milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-05-2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The loan is through Wells Fargo. I am the co-signer. My son has been under employed or unemployed for nearly 3 years. As the co-signer, I am keeping the loan current. However, I have asked Wells numerous times to send me a billing, allow me access via on line or something so that I know what is due and when. They say I need to have the primary account holder change the address or take other steps. They acknowledge that my obligation is not activated until it is past due. However, they call me when the account goes 10 or 14 days past due and then hit me with a $ XXXX {$30.00} late fee. It seems unfair that due to their system limitations and/or unwillingness to get me timely information, I get stuck with a late fee. They also have informed me that as of the end of every month they report to credit agencies. Based on that information, that means they are regularly showing a negative impact of my credit rating. I am the only thing standing between Wells Fargo and a charge off yet I get negative comments on my credit report and hit with late fees. Does this seem reasonable?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/26/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: No one seems to be able to answer questions about the payments being garnished from my paycheck! The original garnishment order lists XXXX XXXX which was the collection company for XXXX XXXX. When I call XXXX XXXX XXXXhey tell me that they no longer handle student loans and that I should contact XXXX XXXX. Contacting XXXX XXXX brings me to XXXX XXXX website with a message stating my account was moved from XXXX XXXX to XXXX XXXX. I log into XXXX XXXX and my account has a message that I should contact Navient. I contact Navient and they state that they can only assist me if I am calling to make payment in full. Otherwise I should call XXXX XXXX XXXX. Well here we are, stuck at approximately 17 hours of total holding time over a 5 day period trying to get someone on the phone at XXXX. 
I checked with my payroll department and wanted to inform them that they are sending money from my garnishment to a company who no longer handles my account. They stated that they can't change anything on the garnishment without an order ( understandably so ). XXXX   XXXX stated that they can't send anything regarding the garnishment even though they are the ones listed on the garnishment. I checked with Department of Education who transferred me to the XXXX who in turn transferred me to Navient. I just want to know that my money is going to the correct company! Also, the amount listed does not reflect a credit for the canceled amount of {$2000.00}. Any information would be appreciated! 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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: About the Equifax breach, I logged on to their website to start a Credit freeze and filled out the online information they wanted and received a message when I hit the submit button that my file could not be found! I believe they have deliberately made it impossible to file a credit freeze. How could my Credit report information not be there and available? I have tried for 3 years through Equifax to correct my report with no response or action from them of any kind. I have sent them the requested information through the mail three times attempting to get my report fixed and they never made any acknowledgement they received it and they never made the corrections even with the proof I included they asked for. All Credit Reports should forever be eliminated so this can never happen again and Equifax should be required to immediately initiate a credit freeze on all individuals whose information was leaked not only with their company but they should be forced to freeze all credit reports with all companies and pay for the freeze costs immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: My purse was stolen on XXXX XXXX, 2017, and someone on XXXX XXXX, 2017 went to a WELLS FARGO Bank branch with a Withdrawal form filled with my information and even with my signature falsified and the teller authorized the withdrawal from my saving account in the amount of {$800.00}, I have a copy of that transaction in my hand with all that information.

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 07/30/2015 about Debt collection (Medical) with Rash Curtis and Associates (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I believe this collection company does not have my proper information and therefore can not collect upon this disputed debt. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. It shows {$0.00} due yet still reports negatively on my credit reports. They can not verify nor validate this account. Because of the aforementioned violations, I am requesting immediate deletion of this account from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Debt collection (I do not know) with EXPERT GLOBAL SOLUTIONS, INC. (NH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: These companies NCO financial, NCO group and XXXX call my house continuously all day long. They never leave messages. I have to shut my ringer.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Re : XXXX XXXX XXXX - Case # XXXX This has been paid and fully satisfied on XXXX XXXX, 2014 and recorded at XXXX County on XXXX XXXX, 2014. Please update my account as this is impacting negatively on my 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 non-monetary relief
Consumer complaint received 04/14/2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Ad Astra Recovery Services is trying to collect a debt that I DO NOT owe them! I do not have a contract or agreement with Ad Astra Recovery so I would really appreciate it it they would remove the collection from XXXX, XXXX, and XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: ON   XX/XX/15    XXXX   XXXX   XXXX   CALL ME TO COLLECT A COLLET ACCOUNT and requested for me to pay the bANK OF AMERICA ACCOUNT AND I DID PAY OFF A TOTAL OF  XXXX  AND NOW BANK OF AMERICA IS TAKING ME TO COURT THAT I DID NOT PAY I BEEN CALLING   XXXX   XXXX   AND NO ONE CAN HELLP ME I DONT KNOW WHAT ELSE TO DO.

