milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-07-2017 about Credit card () with FIRST NATIONAL BANK OF OMAHA (WA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX XXXX XXXX XXXX called me and represented themselves as working for the federal government. If I qualified for their program ( low income, high debt ) they could erase my credit card debt. So I gave them all my credit card information. They said the process would take three weeks and started by shifting the debt from one card to another. When I later checked what they had done an additional {$2600.00} had appeared among the transfers. I asked the bank that had received this fraudulent charge to delete it, they said they could n't accept it as fraud since I had given them the information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Vehicle loan or lease (Lease) with VW Credit (MA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On or about XXXX XXXX, 2014, we leased a XXXX XXXX from XXXX ( FL ) VW. When I entered the automatic payment info in my XXXX XXXX XXXX online account I apparently provided a premature end date. * I recognize that doing so is a major part of this issue. * About two years later we moved to our present address in XXXX XXXX, MA. As a result of my error the bank stopped sending what had been clock-work-like payments to VW Credit. When I saw my credit score decline I looked into the cause and immediately contacted VW Credit. While they had my new address ( as a result of the change in registration and taxation ), my current phone number and my current email, they made NO effort to reach me to tell me I was in arrears. In that regard I hold them partially responsible for abrogating duties that 99.999 % of other creditors would be delighted to perform. When I discovered the problem -- delayed by the fact that I was getting over a bad XXXX -- I immediately sent them three months of payments to get not only up to date but a month ahead to show good faith. Those payments apparently showed up on thew 62d day of when the first late payment was due and VW promptly informed all credit agencies that I was now 60+ days lateral further damaging my credit score.
I went to lengthy explanations with the CEO of VW Credit and everyone else who would listen. None did  ; and I got a form letter back telling me that because I was late the matter was closed. VW credit has not lost a dime on me. I continue to be 100 % up to date on payments. But my credit score has been badly damaged and will continue to be so for 7 years. This penalty certainly does not fit my " crime. '' I am not a deadbeat or trying to evade my obligations. Far from it. I made a mistake and immediately fixed it. VW failed to make any effort to ameliorate the situation and strengthen our relationship. For a company that is paying billions in fines for lying to the world ... I find their behavior and callous treatment unacceptable by any standard.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (SC).
Issue: Loan modification,collection,foreclosure

Complaint: I own a house with Wells Fargo for XXXX years I have a hardship my house got burned down a year ago. and they refuse to help me and went with the process of forclosure and set the sale Date for XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (I do not know) with Rainier Financial Group, LLC (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have not done business with this company and they 've been calling my number about someone else 's bad debt. This company has called for two months now. I have called them on THREE various occasions to inform them that the person they are trying to reach is NOT at my number. Each time they have apologized and said they will remove my number from their records. They have not. Calls continue and I am sick of trying to work with them directly.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Application, originator, mortgage broker

Complaint: XXXX days ago XXXX Wells Fargo contacted me and said he could help me with HARP. Basically I owe {$160000.00} on my house and he was going to put me into a new loan for {$210000.00} and now money was coming to me. So I told him I did n't want to take this loan I am afraid that he will robo sign the documents and force me into this upside down loan his email address is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Struggling to pay mortgage

Complaint: Chase Mortgage sent inspectors to intrude into my property unannounced and make harassment calls. They are also charging me fees for this process. The mortgage payments are up to date, I requested Chase to stop this type of harassment as it 's not warranted. I have been a long term customer with them and have several accounts. This is not acceptable and not a fair treatment of the customers in good standing but with financial difficulties due to loss of income.     This is what they stated : Date :  XXXX   XXXX  From : Home Finance Support Subject :  XXXX  : Payment Inquiry Message :  XXXX  Hello   XXXX   : After reviewing your email, I can certainly understand your wanting to get this taken care of in a timely manner.   My name is  XXXX  and I am happy to assist with your escalated request regarding the recent inspection fees that were applied to your account.      XXXX , whenever a loan is  XXXX  calendar days or more past due, a property inspection is completed to determine whether the property is vacant or damaged. We charge a {$14.00} property inspection fee and we send are  XXXX  party vendor  XXXX   XXXX   XXXX   XXXX  to inspect the property.     Unfortunately, the inspections are permitted by your Security Agreement and the Department of  XXXX   Housing and Development   (  HUD ) guidelines. Since your  XXXX    XXXX   payment was received until  XXXX   XXXX ,   XXXX  , we ordered an inspection of the home to ensure the home was n't vacant or damaged.     We apologize for any inconvenience this temporary problem has caused and are committed to delivering the best service possible.     Sincerely,  Chase  Escalations and Support Services ( ESS )  XXXX   XXXX  TTY/Text Telephone www.chase.com

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-11-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio Recovery Associates, claiming that we owe the amount of {$910.00} from XXXX XXXX. This account seems to have been sold many times to different debt collector companies even when I provided documentation showing proof of payment to each company. Then I would get another letter from another company. 
We have been emailing them documentation showing that the account was paid to XXXX XXXX XXXX on XXXX XXXX, XXXX in the amount of XXXX. My bank statement shows payment to XXXX XXXX XXXX, web payment on XXXX XXXX. 
I had to take a personal loan out to my grandfather to pay my debit due to a forced medical retirement from my position as a XXXX XXXX. I know we paid this!! 

