milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/25/2017 about Debt collection (Credit card debt) with LPSG (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: My employer was contacted by someone representing a  XXXX   XXXX  an attorney asking if I was there so they could serve me with court documents. My employer told them no and then contacted me. I called the number she was given and the person I spoke to was very combative and yelled at me, they told me they had received a judgement forcing my employer to garnish my wages. Later they backtracked and told me IF it went to court they would be allowed to garnish my wages. I asked for validation of the debt and was told no, I had to find it myself. The initial debt was {$370.00} and now they are saying I have to pay over {$1200.00} and when it goes to court I will have to pay court fees and filling fees and my total will increase to over {$4000.00}!   LPSG the company that currently hold the debt, would n't discuss anything with me and kept referring me about to  XXXX  's office and the person at  XXXX  's office said that everything had to be approved my LPSG. They kept running me in circles ...

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed medical accounts collections information, late payments reported by  XXXX  and an account from the University  XXXX   XXXX  that is not mine with no corrections.   My score went from being  XXXX  to  XXXX  within a couple of weeks with no changes to my Transunion credit report. When I called customer service they said it was because  my medical collections up dated which my understanding is the collectors can not update dates when I have not made any payments and nothing has changed on the collection accounts. However somehow they are able to report new dates and make the accounts appear to be new. I have late payments with  XXXX  which are not correct because I was only s ent one paym ent to pay and I was not made aware of a {$25.00} payment. I applied for income based payment plan and was just told to make  one p ayment and was never explained that my direct loan was a separate payment.  The U niversity  XXXX   XXXX  is reporting a charge off fr om 2001 th at is not mine and they have not communicated with me how this is my debt.

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 07-04-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan modification,collection,foreclosure

Complaint: to start with, i put a complaint in your company back around XXXX or XXXX when i spoke to someone at that office he did see the complaint and at the time, your office did nothing about it. he now told me that the office has gotten better and something is done about it. the items i am attaching maybe some of what i sent the first time. i was ejected out of my home that was worth more than what i owed. they have sold my house for more than what was owed and i have not recieved XXXX cents for the overage. i want my house back or i want double the money they sold it for. the documentation i am sending you shows how i was trying to get a loan modification under the XXXX program, ( which i attached the guidelines ) and they did not follow any of the rules. they were over and over asking for conditions or as you may know them as documentations and on the same day, asking me for conditions. i never ever recieved anything stating i was denied and the proof is how they are autioning off my home and asking for conditions. I hope this is not just another runaround like i got all those years. FROM XXXX XXXX, OCC, XXXX XXXX XXXX, XXXX, Legal Aide and even your office at the time. the sad part was I had no extra money to hire an attorney and that is what the banks knew and of course all the offices i just mentioned just bounced me and did nothing. I had just lost my husband and put out on the street. for answers below, foreclosure YES, concern about foreclosure THEY DID IT, FYI, i have done modifications for people, if your home is worth more than what you owe, they will not give you a modification!!!! i saw it happen including mine. I would just like to see if anything changed and if I really get HELP this time! I did not get any help from XXXX till 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 07-03-2017 about Checking or savings account (Other banking product or service) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX, I went to a Chase bank to withdraw money from my account with another bank. I tried term ID XXXX and it did not give me the {$200.00} that I had requested. It printed receipt that says to contact Chase Bank. I went to Term ID XXXX and was able to withdraw the {$200.00}. Chase Bank never returned the {$200.00}, and withdrew {$400.00} from my account. I called my bank to dispute the charge. I also contacted Chase as  the receipt said to do, and I was told since I am not a Chase customer there is nothing they can do.

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. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information is included in the breach of security. The data has been mishandled and needs to be resolved quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Charged late fee and I do not know why.  Always make payments 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 monetary relief
Consumer complaint received 11/29/2017 about Vehicle loan or lease (Lease) with HYUNDAI CAPITAL AMERICA (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX will not update my account I 've called several times an was told dates about my account being updated my car was totaled on XXXX XXXX, XXXX. Today XXXX/XXXX/XXXX was suppose to be the day when the bureaus was suppose to be updated on my balance on my account gap insurance, primary insurance an warranty company have all paid amounts on vehicle. The XXXX insurance company paid XXXX issued XXXX/XXXX/XXXX payment was processed by XXXX. Gap insurance paid XXXX processed on XXXX/XXXX/XXXX. XXXX made a payment received by XXXX in the amount of XXXX an XXXX XXXX/XXXX/XXXX. Still have yet to see balance updates. Two of the payments I never received a email had to call in and make sure they had them and they did but I keep being told 5-7 business days to update to my account which has not been updated since XXXX XXXX. This is hindering me from getting another vehicle. The balance on the account is still showing XXXX which is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX XXXX is trying to collect {$250.00} from me for utility services provided at XXXX XXXX XXXX XXXX in XXXX, MA ( account # XXXX ). This account and this service is not mine ; I can only presume an account was opened under my name and SSN and this is a case of identity theft. 

XXXX XXXX sent the above amount due to collection agency Transworld Systems , Inc ( account # XXXX ). I first become aware of the problem in 2014 when I began receiving invoices from Transworld. 

Both XXXX XXXX and Transworld have been notified of the problem. A police report of identity theft has been filed with the XXXX Police Department ( report # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (IL).
Issue: Loan modification,collection,foreclosure

Complaint: On 3 separate occasions Wells Fargo sent a 3rd party company to call on my tenants in my rental building advising them that the property was going into foreclosure. I have been advised by legal counsel that this is illegal activity and that Federal Law prevents a lender from such practices. Furthermore, this is absolutely not true - foreclosure proceedings have not begun on this property, confirmed by Wells Fargo. Wells Fargo is in XXXX position with this equity line. The first occasion was to my XXXX floor tenants XX/XX/XXXX, XX/XX/XXXX. The gentleman advised them that he was representing Wells Fargo and that this property was going into foreclosure. They took a picture of him. 

The second incident was to my XXXX floor tenants, XXXX XXXX, 2015 and they returned there again on XXXX XXXX, 2015. On XXXX XXXX the gentleman said, " I 'm not supposed to tell you this but you might want to know that your property is in foreclosure. ''

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 08/19/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MO).
Issue: Loan modification,collection,foreclosure

Complaint: We inquired about loss mitigation options for our mortgage. We were sent a packet of information/forms to complete. We submitted the required documents on XXXX/XXXX/16. We received a letter requesting add'l docs that were sent on XXXX/XXXX/16. We have not once heard from anyone at Carrington via phone or email. All of our attempts to reach our SPOC listed on a letter received, have not been responded to. We have not received any communication regarding add'l information need nor have we received any communication that a decision had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (VA).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX, over 2 weeks ago, XXXX XXXX XXXX, d/b/a " Coinbase '' XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX, made two purchases from me and agreed to wire the purchase prices of {$15000.00} and XXXX ( total of {$41000.00} ) to my bank, XXXX XXXX XXXX XXXX, to my checking account. I have paper documentation on this. 

As of today, XX/XX/XXXX, XXXX XXXX has failed to make payment. XXXX XXXX is in the unlawful possession of over {$40000.00} of my money. XXXX XXXX engaged in " fraud in the enticement, '' indicating his willingness to engage in a fair sale with no actual intention of paying for the merchandise, nor the ability to do so. 

Far from denying the allegations, XXXX XXXX admits to it on the " Coinbase Support '' XXXX feed, dated XX/XX/XXXX, XXXX, Where he says, quote, " We are processing a backlog of outgoing wires from XX/XX/XXXX''.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: When the Public Service Loan Forgiveness program was announced, I contacted my loan servicer at the time ( Nelnet ) and asked to make sure my student loans were under the correct loan type and repayment plan to be eligible for the PSLF program. I was working at a 501 ( c ) ( 3 ) NGO at the time. I was told that my loan type and repayment plan were eligible for the PSLF plan and did n't need to do anything at the time to apply for the program. I just needed to submit the correct forms when I was getting close to my 120 payments to be eligible for the program. Around XXXX I was told by Nelnet that I currently did not meet the qualifications for the PSLF and needed to consolidate my loans to a different servicer under the PLUS program to continue eligibility. I ended up getting a consolidated loan through XXXX and then was transferred to XXXX. I told them specifically that I wanted to be eligible under the PSLF program as I am employed by the XXXX and was put on a graduated repayment plan and told that it qualified for the program. In late XXXX I sent in paperwork for the PSLF for the 501 ( c ) ( 3 ) organization I worked for, and then one for the XXXX I have been working for for the past 7 years. After submitting, I got a notification that I was being again transferred to a different loan servicer. Today I got an email stating that I needed to select a different repayment plan because the current plan I was paying under ( and was told previously that it did qualify ) did not qualify for the PSLF program. I called the new loan servicer ( XXXX - XXXX ) to inquire what has happening with the loan. I was told that NONE of my payments since XX/XX/XXXX qualified for the PSLF program. I found out I was given incredibly incorrect information by both Nelnet and XXXX in repaying my student loans. After paying these loans for the past 9+ years, on time each month, under what I was told to be a correct repayment plan and loan type, my student loans totals have increased because of interest. I feel that because I was told this information by an approved servicer that these years worth of payments should be applied to the PSLF program.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (I do not know) with Monterey Financial Services LLC (UT).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: When I spoke to agent on phone and told them I did n't have a job they said well that 's my problem and now they are going toctake legal actions against me. They wo n't stop calling my cell phone and refuse to stop harassing me. They have been calling even my mothers cell phone and work phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax ( and likely the other credit agencies ) mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim of this huge breach of consumer data according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
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: Please refer to previous closed complaint # XXXX ( Kindly re-open it ) Company closed the complaint without reading the DISPUTE PART. ( I did no shopping with any of XXXX 's card - I had no idea card existed on my name ). 

XXXX did not issue me credit card on XX/XX/2016 or later .. (  When i applied in store I was told by XXXX XXXX associate because of computer issue they couldn't tell me weather my credit card application was approved or not ) I DENY using any XXXX  's credit card to buy anything..So this {$110.00} ( they asking me to pay me FRAUD!! ) My suspicion is XXXX 's own employees misuse customer 's cards and they did in my case. XXXX should investigate this incident. 

I am collecting data from other XXXX customer 's who had gone through similar FRAUD in that store.

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 Debt collection (Medical debt) with Sherloq Group, Inc (NC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: since XXXX 2017 I have received non stop phone calls from the 3rd party collection agency. I have told them to stop contacting me and have filed a prior complaint but every single day they are still calling me. I did not authorize my information to be released to this 3rd party which is in violation of hippa. 
the amount of the debt they say i owe is {$1400.00} account number 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 04/24/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased a home in XXXX XXXX, Minnesota through an FHA loan with Wells Fargo. I was relocated for my job and listed the house for sale through a realtor. The house did not sell and my only option was to rent out the home. I had various tenants rent the property and the last tenants damaged the home beyond its value. I took them to court to evict them but unfortunately after they moved out of the property I was unable to locate them therefore I was unable to recoup any damages. I contacted Wells Fargo and spoke with a loan counselor. I was instructed to go through the short sale program and I then sent in the necessary paperwork. I was contacted by a representative at Wells Fargo saying my short sale request had been approved and to put the home on the market at a price Wells Fargo set. Months later I received a letter from Wells Fargo saying the short sale request had now been denied and that Wells Fargo already started foreclosure proceedings. I was informed that there was nothing else I could do. About a year later, I was contacted by a representative with the National Mortgage Settlement Administration and was told I was eligible to take part in a class action lawsuit against Wells Fargo for mishandling the short sale and forcing foreclosure upon the property. Wells Fargo admitted wrongdoing and lost the lawsuit. Over five years later, I am now trying to obtain a new mortgage and am being penalized with loan options because Wells Fargo is still reporting the loan as a foreclosure with a balance owing. I have asked Wells Fargo to look into how the loan is being reported to the credit bureaus and sent the appropriate documentation to them. I was contacted by a representative from Wells Fargo saying that they looked into it and it is being reported correctly. After I questioned the decision, the representative told me she did not look at any of the documentation I had sent. She told me she would reopen the case and get back to me. I have not heard from this representative or anyone else at Wells Fargo in ten days despite leaving numerous voicemails asking for a response. I am requesting help from the CFPB to assist me in getting this information corrected on my credit report so I am able to obtain a new mortgage and have the options available to me that I would otherwise qualify for. My credit and personal financial situation have suffered due to the wrongdoing and mishandling of the loan by Wells Fargo.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am illiterate when it comes to finances. I took what loans were offered to me so that I could focus on my education and not have to work so many hours to stay afloat. After I graduated and was ill-prepared to enter the work-force, I found out my school was shut down. Unable to find a job in my field I kept pushing off paying my loans back because I could n't even come close to affording them. Every time I would call, the person on the phone would immediately offer me forbearance, and simply suggested that I look up my repayment options. This went on for years. Now, I actually applied for  IBR and se lected the box on the application for Navient to chose w hich IBR plan wou ld give me my lowest payment. After about a month and never hearing from them, I finally called and they told me my payment was {$260.00}, which is a hardship for me but I assumed it was the best that could be offered. When I went online to make my first payment at long last, I saw that I had missed it! There wer e two sets  of loans, each with a monthly payment of about {$250.00}, totalling about {$500.00}. When I called they told me that I had been put on the income-sensitive plan, but that my payment could be lower on another plan. And they offered me forbearance again while I figure it out. My loan balance has almost doubled since I graduated, and I have n't even been able to make a payment yet.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Student loan (Private student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: This is a XXXX XXXX XXXX. When my son first graduated we tried to lower the payments from the {$700.00} and they said sorry there is nothing they could do. We borrowed XXXX - paid back {$42000.00} since 2011. Now that it is default they want {$85000.00}. Paid in Full - charging {$14000.00} in Collection costs. I would never recommend borrowing from XXXX XXXX. I would like to know if there is anything that can be done about this outrages interest and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Immediately after my Chapter XXXX bankruptcy was dismissed in XXXX 2016, I began receiving phone calls from XXXX about a debt. I had no knowledge of the type of debt until I googled the company and read the reviews. Later that day, I was contacted by a rep from XXXX who proceeded to explain the nature of the debt. We went over some basic information and I realized it was for my student loan which the company says I am in default because of the bankruptcy dismissal. On XXXX XXXX, I gave the rep my communication preferences which included my home number and the immediate removal of the temporary work number that I did not give them ... or give them permission in which to call me. Today alone, I have received 3-5 robo calls from them as transfers to my employer. The calls began XX/XX/XXXX and have been continuous since. The live person I spoke with today, threatened me with wage garnishment on my employer line, and said she received no communication to remove the employer number so they have continued to robo call the number.

Company response to consumer: Closed with explanation