milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/31/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I was a victim of identity theft in XX/XX/2015. Someone opened XXXX new phone lines and purchased XXXX iPhones and there was an attempt to purchase XXXX additional lines at another retail store but the clerk did not fall for the fake ID. I disputed the inquiries and accounts and placed a security alert. Both companies involved investigated and it was determined that someone had used my identity to make the purchases. I received letters from both companies and forwarded them to the credit reporting agencies and I believed everything had been removed. Recently I realized that XXXX XXXX XXXX is still reporting a hard inquiry on Equifax. I again disputed this and received a notice from Equifax that this was investigated and determined to be factual. I have a letter from XXXX XXXX XXXX specifically stating that it was determined that there was fraud and that XXXX XXXX XXXX had also notified all three agencies to remove any negative information from my credit report. I do n't understand the investigative process ... ... ..I am forwarding the letter from XXXX XXXX again to Equifax as I do n't know what else to do. I wonder if they even investigate at all. This all happened over a year ago and I am still having to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo home mortgage continues to use " mortgage backed security '' as an excuse to deny us any further help and acknowledge that the loan terms and structure of the loan modification that we were forced into signing on XXXX XXXX 2010 and if we did n't, they threaten us with foreclosure. They keep assigning different representatives that claim to research our concern and dispute, we always get the same response that theirs no evidence of any wrong doing by Wells Fargo Home Mortgage or its investors. So for the past five years we have been paying interest only to Wells Fargo Home Mortgage and current still have an Adjustable-Rate Mortgage ( ARM ). Wells Fargo has made it difficult and impossible for us to repay them and currently forcing us into foreclosure again. We have been targeted, abused with all these practices from Wells Fargo Home Mortgage. Wells Fargo Home Mortgage claimed to help us under the program Making Your Home Affordable but did the " BAIT AND SWITCH " on us with this XXXX loan with step Rate - Interest Only. We have been targeted since the beginning because we are XXXX and live in a city which is predominant XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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 wrote two letters to this company last XX/XX/XXXX and again last XXXX XXXX, 2017 to dispute incorrect and inaccurate information on my credit report. They are claiming that they did their investigation but there incorrect and inaccurate pieces of information are still on my credit report. They are reporting unverifiable information from my credit report and it has been more than 30 days and no lawful action has been taken. I have enumerated all the items and what 's making these items incorrect and inaccurate on those two letters. Today, I am writing them another letter which is attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Bank account or service ((CD) Certificate of deposit) with WELLS FARGO & COMPANY (MN).
Issue: Account opening, closing, or management

Complaint: My aunt is XXXX years old and has been banking with Wells Fargo bank for years. She is a " XXXX '' customer. My aunt assigned my sister and me as her POAs a few years ago. Until about a year ago, my aunt has handled all of her own affairs with minimal assistance. Last year she moved into an assisted living apartment. I went to Wells to get info on my aunt 's accounts so I could set up budgets. They would not honor the POA unless my sister and I were there together. I have had NO problem with any other organization, getting information about my aunt once I have provided them with the POA. Last week, my sister flew in from CA and we went to Wells together to get information. What we were asking for : ( 1 ). that I could inquire about my aunts fund. ( 2 ). I could negotiate rates on her CDs. We were told that Wells Fargo would not honor our POA. My aunt, at XXXX, is very suspicious about any request about her banking. I have been told by her nurse that this is very common in the elderly. I do not want to upset her. I do not want to tell her that Wells Fargo is taking advantage of her. She believes that she is a XXXX customer and that they are taking care of her. I do her taxes annually and see her CD income. Last year on approximately {$90000.00}, she received & lt ; {$50.00} interest. I was told that my aunt 's CDs are on auto renew so she receives the published rate. Right now that rate is .05 %, my local community bank is paying .40 % -1.3 %. This is how they take care of their " XXXX '' customers? I see why they do n't want me coming in negotiating rates for her. In my opinion, this is XXXX Abuse! The second part of my complaint stems from the actual POA. I gave it to the personal banker to send to their legal dept. I remember it sitting on her desk, right in front of her. When we left, I forgot to take the POA. I called the next day and the personal banker told me that she gave it to me. She had n't. I had brought XXXX folder in with me and it was not in there when I left. She told me that she was n't in that office today that she would check on her desk when she got back there. I called her manager to complain. He told me that she would have locked it in her drawer, and they would call me Monday. I called them on Monday and the personal banker was out. I called back today and left a voice message with the personal banker, no returned call. I called a XXXX time and her voicemail account was full. I am very frustrated and now have to pay for another copy of this document from my aunt 's attorney. I am just trying to be an advocate for my XXXX year old aunt. I do not want any access to her money, other than inquiry and the ability to advocate for higher CD rates for her. I do not want to upset her and drag her through this process. I do n't want her to know that she is being taken advantage of by an organization she trusts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Payday loan () with Risecredit, LLC (WI).
Issue: Charged fees or interest I didn't expect

Complaint: The company deducts interest from partial principal payments when paying scheduled installment payments. 

