milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2017 about Vehicle loan or lease (Loan) with TIDEWATER FINANCE COMPANY, INC. (GA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I contacted Tidewater after consistently being past due on my car loan due to being unable to afford the monthly payment. The debt worksheet attached shows that with a reduced payment, I am able to maintain payments going forward even after factoring in living expenses. I have spent multiple hours on the phone, exchanged multiple emails. At first I was told I did n't qualify because my worksheet was wrong ( no clear answer ). When I pushed forward, the supervisor said he would resubmit it after I explained my income vs debt ratio step by step. I was contacted today and told my request had been declined again and that even though the worksheet shows I could maintain the new payment,  Tidewater  said it was n't sufficient to them to justify a lower payment program.   Since I have taken this loan I have been past due. I took this loan after a bankruptcy because I had no car. Tidewater is deceptive in it 's lending practices potentially even violating the Fair Debt Collection Practices Act by offering unrealistic repayment options such as a " Double deferment on  XXXX  and  XXXX  's payments ''. On the recorded calls the supervisor agrees this would not resolve the larger picture and would only fix it short term ; not to mention extend the life of the loan so they can rake in more interest charges. I have attached the last 2 months of paystubs, and the debt worksheet. This lender is clearly out to manipulate the lending systems and take advantage of the consumer. It should be noted that on the worksheet there is an error preventing it from updating the total expenses vs total income. Also, due to a payroll change my tax with holdings were incorrectly applied.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (SC).
Issue: Loan servicing, payments, escrow account

Complaint: To begin with I have a FHA loan with Wells Fargo. Initially they stated I had abandoned my property and they attempted to escalate the foreclosure due to the abandonment. At this time I still lived in the property and wanted to keep it. Next I was able to get in touch with the foreclosure attorney to advise of my intentions. I went through the process of trying to get a modification and it was declined within a week due to affordability. I disputed this decision due to I received a pay increase and bonus money since the documents were submitted. I asked about an appeal due to the additional income. The agent XXXX tried to dissuade me from submitting an appeal and basically saying there was nothing I could do. When I went to ask additional questions the phone hung up. I attempted to call back but could not get through. Wells Fargo is intentionally trying not to do a modification due to this being a government secured mortgage loan. They raised my payment entirely high before to make the home unaffordable. Please review my case and review this call from XXXX. I believe Wells Fargo is engaging in unfair and deceptive business practices. Please review my case for a resolution.

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 04-06-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have made 4 Principal only payments in the last 12 months and everyone was misapplied, two were made by phone and two were mailed. This resulted in numerous phone calls and wasted time to get the charges reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a phone lease through the cell phone carrier  XXXX . The phone was returned to the store, but  XXXX  did not account for the phone.   As of now I am receiving collection notifications for the phone i rightfully returned.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Accounts appears as potentially negative with a open date of 2006.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I opened my account in   XXXX   XXXX   XXXX     promised I am opening a veteran account and would be charged no monthly service fee. If you check my bank statements attached you will find that they did not charge me service fees. I kept calling  Wells Fargo  every month once i found out and was able to get the fee reversed each time spending hours on the phone and at the end of the call having their representative state that this is a  one tim e courtesy refund and my rebuttal of I do not accept this as a  one time courtesy but a  need for you to fix the promise made when I opened the account. After the 4th time and going through several managers I decided to just close my account, because  XXXX  offers premier bank accounts to their veterans with safety deposit boxes, and keeps their word to veterans. So I am out all of those monthly service fees they kept charging me for years, and this leads to yet another reason I am writing. After closing my bank account  2 co mpanies,  XXXX  and  XXXX , sent me refunds to my account on file, they instructed me that typically the bank sends the money in the form of a check to the recipient or contacts them. I called  Wells Fargo , they claim no refunds await me, and yet both companies state  Well Fargo, " has the funds. ''

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 09-01-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo charged my a penalty fee for a failed payment transaction FROM THE SAME BANK! XXXX {$50.00} fees were applied after I tried to set up their automatic payment system that had no indication of whether the " automatic '' part would start this month or the next month. Since it started the first month, when I went to pay the mortgage the payment had already been started by their automated system, and the transfer failed from lack of funds. It was their own poorly designed software that caused me to not know when my payment would go through and caused the payment to fail from lack of funds. I have never missed a mortgage payment in my life but I still have {$100.00} in fees.

