milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2017 about Payday loan () with Solidus Group LLC. (IN).
Issue: Can't contact lender

Complaint: I called and an employee said it was a payday loan from XX/XX/XXXX. Then said a complaint was filed in XX/XX/XXXX ( I was overseas ). Then said there was no such thing as statute of limitations and threatened to take me to court. She never verified anything and was rude. She ended up hanging up on me. Not once did she say this was an attempt to collect a debt or that they were a collection agency.

Company response to consumer: Untimely response
Consumer complaint received 03/29/2017 about Debt collection (Auto) with Westlake Services, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I would like to file a complaint. I have received several letters via Certified Mail from NationStar Mortgage stating that I could opt to have a face to face meeting with a representative to discuss options concerning my loan. I have made more than several attempts to set up this face to face meeting for the last month and a half at least. I have received nothing but the run around from each person that I talk to. Someone was supposed to email me, and then someone was going to call me, but I have yet to hear back from anyone regarding my calls to set up the meeting. 

I get different responses from your Representatives from, " We do n't do that '', to " I have never heard of it. '' I read them the letter that I received and had to sign from coming out of the Texas office. The representatives all need to be on the same page. Does n't look good for the business when the information being given does not match going from person to person in the office. 

If no one is going to actually set up the face to face meeting and it is not an option, STOP SENDING ME CERTIFIED MAIL TELLING ME TO CALL TO SET ONE UP!

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit reporting () with ERC (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This amount was previously removed. It was for XXXX account with XXXX. The equipment was returned and XXXX kept saying the matter would be escalated and the amount removed but nothing was ever done. Now it is reported again. Just today I spoke with another agent XXXX # XXXX she hung up on me when she tried transfering my call. I am tired of this issue. I ca n't resolve anything with XXXX. See attached previous response from Collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11/15/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (OH).
Issue: Managing the loan or lease

Complaint: Obtained a car loan with GAP insurance from Wells Fargo in XXXX XXXX, XXXX. The car was involved in an accident and there was a total loss date of XXXX XXXX, XXXX. Prior to this date the account was NEVER late and paid on or prior to the due date. There was also GAP coverage through XXXX ( XXXX ) on this loan with Wells Fargo. During the wait for reconciliation of the loan balance payoff from XXXX XXXX and XXXX ; I made calls EACH month to inquire if a payment should be made on this account during this time because the account was showing " past due '' and late fees were applied. I was told " NO '' each time because the insurance companies had to make final payment. Each month the account was showing past due I called the company and was assured that the account was NOT being reported to the credit bureaus as such. XXXX paid out on XXXX XXXX, XXXX and the GAP insurance was finally processed on XXXX XXXX, XXXX but not applied until XXXX/XXXX/XXXX. This left a balance on the account, after adjustments of XXXX and a loan was obtained through Wells Fargo to pay the this loan balance in XXXX installments. 
Per several conversations with customer service and the office of the president ; I was told that the reason the account was showing at the credit bureaus as being severely late is because the GAP was terminated XXXX/XXXX/XXXX. This does not add up at all. Per my call to XXXX ( Gap insurance ) I was told that the coverage was terminated after the final adjudication of the claim via a letter dated XXXX/XXXX/XXXX. The GAP coverage was terminated after this because the loan was considered closed NOT in advance as was stated by Wells Fargo. 
My calls to Wells Fargo Dealer Services are rerouted and not being handled. I was told to fax information to the Credit Dispute department so they can review the issue but nothing has been done to date.

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 12/18/2015 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I believe the so-called company " XXXX , Inc. '' Is fraudulent and I fear that my identity, finances and credit are at stake! 

I received a letter in the mail that stated that my account number has been turned over to " XXXX, Inc. '' for collection. This letter was asking me too forward payment in full or to call the office to arrange payment terms. It also stated that they report to XXXX and XXXX and that it is in my best interest to pay the money or contact them. The end of the letter was signed " Sincerely, XXXX '' Additional comments at bottom of letter : " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this. Or any portion thereof, this office will assume this that is valid. If you notify this office in writing within 30 days from receiving this notice that the debt, or any portion thereof, is disputed, this office will obtain verification of the debt or a copy of a judgment against you, & a copy of such verification or judgment will be mailed to you. Upon your written request within the 30 day period, this office will provide you with the name and address of the original creditor, if different from the current creditor. 
This is an attempt to collect a debt. Any information obtained will be used for that purpose. 
This communication is from a debt collector. '' I believe that this is a fraudulent company whom is attempting to steal money from me and possibly steal my identity. When I contacted the number to inform them that any or all of my medical debt has been paid in full, they were rude, demanding and very unhelpful unless I exposed personal and/or important information about myself. They refused to discuss the matter any further until I gave them my birthday, social security number and other information that I am NOT comfortable giving over the phone. When I research the company online through the XXXX there were endless complaints about this company being fraudulent and harassing other people around the United States!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: AS OF TO DATE THE COMPLAINT LISTED IN THE PAST COMPLAINTS HAVE NEVER RESPECTED RIGHTS OF MY FAMILY AS GOOD CONSUMERS. OUR HOUSE LISTED AT XXXX XXXX XXXX, XXXX, GEORGIA IS WITHOUT THE PROTECTION UNDER LAW AS IT RELATE TO THE 14TH AMENDMENT OF THE CONST. ; GEORGIA LAW OR XXXX U.S.CIVIL RIGHTS LAW : CHAP. XXXX, XXXX ... .THE FRAUD MUST END WITH HUD AND OTHER GOVERMENT AID AND ABETTING THE FRAUD OF XXXX. ( XXXX ) AND XXXX. COVER-UP.PLEASE READ THE ATTACH COMPLIANT FILED XXXX AND {$250000.00} IN DAMAGES.

