milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-04-2016 about Bank account or service ((CD) Certificate of deposit) with WELLS FARGO & COMPANY ().
Issue: Account opening, closing, or management

Complaint: This is a small complaint about Wells Fargo 's procedures for a Certificate of Deposit : My CD for several thousand dollars was going to mature. I wanted to renew it with a different term. So I called a couple weeks before the maturity date, and an agent told me that I could not put in an advance order for the change, but to call again on the maturity date. I called on the maturity date, and the bank was closed. I called on the day after the maturity date, and an agent told me the CD was already renewed, and could not be retroactively changed. I really think the procedure should be more accommodating!

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: My wife and I worked with XXXX back in XX/XX/XXXX-XX/XX/XXXX to help us get rid of and negotiate some credit card debt. This was completed in early XX/XX/XXXX and we felt wonderful about it. Last week, we went to our bank looking into refinancing our house and one of the XXXX negotiated accounts is still showing up on our credit report showing we owe {$10000.00} when in fact we received documents that we graduated their course and all debts were settled. I 've been on the phone for hours today with XXXX and Chase Credit Card Services and have not had any satisfaction in getting this resolved and the debt removed from our credit statement. I ca n't afford a lawyer to fight this and hope that the Bureau of XXXX will able to make this right. Thank you for your help. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: NationStar foreclosed on the XXXX 's property located at XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. NationStar vastly inflated the amount that was allegedly owed to deprived the XXXX 's of the surplus funds that should have been available after the foreclosure. NationStar then failed to respond to a Qualified Written Request that was sent to them to validate the debt and establish the true delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I got a letter from ERC Debt collectors XXXX XXXX, XXXX, FL XXXX XXXX ( XXXX ) XXXX XXXX. I called them an got through after 3 minutes. I told the representative that this is a falsified debt that I have n't had XXXX in over 10 years and it had been paid in full and that my credit was pulled by real-estate lender 's in the past two years and there was no debt from XXXX or anyone trying to collect a debt on XXXX behalf. They said please hold and they hung up got the busy signal on the phone. I called them back went through the same prompts and got the message to please wait for the next available representative. I waited for over 2 hours an never got through. I called back and same thing happened waited an waited. So I looked online an found that others have complained about this company trying to scam them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Transunion, XXXX, and XXXX with no success. They have refused to update information. Account to be removed : XXXX 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
Consumer complaint received 05/18/2015 about Debt collection (Medical) with Capio Partners, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The following agency, Capio Partners LLC, filed a derogatory record on my credit report, but i did not receive any notification with a right to dispute. When asked about, a representative informed me that no communication letter was sent out. I had no idea this was on my credit report. 

Note : I did pay the debt with my CC because I was buying a car and wanted the record off my report. I was told that the record would be removed, but XXXX confirms it stays on for 7-years. 

I want to make this complaint because I feel I should have been given notice with at least 30-days to dispute the claim. I should not have paid the claim as it was a XXXX case from XXXX of 2010. XXXX paid for my XXXX service, but the hospital, XXXX XXXX XXXX XXXX, in XXXX, PA has been harassing me for more money. 

I was advised by XXXX that I should not pay the false claim and that I should continue to dispute it to avoid records on my credit report, but this collection agency did not give me a chance to dispute the claim. I have never had a bad record on my credit report and this hurt my overall score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-10-2018 about Payday loan, title loan, or personal loan (Installment loan) with Risecredit, LLC (AL).
Issue: Struggling to pay your loan

