud or scam

Complaint: I have Bank of America pre paid debit card that was issued to me from the XXXX and someone stole the information from the card, I believe after I used it at a gas station, and used that info to steal money from ATMs in a town north of XXXX where I have never been. They stole almost {$700.00} over the course of several transactions at XXXX different ATMs. Immediately after I discovered my bank account was drained to almost {$0.00} I notified the bank of the fraudulent transactions. After 'investigating ' BoA denied my fraud claim. I have never used the card at an ATM nor have I been to the places the cash was taken out. After they denied my claim the first time I filed a police report and an identity fraud report but the bank denied my claim two times. I am extremely upset by this and the fact that BoA is insinuating that I lied about this money being stolen from me.

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 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX/XXXX/XXXX XXXX XXXX reports invalid fraud lent information stating a address I did n't live within I also have proof to prove my report and also they reported I owe something to them but I do n't owe anything because I left due to domestic reasons and it was on the news. The original report was made back in XXXX/XXXX/XXXX but I am no longer even in that place and still putting unverified information on my report this information is not correct and not valid. Date of my last activity was not 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 09/17/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Payoff process

Complaint: I own a Chase Slate card since XX/XX/2014.My limit is XXXX dollars.My current balance i XXXX. I am never late with payments.At the begging when I got the card I was sending XXXX dollars minimum payments but I saw no change in the balance..so I started sending double the minimum payment. XXXX dollars a month.Still no change.So, I decided to send XXXX dollars a month.Still no change. I decided to call Chase Slate. Doing the call I was told that my minimum payment was XXXX dollars and my interest was 55 to 66 %, plus they have a fee of XXXX dollars a month that I was not aware of because it was not there when I got the card. That means that even tho I 'm sending way over the minimum payment, the fees and interest takes most of my money..so there is no money left to pay the minimum, so they hit me with a late charge and my XXXX dollars payment is like it never was. Doing the phone conversation with Chase Slate, the telemarketer suggest I should send XXXX dollars a month. I ca n't afford to do that.I think my XXXX dollars payment should be enough because my minimum is XXXX dollars.The interest is ridiculous, abusive and fraudulent. They are playing with my money and I am trap paying a bill that never gets paid even tho I am sending payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has failed to properly secure more than enough information needed to steal my identity and left it vulnerable all in one place. After this they failed to notify me of it for 30 days. I have not ever used Equifax directly however they still have all my personal information and have failed to secure it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I am currently working on refinancing my home with XXXX XXXX and have run into a problem with the existing loan from Bank of America. XXXX XXXX ran my credit report and informed me that the loan dose not show they called Bank of America with the loan number I provided and where told the loan had been written off. My concern is that this may hinder my ability to get refinancing. In 2012 I did file for bankruptcy and retained my home I have been making payments to Bank of America since 2012 apparently without it reflecting on my credit. I have asked in the past about reaafiming the loan and was told I did not have to or that Bank of America did not want me to. My concern is that I will not be able to refinance my house and I was hoping to get funds from some equity I have built up. Any help in this matter is greatly appreciated.

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 11/18/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: This is an addendum of complaint # XXXX regarding Equifax. I am entitled to a free credit report and after FINALLY finding the location to request a copy of my report and being told to call or write to access my report I called their phone # where I was told to send a copy of my XXXX, Social Security card, a pay stub, drivers license, utility bill, my name, address, social security # and date of birth. Yet, if I want to purchase a copy I can gain 24/7 access in 5 minutes. This is NOT RIGHT! I, as a consumer, should not have to bare a more burdensome means to obtain a report that I am legally entitled to receive, than for that which consumers can pay for and access in 5 minutes.

Company response to consumer: Closed with explanation