milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2017 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (WI).
Issue: Problems when you are unable to pay

Complaint: Wells Fargo Bank is where I have my loan thru and after a yr I traded in my XXXX XXXX Colorado and got a XXXX XXXX XXXX XXXX XXXX. In the trade I lost all of my payments I had made for the Colorado and wells Fargo also tacked on an additional XXXX saying I was in negative equity. They would n't give me a warranty on the XXXX or anything to soften the blow and since I needed a larger truck to accommodate my XXXX step children I agreed to the terms and even though my payments were XXXX dollars cheaper I still felt that I had been taken for a ride. Well after a yr of paying on the XXXX I wanted to get refinanced so I could make cheaper payments since my step son was very ill and had to be placed in a children 's hospital. Wells Fargo told me that the rules of refinancing was that the vehicle could not be more than 8 yrs old and not have more than XXXX miles even though I bought it with it being both over the age limit and over the miles limit. With my checks being smaller than they were I found it very difficult to come up with the monthly installments and they would n't work with me but said they would take a payment and tack it to the end of the loan. Also the initial amount owed from the loan was XXXX and after a yr of paying XXXX a month the loan balance was still at XXXX and something. I do n't know how to send the copy of my loan to you but can thru my XXXX I provided. Please RSVP as soon as you can because my loan has become a lot more difficult to maintain. Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Closing/Cancelling account

Complaint: I was a visiting scholar 4 years ago in XXXX. I had a XXXX VISA Account and I closed it when I left XXXX in XX/XX/XXXX. This year, I came back to XXXX again. However, when I saw my credit report today, according to XXXX, I had a bad debt rating. I called XXXX CARD, they told me that I had a {$90.00} payment in XX/XX/XXXX. How could it happen with a closed account? If there was a pending payment, how could I have not been notified? And how could this account be closed?

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-11-2017 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (AZ).
Issue: Account opening, closing, or management

Complaint: I just received an unsolicited debit card from netSpend encouraging me to sign up to have my paycheck deposited with them. The card is real and way to easy to activate. Seems very deceptive and comes with lots of fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit card () with BARCLAYS BANK DELAWARE (RI).
Issue: Rewards

Complaint: I had XXXX " miles '' on my XXXX card issued by Barclays Bank , also known as Barclaycard , when they suddenly closed my account without notice and for no apparent reason. ( See Exhibit A ) When I called to inquire, the rep could n't figure out why, but said there is nothing he can do about it. 
It seems like a deceptive business practice to tell me I can earn and redeem " miles '' then just close my account out of the blue without compensating me for the value of the rewards that I earned. 
What Barclays Bank calls " miles '' are rewards redeemable at a rate of XXXX cent each for travel expenses charged to the card, with 10 % of them being returned to the " miles '' balance. As you can see from Exhibit B, their website promises : " Redeem your miles for travel statement credits, and earn 10 % miles back to use toward your next redemption. " Thus, the value of XXXX " miles '' would be {$1200.00}, with 10 % of the miles ( XXXX ) being returned to my account after redemption, which I could then use for another redemption of {$120.00}, making the total value after just XXXX redemptions {$1400.00}. 
It seems deceptive that Barclays Bank would encourage customers to earn these " miles '' and then close an account without notice or reasonable cause. 
I have been an excellent customer. My FICO score has ranged between XXXX and XXXX over the past year, according to Barclaycard itself. 
I have never made a late payment, nor had a bounced payment. In fact, I generally have paid early ; Barclays Bank sends out emails, starting off " Why wait? Make a payment now '' encouraging early payments before the due date. 
Not only have I used this card for a significant amount of my spending, but I 've also responded to their promotional enticements. For example, Barclays Bank encourages the purchase of gift cards, such as by offering XXXX ( XXXX extra points per dollar spent ) by buying XXXX XXXX XXXX XXXX through their Barclays RewardsBoost online shopping portal. ( See Exhibit C ) I have done that. 
I 've been deliberately trying to earn " miles '', and as shown in Exhibit D, Barclays Bank claims repeatedly that there is " no limit ''. 
It is deceptive for this bank to entice people like me to use this card, accumulate a significant amount of rewards, then pull the rug out from under me. 
Their website touts " 300 years of experience has taught us a thing or XXXX about financial services. '' It seems like whenever Barclays Bank is in the news, it 's for some sort of deceptive practices or fraud - apparently they think have become very proficient in that sort of thing. 
I will consider this matter satisfactorily settled if my account is credited for {$1400.00}, the minimum amount that my earned miles are worth if redeemed for travel statement credits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/24/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I am a Wells Fargo mortgage holder. I pay my monthly mortgage payment via the Wells Fargo website each month. Unfortunately, I pay my payment after the XXXX of each month so I incur a late fee. I used to be able to pay the monthly late fee each month with my monthly payment. However for a few months I was not able to pay the late fees but I paid my mortgage payment. 
The issue is that within the last couple of years, the Wells Fargo payment website was changed so that it does not allow you to pay that months late fee without paying the entire late fee balance. As a result, I have about 18 months work of late fees racking up and that will continue to rack up. 
The complaint is that Wells Fargo changed their payment website to not allow customers to pay that months late fee without paying the entire late fee balance.