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 03-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I moved out of the XXXX XXXX XXXX ( XXXX, WA ) on XX/XX/2015 and the move out statement that the apartment complex sent me ( after receiving multiple dispute letters ) even confirmed that my lease expired on XX/XX/2015. Yet for some reason the XXXX XXXX XXXX are trying to make me pay for imaginary charges from XX/XX/2015, more than a month after I had already moved out. I 've already submitted multiple dispute letters to the Apartment Complex and to the Debt Collection agency, yet they still continue to harass me with imaginary charges. I literally did n't have any association with the XXXX XXXX XXXX in XX/XX/2015 ( neither a lease or living there ) and they are still trying to make me pay for made up charges multiple years later. I 've sent at least half a dozen dispute letters, and for some reason, to the XXXX that just means that they should harass me some more with imaginary charges. The most recent debt collection agency ( Rent Recovery Solutions ) has offered me a 20 % discount if I pay these imaginary charges, even after I sent them a dispute letter as well! I have XXXX and am out of work right now, preparing for a XXXX. This is the last thing I need in my life right now, any help would be greatly appreciated. What they are doing has to be illegal, they know I do n't owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Prepaid card (General purpose card) with U.S. BANCORP (OH).
Issue: Fraud or scam

Complaint: XXXX Visa gift cards issued by US Bank were purchased at the same time XX/XX/XXXX and location, the XXXX store, XXXX for {$500.00} and XXXX and XXXX for {$200.00} I have the receipt for the purchase. The {$500.00} card was lost so I called the number given to report the loss ( XXXX ) only to be told to send the information along with a receipt via fax to # XXXX this was on XX/XX/XXXX as of XX/XX/XXXX I got no response from anyone so again a call was made and was given the same instructions then again on XX/XX/XXXX at which time I asked for a supervisor only to be transferred to what they call an expediter only to be given the same instructions. On XX/XX/XXXX I called and again told same thing. This has dragged out now for some time and no one will say anything other than you have to fax the info to the number given and nothing else can be done until I hear from them, only I have never been contacted from anyone. I do n't believe at this point that they have any intention of doing so and wonder how many others they just ignore and hope they give up trying only to keep the money for them selves I feel they are scamming people out of a lot of money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/27/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: XX/XX/2017, {$350.00}, the ladie in a XXXX XXXX ask me about if i want a credit store and i said NO i have to much credit cards to pay and she told me it 's not a credit card it just a application to see if you qualified for purchases and i filed thinking this do n't go to affect my credit report so then some days later I 'm receiving a credit card from that store " XXXX XXXX ''! 
The point is she told me to much lies to make me apply for that card and now I 'm no sure if trying to close this account this going to affect my credit and I want to report the store and the " lier lady ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-02-2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage loan with Greentree ( XXXX ). They sent me a letter last year and again this year in regards to cancelling the PMI. The letter says it can be cancelled after the mortgage reaches 75 % of appraised value and further states that appraised value is what was origannlly valued at. 
They say in a letter last year that they want me to pay for an appraisal first. This does not make any sense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Student loan (Non-federal student loan) with Dream Center Education Holdings (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I enrolled in The XXXX Institute of California - XXXX XXXX and graduated XXXX in both XXXX and XXXX. To cover the cost of education I took out both types of Federal Loans and also a private loan from the school itself. I currently owe the school just over {$8000.00}. The issue is that when I got into the XXXX field I found out that the degree is nearly useless. It 's only use is for XXXX that most companies will only hire after years of experience, which I could have gotten without the degrees. Even more so is that the job help that they provided was the same, XXXX positions that I could have gotten through basic job searches. 
My time and money were wasted and all I got out of it was constant phone calls asking me to pay for my schooling, but no job that pays enough to afford it. 
Even more, when I was going to school my monthly payment they asked for was {$79.00}. After my first year, that was bumped up to {$120.00} then finally hitting over {$200.00} after the second year. This was explained after the fact when they said XXXX the semesters out of each year was not covered by the loans. 
So I sit, fighting to find a job that can pay, taking odd XXXX jobs that can barely keep me above water and having the school call me to threaten me with debt collectors to take money that I do n't have. 
I was trying to help my family and now I 'm lost.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My credit score is XXXX I have a savings/checking account with Bank of America. I 've had an account with them for atleast 20 years!! They offered me an opportunity to apply for a Cash Rewards Visa Card. I was denied. I was given a free copy of my credit report. I 'm attaching my credit report. Nothing is wrong with it, that I can see. 
Bank of America states in the denial letter, ( attached ), that it was denied based on an account written off as uncollectable. Where is that on my file? 
I 'm attaching my credit report and letter from Bank of America as denial. 
I need help! How can I have a credit score of XXXX, which is noted in the letter from bank of america and a clean credit report. 
I get the run around from Bank of America on what 's causing this denial. 
Only 2 people have requested my credit report this year. They are one of the two.

