milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NC).
Issue: Shopping for a loan or lease

Complaint: I have bought XXXX XXXX 2011 XXXX from XXXX XXXX XXXX , XXXX . I was going through a Bankruptcy at that time. I paid {$10000.00} down and rest financed by Wells Fargo Auto loan. The Finance department said to me that my interest would be 17.990 % because of my bad credit. Since I was in desperately needed of a car I agreed to the above interest. But I realized that they took advantage of my desperate situation and exploited me of my bankruptcy situation. This is unfair because in 2011 the average auto loan interest was less than 3 %. 
I strongly believe that the XXXX XXXX management and Wells Fargo deliberately duped me to pay high interest. 
I have been paying the monthly installment of XXXX for the past XXXX months that equals to {$40000.00} for the loan of {$30000.00}. 
This is unfair and please makes sure that Wells Fargo write off the balance of XXXX and take the lien from the title. 
Paying 18 % interest is like cutting your throat and I work 90hours per week to meet my both ends meet.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Naviant/pioneer attached my wages. I tried contacting them to resolve the issue. I finally had to hire a lawyer to get the matter taken care of. Pioneer was impossible to get a hold of. They repeatedly gave my lawyer incorrect phone numbers and addresses would n't return paperwork. It took three to four months to finally get the information we needed to request a hardship hearing. XXXX I received a hearing decision to reduce my garnished amount from 15 % to 1 %. as of XXXX Pioneer had not sent the letter to my employer reducing the garnishment. As of today XXXX I am still being garnished 15 %. According to Federal Student aid as of XXXX my remaining balance was {$100.00}. My wages were attached for XXXX on XXXX, XXXX on XXXX, and finally XXXX on XXXX totaling XXXX, XXXX over what I was supposed to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of Identity theft and this payday loan was part of that. It was removed from my credit report and now it is showing back on there. I have not even received any information regarding this. The only reason it is showing is because I monitor my credit. This needs to be removed from report.I have a affidavit from the FTC that supports my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The debt account that Im filing a complaint against is XXXX XXXX. The debt was bought from XXXX XXXX/Synchrony Financial in the amount of {$220.00}. On my credit file it is stated that the balance owed is {$0.00} but the debt was bought by XXXX XXXX and reaged on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Bank account or service ((CD) Certificate of deposit) with WELLS FARGO & COMPANY (MN).
Issue: Account opening, closing, or management

Complaint: I recently visited my Safe Deposit box looking for the title to a car I was selling. I found XXXX old Cds ( 1993 XXXX ) that I had forgotten about. I tried to cash them out at the bank ( now Wells Fargo ) and was told that they had no record of the CDs. I contacted Wells Fargo and was eventually told that they have no record and I was out of luck. I contacted the MN attorney Generals office. They went back and forth with correspondence on my behalf with the bank. As of XX/XX/XXXX Wells Fargo told me and the Attorney General the same thing that they had no record and even though the CDs are n't signed that they were not responsible for them. 
The Attorney General 's Office suggested that I contact you to file a complaint. So that 's where we are. I have photo copies of everything including the original receipts for the CDs. 
The original total of the XXXX CDs is {$4000.00}. They say right on they will automatically renew at maturity unless I notify the bank otherwise.

