milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Atlantic Credit & Finance, Inc. (SC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: This company called me today and threatening to take me to court if I did not set up some kind of arrangement with them today. They said the papers where laying on there desk and ready to be sent. I told them that I was not able to work because of health problems and that I have applied for XXXX. I have no money. My wife is the only one working and she is trying to keep us a float. They would not listen to me and ask what bank we used and called the bank and put us on three way and set it up to where money would come out of our savings on Monday. How can money come out of something when you do n't have money in there. I keep on telling them that we needed to wait on my wife because I just have a card to show at the bank when I did work to get my check cashed. I do not have a bank card or anything like that my wife has it all and it is all in her name. He even said that me and my wife can have the argument or fight but it was going to be settled today. I was on the phone with these people for about two hours and they say it was being recorded so lets hear if everything they said to me is on the recording. When I got off the phone with these people my chest was so tight. I do not handle to many of the bills my wife does. I keep on telling these people that I could not hear them good to just wait till my wife got home from work but they would not hear of 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 non-monetary relief
Consumer complaint received 12/16/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: I filed a claim with Bank Of America regarding an individual stealing my cards and making transactions on my cards. XXXX card was approved while the other was investigated, upon speaking to the representative they went into my other account where it was proved that fraudulent charges were made and she overrode the decision on it when I did not authorize her to even investigate that account. She was very rude and condescending as well as extremely unhelpful. I kept asking for specific documents I would need to provide to show that these transactions were not mine and she was very vague. Now she 's going to re-bill my accounts and force me to make payments on transactions that I did not make nor authorize. It 's upsetting that all my other banks were very helpful while Bank Of America has been horrible. I got upset and hung up the phone on her because it was very obvious that she was not interested in helping me and kept making attempts to get me off of the phone. Terrible service and employee from Bank Of America.

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 11/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with GLENN ASSOCIATES MID-ATLANTIC, INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We moved from XXXX to XXXX, and before moving, we went to XXXX and closed our account. Two years later, we have received a notice that we owe {$210.00} in account inactivity fees. We called XXXX and informed them we had closed the account two years ago. They say they have no record of that. Now we are receiving collection notices from Glenn Associates Mid-Atlantic, Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MO).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I have been doing business with this particular credit card for the last 10 years under our company name.
We have made excellent payments to this company- from full payments to the credit card to consistent payments for the last 10 years - our interest rate was 12.9 % Since 2016 we have struggled with our business and we have seen our credit suffer - although we have maintained making payments to the credit - The credit card company started raising interest rates without noticed - from 12.9 % to 15.99 % interest and finally to 21.9 interest - practically double the amount of interest - I did not catch the interest hikes.
Their explanation was since our credit has deteriorated thus the interest - hikes causing us to pay that much more in interest payments.

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 07-12-2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was a cosigner on my husband car that was almost 3 years ago I communicated with debt collectors before they removed it off my account which was with Chrysler capital also the car was given back to the people without a hassle and all of a sudden these people XXXX XXXX for XXXX which they said it was open on XXXX XXXX 2017 which is false information and have my critic messed up I am trying to get my life in order trying to get things together and I feel like these people is purposely trying to tell him tear me down it is really stressful so my life and me trying to change is a woman growing from a young lady I just want to do was write in life and I 'm constantly being not down for days that was n't me all I want is things to be done correctly and not falsely accused on my behalf could you please help me sincerely XXXX So my life and me trying to change is a woman growing from a young lady I just want to do was write in life and I 'm constantly being not down for days that was n't me all I want is things to be done correctly and not falsely accused on my behalf could you please help me sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with John C. Heath, Attorney at Law, PLLC (TX).
Issue: Problem with customer service

