milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (AZ).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX 2016 my wife submitted a payment of approximately of XXXX to Wells Fargo. On the date, there was a correspondence mailed to our house which was " Notice of Default and Requirement of Strict Compliance '' On the document the box IS NOT CHECKED which denotes that " Wells Fargo Dealer Services is informed and believes that you are also in default. '' In other words, the letter suggests future action, but is not checked for immediate action as of XXXX XXXX. On XXXX XXXX, Wells Fargo initiated the repossession of our vehicle despite this correspondence not having the check noted for possible repossession. So, the car, according Wells Fargo 's own paper work should not have been taken. XXXX XXXX XXXX charged XXXX for taking my car and this also cost me 1 day of work, approximately {$200.00}. ( XXXX XXXX XXXX XXXX XXXX. I also had to pay XXXX for a XXXX and the time and frustration of getting my car back etc. 
Wells Fargo claims that they called me, but I did n't talk to them directly and this written compliance form is not accurate based on the actions of Wells Fargo and XXXX XXXX. 
Further than all this, I wonder : is it reasonable to tow a car out of someone 's driveway about three weeks after an attempt to make a payment, which is off by XXXX dollars? And sending a document without setting expectations for repossession? And no record of talking to me in person? I think that Wells Fargo not only broke its contract but harassed me and caused me two days of grief, even shortly after we made an effort to pay them. We had no history of not paying regularly. We have a record of some grace period payments due to over business but not an inability to pay.

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 06-04-2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: " I sent in a letter requesting an investigation of inaccurate items on my credit report. I included a copy of my state issued photo id for identity and address verification and a copy of my XXXX. They sent me back a letter saying it was suspicious and possibly not me. I then called to confirm that it was in fact me that had requested the investigation, and was told by Experian representative that they do not accept dispute letters by mail. To me this is a blatant and intentional violation of FCRA, and they publish an address to send disputes to. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Our Bank of America account XXXX reported a charged-off balance owed of {$4700.00}. After numerous attempts to have this removed legally, we decided to pay the reported balance owed. On XXXX/XXXX/2016 we received confirmation # XXXX from Bank of America for payment of debt. I havre also retrieved the cashed check showing the debt paid on XXXX/XXXX/2016. However, the XXXX credit bureaus of XXXX, XXXX, and XXXX are not reporting this account correctly. The account should be reported as {$0.00} balance PAID IN FULL account closed. However, for example, XXXX will no longer allow me to dispute this account because of past attempts to resolve it. This is in direct violation of my rights as a consumer and the Fair Credit Reporting Act, 15 U.S.C. 1681 ( " FCRA '' ). The account needs to be reported correctly by all three reporting agencies so that I can move forward with my life now that this 6 year issue with Bank of America has finally been resolved.

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 07-03-2016 about Student loan (Non-federal student loan) with NELNET, INC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I graduated from the University of XXXX XXXX in XX/XX/XXXX and consolidated my loans with Nelnet. I now make payment for the private portion of my loans to Firstmark Services and Nelnet for the Federal. ( I believe they 're one in te same ) I was to receive a 1.00 % interest rate reduction after 48 months of ontime payments for my private loan. I was to receive a reduction to my federal loans also which I finally received after fighting them on it! I have always made on payment for both loans. For some reason they are saying that for my XXXX/XXXX/XXXX payment it was received on XXXX/XXXX/XXXX and therefore late and I do n't qualify for the private loan discount. They changed my due date a few times throughout the period. I do n't understand why I qualify for one and not the other? Most Likely because it was originally a {$61000.00} loan and they collect more Interest. If you look at my repayment history you will see I have been very diligent about payments. In fact I 've never missed a payment on anything in my life! Especially this loan. After over 11 years of payments my balance is only down to {$44000.00}!!! I feel completely cheated that they wo n't honor the interest rate discount. They wo n't provide me with proof of the payment invoice showing the date. The payment was made electronically. I need help resolving this matter. I feel taken advantage of by this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Representatives was discussing my account with another person while being unaware that my voicemail was recording. Representative stated my name, when I opened my account, the status, and said that I stole everything. Representative never addressed me on the voicemail communicated that they are attempting to collect a debt. Once the representative realized that my phone was recording she disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been working in a XXXX XXXX for the last 9 years. My loan was sold from XXXX XXXX to Navient in XX/XX/XXXX. I was under the impression from Navient, starting in XX/XX/XXXX that I was making payments under the IBR ( Income Based Repayment ) plan, and these payments would go towards the Loan Forgiveness program for being employees through a XXXX XXXX  that is in a high risk community. They assured me and provided a spread sheet showing IBR payments and tallying how many towards the 120 payments that were required. Then,XX/XX/XXXX, I filled out the government form to track how many payments were left, since I made about 96 payments, so I could have my loan forgiven and I was told that there was no record of my payments, and I was supposed to consolidate with XXXX XXXX even though Navient miss lead me stating that it was consolidated. I consolidated with XXXX, and now Navient is stating that they have no record of any payments made to them, and that I never had an IBR set up. Every year, I filled out the reapplication, sent tax information, etc. to Navient, thinking I was doing what I was supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX - Spoke with XXXX and setup payments of {$320.00} at the end of every month to get loan back on track ( recovering from layoff ). 

