milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/31/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: In 2007 I had an account with Wells Fargo in XXXX Washington. I closed this account but I was still getting statements. I called to inquire but was told " the account was n't my concern, it 's no big deal, we do n't see what the problem is, everyone has these types of accounts, do n't worry about it. '' I did not authorize Wells Fargo to open this account in my name and when I attempted to find out why they 'd done this, I was treated as though I did n't matter. I was " XXXX '' like I was n't supposed to be concerned or upset. Wells Fargo then blocked access by me to any information about accounts in my name. They attempted to assure me that this was all in my imagination. I felt powerless. I 'm XXXX XXXX and they treated me like I was too XXXX to talk to. I did n't realize that I could be part of this settlement, I hope I 'm not too late to be included, but I was terribly mistreated by this huge organization then I was treated as though I was crazy for saying anything about it. Please Help.

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 09/19/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I received a call from Navient requesting payment. I informed them I had not worked all summer and wanted to do a {$50.00} deferment process. The first person told me that if I paid {$50.00} on that day it would bring my account current. So, I did. The very next day I received ANOTHER call requesting that I bring the account current. When I explained to the man he told me " it had not been processed correctly '' and informed me he would take care of it. 
Today, the 3rd day in a row I 've received a call from this company, I was told that the {$50.00} payment ( which CLEARED my bank on XXXX/XXXX/16 and WAS NOT RETURNED ) had been reversed on the XXXX. I checked with my bank and they confirmed it had been paid and was not reversed or returned. 

If there are any late fees due to the negligence of these last XXXX people, I am requesting they be either waved or dismissed considering that I DID PAY TO BRING MY ACCOUNT CURRENT.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Debt collection (I do not know) with CL HOLDINGS LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep receiving notices from Jefferson Capital Systems for an account I do not own. I have never taken out credit with the original creditor ( XXXX ). Yet this agency continues to harrass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2017 about Debt collection (I do not know) with Credit Bureau of Carbon County (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 've gotten several calls on my cell phone from these people ( XXXX XXXX XXXX at XXXX and XXXX am ; XXXX XXXX XXXX at XXXX and XXXX am ; XXXX XXXX at XXXX and XXXX am ) and as I do n't know their number, I do n't answer. 

What leads me to believe this is a scam is that I 've never given my cell phone number out to anyone other than family and friends, nor has this company ( internet searches of their phone number show them to be " XXXX XXXX, XXXX '' ) sent me any written correspondence like a reputable or real collection agency would. 

When I called them today to find out who they are, they refused to identify themselves or the nature of their business. I told them to remove my name from their list and they demanded my name, address, and SSN to make sure I was not the person on their account. This is a clever way to get my personal information, and they refused to remove my name without receiving all my info first. Needless to say they got no information off me, but they 're still out there trying to scam people.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I requested that XXXX remove several unauthorized inquiries from my credit report. I made them aware that I had no knowledge of the inquiries. I spoke with a supervisor at XXXX on XX/XX/XXXX ( XXXX XXXX ) who refused to remove the inquiries. The inquiries were made on various dates and are listed below XXXX XXXX-XX/XX/XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX- XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have an outstanding payday loan, I am being told to a company by the name of midland. I 'm not familiar with the debt. they have threatened to come to my home and job to arrest me. Please help, I honestly do not know what this is about. Their tel # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2016 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Settlement process and costs