Complaint: In  XXXX    XXXX   I told a representative of Lexington Law Firm that I was really needing to keep in close contact with my paralegal due purchasing a house and I would be having lots of people looking at my credit. I told them that I had been having a hard time getting them to respond by phone, email or even on the chat line. I was told that things was getting better. The next month same thing happened. I did get to speak to some  one  after after I threatened to cancel my services. This representative talked me in to staying on with them and she reduced my fees for my troubles. Ok At the end of this month, I say about  XXXX  or so I started trying to call them. I was put on hold for a very extensive amount of time. Then I sent an email. I asked to be contacted. I also sent several emails to no avail, No one contacted me. I finally decided to cancel my services. I told them to cancel the service and the reason why. All of the sudden, they started sending me emails about disputes and letters they were sending out. I think this agency is a scam because I only got emails when they knew I was getting ready to cancel. Every month they do the same thing right around time to pay they send out status reports. This looks sneaky to me as if they are sending the information when it is time to pay. I have had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I wanted to get in contact with you guys because i were tryana to open up a checkin account with my bank and i couldnt becasue someone messed uo my credit getting things in they name steal my idenity. I just turn XXXXyears old XXXX XXXX. 2015 theres no way i could of got things in my own name i was a minor at the time they got things in my name i need my credit score cleared.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (WA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: On XXXX XXXX, XXXX, I spoke with a representative at Citi Bank about a payment plan. I am XXXX past due and can not afford that due to family obligations, bills, and a lawyer earlier in the year which was all stated in the recorded phone call. I stated REPEATEDLY that I did not have the funds in XXXX to make a payment. He came back and told me we could settle on an agreement of XXXX per month for 5 years at zero interest. I agreed, once again stating that I did not have the funds for XXXX and starting XXXX XXXX, XXXX and the XXXX of every month after, I could pay XXXX a month. On XXXX XXXX, XXXX I recieved a letter stating that this agreement was terminated due to no payment when I did n't have a chance to pay because it 's not XXXX XXXX. Once again, I stated repeatedly I could not pay in XXXX and that was not an issue to him at all. They made NO EFFORT TO CONTACT ME AND SENT MY ACCOUNT TO COLLECTIONS. I call them on XXXX XXXX, XXXX demanding I speak to the same guy I originally made this deal with or forward me to some type of XXXX or supervisor to deal with this. The lady on the phone refused to transfer me and lied to me saying she could n't access my account anymore. I was just on my account that morning so I knew she was lying to me. I go to log on again not even 3 hours later and I 've been blocked from my account, and have no access to see anything. The point of this complaint is that they did not follow through with their side of the agreement, when I told them multiple times I could NOT pay in XXXX and made NO EFFORT TO CONTACT ME. Please take the time to listen to the recording from XXXX 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 non-monetary relief
Consumer complaint received 03-09-2017 about Mortgage (Other mortgage) with WILLOW BEND MORTGAGE (FL).
Issue: Application, originator, mortgage broker

Complaint: I was in need of a XXXX loan. My real estate broker just finished a class with the Employees of Willow Bend Mortgage Brokers on that very loan. She suggested that I go to them for my loan. The agency I used is in XXXX, XXXX. The name of the agents were XXXX XXXX and XXXX XXXX. They were told at the beginning that a FHA XXXX loan was the only loan that could be used to purchase the home in XXXX. After a month went by they still were under the assumption that I needed just an FHA loan. Still as time went by they did not move forward with the XXXX loan. Now at this time I have been paying {$370.00} every 15 days for extensions on my contract with HUD. They new that this was on a time basis so we did not lose our contract on the home. It stated in XX/XX/XXXX they kept giving me it felt like the run around. Every 30 days I needed to send and resend the same papers and then bit by bit the papers were getting annoying stupid papers. The items needed were totally absurd. With me being in XXXX and the home in XXXX we could not just run out there every weekend. We finally made a surprise visit and went through all the papers and they stated we should close by XX/XX/XXXX. Well at that time XXXX started going for a FHA XXXX loan which was totally wrong. Now here we are with less that 48 hours before my final extension and they insisted this was the way to go. Now as it stands I am out the money for all the extensions, gas, hotel accommodation costs. I believe they are should not be teaching others if they do not know what they are doing themselves. They should be held accountable for their actions. It is due to their lack of knowledge on my best interest and listening to what I and my real estate agent were telling them that I now they decided to deny my loan due to not being able to determine my credit rating which was at the time a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX was removed, paid in full and removed XX/XX/XXXX. Through Equifax. The amount was XXXX. I was sent confirmation it was removed and paid in full from Equifax dispute service. After paid I waited and disputed to have it removed. Somehow miscommunication happened. Then it Reappeared, showing I was disputing a paid item. Now I look again it 's back on there as owed. It went from paid, removed, to paid, that I was disputing it was paid. To now a balance is showing again. I 've sent to XXXX multiple times, it 's Been ignored. Then there is XXXX XXXX reappeared on XX/XX/XXXX. It had been removed years ago for inaccurate information and wrong amount. I have copies of credit report with this not on it. All the sudden it 's there. The original account was reported in XX/XX/XXXX. I called XXXX a week ago when I first seen it. They assured me they seen nothing opened on XX/XX/XXXX. Now it 's showing on all 3 bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: IN REGARDS TO ; CAPITAL ONE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX. I FILED FOR A LATE PAYMENT VERIFICATION OVER THE PHONE AND THRU CERTIFIED MAIL AND BOTH TIMES CAME BACK AS VERIFIED ACCURATE. WHEN I HAVE MADE ON TIME PAYMENTS AND NEVER MISSED BUT CAPITAL ONE CONTINUES TO REPORT INACCURATELY I 'VE ASKED THEM SHOW ME PROOF OF AND VAILDATE THERE LATE PAYMENT CLAIM WHN I PAID ON TIME AND NO RECORD WHEN I HAVE ASKED TO SEE HAVE THEY SHOWN ME. IM SO UPSET THAT I KNOW NO OTHER REMEDY BUT TO FILE A COMPALINT ABOUT THIS SITUATION, APPARENTLY THEY HAD A SYSTEM GLITCH AROUND THAT TIME OR A HUMAN ERROR WAS MADE ON THERE PART AND THEY WILL NOT REMOVE THE LATE PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: When Navient became my loan servicer, I agreed on an income-based plan paying {$210.00} per month. The person tried repeatedly to get me to agree to forbearance, which I had already done ( and it added a considerable sum to my debt ). At any rate, the agent instructed me to go to the Navient website, make my first payment, and then set up for auto pay. I did as instructed, adding my bank information in the tab that says " autopay. '' Since the first payment was manual, it was debited from my account, but the following two months, no payment was taken ; but they were sure to add late fees and a past due balance of {$430.00}. I called to inquire about this and the first thing the agent did was try to get me to agree to forbearance. I declined and said that they were supposed to have debited me for the last two months but did not. The agent proceeded to tell me that I was not signed up for auto pay. While on the call, I went to my Navient account and confirmed that my bank information was in the " autopay '' tab on the website. He then said I had n't really signed up for auto pay, and he would email me some PDF files that I would have to fill out. When I received these, they were not web-hosted PDF forms that one can fill out, but rather only completable by printing and mailing or faxing, for which no instructions were included. Furthermore, the terms and legalese in the auto pay application were pages long, so long and complex that I was afraid I was committing to something that would cost me additional money. The original agent I spoke with never mentioned this lengthy process. In fact, he just said, " go to the site, make your first payment, and then set up auto pay and you 're good to go. '' There is no mention on the " autopay '' tab on Navient.com that mentions downloading and filling out multiple pages of auto pay application. When other companies do autopay, it 's a simple matter of entering your bank info and checking a box to approve. Now I 'm getting daily emails offering forbearance, and was getting daily phone calls and texts before I told them they ca n't do it any more. All I want is for them to make my account up to date and let me pay the agreed amount, but they wo n't do it. 