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 12-07-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have a Signature Student loan through Navient that was originally obtained when I was a XXXX student at XXXX of New Jersey XXXX XXXX XXXX XXXX. I have been trying to defer/forbear this loan for the last several months ( I am currently an XXXX ) and have not had success despite submitting XXXX sets of paperwork that were 'signed off ' on by my XXXX. I was told that the XXXX set of paperwork was 'not the correct type ' and was given another set of paperwork to complete. After the last set of paperwork was submitted, I received emails stating that the paperwork had been 'declined '. When I called Navient, the representatives I spoke to seemed surprised and stated that this 'should have been the correct paperwork ' but that they 'had been having computer problems '. I was reassured that the paperwork was 'about to go through '. 

All of this occurred XX/XX/2015. It is now XX/XX/2015 and the loan still has not been deferred. If this loan can not be deferred for some reason, I would appreciate if somebody would just tell me this rather than having me submit paperwork over and over again. If it can be deferred, I would imagine that I have submitted enough paperwork at this point for a deferral to be carried out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MIDFIRST BANK (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX Dear Mid-First Bank and or Midland Mortgage : On or about XX/XX/XXXX I contacted Midland Mortgage about misinformation the company made and placed on my credit report. I disputed the information and contacted the XXXX, ( XXXX XXXX XXXX ), a Midland third party partner. I spoke with XXXX who told me Midland had provided the information I was disputing to XXXX, XXXX and XXXX XXXX. Specifically, XXXX said Midland reported as of XX/XX/XXXX I was more than 120 days past due on my mortgage. That information is untrue. XXXX also said Mid-First Bank and or Midlands policy is to report mortgages as delinquent or late even if the mortgagee continues to make payments which I did after contacting Midland to request mortgage assistance. I was approved for a reduction in payment plan in XX/XX/XXXX and thereafter placed on a modification plan with a 3-month trial payment period that I paid as agreed. Nonetheless Midland reported to the credit agencies I was 120 days delinquent in XX/XX/XXXX. I believe incorrect reporting violates the Consumer Protection and Fair Debt Practices Acts. 
Any payments not made on my mortgage occurred because Midland instructed me to not make payments until after my modification was completed. I did as Midland instructed. I want my credit reports corrected and future reporting to be accurate as according to law. I want a statement from Midland explaining its policy with supporting legal documentation.
I look forward to hearing from you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (Credit card) with GAMACHE & MYERS, PC (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received correspondence from Gamache and Myers on XXXX/XXXX/15 stating they are attempting to collect a debt for XXXX XXXX XXXX. Responded via certified letter to G & M requesting validation of debt be sent to my residence. Received response on XXXX/XXXX/15. Did not receive proper validation of debt, however. Responded via certified letter, again, to send me proper validation of the debt. Received notice today that G & M has filed suit on this debt without providing proper validation of the debt to me. Therefore I will be forced to hire an attorney, at my expense to defend this unsubstantiated lawsuit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 05/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I cancelled XXXX service after 2-year commitment period, but XXXX wrongly charged me an " early '' termination fee ( approx. {$85.00} ), which I disputed. 
