milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Titan Receivables, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to get collections letters from a Titans Receivables advising that I owe money from a bail. I have never bailed out anyone and I do not know anyone by the name of XXXX. The bill is also spelling my name incorrect. This may be identity theft but I am not sure since I have not lost my ID in years. This is not my bill. The first bill stated a little over XXXX dollars, now I have bills stating {$3500.00} and {$4000.00} as if this is collecting interest on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: I went to open an account & get a cash advance with BOA on XX/XX/2016 in XXXX XXXX, NJ. Everything seemed ok & I was provided with a new temporary check card. I have $ XXXX in a XXXX account along with a credit card so I was entitled to gold preferred checking. I went to use the acct. yesterday & could n't. I made a call and found out that it was closed & I need to go in to get a cashier 's check for the {$1500.00} sitting there. I went to BOA in XXXX, NJ XX/XX/2016 @ XXXX & did n't leave XXXX XXXX cuz no one wanted to listen so I could explain. XXXX I sat with XXXX ( sp? ) & she looked at the acct & sent me to the teller. She mentioned that it was pending closing but that my card was shut down. The teller XXXX was extremely nasty & wanted to pass me back off immediately to sit back with XXXX ( sp? ) because she made me input my card & pin # which would n't work cuz the acct was closed which I tried to explain to her. She said " well how are you entitled to the funds ''? She would n't let me explain & told me they have to phone the call ctr. I was on hold in XXXX 's office for over XXXX minutes & finally someone answered the XXXX & told her exactly what I said & she brought me back over to the teller line which I stood in for another XXXX minutes because the woman mgr. decided to take the woman behind me in line to help with obtaining checks while the teller was bz with other people. So, I had to wait for the XXXX to come back over to walk XXXX the teller thru the process for to now get the $ $ that I XXXX came in for. XXXX asked me if I had my driver 's license which I provided to her over XXXX minutes prior as if she did n't remember. Meanwhile, the customer service people I spoke to the night XXXX could n't give me any info for while they closed the account and I felt like I was a criminal. I know I had all of the credentials necessary that qualified me for the gold preferred checking. So, I was given XXXX addresses to contact for further info regarding the acct. Office of the XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX BOA, XXXX, XXXX XXXX XXXX, XXXX, FL, XXXX and I was to reference the account #. Getting back to my experience in BOA in XXXX, NJ. I never got an apology from anyone of them I spoke with XXXX XXXX people ) for not fully understanding the matter at hand for a quicker resolution ; nor did the XXXX seem to mind that I was waiting for over XXXX minutes because her employees did n't understand my dilemma and yet she had me wait additional time for her to take another customer ahead of me. I was appalled & disappointed with the complete process.

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 11/24/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Deposits and withdrawals

Complaint: I made few claims and Wells Fargo approved them in writing. Wells Fargo informed me that my " account should be credited in the amount of $ XXXX within XXXX business days ''. However, that did not happen. I communicated with Wells Fargo and I posted on their XXXX and they kept delaying me and wasting my time. I still have all my proofs in writing that Wells Fargo can never be able to deny. The amounts are : {$12.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo ] {$18.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo ] {$18.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo ] {$17.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo XXXX {$16.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo XXXX {$24.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo ] I am kindly requesting your help to be able to receive the money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-08-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My loan is a former Wachovia Mortgage now my servicer is Wells Fargo Bank. I am employed by XXXX XXXX through University of XXXX XXXX. I was on XXXX and workers comp and I informed Wells Fargo early in XXXX that my employer made a mistake in my payroll and for 3 months I was not paid. However, Wells Fargo stated over the telephone that I did not qualify for a loan modifications and that I had to participate in repayment plan to pay the arrears that payment was {$5000.00} for 3 months, the regular mortgage payment was {$3500.00}. In XXXX XXXX, I returned to work and did not receive a pay check, again I informed Wells Fargo Bank about the discrepancy in my pay, this time they threaten me with foreclosure and stated again that I did not qualify for mortgage assistance. I filed a complaint with the Executive Office on Monday XXXX/XXXX/XXXX, for Wells Fargo about their resistance to review me for a loan modification, I received a case # XXXX. However, when I called back to Wells Fargo and spoke to a XXXX XXXX in the Executive Department who said the only thing he saw was that I was sent to foreclosure and saw no complaint. Then began a flip and condescending conversation between he and I. He seem to take delight in my being upset and never once offered me mortgage assistance in the form of a application

