milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/22/2017 about Vehicle loan or lease (Lease) with WELLS FARGO & COMPANY (NJ).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint: I submitted an end of lease buyout form online from Wells Fargo in order to purchase my lease. It was said that I was approved and gave me my interest rates and payments based off m y credit score they ran and my information As I chose the one I wanted, I waited to hear from the company to finalize the loan that I was approved for.   When I received the call, I was told I was now denied.

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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am attaching the letter that I sent to XXXX XXXX, and Trans Union on XXXX XXXX. More than 30 days have passed, and they have not responded yet.

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 01/23/2017 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: I purchased a car about 3 years ago, with Toyota finance, I was involved in a car accident, the other Party 's insurance took cared of the pay off amount on my car, I tried purchasing another car in the same dealership, once they checked on my credit, the toll me that I have a charge off amount of {$7800.00} which is not true, I have documentation stating that I only own them {$470.00} which I 'm willing to pay if they help me by taking that charge off, off my credit because like I said its not true

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen is not a trusted company. 
I have heard about wrongful business against home owner in all United States. 
Unfortunately, I 'm another victims on their hands. 
Unless you 're rich, and have money to sue them, so they will learn the lesson in Connecticut State too. 
Below is list of my complaint:1 ) On my XXXX/XXXX/2015 Statement advised me of payment amount from {$620.00} to {$670.00} ( {$42.00} increase ) and said the further detail regarding the reason as going to be included in the separated letter ; 2 ) It is noted that on the same statement on XXXX/XXXX/2015 Ocwen received a {$5000.00} payment:3 ) On my XXXX/XXXX/2015 Statement advised the same ; 4 ) On my statements XXXX/XXXX/2015, and XXXX/XXXX/2015 they increased already to {$670.00} with no previous justification why. 
5 ) On XXXX/XXXX/2015 I accepted the offer for re-cast and sent the paper offer ; 6 ) As for now, they refuse to re-cast, they lost the previous acceptance, they opened and investigation, and they refuse to give credit for that the same they received the {$5000.00} that 's on XX/XX/XXXX. 
XXXX ) Ocwen is charging too much for escrow {$400.00}, a year is {$4800.00} ( {$400.00} x XXXX = {$4800.00} ) a price for a single family home, I have a town house, and the yearly taxes is not more than {$2500.00} ; 8 ) Ocwen plans to raise the escrow ; 9 ) On my XXXX/XXXX/2015, Ocwen raised already the escrow to {$440.00} a month that 's {$5300.00}, double of XXXX, CT required taxes ; 10 ) Also Ocwen is trying to receive a fee of {$490.00}, that has no sense and is not listed on their charge list.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX my mortgage with PHH Mortgage was in default. I was unemployed at that time. 
In the same year I received financial help and assistance from Florida Hardest Hit Fund. 
The PHH Mortgage on service for XXXX XXXX accepted close to {$40.00} in payments and promes to reinstate the mortgage. In XXXX XXXX I start full time work and gain the ability to pay my mortgage. This is the time that all problems started. The PHH accelerated the mortgage and never reinstated the payments. I retained attorney to represent me in court but the PHH mortgage is playing words game sense that time. 
PHH Mortgage office was already provided with all of the information previously requested and all the information needed to settle this matter. It was supposed to be processed as a reinstatement pursuant to the FHA paperwork. 
Is the bank refusing to settle by reinstating the loan as they promised when they accepted the Hardest Hit Fund money? 
I need a straight response to this question, whether the counterclaim must be forwarded to the CFPB and the Florida Attorney General, and whether we need to set the matter for hearing on our counterclaims.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have been trying for about a year to receive my Equifax credit report and ficocredit score. I have not had any success receiving either credit report or credit score. I have not been able to receive my XXXX credit report or fico score and, my XXXX credit report or fico credit score. 
I have also had problems purchasing or receving any monitoring services for the XXXX credit bureaus. I would like to be able to monitor monthly, all XXXX credit bureaus for my credit reports. 
Thank you very much for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (KS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On  XXXX   2017 , I paid Barclay card a settlement. I have a confirmation letter confirming receipt of the settlement dated  XXXX   XXXX ,  2017 . As of  XXXX   XXXX ,  2017  the account continues to show unpaid/collections on my  XXXX  credit report. When I conta ct Barclay card  they said there was nothing they can do about it.     I was advised by my attorney that they are required to update every 45 days, and I am being denied credit due to this account appearing as collections,  despite Barclay car d acknowledging by phone on  XXXX   XXXX ,  2017 , that the account is paid and when I asked them to update the credit bureau they said " There is nothing we can do about it ''.