Complaint: I owe a debt to XXXX XXXX XXXX in the amount of {$3300.00}. I was contacted in writing by XXXX XXXX XXXX in XX/XX/XXXX in an attempt to collect this debt on behalf of Rise. I wrote a letter dated XX/XX/XXXX explaining that I had an open Chapter XXXX case that I was converting to a Chapter XXXX but was willing to make a settlement for 20 % of the amount owed. I mailed the letter to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, KS XXXX. I never received a response from this company agreeing to the settlement or stating that payment was due in full. On XX/XX/XXXX at XXXX XXXX I received a call at my place of employment from XXXX XXXX with Rise at XXXX and XXXX. When I first answered the call she did not tell me what the call was in reference to she only stated that she spoke to me back in XX/XX/XXXX { which is a lie } XX/XX/XXXX was the first time I spoke to this woman. and asked if I had a pen and some paper. I asked her was this in reference to a patient and she said no this is regarding your debt with Rise. I Said to her do not call me on my job but contact me in writing. She started screaming in the phone WE DID WRITE YOU, PAY YOUR BILLS, PAY YOUR BILLS WHILE YOU STILL HAVE A JOB, ARE YOU GOING TO PAY YOUR BILLS? ARE YOU GOING TO PAY THIS {$3300.00} THAT YOU OWE? She was screaming so loud and she would not let me speak, finally she stopped and I asked her for her name again and she screamed MY NAME IS PAY YOUR BILLS. I calmly stated I have your name XXXX XXXX and hung up the phone. I have have struggled with medical illnesses from XXXX { twice }, XXXX, XXXX, XXXX and and car repairs since XX/XX/XXXX and offered to pay what I was able to pay If they plan to sue me that is fine but I do not appreciate being talked to with such disrespect and rudeness.I would appreciate if they not contact me again about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I was on an income driven repayment plan. I was supposed to update/ reapply for the plan. However, during that window I was very busy finishing my first year as an educator. I updated the payment plan as soon as I could, but not soon enough for the interest accrued during the income driven repayment plan to be added to the balance of my student loans.     Now I am unemployed again, and my total balance is thousands more than when I started. Please, there must be some sort of recourse here. I ca n't afford to give away thousands of dollars, especially when my education is n't finished. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: For the past year, I have been unable to make extra payments online. Whenever I try to make an extra payment, I receive an " error - payment could not be processed '' message ... every single time. In order to make an extra payment, I need to navigate to an option that allows me to use the old version of the website, and then I am able to pay an extra payment. Navigating to the old website is not easy to do, no where does it say you can still do this ( I stumbled upon the option by accident ), and this error has been happening for several months and is clearly an attempt to stop people from paying their loans ahead of schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed this information and they keep reporting this account on my report. 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
Consumer complaint received 07-11-2017 about Student loan (Federal student loan servicing) with Premier Student Loan Center (AL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Received a call from Premier Student Loan Center saying they could defer my student loan payment totals and consolidate my loans. I think it is a scam because I tried calling to cancel and opt out, which I was told I could do at any time, and the people answering the phone would immediately hang up on me when I would ask to opt out.

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 05-01-2015 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Closing/Cancelling account

Complaint: American Express refuses to close a Premier Rewards Gold Card. My wife and I close the card, and then American Express claims there are fees ( seemingly a random amount ) that accrued post closing, and seeks payment on them. 
First, Am Ex stopped sending us bills. We discovered this in XXXX, and made XXXX payments to pay off the card and asked that it be closed. We indicated at that time our complaint that we had not received a bill for what appeared to be the last couple months. 
In XX/XX/XXXX, we received a letter stating that the card had been deactivated, and we should activate an enclosed new card if we wanted to make charges. We did not activate the new card. 
Sometime in XX/XX/XXXX, we learned that Am Ex believed there was a balance on our original card. We called and were informed that an annual fee had been assessed. We repeated our desire to close the account, and the representative told us that the annual fee was waived and the account closed. 
On XX/XX/XXXX, we received an email indicating that the account was closed. 
Next, we received an XX/XX/XXXX letter indicating that {$76.00} was due on the account. That was followed by an XXXX statement claiming an {$190.00} balance. 
We called Am Ex on XX/XX/XXXX. We were first told that our balance on the card was {$19.00} and stemmed from a charge from XX/XX/2014. We told Am Ex that such information could not be correct because we paid off the balance since then, and had closed the account. Then, in the same phone call, we were told that the balance was {$75.00} and stemmed from a charge from XXXX from XXXX. We did work with that merchant, and recognized that it was at least possible that they place a charge on this account in error, since this account had been used previously. However, we were concerned that any charge would have been accepted on a closed account. We were then transferred to another XXXX Ex employee who now claimed that we owed {$76.00} on the account. That being the fourth sum quoted to us in this XXXX call, we discontinued the discussion. 
The next day we called the merchant XXXX XXXX. They indicated that they had placed a charge on this XXXX Ex account, but reversed it and billed a separate account. 
We closed this Am Ex account in XXXX. We have authorized no new charges on this account, and have refused to activate the replacement card sent to us. In response, Am Ex has sought to collect wildly variable amounts of money from us on this closed account. 
We ask that the account be correctly coded as closed and paid in full. We ask that written confirmation of that status be sent to us. This zombie card needs to be killed for good, with no possibility of repeating these returns from the grave. 
The written communication we could easily find is enclosed with this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-09-2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (OK).
Issue: Loan servicing, payments, escrow account

Complaint: I would like to dispute the response submitted on Consumer Financial Protection Bureau case number XXXX. I am attaching additional correspondence and would like case to be reopened for further investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Debt collection (Medical) with Pinnacle Credit Services, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My insurance company already paid this bill but for some reason it 's still on my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Medical debt) with Capital Accounts, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: X/X/14    had   XXXX   XXXX  . I was  XXXX   XXXX   XXXX . My parents insurance paid part of debt.  Parent  signed for financial responsibility however collection agency put Debt on my credit report. They have not been able to provide prod of financial responsibility signed by me on  X/X/14

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Credit card () with DISCOVER BANK (MA).
Issue: Billing statement