XXXX - Spoke with XXXX and was told that I needed to make a payment of {$1400.00} in order to keep the loans from default. I told her I would call back XXXX to make the payment. 

XXXX - Called and spoke with XXXX to make the loan payment of {$1400.00}. I was advised that the payment would need to be split into XXXX payments of {$970.00} and {$450.00} respectively. XXXX also advised me that it would be a good idea to move the date of the payment up a bit in case I had another emergency, that way I could contact them and workout some sort of arrangement before the end of the month to keep from being late again. I told her that I would consider it and call back if I wished to do so. 

XXXX - Received a call from XXXX stating that my loans were in default because the {$970.00} payment that I made on XXXX did not go through. I told him that they must have made a mistake because the funds were debited from my account on XXXX/XXXX/16. He said the he did not doubt me and asked me to email a copy of my bank statement to his supervisor XXXX XXXX. XXXX also stated that he would give me a call the next day after he heard back from XXXX. I emailed XXXX a statement a few minutes later after I got off the phone with XXXX. 

XXXX - Received a call from XXXX letting me know that my case had still not been resolved. Knowing that I had a scheduled payment at the end of the month I asked him if it would be affected at all by the current situation to which he replied " everything is fine. '' XXXX - I received a call at work letting me know that my loans had been defaulted because the XXXX payment came in late due to bank closure from the holiday ( meaning that the anybody who has an automatic payment setup at the end of the month is late ). Now my private loans with Navient are in default.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Trans Union is ignoring all my requests to investigate, verify and remove the accounts from my credit report that do not belong to me.

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 02/25/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$2000.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: The purchase was made online at XXXX XXXX XXXX in late XXXX. The amount was listed as XXXX XXXX XXXX XXXX XXXX XXXX on my credit card, in the amount of XXXX, This was in WI, I have never been there nor have done business with this company at all, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Debt collection (Credit card debt) with Complete Credit Solutions, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I have made a purchase with  XXXX   XXXX  in  XXXX . Unfortunately, in  XXXX  my my wife lost her job during the recession and could not afford to make payments. They have called me at work and asked me why I stopped making payments ( I was appalled that they would even call my place of work ) but I have told them our situation. I was not offered a payment plan but instead was placed in collections.  <P/> The statute of limitations has long passed, however, while I recently reviewed my report, I noticed I was placed back into collection in  XXXX   XXXX  again after more than 7 years without ever talking to them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Student loan (Non-federal student loan) with Van Ru Credit Corporation (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was attending XXXX University ( online ), my term started XXXX/XXXX/15 and ended XXXX/XXXX/15. On XXXX/XXXX/15 I informed my student advisor due to a XXXX and health factors I need to drop out of school. After having to call again on XXXX/XXXX/15 because no action was taken and speaking to XXXX different student advisors and XXXX financial advisors I was able to drop my classes and was told I had to pay before I could attend classes again which I was fine with. XXXX/XXXX/15 bill from XXXX University showed no charges and the XXXX/XXXX/15 bill showed the charges for the classes I dropped. On XXXX/XXXX/15 I got a call from Van Ru Credit Corporation stating I have not paid my bill in 131 days ( which would be XXXX/XXXX/15 ) and the XXXX term that I owed for did n't even start until XXXX/XXXX/15. She also stated that at 135 days that they would start tacking on interest and report to credit bureaus as bad credit. I tried to work with XXXX University where XXXX people there and XXXX people at Van Rue Credit told me that they were not a part of XXXX University and they could n't help me. So I did n't even have a bill saying what I owed until XXXX/XXXX/15, was threatened that I only had 4 days to pay on XXXX/XXXX/15 or it would be reported to credit bureaus as bad credit, and that I had n't paid in 131 days even though the classes I was paying for had n't started till XXXX/XXXX/15 which was only 86 days from the first phone call I received about it, and only 3 days from the first bill I received regarding the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-04-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (KS).
Issue: Other service problem