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 01/23/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Unsolicited issuance of credit card

Complaint: on XX/XX/XXXX i was alert by phone by XXXX representative to verify i wish to open a XXXX in the store with the fraudster holding on the other line.I advice i donot want or apply for XXXX XXXX card and to decline and close out account. i was told by the rep they will devaule the gift of {$750.00} that was been purchase to XXXX and close out. on XXXX/XXXX/XXXX i got a card to activate. i call back and advice i dont want this card and it is fraud i was then told that there is a balance on the card for {$750.00} and that the purchase was made on XX/XX/XXXX in the bronx and the card was applied for online in XX/XX/XXXX. i could not understand because here the bank presumingly have a fraud procedure in place to activate the card before it can be used but purchase was already made. I SEE ON MY CREDIT REPORT HE BANK REPORT THE AMOUNT OF {$740.00} ; STATING IT IS IN DISPUTE. I WISH FOR THIS TO BE TOTALLY REMOVE FROM MY CREDIT I also received a bill from sychrony bank for {$16000.00} for a store card issue for XXXX. I never received a call or alert from the bank when these unusually big purchases are been made in XXXX XXXX XXXX IN MIND I LIVE IN XXXX XXXX . I CONTACT THE BANK AND I WAS TOLD THAT I AM NOT RESPONSIBLE FOR THE BILL, I WANT THIS TAKEN OFF MY CREDIT REPORT. I am high XXXX and i dont want my credit tarnish. if these bank are so quick to issue and approve credit without proper id and some kind of alert system with all the fraud we face today in america. THEY NEED TO QUICKLY REMOVE THESE CREDIT FROM MY REPORT AND LET XXXX AND XXXX XXXX PAY THEM. I APPRECIATE ALL THE HELP YOUR CFPB CAN DO TO EXPEDITE THIS FRAUD OFF MY CREDIT REPORT TO MAKE ME WHOLE AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Bass & Associates, P.C., Attorneys at Law (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I continue receiving threating mail from a debit collector, Bass and Associates, XXXX XXXX XXXX XXXX, XXXX, Arizona, Phone # XXXX, on a bill they say I owe a company that they are representing, in the amount of {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Portfolio Recovery XXXX on behalf of XXXX XXXX, attempting to collect a debt That does not belong to me that Was removed months ago. Identify theft report/police report, filed and submitted to XXXX XXXX as well as bureaus months ago. Police report case number XXXX XXXX ) as well as FTC complaint filed.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Rewards

Complaint: I have been going back and forth between XXXX XXXX XXXX rewards program to figure out what happened to my points. Bank of America claimed to have transferred the points automatically, but I never received them on my XXXX XXXX account. I contacted Bank of America ( for the XXXX time regarding the issue ) and they finally transferred me to a supervisor that stated the rewards points expired. Before signing up, I was told that the rewards miles do n't expire let alone after a month! Bank of America kept putting blame on XXXX and sending me to them for resolve when BofA is the XXXX responsible for rewards transfers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Property Address : XXXX XXXX XXXX. 
XXXX, NC XXXX Pursuant to : 1. a : RESPA, 12 U.S.C. 2605 ( e ) ( 1 ) ( B ), b : TILA 15 USC 1641 ( f ) ( 2 ). 
c : TILA 15 USC 1641 ( g ) ( 1 ) a-e d : Saving Homes Act 2009 XXXX 2. All Insurance policies associated with the subject mortgage and any TRUSTS, including but not limited to REMIC Trusts. 
3. ID Theft notifications. 
4. Explanation for refused rate change : Explanation for failure to reduce rate 60 days XXXX rate XX/XX/XXXX thru XX/XX/XXXX. 
5. Explanation for contract failure ( s ). 
6. Identify ALL Owners/Lenders/Trustees/Services and dates acquired. 
7. Copies ( front & back of document ) a : Mortgage Note. b : Deed of Trust. 
8. Copies of Form XXXX, XXXX and Appraisal. 
9. Copies of ALL BPO, Appraisals and valuations. 
10. An accurate accounting of all debits and credits applied to the purported mortgage transactions from origination until XX/XX/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 02-07-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Capital One Representative XXXX explained to me that they sppke to the real " XXXX '' and taht theu confirmed that they didnt open an account. They never asked me to provide documenation or proof and closed borh of my accounts beleiving the alleged

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Kings Credit Services (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: These items appear on my credit report. Theses items we re d   ischarged in my bankruptcy years ago. These companies insist on trying to keep their information on my report. They are being spiteful.
ALL ITEMS WERE DISCHARGED   IN Chapter  XXXX  Bankruptcy :   XXXX   XXXX   IN ( old car loan )  XXXX   XXXX   XXXX  IN  ( I llegal collection. We had military orders to move but they still sent us to collections and harassed us non-stop, called us liars even though we were stationed  XXXX  miles away ) KINGS CREDIT SERVICES  ( medical bill )  I filed for bankruptcy due to post divorce debt that I could not handle on my own. I did this to restart my financial situation and these collections agency are too vengeful and spiteful to take their garbage off my reports. I do n't care if these do not affect my score, they still show as  XXXX  OPEN collections when they are NOT OPEN and have/show a balance of {$0.00}.     Disputes through the credit agencies have done nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I see an entry listing a chapter XXXX bankruptcy on my credit report. According to FCRA 623 ( a ) ( 5 ) if the credit bureau CAN NOT VALIDATE the information they must remove said information from the consumer credit file. The U.S. Bankruptcy Courts DO NOT REPORT ANY ACTIVITY TO CREDIT BUREAUS. Federal laws protect the privacy of most personally identifiable information reported. I have filed 4 written complaints against the credit bureau and the results of the investigation has been that the item and description is VERIFIED and no change. FCRA explains that the item must be VALIDATED not VERIFIED that is 2 different results. The credit bureaus refuse to remove from my credit profile.