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 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NE).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Chase Credit Card resold by Southwest airlines provided me with a statement on a XXXX balance account where they are charging me a {$99.00} annual fee and {$1.00} in interest. On XX/XX/17 I called the company and asked them to waive the fee and to cancel my card. They refuse to waive their annual fee on a card I do n't use and they are charging me interest on their fee. This is a UDAP issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-01-2016 about Consumer Loan (Vehicle lease) with World Omni Financial Corp. (FL).
Issue: Taking out the loan or lease

Complaint: Went to Toyota XXXX, XXXX XXXX FL to lease a car. Saw an ad on TV for two year lease, low monthly and low down payment. Sales Rep XXXX XXXX went to computer, asked my SS # to find out my credit rating. I told him " excellent. '' The sales mgr entered and asked, " Did she pick out a car, a color? '' I did. I wanted to nail down low down payment and low monthly payment on two year lease. Sales mgr replied, " How much do you want to pay? '' Can you put XXXX down? '' Then he asked for my car keys on a XXXX that was at the end of a 39 month lease that would expire in 3 months. 
Sales Mgr who took over the deal, never told me what residual value was on the Nissan Altima, just, '' I 'll take care of it '' When I got tired after two hours in the showroom, I said I wanted to think about the lease and asked for my Nissan keys and they said, " We put plate on new Corolla. I was tired and I caved. I went to the finance manager XXXX XXXX. 
His first words to me were, " we have XXXX cameras in the ceiling. '' I felt intimidated. I signed a sheaf of papers and went home with the Toyota. 
The next day I saw in my paper packet, XXXX signed copies of a " Total Care '' package costing {$530.00}. I went back to dealer. They took {$18.00} a month off the three year lease payments when I wanted a two year lease as the TV had said. Oh, XXXX XXXX gave me XXXX copies of the Total Care package I had signed three times. I feel this was to intimidate. As if to say, " Do n't come back here complaining about this, you signed three times! ''

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I can not seem to access Equifax in any sort of XXXX XXXX, so i can not file a complaint [ as well as their information being SO incorrect, I ca n't pass their 'verifications ' test ] I have been trying to get them to Correct the amount owed on a bill in collections, to reflect a " paid in full/closed '' balance. The debt collector reported to Equifax , a remaining balance of {$77.00}, down from over {$200.00}, but i paid the bill, in full, in XXXX. I have a receipt from the collection agency with the corrected {$0.00} balance, with no way to upload a digital copy. Equifax makes it exceedingly difficult to contact them if you can not manage to online. I Need this negative report off of my credit report as it has affected my ability to obtain other utilities since paying the debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (Medical debt) with AFNI INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: TODAYS DATE :  XX/XX/XXXX  ATTENTION DISPUTE DEPRATMENT : AFNI  XXXX   XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  Your company have violated FCR A 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition  on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.   I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence  ( 1 )  In general No perso n ( comp any ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under se ction 1681c-2 of this  title has resulted from identity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the    pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.   A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under secti on 1681c-2 of thi s title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.   The reference items are listed below please take this matter very serious AFNI I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX ,  XXXX  Telephone Consumer  Protection Act Liti gation, Case No.  XXXX , in the  U.S. District Court fo r the  XXXX   District of  California Stop collection proceedings against me Signatures on applications and accounts Investigators report  XXXX   XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Debt collection (Auto) with Bridgecrest Acceptance Corporation (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Bridgecrest is reporting on my credit report as a repossession. After several attempts ( all documented ) the credit is refusing to verify the debt according to FDCPA XXXX and Arizona XXXX XXXX XXXX. In my attempts Bridgecrest has only responded with the same letter stating that I need to verify my address because they have a different address on file. 
My direct dispute attempts have been met with an illegal attempt to shift the burden of proof to me. In violation of FCRA 623 ( a ) ( 8 ) ( D ), 16 CFR 660.4 and Arizona Administrative Code XXXX Bridgecrest has made several attempts to collect the debt since receiving my letters. These attempts include updating my credit report, sending debt collection letters, and verifying false information to the 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 explanation
Consumer complaint received 09/15/2017 about Debt collection (Other debt) with Colony Brands, Inc. (AR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: My complaint is against XXXX 's XXXX XXXX. This company is reporting that I have an alleged debt of {$230.00} owed to them. I have have spoken to them several times on the phone and sent them letters. My conversations that I have had date back to XXXX. I spoke with individuals in their collections department. I recently sent XXXX different letters requesting documentation. My first letter this year was in XXXX XXXX and the second was XXXX XXXX, XXXX. My verbal conversations and my letters are all based on the same premise. I want an audited statement of my account that validate that I owe {$230.00}, as they have reported to my credit reports. I want to see how they came to this. The account XXXX should have a history of payments from its conception. I want that history of payments. I have NOT in any way received anything that I requested. Instead, they responded to my XXXX letter by telling me that my attempt frivolous and not sending me any of the documentation that I requested. Frivolous, I do not not see how that is so. I have a right to see these documents if XXXX 's says that I owe this debt. Their response to my XXXX letter was a vague letter requesting that I send a form if I feel that my identity has been compromised. THIS was not in any way a response to the letter sent. I have been left dumbfound by this company. They will not do as I ask AT ALL and I have the RIGHT to the information that I have requested. On XXXX XXXX, XXXX I got a notification from the credit bureau that a new XXXX XXXX has been launched by XXXX 's. I have no idea what that is nor do I think they have the right to put something like that on my credit report without ANY advanced notification. I feel violated by this company. Where are my rights? They are functioning as though I do not have any. These violations constitute as my complaint.