Also, why do I owe {$49000.00} on a loan with original principal of {$20000.00}? Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XXXX XXXX i went to XXXX XXXX XXXX to buy a car. I was told that XXXX had their own finance company and gave them permission to run my SS #. When i reviewed my credit report i found out that they actually shotgunned my ss # which made me have several soft and hard inquiries that i did not authorize. I contacted Trans Union who removed them all which raised my score and reduced my number of inquiries and added them all back today. I did not authorize these and i contacted the companies asking for something proving that i did. which i know they can not produce because i didnt know or authorize them. Shotgunning for car purchases should not be allowed without a person permission. This is horrible on a person credit.

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 04/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: As a Member of the Class of the XXXX XXXX XXXX XXXX XXXX Breach and ensuing Identity Theft, my wife I and have had to defer all inquiries from debt collectors to this precedent ; none of the debts being collected against us are ours ( save for our first Mortgage, Federal Student Loans and XXXX XXXX XXXX ). Furthermore, I have an LAPD ID Theft Case ( # XXXX ) which needs to be taken into consideration. Together, these cases represent the significant reason why these debts originated and, to wit, why my wife and I should be absolved of them.

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 01/18/2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Trouble during payment process

Complaint: i did a modification with Ocwen loan servicing in XX/XX/XXXX which was approved, my husband sign the letter sent in back next day, i received a phone call stating i use white out on the form and need to redo it, i was sent another one a few days later which my husband sign again and have it notarized, we were contacted the second time saying they need both husband and wife signature on the document, i respond in writing that my husband name alone was on the loan and there was not a place for me the wife to sign on the form, i was told to just go with my husband the 3rd time to the notary and give my Id and have them state that the signature was mine and my husband which we did, i was then told a month later that the loan was sold to XXXX so they ( ocwen ) would no longer be taking my payment ( which i was making every month ) .... i ask ocwen for the contact information for XXXX because i never receive a letter or any documentation for the sale of the loan to XXXX, and no call or contact from them either after calling them for 2 months ( XX/XX/XXXX and XX/XX/XXXX ) they took 2 months payment and say they need direct access from my bank for payment until i am in their system, which i still have to call them every month to remind them, until XX/XX/XXXX i was told by XXXX that they have no documents from ocwen to prove i got a modification and they can not received any more payments from me, during XX/XX/XXXX when i start making payment to XXXX, ... ocwen start filing foreclosure on the house which did not make any sense to me and i did not know what to do i then hire a company to safe my house XX/XX/XXXX then XX/XX/XXXX without much time or notice they sold it to XXXX XXXX and told me i need to move within 24 hour, they are not truthful about the whole thing, i have bank statement to prove i was making payments until XXXX stop me, please help me

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Other debt) with WELLS FARGO & COMPANY (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Wells Fargo home Mortgage submitted a 1099-A without also filing or submitting a 1099-C to the owner of XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX regarding the payments she made. The 1099-A Wells Fargo Home Mortgage submitted indicated a loss of {$140000.00}, approximately {$20000.00} less than the deed to the property and likely as stated because the property structure was this amount, however, being the same {$140000.00} XXXX XXXX XXXX paid in mortgage payments. The for consideration amount was {$160000.00}. Also, being the same amount inclusive of the land that XXXX XXXX XXXX paid for separately. This has been submitted to the IRS and was further addressed with Wells Fargo with indication that this matter is being worked on by the Internal Revenue Service. The property and structure known as XXXX XXXX XXXX XXXX, VA XXXX is satisfied. There are no other known contracts of record for any other subcontractor, etc. and all other expenses were paid upfront by XXXX 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