We have mailed them though out the years providing proof of payment. They will not stop! on XXXX XXXX XXXX I sent XXXX emails, certified letter on XXXX XXXX, regular mail, faxed on XXXX XXXX personally contacted them on the same day. They still send letters stating that they have n't received our information. They call all day long and will not stop. This has been on my credit report and has affected my life tremendously. 

I have included documentation of the, letter, certified mail receipt, email date and time, letter from portfolio, proof of payment, fax proof and letter stating that they have not received out documentation. Please Help, I do n't know how much more I can do. This has been going on for years!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Data Systems (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been trying for 2 years to have this debt verified or either removed from my credit reports. In the last 5 months alone I have sent XXXX certified letters requesting the debt be verified and for an accounting of why it says I owe the amount they have placed on my reports. To date I have not received so much as a correspondence from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2015 about Credit card () with DISCOVER BANK (NY).
Issue: Billing disputes

Complaint: I ordered a tablet from XXXX ( order # XXXX XXXX, and my credit card was charged, however I never received the tablet. After a couple of weeks, I called XXXX and told a representative that I had n't received it. He told me that according to the tracking information, it had been delivered. I asked who had signed for it, since I had been home, and he told me a signature was not required. I explained again that I had not received it, and asked them to credit my account or send a replacement. He said that he could n't do that, so I asked to speak to the supervisor. After speaking to the supervisor, he told me the information given by the representative was incorrect, and I would be issued a refund within 10-12 business days. Two weeks later, I received my credit card bill, and the refund had not been issued. I disputed the charge with my credit card company XXXX Discover XXXX, and they said that according to the information given to them by XXXX, the charge was valid. I called Discover and explained the situation to them, and they re-opened the dispute, however I just received another message stating that according to the information given by XXXX, the charge had once again been found to be valid. Not only did I not receive the merchandise, but XXXX agreed to refund this amount, and now they are forcing through an invalid charge on my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Student loan (Private student loan) with NELNET, INC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I made a large payment to pay down the principal of one of my student loans. Nelnet does not recalculate automatic loan payments and make it unnecessarily onerous in order for them to recalculate automatic loan payments. I 've contacted them twice with regards to me paying down the loan while the automatic payment amount has gone unchanged. This varies very differently from other student loan service providers I have used, specifically XXXX XXXX. In addition, Nelnet does not allow for me to change the automatic payment myself, so regardless of how much I pay they will continue to take additional money out of my account to force me into shortening the duration of the loan rather than lowering my monthly payments. I have already submitted a letter indicating I do not want to advance my payment schedule, they continue to ignore my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (DC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This complaint arises out of a dispute I sent the collection agency after finding out inaccuracies in my credit report. To date, they have not sent a response to validate the debt. I believe this debt to be not mine but rather was obtained illegally ( identity theft ) by someone who used my name and social security number to obtain cable services. I have another complaint filed with another collection agency for the same original creditor ( XXXX ). I would like to get a copy of the original bill from the creditor so that I can move further with disputing the debt. Attached is the letter ( with attachment ) I sent to the collection agency.

Company response to consumer: Closed
Consumer complaint received 12/13/2017 about Debt collection (Other debt) with OCWEN LOAN SERVICING LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: XX/XX/XXXX Loss Draft Department of OCWEN refuses to endorse insurance claim check in the amount of {$13000.00} after assuring contractor that they would not handle second claim check any different than first claim check. OCWEN has returned check twice without endorsement. Contractor has placed lien on property to recover amount owed. OCWEN failed to provide written documentation of what the process is. Wants me and my spouse to endorse the check first and they will " reissue '' an OCWEN check to Contractor and us. Work is complete and OCWEN inspector has been on site to verify the work ; yet they still refuse to endorse the insurance claim check from XXXX XXXX. 

XX/XX/XXXX Loss Draft Department of OCWEN refuses to endorse insurance claim check claiming they need to monitor the work. Can not provide an explanation for withholding their endorsement.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Debt collection (Medical debt) with Aargon Agency, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have disputed this invalid debt multiple times Once with XXXX XXXX back in XX/XX/XXXX and most recently with XXXX XXXX inXX/XX/XXXX Collection agency still states the debt is valid but when I ask for the proof. I never receive a response back to actually receiving proof of the debt and how it had been validated