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 09/30/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, 2015 the XXXX area went through a flood for the fourth time in less than ten years. As the residence go through the rebuilding and repair process, we find out that you are not in good hands with XXXX or Greentree Servicing ( Ditech ). 
XXXX insurance company finally released the funds in complete to myself and the mortgage company Greentree Servicing ( Ditech ). The funds have been in the hands of the mortgage company since XXXX XXXX, 2015 and still has not paid anything out. 
XXXX initially promised a check to take care of emergencies now, i.e., to take care of the water heater, furnace, etc. That never happened. They informed me that they should be able to release a check within 7 - 10 business days. Once again it never happened. In good hands is a statement that XXXX should not be using. They did n't take care of any emergency funds. 
After three and a half months none of the repairs have been completed because no funds have been released. All the paperwork has been filed with Greentree ( Ditech ) since XX/XX/XXXX. The mortgage company has made my contractor fill out the same tax paperwork now five times and there is only XXXX possible ways to fill this out. 
Since the flood I have been boiling water to take a bath. As it starts to get colder out now, I 'm having to use space heaters to keep the place warm. I have now stopped paying my mortgage so that I can either move out of have the funds to fix what needs to be fixed. 
On XX/XX/2015, I was called an XXXX by one of the Greentree ( Ditech ) employees for not knowing how to manage my money. I am now getting hang up calls from these people. They call me every day telling me that I owe them, but they do n't want to hear that they owe me for the services that need to be done. 
At this point I am being driven away from my house. I am getting sick from lack of hot water, lack of possibility to get warm, and there is mold growing in the house causing me to cough uncontrollably. 
I have no other options at this point, but to move. My health is now a factor and no funds are coming. How do I possibly get out of this? How can they expect me to stay here with the house in this condition? How can I be getting harassed by this company that wo n't help it 's customers? 
I do n't know what else to do, but move. They have made it so hard on just fixing my house. I 'm completely exhausted. Everytime I call Greentree ( Ditech ) it is over an hour on the phone and if they do n't cut me off, I get treated like I 'm the problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My current address shows as XXXX XXXX XXXX XXXX XXXX, CA XXXX. It should be XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MS).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Chase Bank charged me {$100.00} for an unrequested Amazon Visa card, using an old address and a former name. I did not discover this for over a year, at which point the charges were up to {$280.00}. This ruined my credit. I was denied a loan. I am out {$750.00}. I discovered the problem after ordering a credit report.
I spoke with Chase. They said they thought I " would appriciate the Visa card, since I am a long time Amazon Prime member. '' Chase should be severely fined.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: From XX/XX/XXXX-XX/XX/XXXX ; Equifax has been harassing me and showing careless lack of concerns.Now I am at the point that I need your help to report this to the senator of my state. I asked Equifax for they ( Vice President ) Name/Numeber/Address and Email. They refused, also used in subordination towards me. I have filed several complaints before this point with them. No response has been giving ; leaving me to believe that they did n't report nor submit all my complaints:XXXX-of them! I spent my money mailing, faxing and sharing my personal information. By law they was suppose to remove a 7 year inquiry. Keep in mind I feel I have a lawsuit on my hands being the victim, because I was incarserated and I did not authorize nor request any fradulent activities that are on my account. Please take charge to handle procedures and civil constitution rights of a victim of unessary identity theft. I have names/dates/times that I was harass by Equifax. 

Note : My XXXX experience with Equifax has been prolong and critize and ridicule as a victim to be a mockery, maybe it 's Equifax who submitted and wide openly shared my personal information to have my file corrupted! 
Euifax is full of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: For the last month and a half I 've been dealing with the the following loan consultant from Wells Fargo in XXXX. She 's now missed my closing deadline, lost sensitive financial information that has been given to her numerous times, requested ridiculous information with out providing any explanation as to reason why? requesting multiple signatures on the same files and records that have been provided to her, that are redundant, requesting information that can not be produced, and truly unnecessary ... I can go on, an on, and provide back up to any of my claims as I 've kept records of the information she has missed, and the requests that so capricious to the point of being racist. Unsure as to where to go, and what to do for answers and help, i 've reached out to her manager, to the baking institution and nothing seems to make a difference ...! It might be to late for me now and I might end up loosing quite a bit on this transaction for my new home that should have been extremely simple. But wanted to share my frustration and bad luck, in case it helps others avoid this same experiencing with this individual from Wells Fargo ( with XXXX ID XXXX ) XXXX Sincerely,