The company does not have a means for consumers to make payments to principal balance only. 

The company does not honor its loan agreement. The loan agreement clearly states partial principal payments will not incurred interest ... .Please see attached loan agreement

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (NJ).
Issue: Managing the loan or lease

Complaint: Constant phone calls to unauthorized members of my family. They are leaving voicemails on their answer machines when I have reported them multiple times and have asked them to please stop. They refused to listen.

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 non-monetary relief
Consumer complaint received 09/27/2016 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Illegal collection whereas ECMC garnished my wages for the XXXX time within two years without notifying me, validating the debt or allowing a consolidation, as the law states prior to an order of garnishment, for ECMC was made aware in 2014 when the debt was release. even though the debt was removed by the department of education removed from my credit report and resolved in 2014 by ECMC, this company refiles the paper work to start the process again and refuses to acknowledge the laws concerning consumers rights, this type of collections tactics is causing financial hardships, putting my housing and employment in jeopardy. Two years ago they attempted to garnish my wages and was forced to release the garnish 4 weeks after I complained, asked for information, provided them my current information and all collection attempts stopped and the garnish was released but now they are garnishing my wages under another collection agency without the proper notification required by the law and with no paper trail present this is invalid action since this action was halted in 2014 when this matter was resolved. This is harassment and unfair collection practices and needs to be resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CT).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XXXX, I 've maintained this Chase credit card account ( ending XXXX ) for over 15 years, although I did n't use it very often. I was offered a Promo ( teaser ) Balance Transfer offer, which I took advantage of. Coincidentally, shortly thereafter, due to lack of use, I was informed that the account was going to be closed - which it subsequently was. None-the-less, I had borrowed the money and was in the repayment stage. Here 's the problem : According to the Cardmember Agreement which I 've had on file since XXXX, I was obligated to pay principal of at least 2 % monthly ( plus interest, if any ). For repayment of this loan the bank was charging me a 5 % monthly. I called and spoke with a supervisor, who directed me online ( while we spoke on the phone ) to a more recent Cardmember Agreement. That agreement stated that I owed 1 % plus interest ( 2 % is reasonable and what I believe I ought to pay each month ). He told me that he nor anyone could change the 5 % requirement. During the conversation the supervisor said he 'd send me a copy of the agreement. I told him that was unnecessary since I downloaded it from the website he directed me to. He sent it anyway. Just received, the newest agreement XXXX computer generated and tailored to my account specifically XXXX states that I owe a minimum of 5 % monthly, plus interest. It disgusts me when a bank creates the rules as they go. Since my account is closed, my belief is that they want repayment as quickly as possible and terms-on-the-fly work for them. Further, they maintain a threat of sorts, in that they can adversely affect my XXXXredit score if I do n't pay the minimum they demand. Please fix this problem for me and others. THANK YOU, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan modification,collection,foreclosure

Complaint: During the big bank bailout, Bank of America took over Countrywide mortgage and my loan..Before a balloon payment was due I called the bank to see if I could make a loan modification. Then the process began which went on for months. At first, a regular payment came due and I made the original payment and it was returned to my account. They refused the payment. I let XXXX XXXX know and we continued with the modification. At this time, Bank of America was turning in bad credit on my account. I told XXXX and she told me that the bank would make it right after we finished with the modification. I got a notice that I had to make XXXX Trial Period Plan payments of {$640.00} and these are the payments for XXXX, XXXX and XXXX 2015 that they are saying I did not make. They did not apply this to my loan until all XXXX payments were paid. They then added XXXX dollars for interest on the loan. I then received a notice that the monthly payment would be {$720.00}. On the same notice they wrote " We appreciate your cooperation and look forward to taking the final steps to providing you with affordable mortgage payments ''. No time during this process did I talk to anybody about this loan. It was dictated to me from beginning to end. During this time we got a notice that we could not talk to XXXX about this loan anymore. We had to talk to whichever loan officer who dealt with me when I called. I talked to XXXX loan officer about the payment being excessive and he said I had to wait for a year to even try lowering it. At this time we were dealing with another bank and they said our credit rating was destroyed because of these payments they said we did not make. I called their credit dispute division and they said XXXX had asked them to remove the bad credit rating. But they said they needed a letter from me asking to have it removed. I sent a letter and still nothing happened. I went to XXXX XXXX, XXXX, attorney, and they sent a threatening letter on our behalf. Still nothing happened. We received a letter saying we needed to sign an authorization form before they could deal with it. At this time, nothing has been accomplished with fixing our credit rating. I am still making regular payments of {$720.00} as dictated by the bank. They lowered the interest rate 1/2 %.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (TN).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: on X/XX/2017, i personally went into suntrust branch at XXXX, TN to open a business account with my ID, they told me i qualified for a promotion of {$200.00} bonus if deposit XXXX total within 30 days ( which i did, you can see from statement attached ), shortly after, i received my debit card and bank statement, without anyone notifying me or give me courtsey phone call or email, suntrust claimed fraud issue and closed my account, it caused me stress and inconvenience, not mentioning i wasted 1 hour at the branch epening the account. When i contacted suntrust for an explaination, they said they can not tell me reason but said decision is final. While i understand suntrust has the right to close my account, i do not appreciate the lacking of common courtsey calling me to let me know. This was my 1st time ever with suntrust, and poor customer service left a bad taste. I wont recommend them to anyone.

