milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015 I sent the following letter to Wells Fargo in XXXX XXXX, Iowa requesting detailed information about my escrow accounts : XXXX XXXX, XXXX : Escrow DepartmentWells Fargo Home MortgageXXXX.XXXX XXXX XXXX, IA XXXX Sir or Madam : I request a complete and itemized break down of my escrow payments withheld from my WF mortgage payments going back to the very beginning of our association. 

Please include in your letter ALL escrow you have charged me, including property tax escrow and their individual and separate totals to the present date. 

Please include an itemized and dated list of ALL charges related to escrow of all kinds and any pertinent copies on this subject. 
I expect a reply in letter form within 10 working days. 
Thank you in advance for your time. 

XXXX XXXX XXXX XXXX XXXX, PA XXXX & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; & gt ; I mailed that letter to Wells Fargo on XXXX XXXX, 2015. 
Federal law states that I have a right to a reply within XXXX working days, XXXX XXXX, 2015. 
On XXXX XXXX, I got a letter from Wells Fargo telling me they would reply XXXX XXXX, 2015. As of XXXX XXXX, 2015 I have not received the requested information PERIOD, let alone within the time limit. 
I demand that Wells Fargo BE SITED AND FINED FOR THIS VIOLATION, and I be compensated for the violation of my rights. Wells Fargo had a long history of illegal violations. The Consumer Financial Protection Bureau has been informed of their practices and have done NOTHING at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
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: On X/XX/2017 XXXX XXXX XXXX submitted a request to delete the account they are reporting to Equifax due to it being a fraudulent account. Despite XXXX XXXX XXXX requesting the item be deleted Equifax is still reporting the information. I have included a copy of the complaint filed with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I experienced a potential identity theft which was made evident when I tried to file my Federal Income taxes electronically on XXXX XXXX, 2016. The IRS told me there was a duplicate submission for my SSN, and I had to follow an alternate filing process. I established a 90 day fraud alert with the XXXX credit bureaus per IRS instructions. I erroneously also added a credit freeze at Experian, which I am trying to remove. The problem is that I ca n't talk to anyone at Experian and they will only ; let me unfreeze the freeze by using their automated system and paying a fee. I read on their page that there is no fee, in my state ( NY ), if the person is a victim of identity theft. I have been trying to get in touch with them for over a week now ( via their web site and email ) and there is no response. It 's like they are a monolithic corporation. It 's not so much the dollar amount, but the principle of it. .... the law allows me to unfreeze my credit at no charge, yet Experian is making that virtually impossible. By the way, they provide no individualized email or phone customer service, from what I can see. Hopefully, I am wrong about that but, that, in itself, is alarming. What about people who have more serious problems? Thank you

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 06/30/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AK).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My card was delicned last friday! I evidently missed mays payment of {$150.00}. I sent {$200.00} thinking that covered it. Why, I was not using my card. it had been shut off due to some type compromising in the system. So I was using my wells fargo card all month. 
Then you sent a new card finally. Then the chip did not work. more declining! So I had just got the new card when it was declined again while in new mexico. IF you research my account history, I charge up to {$3000.00} a month average and pay in full each month. so you shut off my card for one small amount during a period of issue after issue with my card. 
So I called again today. wait many minutes to get thru your disgusting automated service. Finally get a supervisor and am once again assured my card is fine. Prior to that I tried the chat to absolutely no avail. She kept asking me when I was going to pay our second card that is not due until XXXX XXXX, or there a bouts. 
so I went to XXXX today, and card declined again 3 hours after being assured it was all cleared up. 
I have had at least XXXX cards issued me in the past 1 year due to BOA saying my card was " compromised '' I have to keep changing my auto pays! 
When I call in, it takes up to 15 minutes to get thru the automated system to finally arrive at a human. I charge an average of $ XXXX monthly on XXXX card and almost the same on a second BOA card. And I get this kind of service and card shut off for what they said was {$25.00} outstanding balance. and that was a late fee! 
I have many others tell me the same thing going on with their BOA visa. There must be some internal issues with BOA! 