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 08-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a debt, claim by XXXX XXXX which was suppose to have been sent to my bank as a refund. My Bank, XXXX, claim that they never received such a refund nor was it deposit into my account. Now XXXX is trying to collect money that I never received. I have contacted management at XXXX and they have informed me that they would contact the collection agency and have this collection removed from my credit report. This has not happen as of this date XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Student loan (Private student loan) with SLM CORPORATION (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Each time I would contact the Sallie Mae staff about my private student loans, I was told assistance options were not available. 

I was looking for option to consolidate or reduce payments similar to my federal loans. ( consolidated and placed on an income-driven-repayment plan ) My payments with Sallie Mae were roughly {$700.00}, that I was unable to afford based on my take-home pay of roughly $ 25K. 

Therefore I was not making payments on my loans since repayment options were not available. My loans have now gone into default. 

I have been dealing with a rather patronizing account manager who again told me that dropping my payments are not an option. Even though I told him a reduced payment of {$300.00} is not feasible with my pay. He explained that I needed to provide him the dollar amount and not assume he would provide me with a number. 

My cosigner is involved in this serious matter and I hope to rectify it, and not have this tarnish his life as much as it is effecting mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Bank account or service (Other bank product/service) with Alliance Data Card Services (NC).
Issue: Account opening, closing, or management

Complaint: On  X/XX/17    i was enticed to obtain a  XXXX   XXXX . Store credit card which turns out to be issued by Comenity Bank acct number  XXXX . At that time I charged {$24.00} on the card. I received a bill for charges I made on  X/XX/17    for {$24.00} during the last week of  XXXX . I mailed the payment on  X/XX/17   . They posted the payment on  X/X/17    with the due date of  X/X/17   . They then proceeded to charge me a late fee of an identical {$24.00} plus something called a  XXXX   XXXX  of {$2.00}. I called their customer service on  X/XX/17    which is one day after I received the  XXXX  statement and was told it is not a mistake.   It is a small amount of money but I ca n't help but believe after my conversation with customer service that this is a pattern with this company. First they sent out the statements so the consumer has little time to make the payment before late charges are assessed and then the late charges exceed the original amounts charged! How can that be right!     I believe many more have fallen pray to this tactic and I  XXXX  you can do something about it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (OR).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I got my XXXX call around XXXX XXXX. I was up so answered it. I told the lady she had the wrong person. Now every weekday, I receive a call anywhere from XXXX. to XXXX. I have had at least XXXX of them. I have not received any written mail from this company. When I try to call back I am asked to give a case number that I do n't have, and then can not get to talk to anyone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of fraud, I lost my wallet some years ago. I called all three credit bureau and they placed a fraud alert on my credit report. I pulled up my credit report for Equifax to find that I have XXXX inquiries on my report. I called and spoke with XXXX who stated she could not help me so I asked to speak with her supervisor. I spoke with supervisor XXXX Badge # XXXX I explained to her that these inquires are not mine and I need her to open a investigation so that I can dispute the inquiries. The banks are on my credit report 10 times in some cases you know that is fraud. XXXX ( her name ) representative XXXX told me to get over it and wait until they fall off. I told her that I was going to report her to Consumer Financial Protection Bureau and also sue Equifax because this report is hindering me from getting a home. I also provided her with the police report number that I filed. XXXX would not hang up her phone on the other end I can not dial out on my phone she refuses to hang up her line this is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: They said they took off the debt for XXXX XXXX after it was paid and I noticed ok my credit file again for the same amount with a different company after it was token off becuase the debt was paid in XXXX 2016

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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a private student loan I have done research after research regarding my private student loans. I was even looking into joining the XXXX so I can get help with my private student loans but I Navient that is not options not even doing the XXXX forgiveness program. I am willing to do anything if there is a program that helps with private Navient student loans. I am currently not working and my credit is ruined because of my student loan. Does anyone know of program that can help for private loans everything I read is geared towards federal loans

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Debt collection (I do not know) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Fidelity Information Corp is reporting to XXXX an account that is not mine as a result of ID theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have been disputing incorrect information on equifax credit report. I have submitted letters and proof that these XXXX accounts showing as potentially negative should be showing as satisfactory. I keep getting letters from equifax that I have to be specific with my concerns and providing account names and nature of dispute. Equifax is just disregarding my dispute as I have sent them numerous times letters I received from the creditors stating the accounts should be showing as satisfactory Paid and paying as agreed. Equifax is reporting incorrect information which is affecting my score and obtaining credit.

Company response to consumer: Closed with explanation