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 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: For 4 YEARS NOW I HAVE SENT IRS release FORMS, HIRED AT MY OWN EXPENSE CREDIT REPAIR COS, AND WRITTEN LETTERS, iNSTEAD OF HELPING ME, THE MATERIAL IS ADDED ERRONEOUSLY AND IS WORSE THAT NEVER.NOW i MUST TAKE A STAND AND ASK THAT ALL 3 COMPANIES REMOVE LEIN INFORMATION ( WHICH CAME ABOUT WHEN i WAS IN HOSPITAL BATTLING XXXX AND COULD NOT BE REACHED ) WHEN ON MY FEET, i CALLED AND ALL WAS PAID OFF.i HAVE LIEN RELEASE INFO FROM XX/XX/XXXX.i LOST MY HOME IN HURRICANE iRMA AND NEED TO RELOCATE* AT GREAT EXPENSE TO ME, A XXXX YEAR OLD.ALL LOAN applications STOP AT LIEN - DO NOT EVEN READ print.AND 1 CREDIT REPORTING AGENCY HAS DATES AND ALL WRONG.iF IN DOUBT GO TO XXXX  COUNTY, FL COURTHOUSE AND SEE WHEN RELEASED.i PAID XXXX XXXX DOLLARS OUT OF POCKET TO FIGHT AN ILLNESS AND OBSERVED LOTS OF HARDSHIP-..i NEED A BREAK. THE XX/XX/XXXX XX/XX/XXXXIRS INITIATIVE STATES FRESH START.i GOT WELL AND PAID..PLEASE ** HAVE ALL 3 AGENCIES REMOVE ANYTHING REFERRING TO A LIEN.iT 'S PAID AND MISCONSTRUED EVEN BY CREDIT REPAIR .tAKE ALL OFF..iRS STATES THAT CUSTOMER MUST FILE FORM XXXX i HAVE DONE THAT TWICE AND THEY RE ENTERED again dates etc.INCORRECTLY..TAKE ALL OFF..SO i CAN START MY LIFE AGAIN- need a home loan.. HOME IS ravaged ..THIS IS A GREAT HARDSHiP TO ME WHO FOLLOWED ALL THE RULES..XXXX  XXXX XXXX XXXX XXXX XXXX, fL XXXX, XXXX XXXX XXXX..THANK YOU XXXX XXXX and staff FOR HELPING ..*XXXX XXXX WHO DOES NOT DESERVE THIS ( there was no box under military for XXXX.My husband is XXXX just me living )

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 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credence Resource Management, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: att, credence resource management and XXXX cobtinue to report disputed account due to identity theft that has been previously filed and certified mail to each parties concerned yet they claim this debt belongs to me after thorough investigation I have asked for paperwork and or validation of the debt and they have not responded to my request

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I did not know how to categorize this complaint. This is in regard to the Equifax security breach that happened somewhere between XXXX and XXXX, but was not reported to consumers until XXXX. I am one of the MILLIONS of consumers whose data may have been breached.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: Requested validation of  XXXX   XXXX  debt, but the credit bureaus keep " verifying ''. I requested information, documentation, contracts, signed agreements for the debts that are being reporting a   negative on my credit profile.
1st req  uest sent certified mail  XXXX / XXXX / 17  ; response was " verified  '' 2nd req uest sent certified mail  XXXX / XXXX / 17  ; response was " verified '' Credit bureaus have not provided documentation on unverified negative records in my credit profile :  XXXX  These items remain on my credit report in violation   of Federal Law.
* Under the FCRA the credit bureau should provide me a copy of the original creditors documentation to verify if this information is mine and is correct.     * These negative records are also listed on my report as duplicate recor ds (   XXXX   times ) cause a significant impact on my credit profile and score ; resulting in credit denial and I am unable to refinance my home to favorable terms.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Southwest Credit Systems a re reporting to  XXXX  that I owe a balance of {$250.00} for  XXXX   XXXX  showing that this was reported  XXXX   XXXX ,  2015 . However I have current service with  XXXX , and have been well before that date.   I do not have an account at the address that is attached to this collection. I have an active account with  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Advertising and marketing