thank you

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 07/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Signature Performance Tiburon, LLC (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Consumer received a 'dunning ' letter from Signature Performance Tiburon LLC , XXXX XXXX XXXX, XXXX NE XXXX dated XXXX XXXX 2015. XXXX responded to the letter by sending back a dispute letter 'certified ' return receipt ( # : XXXX XXXX XXXX XXXX XXXX ) on XXXX XXXX, 2015. SIGNATURE PERFORMANCE TIBURON LLC, is denying consumer due process of 'written ' notification within the XXXX ( XXXX ) day timeline allotted consumer under the Fair Debt Collection Practices Act ( " FDCPA '' ) by not picking up the letter from the post office in a timely manner. Consumer has tracked the letter which is still waiting to be picked up from a XXXX Post Office. Consumer has added all 'written ' and tracking verification to this complaint to prove consumer 's position in this matter. By not accepting consumer 's dispute letter, consumer is being denied 'due process ' under federal and state law regarding debt collection practices and the FDCPA, FCRA and FTC XXXX Consumer is making this complaint to your agency as a form of administrative process that will verify consumer 's position in this matter should it be necessary for consumer to pursue a civil lawsuit. Consumer will have proof of consumer 's concern as reported to the Consumer Financial Protection Bureau ( CFPB ). Thank you for providing this venue as documentation. It is greatly appreciated.!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Debt collection (Non-federal student loan) with Allied Interstate LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I currently have a defaulted PRIVATE student loan that originated with XXXX XXXX XXXX. The loan was generated around 2003. After completing XXXX semester of school, I decided to join the military in support of XX/XX/XXXX. I am now medically retired and am XXXX. I am in the process of trying to purchase a home. After meeting with the mortgage company, it was brought to my attention that this debt is preventing me from an approval for a VA loan to purchase a home. The defaulted loan is reporting to only ONE credit reorting agency. I was also informed that the loan has since been sold to XXXX ( whom this complaint is being filed against ) but is being serviced by Allied Interstate. I contacted Allied Interstate to set up a payment plan and was told that they could not accept the terms I brought forward to them and would be unwiling to work with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/23/2015 about Bank account or service (Other bank product/service) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: I have been contacted by representatives at US Bank regarding a Reserve Line I have that was closed by US Bank and is in pay down status. The amount on the Reserve Line was {$1500.00} and was closed a few years ago and still owe {$720.00} mostly due to Fees and Interest. In 2015 I have been assessed Fees of {$140.00} and Interest of {$100.00} just in 2015 alone. I called US Bank and was quickly transferred to a representative and explained my financial hardship and was told fees and interest could not be reversed. I feel I have paid thousands of dollars to US Bank in Overdraft, Fees and Interest over the last twenty years that the US Bank representative should have negotiated a pay down balance to {$400.00} and I would pay off the balance over the course of a year. I am currently between jobs not by choice but because I am not able to find work. I am trying to get on Social Security XXXX to get my life back. Right now times are hard for me and US Bank representatives are making it more difficult.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Prepaid card (Gift or merchant card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Fees

Complaint: I enrolled in American Express has premier shipping plan with a fee of XXXX $ so that I do n't need to pay shipping charges. I enrolled in 90 day trial. They are not supposed to charge during the trial but they charged XXXX $ when I called them they said they will refund the fee when I cancel within 90 days. 

I cancelled my plan within 90 days but they did n't refund my charges. When I called them to cancel they said they will refund in 15 business days and now it is past 15 business days and when I called them again ( I was waiting on the phone for 90 minutes ) they are saying they need to reprocess the refund. I am not sure whether I will really get the refund. 

There are two problems1. They are not refunding in timely manner ( they already crossed the time they mentioned in terms and conditions ) and I am not sure they will refund me. 
2. They are not supposed to charge during the trail but still they charged my account. 

I spent lot of time to track this and I am looking for compensation for my lost timeMy case number with AMEX is # XXXXMy order number that contains the Premier shipping charges is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (Credit card debt) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: USAA Savings Bank sold ( 4 ) accounts and the debt associated with these credit cards to the XXXX XXXX, aka XXXX  XXXX. These cards are not mine and were opened as a result of identity theft and fraud. I have never used these cards and have never had them in my possession. I notified USAA as such. I also provided USAA proof that I was a victim of identity theft and each of the three credit bureaus froze my account and placed notices of such therein. XXXX XXXX is now contacting me attempting to collect on the fraudulent accounts and obtain money under false pretenses. I have asked that they provide the same supporting information on which USAA relied to make their original claim, but to date they have not responded. I hold USAA and XXXX XXXX liable as they are both in violation of FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Received an alert from my XXXX monitoring service XXXX that Equifax was reporting hard inquiries on my Equifax report. I tried every means I could find with Equifax to resolve the problem. Equifax refused to display my report online ( ordered mail ) and all phone numbers and web links were inoperative. Viewing my Equifax report through my XXXX monitoring service shows a large number of " hard inquiries '' on Equifax entered on XXXX -- more than a dozen. Because these represent the possibility of accounts being opened in my name, I am trying to dispute the inquiries which I did not make. But Equifax is totally unreachable by telephone or Internet. I am VERY concerned and turning to CFPB for help. How can Equifax continue to put out my information, but be totally unavailable to account for their action.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (MI).
Issue: Managing the loan or lease