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 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TIDEWATER FINANCE COMPANY, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Tide water credit. XXXX XXXX XXXX in recovery department knows of her employee taking a payment on my account and refusing to reimburse me for NSF and adjust the account since it was their error. XXXX XXXX all she does is shout and tells me basically I 'm a liar without any resolution. The account was forward to attorney office which I explain to attorney and requested for me to put in writing. I requested as part of the account being resolve to have them delete this account they agreed. today the account is showing past due with a balance, charged off and late late payments. I tried to resolve this account today with XXXX XXXX again got her rude team members XXXX and XXXX believe name refuse at first to transfer me to a supervisor and I was told to calm my attitude down. XXXX XXXX came to the phone and I advise her after basically she called me a liar that I was going to file a lawsuit she stated good all are calls are recorded. I asked for the reps name who took the payment from me 2 years ago what her name was she refused to give it to Me, all she kept saying was thats not how it went.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been a victim of identity theft since XX/XX/XXXX a person name XXXX and XXXX also stole my identity he has been audited by the tax examiner XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: They put hard inquiries on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax fails to remove the XXXX account. Equifax reports incorrectly the date of first delinquency for removal .Equifax reports incorrectly that this account is PAST DUE {$64000.00}. Equifax reports incorrectly that this account is REVOLVING. Equifax reports incorrectly that this account is scheduled to continue on my report past the statutory limits of the other major CRA 's even though I received a XXXX Cancellation of Debt from XXXX.. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Mortgage (FHA mortgage) with INTERNATIONAL CITY MORTGAGE (TX).
Issue: Application, originator, mortgage broker

Complaint: I am a XXXX and I sent a client to iCity Mortgage in the beginning of XXXX 2015. 
On XXXX XXXX, 2015, we executed a contract for a typical 30 day closing. On XXXX XXXX, 2015 they finally closed it. However, the entire staff that worked on this file, did not work with a " Time is of the Essence '' sense of urgency throughout the entire process. 
At the end of a closing extension for 2 weeks, XXXX XXXX was to be the latest the seller could close, as they had plane tickets and were going out of the country for a month. We were in and out of underwriting because they kept coming up with items that needed to be corrected. Instead of telling us all at XXXX. This took several days. XXXX XXXX XXXX XXXX VP of the company, XXXX XXXX, text me he got the ok from quality assurance and sent email with the docs. The file had been in quality assurance XXXX times because they could n't seem to ask for the correct items that was needed. Underwriting failed to let title know they needed a preliminary HUD for the XXXX lien. It was approx XXXX XXXX when title was informed. Way past closing time. XXXX XXXX after XXXX, quality assurance finally approves the file and releases it to docs out. It was about XXXX before title received notice. Again way past closing time. XXXX XXXX title is does not have instructions from the lender and does n't receive them by end of day. XXXX XXXX XXXX am title receives instructions for only the XXXX lien but not the XXXX lien, no Deed of Trust and the lender did n't put the verbiage on the buyer docs that the buyer will be signing with a POA. XXXX XXXX emails that she was not made aware there would be a XXXX, when it was sent to them several days ago. Another copy is provided to her. XXXX asks XXXX XXXX, if they are going to draw up the DOT and if so to put the sellers wife on it and include a minerals reservation clause in it per the contract. Also to include the vendor'e lien information in the deed. XXXX says they 'll draw up the Deed. XXXX XXXX title still does not have docs for the XXXX lien. XXXX asks for it again. Lender provides DOT with errors. Lender did not have any of the items on the Deed that was requested by title. XXXX XXXX, title orders DOT on a rush from her attorney. Title has the DOT from their attorney within 10 minutes. 
Thankfully, the sellers had barely enough time to sign before catching their flight. 
I have all the texts and emails between all the parties who have been involved in this file. I can send you what you need. Please let me know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Payday loan, title loan, or personal loan (Payday loan) with Genesis Financial & Payment Systems Holdings, LLC (WI).
Issue: Struggling to pay your loan

Complaint: I started this loan on XXXX XXXX XXXX for XXXX. I wanted the loan at first to help pay off my car, but I soon found out that I did not want the loan however it was still processed into my account. I used the money to pay for my car, however the interest on this pay it now loan was incredibly high making it nearly impossible to pay it off. I was making small XXXX $ every week that I got paid and once I started a new job they was taking it out every other week. I eventually was n't able to pay them anymore. And I wanted them to understand that I am a struggling XXXX XXXX who has a medical condition that I have to pay for my medicines out of pocket. In XXXX XXXX XXXX my car was repossessed, I tried to explain to Genesis Financial that I will not know when I will be able to pay them because my car was really important for me to have. At this point I had restablish a monthly payment of XXXX dollars a month to them, unknown to me this loan had quadruple in amount and I now owed XXXX. I told XXXX XXXX the " account manager '' that I did not know when I 'll be able to pay, and he said that I was non compliant. He threaten to sue me and him and XXXX used words like good luck in court and we hope that you have a good lawyer and hanging up the phone as I am desperately trying to understand how this escalated. They said that I was aggressive, and I threaten them but they somehow cant find the records of the phone call. I looked up consumer laws and I have a few lawyer friends who told me that this is not proper behavior for a company. They can tell me that the next process will be handle in the court of law but they can not use words that seem to threaten me. Honestly the whole interaction caused me to have an XXXX XXXX  which causes me to have XXXX XXXX XXXX. I do n't want to give this company another dime. I have given them well over the XXXX I owe them and I think its time that they are shut down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: COMMONWEALTH FINANCIAL has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe COMMONWEALTH FINANCIAL any alleged debt and would like them to provide proof of claim with authenticated verification. COMMONWEALTH FINANCIAL has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.

Company response to consumer: Closed with explanation