It mentions that possibility for denial, 2 accounts?

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 10/23/2015 about Consumer Loan (Installment loan) with General Financial, Inc. (AE).
Issue: Managing the loan or lease

Complaint: I had some financial difficulties and decided to apply for a loan through Just Military Loans. Now I know it is my responsibilty to read everything and that I am responsible for my debts, but I do not feel it is right to charge 80 % interest rate on any loan. I know that throught the SCRA I could reduce it to 6 % if i accured the loan before active duty, but even after you enter Active Duty I believe there should be a cap on the interest rate a company can charge you. This should go for any consumer loan company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Cedars Business Services, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Title 15 US Code Fair Debt Collection Practices Act. XXXX XXXX knowingly sent a debt that is not owed to them to collections resulting in the matter being placed on my credit report. 

When I found the item on my credit report. I started investigating, I called the college first then Cedar Collections. I was met with a rude and harassing debt collector who failed to use mini Miranda, failed to properly verify identity of consumer. Instead of having me confirm id, the collector asked closed ended questions, to which I answered yes or no. My information was released then I was offered the ability to affirm. ( Privacy - possible Violation Oxley Act definitely a violation of the FDCPA Fair Debt Collections Practices Act when the Collections Agent from Cedar called me back within 1 hour of the call I made to them. The collector immediately started a conversation with me without confirming identity. I asked what his purpose of calling was except to harass me and I pointed out that we just spoke and to call an alledged debtor back within 24 hours is a violation of FDCPA. I told the agent it was not a valid debt for many reasons, the class was dropped and I was locked out within the first week of classes due to financial aid not lining up as expected. So the college is trying to get paid for a product they did not provide and the collection agency is using a citation on the credit report to threaten a consumer. Extortion, Possible multiple violations of US Codified Law US Code 15 FDCPA and FCRA Harassment. Even after I started speaking with the recovery agent I gave great detail the issues surrounding the matter The agent implied I was lying making statements such as " Well, that 's not typically what happens, sir. '' was the response more then once. So there was an implication that I was lying. A debt collector can not legally use phrases like this, I felt very harassed. If this company has recordings like it should, then this is recorded. I mentioned the matter should be sent back to the client and I never received a XXXX or docket letter from this company. I had to 90 day period of time to dispute. I am discussing this matter with an attorney. I received an email from the college informing me to dispute this matter with the collection agency. I did verbally I should not have to do anything else. I just had a XXXX and I can document that I believe my XXXX was brought on in part due to this..

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Billing disputes

Complaint: Capital One violated 12 CFR 226.13 - Billing error resolution. 27 and regulation Z by : Not reasserting the charge when I submitted additional documentation that proved that a credit was issued to the merchant who shipped me the goods. 

When I previously submitted this complaint, twice, to the CFPB Capital one did not address the issues in complete and forthright manner.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is reporting an account with XXXX XXXX XXXX that should not be on my credit report. The account number is XXXX and is supposedly for a collection with XXXX in the amount of {$310.00}. 

There should be no reason why this is on my credit report and it 's strange that Experian is the only bureau reporting it. This has to be an error.

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 03/13/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was pressured into repaying student loans that were in a grace period. At the time I should have started the repayment, I was already starting to fall behind. Now my credit report shows late payments that should have never been payments and XXXX says I only get XXXX grace period for my lifetime. This is convenient for them to say when I have an issue with my XXXX grace period that took place nearly 10 years after the XXXX. I have request documents from 2005 but they have not arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Credit line increase/decrease

Complaint: This is a report on my XXXX credit card, like the first XXXX am also making payment on this card for more than 17 months and the card remain the same I make payments every month the amount remain the same I tried to call them to resolve the issue but they could not even though I stop using the card.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit card () with BARCLAYS BANK DELAWARE (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I notified barclays ( Re : Acct # XXXX ) that this account is the result of identity theft on my credit file and that I was not the person who applied for, or opened the account and that it must be removed. Not only did I not receive any response, but it is still on my credit file and they will not take it off. I did send them the affidavit as well as the police report along with my letter. I require further investigation into this account and I also requested a handwriting analysis as well as an affidavit from them swearing that i was the person who opened said account, which I did not. In addition to this, pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for this account to report on my credit file, so either way, this needs to be removed immediately.

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 03-01-2016 about Credit reporting () with LEXISNEXIS (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: LEXISNEXIS is reporting incorrect information on XXXX report. They are reporting my social security number, date of birth, driver license number associated to my wife 's claim for an accident, this is causing me to have higher auto rates for the claim my wife made on XX/XX/2015. They will not correct the information.

Company response to consumer: Closed with explanation