Complaint: I have completed all payments toAlly Financial. I have called Allytwice to report that XXXX isstill reporting that my account is stillopen and owing XXXX It has beenover two months and this is still notchanged on my credit report. Allyagrees that the account is paid infull. I would like Ally to contactXXXX XXXX and report my accountas paid and closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I ended taking a year off for my own mental and physical well-being. This happened during the entirety of XXXX. Now, as it was, my grace periods expired during that time, and it reflects as me being delinquent I believe past 90 days on a host of my different XXXX Student Loan Accounts. 

I came back to school in XXXX and graduated in XXXX of XXXX. I then did everything I needed to so as to reflect this on my credit report. However, it has proven very tough to get these " delinquencies '' removed. I am self-employed, and am currently working on fixing my credit. I was young, silly, and very financial uninformed, and unfortunately made a lot of mistakes that I accept. However, something like this is making it real hard for me, as a self-employed individual, to rise up from the ashes. This is something I can not have affecting my financial position, especially considering that I intend to pay off the entirety of my student loan amount. I was just unfortunately caught up in a real unfortunate situation and I would like your help making this right. 

I was a first generation XXXX student on almost a XXXX. I sadly did not have anyone to guide me financially during the times I made my financial mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Debt collection (I do not know) with Focus Holding Company (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call from XXXX saying they were a debt collector and I needed to call them. The call was to my business line and we do not borrow money. I called them back and they claim to have removed my number, but why would they call me in the XXXX place?

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: To Whom It XXXX Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. Box XXXX XXXX, GA XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It XXXX Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XXXX/XXXX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX IS NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to XXXX U.S.C. XXXX ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item XXXX XXXX ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( iii ). You are bound by XXXX XXXX to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Experian has not investigated nor notified me of disputed medical collections on my Experian report. 
I have tried multiple times to provide proof that these are legitmate bills owed, they fate back to 2013. 

Experian has failed on multiple occasions to provide any information on XXXX XXXX $ from 2013 XXXX XXXX {$2000.00}

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 03/27/2015 about Credit reporting () with Second Round Limited Partnership (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX Bank # XXXX - SOLD to : Second Round LP Acct # XXXXThis account is not even my account. It is not a credit card account. This account was a cash advance account for my mother ; her name was XXXX. She has passed away. When my Mother became unable to take care of herself and we put her in a XXXX, in XXXX, CA. I took over paying her monthly bills and her upkeep. I had all of her mail and bills sent to my house in care of me. I was never a co-signer on any of her accounts or checking account. I DID pay the XXXX account payments as well as with all of her bills. After she passed away, I stopped paying her bills, as she had no remaining assets. 
I had inadvertently given some clerk at XXXX Bank my Social Security number to prove the account was n't mine and they agreed. Then " someone '' at XXXX then used it against me to put it in my name. My name appears nowhere on this account other than a mailing address for payments that I helped her in the last few years of life. I have written XXXX numerous letters with no results. They have since sold this account to a collection agency, now they report this account in my name as well ( *Second Round LP Acct # XXXX ) Please help me get both of these accounts off of my credit report ... they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have a loan through XXXXNavient. They call me several times a day, often once an hour or every couple of hours. I consider this harrassment and I would like it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed inquiries that were not made by me, however I have not heard back from them. I will attach a copy of my credit report from XXXX XXXX ( XXXX/ Equifax ) each hard inquiry marked in was infact one I allowed. All other visible inquiries are ones not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Consumer Loan (Installment loan) with Universal Account Servicing, LLC (CO).
Issue: Managing the loan or lease

Complaint: In XXXX of 2015 I took out a loan on a 18 month contract. They have been deducting {$110.00} every month for the past 16 months. There was a balance of XXXX payments. I got a letter that XXXX payments were due. I sent them a letter that are not permitted to debit my account any more. I have various letters from them stating that I owe them XXXX payments. I have ask them in several letters to show me where I owe XXXX payments. The last payment would have been deducted in XXXX of 2015. I have a contract that states the begin date and the end date. They never answer me they keep sending me a bill. The last letter I received, the stated that they have been trying to contact me at a phone number in XXXX. I have lived in XXXX for 20 years. My phone number is on the contract. I understand that I owe them XXXX payments, they will never answer my letters explaining why I owe them XXXX payments. I have letters they have sent me and my responses.

Company response to consumer: Closed with explanation