Complaint: Hello - I signed up for a Chase credit card as part of a promotion ( for XXXX bonus miles ) with Southwest Airlines. Southwest advertises this promotion everywhere - every time I go on their website or use their mobile app or even at their terminal in the airport. I clicked on this promotion and signed up with the card ... and some how ended up with a different promotion that I have never seen advertised anywhere. I repeatedly called Chase asking when my bonus miles would appear, and they reassured me that I had to wait, as it takes up to 6 weeks, even after I had waited that long. Finally some one told me that I was signed up for an inferior promotion, that again, I had never seen advertised or described anywhere. So I was basically tricked into something else, and they eventually agreed to change " after the next billing cycle '' a delay that essentially violated the terms of the agreement. Furthermore, Southwest 's response is to claims that it 's " Chase 's promotion '', even though are the ones advertising it, to the point that it is the main thing Southwest is pushing. My take is that Chase is engaging in false advertising, and Southwest is claiming no responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: My American Express credit card was jeopardized on XXXX/XXXX/XXXX, i called them the next day but nothing was done somebody used my credit card I had the credit card in my possession but XXXX did not do anything to investigate until I called them again on XXXX/XXXX/XXXX, 11 days later and my other credit cards were also were hacked why didnt do any investigation and credit my account XXXX, fraud is serious matter and American Express didnt do anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-02-2015 about Consumer Loan (Vehicle loan) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Managing the loan or lease

Complaint: I purchased a car XX/XX/XXXX and the loan was through BMO Harris Bank. I had to take a Chapter XXXX Bankruptcy XX/XX/XXXX. However, I was allowed to keep my car and make the rest of the payments IN FULL to a court-appointed trustee. I paid over {$11000.00} in principal and over {$800.00} in interest ( documentation attached ) to the trustee, who in turn paid BMO Harris Bank. I have completed all paybacks on my bankruptcy and yet Harris Bank ca n't seem to locate my title. They also turned me in to all XXXX credit report agencies as having over {$8000.00} " charged off as bad debt '' which is absolutely not true ( see attached documents ). I have spent hours on the phone, hours writing letter, and hours waiting for return calls that never come.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I pay my TARGET RED CARD on the due date every month. Never late. XXXX XXXX I was charged a late fee. I made the payment on XXXX/XXXX/XXXX, my due date is the XXXX of each month. I was charged for paying on time, this is the 3rd time. After I made the online payment on XXXX I called to confirm they would not slick me and charge a late fee, the customer service rep, told me not to worry, we wont charge you. They keep phone records and time stamp payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/17/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My original loan was with XXXX XXXX at the time of the loan it was being paid to them as scheduled we sent them a lump sum and they assigned monies throughout XXXX loans that instead of paying off the loan the was requested. It was then sold the Navient and for months and months we receive bills that said XXXX amount due. we were then notify that we were in default and started negotiating with them in XXXX XXXX we had trouble doing so so we had to involve another party since then they have reported me to the credit bureau you several times which to me is unfair is that I feel is I am under negotiation and I am not getting through to the right department to finalize.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We were XXXX in XXXX, XXXX until XXXX. We then XXXX transfer to XXXX XXXX, XXXX and decided to leave our family in XXXX so our daughter could complete her final year in high school. We then rented our house out as we were unable to sell it after being vacant for 6 months. We lost the renters in XXXX XXXX. We began working with XXXX XXXX XXXX in XXXX to obtain a work out because we were upside down with the mortgage, behind in payments due to my wife 's medical issues, and unable to rent the house for enough to cover the mortgage. XXXX then sold the mortgage to Select Portfolio Servicing ( SPS ) but did not transfer the work out request to them in XXXX XXXX. We have now been dealing with SPS since XXXX XXXX with no resolution. They continue to ask us for the same paperwork that we have already sent them and this is confirmed with their agents that they do in fact have the requested documents. Despite these confirmations they continue to ask for documents that their agents have assured us they have thus dealing the decision and forcing us to accrue late charges and interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Struggling to pay mortgage

Complaint: Wells Fargo is playing games, 1. We were in the middle of a open BK and they were aware 2. Wells Fargo set a FC date when we didnt have BK Court approval to sell yet.

3. They kept harassing tenants who ended up breaking the rental agreement 4. They were aware of the issues on title and our WF rep who calls was aware of the BK filing and the issues with title.

5. They are refusing to cooper rate 6. They caused the first buyer to walk by having people trespass and harass the tenants 7. They are refusing to work with us on the short sale even though we have had approval that conflicted with the bankruptcy not allowing time to close 8. They were informed of our process many times on recorded phone calls. 
9. They hadnt done anything for years with the home, now they are pushing to FC on it.