Complaint: I have been locked out of my Coinbase.com account since XX/XX/XXXX. I sent a message to Coinbase.com, via there online support/email system, asking : '' How do i get my account enabled ''. I have a considerable amount of funds in this account and have n't heard from them since XXXX XXXX XXXX This is the last message that I received from them : " Hi there, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Please let me know if the matter develops further as we investigate. ''

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Amazon and XXXX XXXX are reporting the same debt as a collection on my credit. I contacted both companies with an ID Theft Report proving to them that I was the victim of Identity. I have not received any financial gain from the account listed. 
The entities named above validated the debt as mine, yet they did not provide any documentation legally linking me ( XXXX XXXX XXXX ) to the accounts. 
The problem with their validation is : 1. The accounts are linked to an address that he has never resided at. 
2. according to the FCRA the number one way companies validate an account is through a signature neither of the entities above have done so.

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 01-10-2018 about Vehicle loan or lease (Lease) with MERCEDES BENZ FINANCIAL SERVICES (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I returned a XXXX XXXX at lease termination XX/XX/XXXX, all lease payments were made on time. Mercedes Benz represented to me that if i leased a new car from them within 60 days of lease return they would waive and/or greatly reduce turn in fees. I leased a new Mercedes about 2 weeks after the previous vehicle return and obtained lease financing from MB Financial ( same lender on both leases ). I returned the second MB in XXXX, all payments were made in a timely manner, I received and itemized statement from MB on the 2nd car for additional fees and promptly paid them. 
I am vehemently disputing the vehicle turn in fees on the first MB because I was never notified in writing of any amount due until approximately 4 years and 10 months after lease termination and never have received an itemized summary. I responded to the collection agency within the 30 days of notice of debt with a letter from my attorney disputing the amount with case law support and MB continues to report wrong and derogatory information on my credit file with all 3 bureaus. MB have their facts wrong on why they waited for almost 5 years to notify me of this claim. MB is reporting incorrect information on the second vehicle and using it as leverage. I believe I am being bullied and harassed by MB when they have no right under the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
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: This company is a cheat and a fraud, I disputed some charges as fraud from the year XXXX, XXXX and XXXX in the first week of XXXX XXXX, I was told that a decision would be given on XXXX/XXXX/XXXX but when I called today at the capital one, I was just being transferred from one department to another. The charges are around {$8000.00}, but I was just placed on hold and no explanation was provided. 

I spoke with the employee XXXX  today, her employee Id is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Deposits and withdrawals

Complaint: Well, I called bank of America due to a charge I did n't authorize on XXXX XXXX, and noticed, because I got an alert about my account. So, I called optimum and they said at this point they ca n't help me get my money back, but my bank should be able to help you. So I call bank of America customer service and get the nastiest lady on the phone, she does n't even let me finish, and I explain my problem and she says there 's nothing we can do for you bye and just hangs up! I am upset and thrown back by this! I get a call from the claims dept, and call back and nobody answers or calls back ever!! I have called twice already and left messages and nothing. At this I do n't want to deal with anymore rude people from the bank and just want the bank to plz reimburse me my {$210.00} I never authorized to be taken out my account.

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 monetary relief
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized credit inquiries on credit reporrs

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2017 about Debt collection (Other debt) with Rent Recovery Solutions (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ive recently been trying to get the matter of a debt that was placed on my credit resolved. Due to this debt being falsely placed on my credit report ive tried different options with no success. Ive sent 609 letters asking for them to validate the debt with no luck its been over 4 months with nothing. Recently i called them directly and was transferred to a XXXX XXXX. it was stated that they have no clue how the amount came about and would have to investigate, i was told it would ake 48 hours, 48 hours passed by no update so i called them back only to be notified that they still are investigating where the balance came from. So i asked the rep you guys basically reporting a debt you have no clue about she stated they 're still investigating. I told her this needs to be deleted off of my report because its inaccurate in a nutshell she told me no.

Company response to consumer: Closed with explanation