milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My wife was laid off on XXXX XXXX, XXXX. Modification request was completed on XXXX XXXX, XXXX. XXXX XXXX XXXX stated, " We 're unable to complete the review if we are missing documentation, so we may request updated financial information. '' What information did Wells Fargo use to make your final decision if you were missing financial information? This decision was made in XXXX business days from the time my wife was laid off her job. Why was n't the decision based on information provided repeatedly through congressman XXXX office, Faxes from branch Well Fargo offices in XXXX? How can you calculate 42 % of 0.0 income? Why did it take Wells Fargo XXXX business days to make a final decision when you found out my wife was laid off XXXX XXXX XXXX? 

XXXX XXXX XXXX of Wells Fargo stated, " A review for HAMP Tier II was also completed and we were unable to approve you for a modification because the documentation provided at the time indicated that the modified payment would be more than 42 % of your monthly income. '' On XXXX/XXXX/XXXX XXXX XXXX XXXX of Wells Fargo stated, " Based on the documentation you provided us, your proposed monthly modified payment would be more than 42 % of your monthly income. We reached this decision by reviewing your monthly income, which is calculated as {$0.00}. '' Based on this information, why did Wells Fargo based final decision on information provided on XXXX XXXX, XXXX? 

Questions we would like Wells Fargo to answer:1. Why Wells Fargo base final decision on information provided on XXXX XXXX, XXXX? 
2. Why was n't the decision based on information provided repeatedly through congressman XXXX office, Faxes from branch Well Fargo offices in XXXX? 
3. How can you calculate 42 % of 0.0 income? 
4. Why did it take Wells Fargo only XXXX business days to make a final decision when you found out my wife was laid off XXXX XXXX XXXX? 
5. How many home owners have been given HAMP Tier II in or around XXXX XXXX, CA which is where we live? 
6. Can we have a HAMP Tier II ASAP or by XXXX XXXX, XXXX because our house will be Trustee sold on XXXX XXXX, XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft and noticed a collection from ENHANCED RECOVERY. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete an id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03/13/2018 about Debt collection (Medical debt) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX is reporting a medical collection account that I have disputed with the original provider and told XXXX that I was in dispute. I had insurance, the provider received authorization from the insurance company and the provider never billed the insurance. When XXXX contacted me I told them I was in dispute with the original provider and they still reported it to the agencies but did not send me anything to verify the debt even though I asked for it. They continue to ignore my requests to verify the debt yet they also report this unverified debt. This needs to go back to the provider so I can take care of this. This is in direct violation of the Fair Debt Collection Practices Act ( Federal and California ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: OnXX/XX/XXXX I visited the Chase branch located at XXXX XXXX XXXX, XXXX, NY XXXX. Prior to my visit, I had done my research on the different account types and their bonuses. I decided to open a Chase Checking account, but I was unsure as to which one I would pick so I decided to see if the banker could help me. Upon visiting the branch, I spoke to XXXX XXXX, one of the bankers working that day. I told her that I wanted to open a Chase Checking account and that I had a coupon code. She took my info and filled out an application for a Chase College Checking, since I just started college. After the process was complete, she told me that I just had to make sure to have a direct deposit made to this account totaling more than {$500.00} within 60 days in order to receive my {$200.00} bonus. On XX/XX/XXXX FAFSA sent a tuition refund as a direct deposit of {$750.00}, which more than satisfies the terms. However, Chase website said I would receive the bonus within 10 days. When I did n't receive the bonus, I called Chase customer support, and they informed me that the coupon code was never applied at account opening. When they tried to open it, they were unable to so they redirected me to the branch that I had opened my account in. When I went to visit the branch the next day, the banker told me that I was n't eligible for the coupon code, because I was n't a new Chase bank customer. When I asked her to explain what that meant since this was my first and only account with chase, she just said the same thing again. I left the bank and called customer support once again later that day explaining the situation, and they transferred me to a higher up. She then informed me that my the coupon code could not be applied to a Chase College Checkings account, but rather only a Total Checking Account. I then tried to explain that the banker assured me I would receive my bonus as long as I had a direct deposit made. I was then told that there was nothing they could do, and it was the branches decision whether or not to reward the bonus. After reviewing all of my steps, I do realize that part of it is my fault for not researching well enough. However, I do believe that I was purposefully mislead. The supervisor I spoke to informed me that at account opening, the coupon code would not have worked since the type of account I was trying to open was ineligible. However, the supervisor also says that the system will inform you if and when the coupon is n't eligible. Instead of telling me, the banker proceeded as if there were no issues and allowed me to open the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-06-2018 about Debt collection (Payday loan debt) with Credit Bureau of the South, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I have received numerous phone calls as have members of my family, threatening jail, arrest, police coming to my door and if we have guns on the premises to lock them away. My mother was even threatened that they would lock her up if she did not tell them of my whereabouts. All from a company by the name of XXXX XXXX XXXX ... XXXX. The people we have heard from are a XXXX XXXX and a XXXX XXXX. 