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 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Home Loan Center, Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom it may concern Company 's use my personal info in connection to fraud and identity theft in order to opening frudentelly accounts to opten service and Good in behelf of me using my personal info such as ssc #. Dob. Address. Emails. 
Without of my concest or permission or authorization. 
As financial institution appears and raised according to date and time as reflect on national credit bureau as following XXXX XXXX XXXX XXXX XXXX Lending tree

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (IN).
Issue: Problems when you are unable to pay

Complaint: On yesterday, XXXX/XXXX/16, I spoke with a representative at Ally Auto in regards to getting a three month extension on both of my auto loan accounts due to me recently getting laid-off on XXXX/XXXX/16. She stated that I would have to pay 60 % of my monthly payment in order to get the extension. I explained to her that I recently laid-off and that I just applied for unemployment and that will not kick in until the next few weeks, which is not even half of the income that I was getting before. She stated that there was nothing else she could do. Three months would give me enough time enough time to find another job and catch up. These accounts are SCRA accounts and do n't understand how the representative could n't do anything else.

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 08/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with BC SERVICES, INC. (SD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX committed fraud and created overdrafts by hiding true balances and re ordering transactions -- - and was sued and they lost -- - court order states these debts created by the fraud not supposed to exist -- - after years of fighting credit bureau of XXXX now this XXXX thing is now from bc services -- - origionally did give credit bureau of XXXX the court order but they still continued now sold it knowing court says debt not exist and this is past statute of limitations and letter has nothing about the past limitations and starts off as return top part with payment on it making people think it just now created and owe no matter what -- - these collection agencies never give up even knowing court says debt not allowed to exist -- - account XXXX

Company response to consumer: Closed
Consumer complaint received 03/31/2018 about Debt collection (Medical debt) with R.M. Galicia, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I requested validation of debt via live signature contract and I received no information back regarding validation of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MD).
Issue: Taking out the loan or lease

Complaint: Around XX/XX/XXXX, I purchased a brand new car ( XX/XX/XXXX XXXX Versa ) with a goal of having the car for five years or at least XXXX miles. XX/XX/XXXX, the car started giving me problems, after researching the problem there was a power train issue, which XXXX has an extended warranty for my make and model. After having the car for over a week, XXXX returned the car to me in the same condition. The next day, I returned to car to XXXX, they currently have the car running more test. In addition to not fixing the car, the car failed inspection and XXXX gave me a bill for {$1600.00} to fix the car to pass Maryland state inspection. XXXX ripped me off, I purchased a {$10000.00} car, paid {$30000.00} for the car, it has a balance of {$13000.00}, appraising for {$6000.00} with less than XXXX miles, a refurbished engine and I can not legally drive the car in the state of Maryland. 
On XX/XX/XXXX, I went to purchase a new car and was told that I would not be able to be financed because of the Versa having a balance of {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Balance transfer

Complaint: I opened a Slate credit card with Chase and submitted a request for XXXX balance transfers to consolidate all of my credit card debt to my Chase Slate card. Of the XXXX cards with balances, only XXXX of the balances was cleared by Chase. The other XXXX ( XXXX and XXXX ) still show a balance on my accounts. I am now being charged interest and late fees because Chase posted my balance and indicated they had cleared the balance from the other accounts, though they had not. Chase is now telling me I have no recourse but to wait 30 days for them to " complete an investigation ''. In the meantime I am racking up interest charges I am not sure I will get back.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Late fee