XXXX and AFNI reported the " debt '' to credit agencies, including XXXX, and has lowered my ( previously ) excellent credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ability Recovery Services, LLC (MA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I had a missed call from them I called back she started off with an attitude I told her that my computer is broken so I could n't do my schooling I work to much to get to a library and my friends do n't have an extra computer to borrow she told me the balance and she offered {$15.00} a month I said that 's fine no problem but I had to get back to work told her to call me back after XXXX. She called back and I had my boyfriend answer they one did n't asked him to verify my info and they disclosed to him that the call was about a debt. I gave them my okay to speak to him after they disclosed. they were giving him a hard time and he asked to speak with a supervisor or manager and they said no they said that they are not gon na be calling and any more communication will be written .. I never said I wanted that the lady ended call after. we called back and was pretty much begging for a supervisor the male kept saying we were very rude and he wont assist us. and kept hanging up on us. I have recordings of this going on also.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: MY HUSBAND AND I WERE THE VICTIMS OF IDENTITY THEFT AND FRAUD AFTER WE LOST OUR HOME TO FORECLOSURE. WE SUSPECT OUR MAIL AND SOME BILLS WERE STOLEN FROM OUR OPEN MAILBOX AFTER WE LEFT SINCE IT WAS A SHARED BANK OF MAILBOXES AND SOME FRAUDULENT ACCOUNTS LISTED OUR OLD ADDRESS. UPON RECEIVING SUSPICIOUS FOREIGN BILLS AND COLLECTION NOTICES AT OUT NEW ADDRESS WE PULLED OUR CREDIT REPORTS TO SEE WHAT WAS GOING ON. WE DISCOVERED IDENTITY THEFT AND NUMEROUS FRAUDULENT ACCOUNTS WERE OPENED IN OUR NAMES. INDEPENDENTLY WE FILED IDENTITY THEFT REPORTS WITH THE FTC, POLICE REPORTS DOCUMENTING THE ID THEFTS/FRAUDULENT ACCOUNTS, NOTIFIED ALL THE APPROPRIATE CREDITORS VIA CERTIFIED MAIL, FROZE ALL OUR CREDIT FILES AND BANK ACCOUNTS. THIS HAS BEEN VERY STRESSFUL WITH THE XXXX XXXX XXXX XXXX AS WELL. ALL OF THE CREDITORS OF THE FRAUDULENT ACCOUNTS EXCEPT CAPITAL ONE AND THEIR COLLECTION AGENCY XXXX XXXX XXXX HAS HONORED OUR IDENTITY THEFT REPORTS AND OTHER CERTIFIED DOCUMENTS. THEY CONTINUE TRYING TO COLLECT ON THIS DEBT DESPITE ALL OF OUR NOTIFICATIONS AND NOTARIZED AFFIDAVITS THAT THIS DEBT IS NOT MINE. I SIMPLY WISH TO BE LEFT ALONE SO WE CAN BEGIN TO REBUILD OUR CREDIT AND LIVE NORMALLY. ALL I REQUEST IS THIS FRAUDULENT CAPITAL ONE ACCOUNT XXXX BE DELETED FROM MY CREDIT REPORTS AND COLLECTIONS CEASED BY THEIR COLLECTION AGENCY ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX ). 2 FRAUDULENT CAPITAL ONE ACCOUNTS WERE OPENED IN MY NAME AND LISTED ON MY CREDIT REPORTS AND ID THEFTS AFFIDAVITS. ONE WAS DELETED WITH NO ISSUES YET THESE ORGANIZATIONS REFUSE TO HONOR THIS FRAUDULENT ITEM. *****IN ALL OF MY REPORTS FILED I HAVE NOT LISTED ANY INCORRECT FACTS, I HAVE NOT MISTAKENLY FILED A REPORT, AND I HAVE NOT BENEFITED FROM ANY OF THIS FRAUD. ******

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Debt collection (Payday loan) with Premier Portfolio Group (ME).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Premier Portfolio Group has left several voice mails indictating that they have mailed documents to me ( nothing has ever been received ) and that I have a " pending complaint '' in their office. They have stated on my voice mail that they will garnish my wages if I do not call them back to make arrangements. At other times, they have stated that they have a bad check I attempted to pass along with my name, social security number, and routing number. I believe this is in reference to a payday loan that I paid back in full and then closed the checking account directly after the final payment as the collection practices of the original company were illegal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed bankruptcy back in XX/XX/XXXX, it was discharged in XX/XX/XXXX. On my bankruptcy I included a lender by the name of Credit Acceptance. I financed a XXXX that I willingly gave back after I filed bankruptcy and which has been auctioned off. Mind you, I never have been late in my car payment, and once I file, the company is not allowed to report to the credit agencies during bankruptcy. Credit Acceptance has continued reporting negatively as if I havent made a car payment in over a year. My account is also listed as open. I filed 2 complaints with the company, it was supposed to be off my credit report by the XXXX of XXXX. Credit Acceptance refuses to give me anything in writing due to me filing bankruptcy over a year ago and still is not removing the false information and its causing me to be denied for things. Im reaching out as a last chance to have them remove this before I begin the process of suing the company.

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 07/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX has been reporting a delinquent status on my credit report. I attained an auto loan in 2013, and I am currently paying the balance, monthly, and in good terms yet for some apparent reason they have yet to update the status on my credit report. I have been paying my monthly auto loan on time, from what I recall not missing a payment. Please do contact XXXX XXXX, referring to my name and social security to pull up my account, which will show I have been paying my bill on time. I need to clean this negative mark on my credit report by mid XXXX, for I am on the verge of attaining the loan needed for the expansion of my business operation ( Jewelry Store to be located in XXXX XXXX, CA. ).

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 01/25/2017 about Mortgage (Conventional fixed mortgage) with PLANET HOME LENDING, LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Planet Home Lending has my mother 's mortgage. Tried to get help with modify the high mortgage rate. Spoke to a lady back in XX/XX/XXXX who was suppose to send out paper work. Called back in XX/XX/XXXX to follow up. They said there was none thing than can do. Spoke to a man who was a supervisor who mention that they could lower payment by {$70.00}, than back off his statement. Service was very rude.

Company response to consumer: Closed
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Transunion has ignored my request to provide the documentation used to verify the accounts on my credit report. Being that they have passed the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A )  of the FCRA - they are required to " promptly delete all information which can not be verified, that I disputed. '' Please resolve.

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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: When I entered all the information needed to complete application, I do n't see anything. No credit report was given. Same problem with other credit bureaus. How am I to read my credit info once a year when nothing is provided. Do you not show the results online? Does it only get processed through the mail?

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Credit reporting () with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: According to all XXXX credit report they have XXXX XXXX XXXX MA XXXX associated with my credit report and in 44 years I have never lived in MA. Therefore I like it investigated and also on XXXX and XXXX Reports they say there is a mortgage in my name associated with this address and I have never opened a mortgage.

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 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have sent a police report to transunion in reference to inaccurate information on my report along with a dispute letter with no response. So I have sent another letter with my copies of police report to hopefully get this rectified. No information was sent to me stating they have verified any information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation