milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/14/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Taking out the loan or lease

Complaint: I agreed to co-sign for the purchase of a XXXX XXXX XXXX for my roommate, and specifically advised the Car Dealership that I did not want my name on the loan document as a primary. Wells Fargo the lender began sending the monthly statement with my name as the primary owner of this vehicle XX/XX/XXXX. I immediately called Wells Fargo to complain about this problem and reported this problem to the Federal Trade Commission. Wells Fargo then contacted me to inform me that the loan document had me listed as the primary owner. I explained to Wells Fargo that I am not the primary owner, and that they needed to correct this error. This error is a concern to me because it is on my credit reports, and the department of motor vehicle in California has me as the primary owner and when this vehicle has received parking tickets my name appears on the citation. I would like the CFPB to assist me in correcting this problem, Wells Fargo has the ability to fix this problem by either correcting the current loan document or refinancing the vehicle with the correct primary owner ( XXXX XXXX ) and deleting my name from the loan document or placing me as a Co-Signer. This loan *XXXX has been paid on time and this should allow this financial institution to not have any issues considering XXXX XXXX ( Primary Owner ) has paid on time.

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 08/17/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I am contacting the CFPB for assistance as I am afraid I am being pushed to accept a trial payment under the FHA HAMP program that is higher than it should be under the guidelines issued. I have attached the detailed FHA HAMP trial agreement to this complaint as well. The trial payment was calculated to be {$2500.00}. Within the same agreement, the letter states my income was calculated to be {$6800.00}. This would leave my housing ratio at 37.68 %. According to the HUD guidelines, this modification program is designing to lower the mortgage payment to 31 % of the monthly gross income. If the payment was calculated to be 31 % of my income, the monthly payment would have been closer to {$2100.00}. According to the HUD underwriting guidelines, the payment should have been calculated as less. The unpaid principal balance on this loan is {$340000.00} plus arrears owed $ XXXX {$400000.00} - 30 % allowable deferment = {$280000.00} over 30 years at 2 % = {$1000.00} + escrows {$1000.00} = {$2100.00}. So my income of {$6700.00} x 31 % = {$2100.00} is just enough to qualify. When we questioned this with the bank, we were told this can be calculated up to 38 % for this program but I do not see those guidelines listed anywhere for FHA HAMP as all that is stated for the target payment is the 31 % and not 38 % for the proposed payment. 
Although I am grateful to have the opportunity to keep my home, this difference in payment would be almost {$450.00} less a month and so much more affordable. My main concern is not to be so tight in making the payments that only XXXX unexpected expense could put me delinquent again and that is very scary. I want to ensure I am never in default again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a HUGE private student loan debt from Navient formally known as XXXX in the amount of {$37000.00}. It was n't until I graduated from college that my parents and I realized that we had a private loan instead of a federal student loan. My parents and I felt we were manipulated into getting these private loans by not getting clear concise explanations before signing up for these loans. They started calling me constantly about loan payments when I graduated from college with my XXXX, stating that I had to start paying on my loans after six months. When I complained about not making enough money or having a job in my field of study to pay my loans every month they put me on " Interest Only Payments '' for five years in which I was paying {$150.00} every month only to find out that my loans were still going up! 
Now when they call me constantly about my missed payments and when I complain every single time I speak with them about not being able to afford it being that I am the main breadwinner in my household supporting my wife and myself ( with utility bills, rent, groceries and etc ), the only option they give me is a " forbearance payment '' of {$150.00} which is to stop the harassing calls to my parents ( who cosigned on the loan ) and myself and make my loans current, but by doing so will add it on the backend of my principle loans making my loan amount go up even higher! Thanks to Navient/XXXX hurting my credit score its tough for me to get a decent job in my field of XXXX because of some Employers doing credit checks. They 've also hurt the credit scores of my retired parents which is despicable in my opinion because they cant afford to pay on my loans either. Navient do not have any reliable resources or options to help people with private loans and helping them succeed in a financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: I am a victim of dual tracking . Ocwen forclo sed on my home while being reviewed for a modification

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 05-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I paid to them a bill that was owed, but I was told I would received an email verifying payment and received written statement that this bill was paid in full. I have received NOTHING CONFIRMING my payment. Glad I paid by credit card.!!!!!! I want my proof I am PAID IN FULL!!!!!!!!

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 12-03-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease

Complaint: On more than one occasion I have requested for the Dispute department to contact me. They have yet to do so after hours on the phone with them and promising phone calls. They are reporting inaccurate information to my current Ally Auto account causing derogatory marks on my credit file with XXXX, XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: CapitalOne sent us a text/email reminder at the same time about a transaction that was attempted to be completed on XXXX of the authorized users " cards ''. The problem with this the authorized users on my account do n't have a card. We even asked the specialist on the phone to confirm this information. Once we received this information we asked the employee how is it possible for someone to use this card if XXXX does n't exist ( XXXX card numbers are different for each XXXX ). They then began to explain that the information could have been used online without a card being there. Although this did n't answer the question due to the fact that the information for this card number does n't exist anywhere but within their own services and systems. They were unable to explain how this information could have been received or taken. This could only lead to XXXX overall situation and that 's the information was taken from them due to no other individuals having this information. This is a serious breach of privacy and most importantly credit damaging information. How can we let a company continue that does n't protect their customers and has continue to how their incompetence to the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (CT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: - XX/XX/2015 due to an XXXX condition I had the urgent need to go to visit XXXX XXXX XXXX XXXX located at Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - Phone : ( XXXX ) XXXX They provided a XXXX for XXXX an offered an agreement to rent or purchase

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Payday loan, title loan, or personal loan (Installment loan) with Atlanticus Services Corporation (SC).
Issue: Charged fees or interest you didn't expect

Complaint: After being sold on the idea of 0 % interest, then making an in-store purchase of {$660.00} to take advantage of the 0 % interest promo, we were shocked by a {$49.00} " Annual Fee '' being placed on our statement that we were not made aware of. Had we been made aware of the {$49.00} " Annual Fee '' we would have simply paid cash or used one of of our other 0 % interest cards that do not charge us ridiculous fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Debt collection (Medical) with CALIFORNIA RECOVERY BUREAU, INC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was reviewing my credit report today. I saw there is a medical collection on my credit report from a visit in XX/XX/XXXX. I called both the collection agency and the hospital and they stated that the office mailed the XXXX invoices to my ex-husband 's address, in stead of to mine. They called my ex-husband 's number instead of mine. My ex-husband and I have not lived in the same home since XX/XX/XXXX. I have never lived at his current address. I was never notified of the debt. While this was an innocent mistake, the account is now in collection and on my credit report and I never knew about it. In fact the collection agency never contacted me. I contacted both XXXX and California Recovery Bureau to have this removed from my credit report and while they admit it was a mistake, they have not offered to remove it from my credit report. I have offered to pay the bill in both cases. XXXX will be calling the collection agency tomorrow to see if anything can be done. What is my recourse if they still will not remove the tradeline from my credit report?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: We applied for and opened two credit card accounts with Bank of America as a result of a fraudulent transaction. We own a time share in XXXX ( XXXX XXXX XXXX ) and were touring a different time share property. We declined to purchase the other time share but were referred to another area of the company where they offered to purchase our time share in exchange for joining their membership club. We were told they would purchase our time share property for {$39000.00} if we paid {$13000.00} for the membership via applying for an XXXX XXXX XXXX signature card through Bank of America. 

We agreed to this transaction solely on their promise to purchase our time share property. We kept up with our side of the agreement by applying for and receiving credit accounts to charge for the {$13000.00} membership fee and providing them with the contract/proof of our ownership of the timeshare. However, after several weeks where we received no further communication with the company and after several telephone calls and email attempts to contact them, the purchase of our time share never happened. 

We believe that Bank of America participated in this fraudulent activity by providing the credit for payment of the {$13000.00} membership fee even though the time share company never had the intent of purchasing or time share property to start with. 

Details : Date of Transaction : XX/XX/2016 Company : XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX Credit Card - XXXX XXXX XXXX signature card via Bank of America

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (I do not know) with Alliant Capital Management LLC (CO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have received repeated calls from a company claiming to be Alliant Capital Management. They have not disclosed what the debt pertains to, however have left voicemails stating there is a matter in their office under review. I am not stating I do not owe the debt, as I have gone through a divorce and am currently a single mother working XXXX jobs to fix previous monetary mistakes, however upon returning XXXX of the phone calls to the number given of XXXX with the case number of XXXX I was transferred to my case manager XXXX XXXX XXXX who would not identify himself. He became abrasive and stated that he was not going to tell me until I gave him my case number even though someone gave him this in the background and he used my name which came up from my caller id. He hung up on me after I asked again what company he was with. I called back and was given the company name and hung up on. I called again, gave the case number and was transferred to XXXX XXXX who immediately hung up. Called back and got the address. Upon XXXX XXXX I have mailed a formal cease and desist letter however this company has made threats regarding what type of action will be taken for failure to pay a debt. They have called repeatedly and it is in an attempt to harass and annoy. At this time I am looking to purse all of my rights under Colorado law for this unfair and poor treatment. After a reasonable Internet search and I am unclear as to whether the address given was even the correct address for this company so the letter sent may be represented as never received because of this. I was given the address by a gentlemen named XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pressler & Pressler, LLP (NY).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I 'm receiving letters from Pressler and Pressler claiming to represent XXXX XXXX XXXX services. They claim that it 's a subpoena and ordering me to state my finances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed the validity of a debt in writing over four times requesting proof of the alleged debt, and to date the credit bureaus as well as XXXX XXXX has failed to provide me with a copy of the bill so that I may adequately dispute the charges. The credit bureaus response continue to be " the debt has been validated '' however no proof of how they came to that result has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Without my authorization CBCInnovis made a hard inquiry that i believe is a violation. CBCInnovis is a company I do not recognize. I called the company and after a run around, XXXX XXXX told me that they would investigate the inquiry to provide proof of my authorization.. They then mailed the investigation report that included a unsigned loan application and unsigned authorization to release information claiming this my authorization. It is not it. I called XXXX again and call was unpleasent. Now CBCInnovis say they are just the middle company providing a service to a bank and that I should call the bank. CBCInnovis business practice and information control are seriously flawed and need to be corrected to protect consumers Details Hard Inquiry Dated XXXX XXXX, XXXX CBCInnovis 1st Call  about XXXX XXXX, XXXX Mail recieved XXXX 2nd call XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: There are XXXX ficticious medical bill charges on my credit reports that were illegally placed there by a company called Commonwealth Financial in an attempt to extort money from me by damaging my credit. This is in violation of FCRA laws XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$53.00} By placing XXXX separate charges on my account, they are deliberately attempting to damage my credit further than if they 'd placed a single charge. I have contacted Commonwealth and they were unable to provide any proof that these charges are real and valid. 

I asked the representative that I spoke to at Commonwealth if these were the hospital emergency room visits that my wife and I made after being hit by a drunk driver ( all medical bills were paid by XXXX XXXX XXXX XXXX XXXX ). Strangely enough, she told me that these were not emergency room visits, but rather 'physician bills '. 

In actuality, XXXX ' ( sometimes listed as XXXX XXXX XXXX XXXX XXXX ) is a fake agency and Commonwealth is known for illegally reporting these fake charges on random credit reports. They always list the charges at least twice, in an attempt to create 'panic ' in the victim and get them to pay faster. 

If the charges are successfully disputed off, Commonwealth will start placing random amounts as many as eight times on a credit report to exact 'revenge '. 

Case number : XXXX is an incident that happened to my wife, where Commonwealth had placed XXXX fake charges on her report. 

XXXX XXXX of Commonwealth Financial acknowledged that the charges were indeed fake and has promised a deletion update to my credit report, however this has not been done. She claimed to offer a deletion only to close the last case. I have not received a valid bill, I have not received an explanation and the charges are still on my account. 

I attempted to call Commonwealth Financial Systems again and I discovered that they blocked my telephone number : XXXX. How in the world are they attempting to collect debts or resolve erroneous information if they block the telephone numbers of people trying to call them? That seems a little suspicious. 

What Commonwealth Financial is doing is illegal and I would like to follow up to ensure that they are prosecuted. Meanwhile, I am pursuing a civil case against Commonwealth Financial as well.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: A few years ago I was heavily solicited by a Wells Fargo mortgage consultant, XXXX XXXX, to refinance a rental property I own in XXXX. I explained to her on several occasions that I had no interest due to the changes in mortgage insurance ( 1.2 to 1.55 % for the life of the loan vs XXXX until the loan reached XXXX loan to value ). She continued to aggressively pursue me stating that I can do a streamline FHA and not change my MI. Stating, " There are a lot of people who are n't familiar with this guideline since there is very few people fit the criteria. '' On multiple occasions I explained to her that I do n't like surprises and to fully disclose. She specifically told me that there were no gotchas and once I reached XXXX loan to value I could call Wells Fargo and drop the mortgage insurance. 

A couple months ago I reached out to Wells Fargo to drop the MI and they told me that when I refinanced my loan that the time period in which I would be required to keep mortgage insurance was extended by 5 years. Thus, costing me XXXX of dollars. I have been fighting with them for months and they are unwilling to help until I threatened to contact you, CFPB. 

Here is my complaint:1 ) Had they fully disclosed the timeframe in which I had to keep MI I would have been able to make more informed decision. Likely would have written a check to get the loan to XXXX to prevent this or forgo the loan entirely. 

2 ) My original loan was with Wells Fargo and my refinance was also with Wells Fargo and mortgages are a very complicated financial instrument. How can we allow firms like this to do predatory soliciting that is n't in the best interest of the consumer especially post 2008? The mortgage consultant had access to my old mortgage and knowingly convinced me to refinance even though it was n't in my best interest - thats should be fraud. 

I have email that I have kept regarding this conversation with the Wells Fargo 's, XXXX XXXX, if needed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Credit card protection / Debt protection

Complaint: On XXXX/XXXX/2016 to XXXX/XXXX/2016, I was a victim of fraud for my capital one credit card. In lieu of this, capital one cancelled my credit card. I had a good standing for my credit card, making payments on time and trying to rebuild my credit. Someone opened up another card and I was not notified. I do n't think capital one asked for my information before letting this fraud occur. How can someone just call and open up an account by saying I moved and my card was stolen without capital one calling my phone to make sure it was me? I am devastated about this. And how can they just rip my credit card from my life because of fraud? They gave me a new number for a new card and made up a secret code and question to be answered before anyone can get information yet, still took my credit away from me. I did nothing wrong at all. I do n't understand why I cant have my card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX Bank is the holder of my mortgage. I requested a loan modification. Ocwen my servicer informed me that XXXX XXXX Bank refuses all loan modification requests. I would like to know why XXXX XXXX Bank refuses to allow loan modifications.

Company response to consumer: Closed with explanation