Complaint: For five years I have never been late on a payment with the merchant. The company, despite receiving returned emails and messages that my phone numbers were no longer in service reported me to the credit agency for my delinquency. The FIRST time the company contacted me by physical mail on XXXX/XXXX/16 I immediately contacted the company and offered to pay the full amount of my bill off but inquired with XXXX XXXX in the CMA department why they did not send the physical mail to me before reporting me as delinquent despite knowing that my emails and phone numbers were both coming back as not being in service. For a simple cost of a stamp my credit would have been saved and I would have paid instantly. My credit took a XXXX point hit for an trivial balance that I would have paid if I had any knowledge of any outstanding balance. The company charged usurious interest rates + late fees of over 350 % APR on this balance.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I received a phone call from one of my supervisor 's ( I am in a federal training program ) called me and informed me that someone was trying to get in touch with me and I only had 2 hours to return the call otherwise they were going to take further steps of action. Out of fear, I did return the call and it was a group called the XXXX XXXX XXXX out of California wanting me to make arrangements to pay off a debt that is not mine. Said they were representing Capital One Credit Card Company. I decided to pull up my credit report and also found where a credit card with the same company had been opened or {$300.00} 's and then paid off so apparently who ever is doing this has done it before. Supposedly the account was opened up in XXXX ( I think this is the date they told me it was opened. I was so upset I am not sure ) and paid on regularly until XXXX and then stopped paying on it. They threatened to freeze my bank account. I am on XXXX and can not afford to have my account frozen. They tried to get me to agree to pay off a {$310000.00} 's with a one time payment of {$900.00} payment and emailed me a contract pertaining to that. I have the phone number which they contact me on and there is a different phone number on this so-called agreement they sent me but no address. The first phone # is : XXXX. The phone number on the supposedly agreement is : XXXX Fax # : XXXX.
I kept trying to explain to this person that it was not my account. You can pull up my credit report and see that. Except the one I just found from Capital One which has apparently been paid off in full which I did dispute.
I contacted Capital One myself and I am waiting to hear from them within 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Struggling to pay mortgage

Complaint: Hello, I am a rec ent widow ,   XXXX   XXXX   on  XXXX , and a senior. My home is financed by  JP Morgan Chase , I have completed and sent in    XXXX    assumption modification packets to no avail. I have submitted to them absolutely everything over and over that they have ask for. Some of the information they requested from me is n't possible. Once I told them their request does n't pertain to my situation or to me they told me that it was a error on their part and to omit that request. I called  XXXX   XXXX  and was blessed that the woman who answered the phone helped me to know exactly what they were asking me for. This is after I spent hours and   XXXX   trying to comply. My denial came with the reason being I DID NOT SEND IN MY DOCUMENTS IN TIME. This is absolutely not true. The loan was in my husbands name with  Chase. However the original mortgage I really believe was in my name also. when we started receiving info from Chase it had my husbands name and my name. Then as time went on it on ly showed my husbands name.   I LOST MY HUSBAND LAST YEAR TO  XXXX  IN    XXXX   XXXX    I HAVE BEEN DOING EVERYTHING POSSIBLE TO SAVE MY HOME. I NEED HELP IN THE WORSE WAY ... I CA N'T MAKE THE CURRENT MORTGAGE PAYMENTS AS WHEN I LOST MY HUSBAND MY HOUSEHOLD INCOME WAS CUT A LOT.   I have done absolutely all that  Chase has ask of me and more. I have complied with it all. I have even had them tell me that I am doing good in submitting all the information to them. I have {$45000.00} approx. in equity in my home. I believe I was turned down because Chase  is wanting the most profitable way. If my interest rate is low ered from 5.25 to the  2 % their profit margin will drop. I am on the verge of hospitalization because of the  XXXX   Chase h as put on me. I was my husbands   XXXX   XXXX   for over 20 months then I watched him as he took his last breath.   All I am asking for fairness. I can make my house note easily if it was lowered to the  XXXX  that it should be which is according to my income and what is being offered now b y HARP. I ca  n't get this nor any other refinance because I am behind on my mortgage payment. I am at wits end and I pray that you will please help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I notified equifax and all the credit card companies that are on my credit report via a business letter. It has been about 2 weeks and I have not gotten any letters in the mail or emails concerning my case.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have paid the balance off and this is still showing on my credit report. I found this out while applying for a mortgage loan and this is affecting the approval process. 



XXXX : ( medical ) opened : XXXX reported : XXXX balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Auto debt) with World Omni Financial Corp. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: The car was repoed. I spoke with a customer service rep and told her I lost my job and couldnt afford the car, I asked if they could come pick the car up bc I wasnt able to pay. No one never came until about 5 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (AR).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: This person from an attorneys office in California is threatening to call HR for my employers if I do n't call him back. The only reason I answered is because I thought it was a job calling that I 'd applied for. He failed to properly identify himself & has an accent that can barely be understood. This message attached is fr om  X/XX/  17.

Company response to consumer: Closed with explanation