Complaint: On XXXX XXXX, 2014, I made a payment for {$100.00} to Capital One Credit Card. After completing my payment I obtained a confirmation number XXXX. A XXXX later I get a late fee and higher minimum payment in my Capital One credit card statement. I contacted Capital One and spoke with representative ID XXXX and he apologized in behalf of Capital one and removed the late fee and fixed the issue of the bill statement. He also stated that this issue was not going to be reported in the credit bureau as it was a clerical error done by Capital One. However, I pulled my credit reports and Capital One has entered a late payment of XXXX days in all of the credit bureaus. I have called and I have sent XXXX letters to them so they correct the wrongful entry in the credit reports, but they continue to respond that I was late and that I did not make the payment. I have the confirmation number and the ID of the representative that I spoke with a month after. This is totally unfair practice and bad faith it should be corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2018 about Payday loan, title loan, or personal loan (Payday loan) with Flurish Inc. (IN).
Issue: Charged fees or interest you didn't expect

Complaint: I believe I was overcharged on loans I payed off early.. I have been charged {$36.00} to {$38.00} on loans I payed off early.., Shouldn't the amount of interest collected be adjusted for the early payoff.,

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MS).
Issue: Loan modification,collection,foreclosure

Complaint: Since XX/XX/XXXX have submitted three ( 3 ) mortgage modification packages to Wells Fargo and updated last package five ( 5 ) times. XX/XX/XXXX, after receiving no responses to packages or updates from the WF mortgage specialist, had WF customer service track him down ; this took several additional months. The mortgage specialist stated to the customer service rep he cancelled my package XX/XX/XXXX, due to no responses from me ; I was the only person responding. After review of my files, located a letter, dated XX/XX/XXXX, from the mortgage specialist stating he had received my package and was processing the paperwork ; Odd ... .processing a package he cancelled two months prior. XX/XX/XXXX, after many complaints concerning this mortgage specialist, I was assigned a new specialist, who immediately stated he showed receiving no paperwork from me. All my paperwork is Priority Mailed to WF ; have receipts to show delivery. Forwarded all the latest paperwork to new specialist ; as of this date no responses to paperwork. XX/XX/XXXX, my home was put on the Foreclosure Auction Block without ( as of this date ) receiving any responses to my packages or updates. The last letter received from Wells Fargo concerning my requests for information was the same obtuse rhetoric and stating they were following all the guidelines set forth by CFRB.??????????????????