9. We had a approval for the last buyer, and they were informed that we had not had BK COURTS approval and refused to give them an extension on the purchase giving them 20 days to close which would violate the TIL laws. The lien removals will take about 3 days, and the process was started. They were informed.

10. Because of their games, we had to get a new buyer who has agree to the terms of the prior approval. We can close in about 70 days or 30 after the Bank Bankruptcy lien stripping is done. Please have them cooperate and work with us.

11. we have a XXXX XXXX approved price 12. complaint has been filed with XXXX XXXX 13. complaint being filed will BANKRUPTCY COURTS 14. complaint is being filed with attorney generals office and DFI AND STATE OF WA 15. LOOK AT THE FILING DATES OF THE BK, THE  APPROVAL AND APPROVAL FROM COURTS AND FILING TO REMOVE THE LIENS.

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 04/18/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am being sued by Midland Funding LLC, who claim that they purchased XXXX of my alleged debts from XXXX XXXX. Documentation they provided at the pretrial hearing does not show proof of ownership, or how the alleged amount of debt was calculated. 

They have provided a bill of sale from the original creditor stating that all accounts in Exhibit A were sold/transferred to Midland Funding LLC, however, Exhibit A is blank as the accounts were Redacted. 

They also provided an affidavit of sale from the Finance Manager of original creditor ( XXXX XXXX ) stating that a " pool of accounts '' were sold to Midland Funding, however there is no mention of any accounts. 

They have also included XXXX statements, seven months apart, from the original creditor. However nothing shows how the alleged amounts were calculated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I inherited Nationstar mortgage company- they were not who I initially financed my home with. I have had problems with them since the first month they took over my loan. The first thing was, I have a XXXX. I am in and out of doctor offices, etc. I had paid all my payments on time until one summer when I was able to pay only half and worked out an arrangement to pay other half by end of month. No one ever explained to me that that money would go into a " suspense account '' and would NOT be applied to what I owed! When I went to pay off the months balance, I was given the entire months rate PLUS the next month. When I asked what happened to the half I had already paid, they then explained the suspense count but REFUSED to let it be counted toward what I owed- so in the meantime, they were racking up on late fees and increased interest rates. It has been one problem after another, but this last issue is IT for me- XXXX. I go on XX/XX/XXXX for XXXX. Although my life has literally been turned upside down, I have STILL tried, to the best of my ability, to pay my bills. I made a payment to Nationstar on XX/XX/XXXX and authorized that payment to be taken from MY bank account ( which should have been the ONLY account on file since I pay for this house ), however, my husband and I keep separate accounts and he had made ONE payment for me when I was very sick but did NOT approve keeping his information. Nationstar deducted the mortgage out of his account rather than mine WITHOUT his authorization!!!!! Whether his information was in their system or not ( which it should n't have been since he did n't give them permission )!! I have attempted to rectify this situation but the people you speak with there are rude, disrespectful, uncaring and unwilling to help you WORK OUT A PLAN SO YOU DONT LOSE YOUR HOME- especially when you have been a paying customer for all of these years other than when you are hospitalized or at home so sick that you ca n't even get out of bed- I am tired of this company and their practices and someone needs to look into what they charge their customers and what they actually do with money paid and how they keep other people 's account information on file so they can use it at anytime they please!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Debt collection (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i have a payday loan which went into collection agency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX file # XXXX.orignal debtor was checksmart financial co inc, california check cashing. i settled this debt with them on XXXX/XXXX/2011 and they send me settlement letter. now another debt collection agency XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX # XXXX is trying to collect same debt from me.they placed the debt on my credit file. i tried to reach out to them but no solution.please help. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other

Complaint: I have had a credit card with Bank of America for many years. Just recently they sent me a XXXX form and a XXXX form to fill out and mail back to them saying that they need to update my information. No other credit card company has sent such forms. B of A already has my Social Security number which they got when they granted me a credit card ( years ago. ) So what is this all about? I am asking CFPB to live up to its name and protect me from corporate over reach in data mining, etc.

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