Complaint: We started a refinance process with Nationstar Mortgage in XXXX of 2015. They jnformed is that we had to get approval and then we had to go through a trial period until they would complete the paperwork. During our trial period we would report as late but as soon as the refinance went through, it would be XXXX out as long as the trial period payments were made on time. It took over a month but finally we were approved for our trial payment. We made our payments on time. We still recived collection calls that after a few minutes the lightbulb would go off and they would appologize for calling. We wathed our credit score drop even further during this trial but just hoped that the refinance would be quick. Finally 3 months were up. It took us trying to call several times to find out the next steps. Finally they said paperwork was being sent out. A week passed and we never received it, another several calls were placed. Finally someone called us back saying that the paperwork was mailed but that they would email it. A few days after we recieved the email, the overnight package with the paperwork arrived on our door. We scrounged up our witnesses and put time we didnt have ( XXXX ) and went to a bank were they could notorize the paperwork. Paperwork was sent back through fax. We waited several weeks and finally tried to get in contact with them again, several messages later we finally recieved a callback and found out there was a document missing, we refaxed it. Something was still wrong. We had to start over, We took more time out, had witnesses take time out of their day and start the process over, that was XXXX XXXX. We XXXX the paperwork back to them, with the holidays and all the craziness of having XXXX, time got away from me but I really thought our paperwork had gone through. XX/XX/XXXX I review my credit report and it shows me 8 months past due with Nationstar, several were 120 days. I sumitted a claim to dispute which they fought. Tried several times to call again, once being hung up on because they were having system issues. Finally got ahold of someone and was told that once again something wasnt right about our paperwork and it had to be redone and that is why I was still reflecting so far past due ( even though I have continued to make my payments on time every month ). Today I recieced notice that one of my credit cards was being cancelled because of newly serious delinquency. The only account showing deliquent is Nationstar. i want all negative credit marks removed now and I dint want any additional work from us to complete the refinance on our mortgage. This has gone on long enough and our credit and time has been effected enough.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: 1. The mortgage company is collecting more tax than what is my assessed property tax. 
The mortgage company informed XXXX requires the mortgage company to collect my property tax. When I notified the mortgage company of their error multiple times, the mortgage company refused to adjust the tax collection to my assessed taxes. It appears to me the mortgage company is abusing their role with XXXX. Hopefully it can be seen the XXXX XXXX, 2016 Escrow Account Disclosure Statement shows a property tax payout of {$1000.00} with a false estimate of {$2000.00}. Clearly, it is a false statement to claim there will be a {$2000.00} payout will it will actually be {$1000.00} from the submitted tax assessment from XXXX XXXX. 
2. The mortgage company initially collected all my information, told me I was qualified for a mortgage, locked in a rate at a 30 year fixed mortgage, repeatedly extended the closing time and then said it would need to be changed to an adjustable rate mortgage. I made multiple complaints to supervisors and executives but, received no response to any of my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I was a student at XXXX in XXXX from XX/XX/XXXX-XX/XX/XXXX and they shut down / sold to become another school. I asked for my transcript for years and was never granted XXXX. In XX/XX/XXXX I attended XXXX for a few semesters and even they could never get my transcript so I could n't continue without my grades and I did n't want to start over. I told several representatives that I wanted to file complaints. Since I was never able to receive my transcript, I wanted a loan forgiveness or something of the sort. XXXX and Navient NEVER helped me. Every time I ask them to put it in forbearance or deferment it 's supposed to be for XXXX months but I get calls about it a few months later saying I 'm XXXX days late. My loans have almost doubled and for what?! I ca n't even have a piece of paper with my name and achievements on it! I have nothing to show for my loan debt! This is going on XXXX years since I started school and it has been the worst decision of my life! It was supposed to make things better for me!

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I sent a notice of debt validation lettwr to the company. They never sent me a copy of a signature page from  XXXX . I called  XXXX  and they states that they have no debt in my name. I sent the company a letter stating that I was willing to settle the debt because I 'm trying to buy a house and wanted it removed off my credit. They sent a responding letter back saying they would settle for {$75.00}. I sent them a responding letter stating that since  XXXX  had no information that I 've had an account with them in my name they needed to now send me proof. They failed to do so?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Debt collection (Medical) with ACCELERATED COLLECTION SERVICE, INC (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My boyfriend was admitted to XXXX XXXX hospital in XXXX of XXXX, they never sent us a bill then billed all of his services as out of network. We asked for this to be corrected and they assured us that the situation would be resolved. Today they have NEVER sent us a bill only print out with a list of the charges and a statement showing that this is not a bill. They then turned the account over to a collection agency Accelerated Collections. We again repeatedly asked for a bill as we had never received XXXX and were told that XXXX had been sent. We supplied them with what was sent to us clearly showing that the it read this is not a bill. When we initially asked for a payment arraignments they said no. In XXXX of XXXX they finally agreed to a payment arraignment. They had also added my name to his account even though him and I are not married and they were told this several times. They also have no reported this on to my credit report and a joint debit that was never mine to begin with. They also refuse to present a settlement offer to the original debit holder for approval.

Company response to consumer: Closed
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: sent police report and idtheft protection cra violation inaccurate information

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 EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am growing so frustrated with  XXXX  's not correcting wrong information under my credit card account on all of my credit reports. I used to have an account with  XXXX  and the number was #  XXXX . The account is missing many many months of information but in  XXXX  of    2013 it is d isplaying a 30 day late and this is not correct and it is terribly damaging to my financial life. I have never been late with  XXXX   XXXX , and when I had problems processing a payment it was due to the associates errors and lack of communication from  XXXX  's with me. I have always made my payments on time and I already disputed this information nicely and asked that they fix the 30 day late displayed and I was told by a manager that that would be done but it had not in a long time so i filed a complaint on this database. This is actually my second complaint and I was so appalled to see that they had " verified '' the information and put false notes on my credit report claiming that their information was FCRA verified.   THIS IS NOT TRUE! How can they say something is FCRA accurate when they have not provided me with any proof or documentation as to how this late occured, especially after I brought it to their attention that the way and the timeframe as to how the associate handled my payment was confusing. This company is lying to people and refusing to follow the law and they simply do n't want to be wrong, that is how it seems to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I obtained a sample online in which I agreed to have the company mail to me in the amount of {$5.00} -Eye Serum ... w.in 2 weeks later they tried to charge my CC an amount of {$89.00} ... I called my bank and advised I never agreed to such / there was NOTHING on line in which I would agree to such as I NEVER would have purchased same. they provided me temp credit and now I received a response from Bank stating they are reversing that credit onXX/XX/XXXX however failed to provide me ANY documentation ... They are NOT protecting me as their customer and this is NOT acceptable.. I never agreed to such and if the company is stating I signed anything it was NEVER online or via mail so it is FRAUD!!! I HAVE emailed Chase w. no response.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (TN).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: On or about XXXX/XXXX/16, I wrote a check to retailer, XXXX XXXX, which was denied by the retailer. I was told that I would have to contact Certegy directly which I did within a few days of the declined transaction. I was told that I could only be given limited to info over the phone and I had to disclose personal confidential info, e.g., banking info and driver 's license, to them if I wanted a written a response of why the check was declined for processing. I received a response about XXXX which stated the check was declined because " This transaction fell outside of the guidelines Certegy has established for authorization and the second time check was through the same date and time that authorization was declined because " Certegy did not authorize this transaction because our records indicated that the same check or payment had been submitted to us before, and authorization had been declined. '' See first reason check was declined. 

I spoke with a Certegy agent on XXXX for an explanation of why my check did not satisfy their " guidelines '' and was told that said info was proprietary and could not be disclosed. I responded then how would I be able to prevent the embarrassment from having another check declined for authorization if I have no info to cure the alleged defect that does not meet their guidelines. I was not given a responsive answer to this question.

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 11/21/2016 about Credit reporting () with Diversified Consultants, Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX was paid a final payment of XXXX in XXXX 2016 and they acknowledge it on their end, but diversified consultants keep reporting it to the credit bureau as unpaid. 
It seems as though they could contact each other to straighten this out.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (I do not know) with Ditech Financial LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For several months, I have been receiving calls from XXXX at Green Tree ( XXXX ) looking for an " XXXX XXXX. '' I have told him repeatedly that he has the wrong number and to stop calling me yet he continues to call me and question me of whether I know XXXX or not. Once he even left a message saying he needed to confirm the vacancy at XXXX XXXX XXXX. I do n't know XXXX XXXX but it 's concerning that XXXX is quick to give out confidential information like this. Just this month, I 've received calls from XXXX at Green Tree on XXXX, XXXX, XXXX, XXXX on XXXX, XXXX and today. I have saved all voice messages from him this month as I refuse to speak to him any more. Please make this company and gentleman stop calling me. If you are not the correct place to contact, please point me in the right direction.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CO).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: On XX/XX/XXXX, I received a phone call from ( XXXX ) XXXX with XXXX stating an account had been opened in my name. He called to verify that I opened the account. I explained that I had not opened an account nor applied for any accounts with American Express. I asked for the information on the application so I could file a police report. XXXX stated he could not provide any information. I asked to speak with a manager and XXXX stated none were available. I explained that I would file with the proper regulatory agencies if this information was not provided. XXXX stated a manager would call back with 24 hours. No manager ever called back. 

On XX/XX/XXXX I called ( XXXX ) XXXX and spoke was XXXX. He acknowledged there was a request to speak with a manager or the person who could give me the information needed to complete a police report. He acknowledged no one had ever called me back. XXXX specifically stated, " Nobody can give you the information over the phone. A manager can not help you. '' I asked to speak with a manager and was transferred to XXXX who identified himself as a manager. I explained the situation and requested the information to complete a police report. I explained that every other bank with whom this situation has happened, provided the data required to complete police report.. XXXX stated , " A letter has been dispatched. '' When I asked for the date of the letter, he refused to give it to me. He stated, " I 'm sorry I can not disclose any information. '' Having dealt with identity theft for the past three years, every institution has supplied the information over the phone, except for one. They were investigated by federal agencies for failing to do so. I explained to XXXX that I would open investigations if I did not receive the information needed to complete a police report. He refused to provide the information. 
. It is being noted that American Express failed to provide any information so a police report can be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with North American Credit Services (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Spoke with the company responsible for the inquiry on my credit report on XX/XX/2017, was told that they do not remove inquiries, and that it remains. I have also contacted XXXX the credit reporting agency where the inquiry is showing. Neither attempts have been successful.

Company response to consumer: Closed with explanation