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 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This complaint is against Equifax Credit Reporting Agency. An account called XXXX XXXX XXXX XXXX with XXXX XXXX in XXXX, KY appeared on all three major Credit Reports. It is not mine so I wrote to all three companies and asked for removal. They all 'claimed ' to have investigated my request. Both XXXX and XXXX removed it as, " not able to verify account. '' Equifax said they verified it was mine. I wrote Equifax and asked how they investigated 'this ' account and what proof they collected since no one had proof of the account. They sent me a generic print out of, " the way investigations are typical handled ''. They wrote a letter saying, " they confirmed the debt belongs to me '' but offered no proof. I requested this information from Equifax a total of five times with the same generic print out being sent to me. So I wrote a letter to XXXX, the collection agency and asked what proof they had. They also had no proof. They sent a print out saying the name of the original company ( no address, nor phone, no email, no servicing address, no list of services, no explanation, no bills, no copy of contracts - nothing ) and a date. Since I still had no proof of a debt, I already knew was n't mine, I filed a complaint on XX/XX/XXXX with the Consumer Financial Protection Bureau ( CFPB ) # XXXX against both the collection agency and Equifax. I also filed a complaint on the same day with the BBB ( Better Business Bureau ). I demanded legit proof or deletion. The collection agency XXXX responded they would re-investigate and obtain proof. I then called XXXX XXXX XXXX to discuss/assist with the investigation ( spoke with a manager " XXXX '' ) since I knew it was n't mine and I wanted this account removed. XXXX XXXX did respond at the end of the new investigation deadline on XX/XX/XXXX with a letter through the BBB saying they will request a removal with Equifax since they could n't obtain any proof of said debt with the original creditor. However, Equifax who also claimed to have opened a new investigation responded yesterday on XX/XX/XXXX in an email case # XXXX that they completed their investigation and confirmed it is mine and wo n't be removing it. If the collection agency was not able to obtain proof then how did Equifax " obtain proof ''?

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I recently applied for income based payments with Navient which was required by employer to enroll in forgiveness plan. I have been in this plan for just a few months and was paying what the account said I owed. This morning I received a 2nd deliqunecy notice ( though I never had a 1st, or had any money owed reflected on my account until this morning ), sta. I spoke to a rep this morning, and was told this was an old deliqunecy, but could n't explain why I was just recieving notice of it now, nor could she really explain why this never showed as money owed on my account. She offered forbarence as a way to make my account up to date, which seemed my only option, for understanding where this money owed was from did not seem available. The rep seemed unwilling to get to the bottom of this quandry and found a quick fix to get me off the phone. Up to this point I have not had a problem with my student loans, but this seemed quite troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Mortgage (FHA mortgage) with STONEGATE MORTGAGE CORPORATION (OH).
Issue: Loan modification,collection,foreclosure

Complaint: In 2014 i was laid off work and have still not found full time work. I have been trying to get an many hours on as needed bases. Still not able to make ends meet my husband was in a accident in XXXX XXXX and off work XXXX mths. We really fell behind. Discussed with Stongate mortgage our situation and inability to make payments. They recommend we fill out a borrower assistance form. I did XXXX in XXXX of 2014 and I was told I had to send another XXXX cause the XXXX XXXX expired. The XXXX XXXX sent XXXX XXXX. I sent a hardship letter, expense form, pay stubs ( multiple times ), and bank stamens ( multiple times ). Every time I call them I ca n't get any information. Now they tell me I 'm in foreclosure after I have sent all these papers in. They tell me that someone has tried to contact me but I have no voice mails from them. This has been going on for about a year and no resolution. Please Help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (KY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I am a XXXX - year- old senior citizen who has been severely taken advantage by XXXX They used deceptive sales tactics to convince me to pay a hefty amount of money. I have come to realize that he knowingly and falsely promised me services he knew would lead nowhere and prove to be unsuccessful. 

He was talking about web hosting etc ... he said he would use keyword phrases that would put my website visibility in XXXX front page, even though I mentioned I had little experience or working knowledge of websites. However, the representative very adamantly insisted that I didn't need to have too much participation, because everything would be handled for me and it would be very easy to be successful. That has not been the case. 

The contract also states something about visibility listing scores yet when I search the company name nothing comes up unless a parenthesis is added. That is not the way anyone would go about searching. 

All I know is that I was coerced into paying for a very basic service, not at all the way it was described to me, what I paid for is not what I expected. I would like a refund of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (SD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Continued to call my place of employment which is a federal office. I have instructed MCM clearly to never call my office yet they continued to do so. They 've also purposely placed a false address number for our home so that a neighbor would receive the mailing by mistake to instill embarrassment. We 've instructed our correct address many times but they refuse to change it due to their well known and previously documented illegal collection practice. We 've also requested multiple times to send a detailed history of payments and balance. They have refused and claim they are not required to send a complete history of the account.

Company response to consumer: Closed with non-monetary relief