These claims were discharged in Bankruptcy several years ago and these companies were notified of the hearings and at the time did not try to contest it. 

I have tried to inform them of the bankruptcy but they just laugh and tell me they will see me in court. I have given them all my contact info but to date have received nothing from them and they still call and harass my family.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I took 3 classes online at XXXX XXXX online school. The are saying my student loan debt is over 10,000.00 dollars. I  have no idea where the money went but i do n't believe i owe XXXX XXXX for 3 classes i tried contacting XXXX XXXX and get no answer I can not get into fasa. This is ruing my credit report. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I took out student loans they became due for payment in 2009 I have never made apayment the statute of limitations for collecting on a debt in California is 4 years it has now been 8 years and now they want to collect. This is a violation of FDCP rules

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Credit card debt) with FIRST NATIONAL BANK OF OMAHA (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX XXXX have failed to comply with my numerous prior validation request sent to them, in direct violation of Title 15 U.S.C 1692g.

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 01/27/2016 about Debt collection (Medical) with Avadyne Health Holdings, Inc (IA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a notice to verify these debts in accordance with 15 USC 1692g. The original dispute letter detailed the type of verification requested. 

In response they only sent a computer generated print-out of the amounts they claimed are due, which may or may not be accurate. Addresses, phone numbers and dates of services rendered with the original creditors were not furnished. They did not provide me with any documentation showing I agreed to pay the original creditor or a bill showing services rendered. Furthermore, they have failed to provide any proof of an executed credit contract proving my liability on the amounts claimed in this summary.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (ID).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am unable to get a lower interest rate on my student loan, which has been 10.75 % with XXXX XXXX, now Navient. If the XXXX XXXX crooks can get loaned money at basically 0 %, then I should have the capability to lower my rate.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (TX).
Issue: Problems when you are unable to pay

Complaint: My husband and I both have a loan through Merit Finance on XXXX XXXX in XXXX XXXX, TX. We have come down on financial hardship and have submitted and been approved for lower payments on our loans. We continually receive phone calls even after payments have been made and if we are one day late they have no problem calling our contacts on our loan and sharing loan amounts, due dates and how much the loans are for. 
They come to my residence and have no problem pounding on my door harassing my dog for nearly XXXX minutes. our loan one due on XX/XX/XXXX and someone was knocking on the door by XXXX on XX/XX/XXXX. 
The XXXX was one month since our last payment, which was more than the agreed amount on our hardship paperwork, and they have been calling me for nearly two weeks multiple times a day and not identifying themselves in the voicemail. Just name and number to call back. 
I am not trying to get out of payment I am just trying to get the harassment to stop. They are very rude. I am afraid to answer the door with the way they pound on my door after they have already called me. I have been a part of one of the sister companies for over 4 years and this is the worst I have ever felt and I should n't have to feel threatened because I am one day late.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Debt collection (I do not know) with WELLS FARGO & COMPANY (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was granted a judgement in the XXXX of GA, XXXX court to garnish a company 's account. Wells Fargo was provided with the court 's subpoena XXXX times. Wells Fargo knowingly provided false information regarding the existence of an account at their institution the first and second time. Their third answer to the garnishment was a notice that the party 's account was finally closed. This action is illegal under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: the debit is from XXXX for an XXXX XXXX not my self and have spoken to them and debit recovery solutions

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I co signed on my daughters student loan some years ago. She stopped school and I encouraged her to realize the loan would become due and to setup a repayment plan. I went into bankruptcy in XXXX but continued my own student loan payments. I assumed she was taking care of hers. My attorney listed the debt and said it would be " taken care of '' ( all my own payments were on time ). I ended bankruptcy in XXXX XXXX and the case was soncluded XXXX XXXX. I found out the loan was in default via a phone call from the collection dept and this was XX/XX/XXXX. I verified my daughter knew and was unemployed. She would get back to them. XXXX XXXX XXXX the collection agency of wells fargo took {$3600.00}. from my account via a " written check ''. I called and they said they would give back some of the money {$1400.00} but it never happened. Wells fargo cant help me as they say its a separate department and they do what they want. Now I have a direct deposit and my tax refund coming. even though they say they wont take these it appears they lie because they promised my funds returned by Tues XX/XX/XXXX.. My income has been reduced by half. Im 6 years away from retirement and losing my vision so I do worry about how long ill be able to work. I need that money.

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 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMW Financial Services NA, LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The account that appears below does not belong to me. I have reached out to the creditor and to the credit bureaus about this incorrect information that is reporting on my credit report. I am a victim of Identity Theft I have never ever had an account with these people. I have done all I can do by sending letters, conversations with numerous amount of people to resolve this matter. I am very mentally distraught! How can a person go through something like this and no one to turn to to get this matter resolved. I hope you guys can help me with this because I 'm tired of being dragged by the bureaus and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The alleged Bankruptcies were not filed by myself and do not belong to me. I have disputed this with the credit bureaus and I also supplied a letter from the Bankruptcy Court stating they don't report to the bureaus.

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 08/25/2016 about Prepaid card (Payroll card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: ON XXXX XXXX, 2016 @ XXXX XXXX MY AMERICAN EXPRESS BLUEBIRD WAS HIT WITH A FRAUDULENT ATM WITHDRAWL IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX GAS STATION ) FOR {$300.00} ONLY PROBLEM I WAS IN XXXX USING MY CARD DAYS BEFORE THAT HOURS BEFORE THAT WITHDRAWL AND THERE IS ONLY XXXX CARD** I IMMEDIATLRY CALL AMEX TO REPORT PROBLEM ON XXXX XXXX AMEX LOCKED ACCT. UNTIL I COULD GET TO ATM TO WITHDRAWL REMAINING FUNDS IN XXXX THEN THEY WILL CLOSE ACCT. AND SEND NEW CARD ON XXXX XXXX, 2016 I RECIEVED AN EMAIL FROM THEM ASKING ME TO FILL OUT FRAUD PAPERWORK AND UPLOAD IT BACK TO THEM I DID** ON XXXX XXXX, 2016 I RECIEVED AN EMAIL FROM AMEX LESS THAN 24HRS. LATER THAT THEY DID AN INVESTIGATION AND FOUND THAT I WAS IN VIOLATION OF CUSTOMER AGRREEMENT XXXX. AND THEREFOR NO ERROR HAPPENED AND THEY WAS NOT GOING TO REFUND MY MONEY** BECAUSE I GAVE SOMEONE MY CARD AND PIN NUMBER ** ( WHICH IS NOT TRUE ) I WAS IN XXXX TRAVELING FOR MY JOB WHEN THIS TRANSACTION TOOK PLACE IN XXXX AND MY TRANSACTION WILL PROVE THAT** THERE IS ONLY XXXX CARD AND ITS IMPOSSIBLE TO BE IN XXXX STATES AT THE SAME TIME** AMERICAN EXPRESS LOCKED MY ACCT CLOSED IT DOWN WHICH STOPPED MY DIRECT DEPOSIT AND I HAD NO MONEY TO PAY BILLS AND I WAS IN ANOTHER STATE WORKING STRESSED OUT** I CONTACTED XXXX POLICE DEPT. FOR ASSISTANCE OFFICER XXXX INVESTIGATED WITH IN 24HRS. HE HAD WENT TO GAS STATION WHERE CRIME OCCURRED TALKED TO ATM COMPANY AND OBTAINED VIDEO AND PICTURES OF SUSPECT WHICH I HAVE ALSO** FROM THIS POINT I CONTACTED AMEX OVER 25 TIMES TO GET TO A PERSON WHO WOULD HELP NO LUCK JUST CUSTOMER SERVICE AGENTS SAYING THEY WILL PUT INFO IN NOTES IN MY ACCT. XXXX THEN I INFORMED THEM LAW ENFORCEMENT WAS INVOLVED AND THEY DID AN REAL INVESTIGATION NOW THEY TELL ME I HAVE TO HAVE THE POLICE TO CALL CUSTOMER PROTECTION SO THEY CAN TRANSFER HIM TO AMEX XXXX** I HAVE CALLED OVER 20 TIMES IN A MONTH TRYING TO GET SOME RESOLUTION NONE SO FAR **** EVEN XXXX POLICE DEPT. HAS CONTACTED AMERICAN EXPRESS BY PHONE AND EMAIL AS WELL AS PROVIDED THEM WITH THE INVESTIGATIVE REPORT FROM THEM** WHEN AMEX RESPONDED TO XXXX POLICE DEPT. THEY SENT TIME STAMPED DATES FROM THE XXXX XXXX SHOWING THE SUSPECT MADE NUMEROUS ATTEMPTS FOR MONEY, THATS FINE BUT IT HAS NOTHING TO DO WITH AMEX REFUNDING MY MONEY EVEN AFTER I HAVE PROVED AMEX NEVER DID AN INVESTIGATION AND LAW ENFORCEMENT HAS PROVED I DID NOT HAVE ANY THING TO DO WITH THE TRANSACTION THEY STILL WONT GIVE ME MY MONEY BACK, BUT THEY HAVE GIVEN ME ALOT OF RUNAROUND XXXX POLICE DEPT. TOO ALL IN HOPES I WILL GIVE UP AND I 'M NOT I HAVE EVERY EMAIL AND PAPERWORK *** AMERICAN EXPRESS DOES NOT PROTECT THE CONSUMER AT ALL THIER PROTECTION IS TO TURN YOU INTO THE SUSPECT AND PROTECT THEM FROM LOSSES** I HAVE FOLLOWED EVERY THING IM SUPPOSE TO DO AS A CONSUMER I DID EVERYTHING I NEED TO FOR AMERICAN EXPRESS STILL NOTHING BUT GAMES FROM AMEX**

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/16/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Billing statement

Complaint: I RECENTLY MOVED AND CHANGED ALL OF MY CREDIT CARD BILLS TO MY CURRENT ADDRESS ( USING AN ACTUAL REVERSE SIDE OF BILL TO UPDATE ADDRESS. CAPITAL ONE HOWEVER DID NOT RECOGNIZE THE CHANGE AND SENT THE BILL TO MY OLD ADDRESS. MY BILL WAS LATE AND THEY PLACED A NEGATIVE MONTH ON MY CREDIT HISTORY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo Bank opened a fraudulent saving account for me without my authorization, charged my checking account unnecessary fees, intentionally and fraudulently put my account into negative status and charged overdraft fees constantly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/21/2017 about Debt collection (I do not know) with OPTIMUM OUTCOMES, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Optimum Outcomes, Inc is in complete violation of the FCRA, HIPPA, and Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). I never established a contract with this company and they have no validation that I owe any debt to there company.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Judgement showing on my credit report was never recorded and was paid to the original credit before filed. I have disputed 3 times through bureaus and they keep verifying it but the record is wrong. The judgement was never filed and should be completely removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I notified XXXX with XXXX XXXX XXXX over the phone at XXXX that I was disputing the debt and was requesting the original contract sent to me. Then on mailed a follow up letter stating that I was disputing the debt. Since then I have had a collection placed on my credit report from Jefferson Capital Systems , LLC who they said I owed. XXXX was unable to provide the contract to me so they sold the debt. I have suffered damage to my credit score from this collection which no one was been able to send me any proof that I owe it.

Company response to consumer: Closed with explanation