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 09/14/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XXXX I received a Home Depot bill reflecting charges of XXXX which I did not make or authorize anyone else to make. I contacted Home Depot on XXXX, spoke to XXXX, employee ID XXXX and told him the charges were fradulent. He said I would receive an affidavit within 7 to 10 business days. I never received the affidavit. 
I filed an online incident report with Fresno County Sherrif office. 
On XXXX I received another Home Depot bill reflecting additional new charges that totalled XXXX. I contacted Home Depot again and spoke to XXXX, employee ID XXXX. I told him I did not make or authorize anyone else to make these additional charges and had not received an affidavit. He said he would send a new affidavit in 7 to 10 business days. I never received the second affidavit. 
On XXXX I received a letter from Home Depot stating that I was responsible for all the charges. I contacted XXXX, a company that assists people who have sustained identity theft. This company was hired by my previous employer because they had a data security breach. 
Together XXXX and I contacted Home Depot ( CITI Bank XXXX spoke to XXXX, employee ID XXXX and explained the situation to her. She said she would transition the fradulent charges to a fraud account, send an affidavit and I should receive it within 7 to 10 business days. I never received the third affidavit. 
On XXXX I contacted XXXX who advised me to file a complaint with CFPB. I do not have access to a scanner to scan all documents. I would like the opportunity to include more documentation.

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 04-03-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian refused to provide Credit Score to lender XXXX XXXX XXXX, whereby I was refused a Home Loan. In addition the dispute requests are not entertained, and refusing to remove incorrect items from my Credit File with them. Some of these items are have already been removed from my credit file with Credit Reporting Agencies.

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 non-monetary relief
Consumer complaint received 09-12-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Despite numerous written requests for a detailed calculations, Navient refuses to provide me with documentation explaining why my IBR payments have increased 400 % despite no commensurate increase in annual income. I have submitted multiple IBR requests complete with payroll documentation to Navient, only to receive no change in decision or written statement from them explaining their actions. Their customer phone tree generally takes XXXX45 minutes to reach a live person, and then usually results in several transfers and a recommendation to resubmit an IBR application. Conversely, Navient sends emailed, written, and telephonic updates almost daily to advise when a payment is due to them. It is clear from this pattern of communication that Navient wishes to reap the profits from servicing students loans, while placing minimal attention towards their fiduciary responsibilities to loan holders and US government alike.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CITIBANK, N.A. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I recently closed my XXXX XXXX XXXX account, after which XXXX XXXX XXXX requested a credit report without my authorization ( for reasons unknown to 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 08-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SECURITY FINANCE CORP (NM).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have a loan with Zia Finance. I told them a couple months ago that I would pay them as soon as I could. My wife is XXXX and to us paying her XXXX bills is our priority. They constantly call my wife, all my references, and myself at least 10 times a day. They call back to back non stop. I have told them before not to be continuously calling because I am at work and can not speak on the phone. They continue to harass me. They have called my boss before and I told them not to be calling him. Today XXXX/XXXX/2015 they showed up at my work and told my boss that I owe money and they cant get a hold of me so they need all my information. On Friday a woman showed up to my home, like they do everyday, and my wife had a sign on the door saying that our newborn was sleeping and not to knock. The lady started knocking as loud as she could and my wife went to the door and asked her if she read the sign because she woke up the baby. The lady said " Yes I read it but I do n't care, XXXX needs to pay his bills ''. The lady then threw the paper stating the amount owed in my wife 's face. My wife went outside and told her to leave. She went to sit in her truck and said she did n't have to leave and just kept repeating " Tell XXXX to pay his bills ''. My wife also mentioned that whoever came by the day before tore our screen door trying to shove the paper into it. She then stated that " If XXXX paid his bills that would n't happen ''. I am being harassed by them everyday. They told me they are allowed to call and show up as much as they want!

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. (NV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: During the period of XX/XX/XXXX through XXXX 2017, Equifax allowed consumer data to be compromised and accessed by unauthorized parties. Due to the security breach, my social security number and other personal financial information have potentially been proliferated into the possession of scammers and criminals. A company whose business is to keep record of your financial history has a duty to safeguard that information on behalf of the persons from whom it is collected. Equifax failed in their responsibility, inevitably causing material financial harm to those effected.

Company response to consumer: Closed with explanation