Company response to consumer: Untimely response
Consumer complaint received 05/18/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have no accounts showing that I have ANY accounts listed on my credit file as a bankruptcy. The XXXX bankruptcy accounts on my credit file is n't me. I 've been asking how was this information verified? They can never give me a answer, it 's not verified through the courts because I had written them a letter, and they do n't report to the credit agencies. I want to know what 3rd party information source do they use? I have a right to know because this information is very inaccurate. XXXX has made the necessary changes.

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 05-04-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: After having a substantial relationship with Bank of America, I got a notice they have decided to close my account and gave me no reason whatsoever. I had  one is sue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency.     My credit card was closed and shows negative on my credit. I was never late and shows that it was late and paid off. I paid balance upon getting notice it was closed.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.

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 07-11-2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (MN).
Issue: Trouble during payment process

Complaint: Real estate tax escrow funds were collected but taxes were paid late, causing a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Last year I called Synchrony bank, I was trying to log on and find out about a bill that I have just received, apparently, I unknowingly applied for it through an offer when checking out of Amazon to get a discount. Therefore, I called Synchrony Bank when none of my information could get me logged into the system. After speaking with the customer service, I paid the card off and I asked that she close the card at that time and she told me once the payment was made the account would be closed. 

XXXX 2017, I received another bill and I had made any purchases, I called them again, Synchrony Bank and spoke with a representative, she pulled up the old records saw the old notes acknowledged what happened and that the bill was paid, and said that if this bill was due to the interest. I ask interest for what? the bill should be paid off. I still can log on to this account, I paid it and then sent me a letter which I have missed placed saying that they will remove from the credit report and closed account, now the bill is up to {$240.00}. I have also put in a disrupt on my credit reports. I get a new bill and almost set up a payment until I saw the credit card number, then I canceled.

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 02/23/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (ND).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: My loans transferred to Navient in XX/XX/2015 for some reason they disappeared and came off my credit report completely for an entire year I called to check on them no one knew where my loans were they wrecked up {$5000.00} in interest even though they were no longer on my credit report and XXXX and had no idea where my loans were. I continue to call over and over I asked to talk to supervisors with no response back Ive asked for a list of my bills and where my loan has been they always there for me to another department or student loan services

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Debt collection (I do not know) with CITIBANK, N.A. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was trying to get pre approved for a mortgage and saw a collection from CBNA in the amount of XXXX with no description of what is was in reference to and I 'd never seen this before and was never contacted in the past to settle this debt. The only contact info was PO Box and claim #

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 03/13/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Portfolio recovery associates contacted my place of work to attempt to collect a debt. I 've also has XXXX XXXX call my place of work to collect a debt as well. They have contacted me repeatedly after I 've told them to not call my place of work. They have also left information with managers and our HR department along with messages asking for me.

Company response to consumer: Closed with non-monetary relief