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 09/26/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: This relates to public service loan forgiveness and credits for the 120 student loan payments that must be made. I am complaining again since the response by Fed Loan servicing was that they will send me a copy of a print out from years ago to address my complaint. Insufficient. I now attach a print out clearly showing dozens more payments toward public service loan forgiveness than the lender shows ( thus making it necessary fgor me to work YEARS LONGER ). I have made payments of over {$800.00} a month for years and have been forced into countless forbearance situations to allow the 3 different lenders servicing my loans since XX/XX/XXXX to address many transitions and failures along the way. I am not getting proper credit for payments I made. I want fed loan servicing to make adjustments to the credits for payments made during forbearance. I am NOT ASKING FOR CREDIT THAT PREDATE THE XX/XX/XXXX PROGRAM. Do n't make that part of your absurdly inadequate response. I can not get a record of payments before XX/XX/XXXX but just since then I show 41 full monthly payments made. I am showing 19 payments made. THAT 'S NOT EVEN 2 YEARS and is a joke as far as even closely resembling accurate records of my payments. It 's not even I request records going back to the beginning of my enrollment and for proper credits to be issued and for the errors of the lender to not prevent credit ( things like putting me in the wrong program, failing to notify of program changes, it taking 4 months to make a determination or a year to transfer records where during those times no payments would be credited ). I will have to join the class action lawsuit requesting judicial relief if this can not be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Submitted POA ( Power of Attorney ) Documents, ID 's For both my mother and myself, and Theft of Identity complaint for my mother XXXX XXXX to Equifax. 
Attempted to set up credit monitoring with same company and refused based on the POA. Equinox stated on XXXX different occasions they would not honor the POA or allow me to monitor my mother 's credit. Attached are all related documents to date though their refusal grounds have only been given over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Debt collection (Mortgage debt) with QUICKEN LOANS, INC. (MN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have my account set up on automatic payment through my bank since I took this loan out inXX/XX/XXXX at Quicken Loans. Since then, I have made every single payment on or around the XXXX of the month before the month due. In XXXX, I was informed that my payment was going to change because of an increase in escrow needed for the account. I am XXXX years old and I do not use online banking very often. Apparently it was not scheduled automatically anymore after I went in to adjust the amount on my bill pay, and the payment did not go through as desired. I was not, in any way, notified about this problem until I received notice in the mail onXX/XX/XXXX ( Mail was postmarked XX/XX/XXXX ). I contacted Quicken Loans on or around XX/XX/XXXX and asked them about the problem. They informed me of the issue as well over the phone and I received help from my bank to both correct the bill pay problem but also to make a double payment to offset the error. I am filing this complaint because there no notification at all from Quicken Loans to me about this error until well after 30 days had passed. Had they attempted to contact me before it was too late, I would have made an immediate payment to correct the issue before I was 30 days late. There were also no phone calls or any other efforts made to me outside of standard USPS mail. I feel that, as a 5 year customer that has never missed a payment, Quicken Loans could have and should have made a more prompt effort to notify me that there was a problem. By not doing so, not only have they put me in a situation that lowered my credit score by  about 100 points, but, of course, they also were able to collect a fee on me. I feel I am a victim of this non-communicative effort and feel this is a violation of the Unfair, Deceptive, and Abusive Acts Practices Regulation set forth by the CFPB. I want the 30-day late payment removed from the account immediately and I want the fee removed as well. In my effort to contact Quicken Loans about this on the 10th, the customer service rep there was ignorant to the situation and simply stated I would need to file a dispute with the credit bureaus. When I went to do so, there is no option to file a dispute based on the UDAAP Regulation, as there should be. So I am filing this complaint appropriately here. I look forward to a prompt response to this issue so I can straighten out my credit score accordingly and receive the fairness I deserve as a consumer and long-standing mortgage customer of Quicken Loans. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: It took my servicer, FedLoan Services, 6+ months to complete my request to continue my IBR repayment plan. I made an error on the initial renewal application - I ticked 1 box incorrectly - in XXXX XXXX and my renewal was not fully approved until summer XXXX. FedLoan said they were not able to transmit documents electronically, so I had to submit my paperwork via snail mail - there were at least 30+ days between submission, receipt and review at each iteration, then another period of time before new repayment terms would apply. Thus, my repayment options were to either default temporarily or pay the standard repayment amount of $ XXXX mo- vs my prior IBR repayment level of $ XXXX mo ( and I did not trust their advice that defaulting would have no impact on my credit rating, so I was constantly behind at the standard repayment level until the IBR renewal was approved ). During this time, customer service was vague, confusing, and inaccurate on the timing and status of my application - I spent many hours on the phone trying to understand my error, the process and get updates on when it would be resolved. It was enormously frustrating and costly. I understand FedLoan now accepts documents electronically, but given the recent lawsuit and attention to the poor service from these servicers, I wanted to add my experience to the chorus.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Payday loan, title loan, or personal loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Getting the loan

Complaint: I had contacte d Cash Call in order to shop rates for a consumer loan. I did not give them any of my personal information. The  purpose of my call was to only get an idea of what their rates would be in response to their advertising. I spoke with a customer service representative on  XXXX / XXXX /   17  to discuss the possibility of getting a loan with them. The call was for the purpose of discussing rates and terms. After he told me how much the rates were, I decided not to go forward. Again, I did not give them any of my personal information. It is my belief that they " skimmed '' my information from other companies that I had completed an application with. When I called Cash Call to discuss with them that I was upset they had run my credit without my permission, they said that I did give them permission. That is completely false. The dates do not match up either. My credit report shows it was pulled on  XXXX / XXXX / 17  and the customer service rep said it was pulled  XXXX / XXXX / 17 . I have the email that shows when the credit report was pulled. Also, when I asked to speak with a supervisor, they  said one was not available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation