milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/27/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (FL).
Issue: Managing the loan or lease

Complaint: Wron report about us, my wife and me. 
Hi, my name is XXXX XXXX and my wife XXXX XXXX XXXX. In XXXX 2016, my wife and me changed a car in XXXX XXXX XXXX, we paid every thing ready and take an other XXXX, The XXXX XXXX XXXX supposedly be to pay off to the Wells Fargo Dealer Services, WFDS XXXX, Auto Loan, but that does not occurred. Before that happened we paid the monthly payment at time by automatic system from the Wells Fargos my wife 's account. When we liquidated everything with the XXXX XXXX XXXX, we stopped the automatic payment. Finally, Wells Fargo reported to you that we delinquent in our payment and affected our current credit for both, my wife and me. Please help to resolved this matter. 
Thankyou Reward XXXX 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 10/21/2015 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have had XXXX short sale offers submitted to Dovenmuehle Mortgage. The first one went all the way through escrow, but when there was yet another delay on XXXX 's part, the buyers have walked away. The mortgage company refuses to talk to me or to communicate with my real-estate agent. Their letters say I have a point of contact, but I can never get to her, and I am still receiving calls from their collection department, which I understand is illegal. I have provided all the information they have asked for on numerous occasions, but every time I attempt to contact them, they never seem to " have it in their system ''. In fact, the last representative I talked to said they have no record of any short sale offers ever having been made, which I know is a lie. I can not keep this house, I have tried for years to get it sold, but they will not cooperate. At this point, I want to just do a deed in lieu of foreclosure, they can have it, but again, nobody will talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: About two and half years ago I purchased a copy of my credit report and had noticed there were addresses and some credit card accounts that was not mine, among these account XXXX them was with bank of America. I had immediately contacted the credit bureaus and had notified them about my identity was stolen .Also same time I did a police report and ftc report and contacted every XXXX of those account that was showing up in my credit report that did not belong to me and explain to them about my identity was stolen and all of them took care of the account that was opened under my name but having problem with Bank of America that been giving me the run around for the past two and half years. I had send them the following letter certified mail more than ten times, Dear Sirs or madams : An account from your company is appearing on my credit report. I am not aware of having any account with your company. I request that you investigate this matter and provide me with the following : A legible copy of the original signed agreement for this account, which should show my personal information, as well as my signature. 
Any other documentation that verifies the account is mine. 
If you can not or will not provide me this information, then I formally request you send me a letter stating that this account does not belong to me and that it will be removed from my credit reports. Until this matter is cleared up, I firmly request that you stop reporting this account altogether. Please give this matter your prompt attention. I had disputed this account with credit bureaus and bank of America and nothing happened so far. bank of America has not responded to me. at this time I need your help to get my problem resolved with bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In 2014, Navient did not consolidated my student loans correctly and ( although I called multiple times a week and documented my phone calls for my own records ) it took almost an entire year to correct. I was told to put the loans into forbearance until their error was corrected and I ended up having the interest that accrued during months of forbearance applied to my principle amount. Navient also miss calculated my payments and set me up with a payment plan that paid less than the monthly interest that accrued. After a year of making the payments they told me to make, I owed more than when I started. Numerous times I asked for a record of how my payments were being allocated to the total loan amount and was never provided a way to see this. After over a year of struggling with this company, I transferred all of my consolidated loans to a different provider. I still have XXXX unconsolidated student loans with Navient which makes me uncomfortable. I do not believe my account was managed appropriately and I believe ( despite numerous attempts to fix this via phone conversations ) Navient did nothing to fix my account because they were able to profit by not fixing it. I was scammed. I have documentation of when I called, who I spoke to, what was I was told, and how nothing was done to fix my account. 
This was for XXXX loans I took out while attending XXXX XXXX XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit card () with BARCLAYS BANK DELAWARE (PA).
Issue: APR or interest rate

Complaint: We were offered 0 % interest convenience checks from Barclays Bank, and used XXXX of them before the expiration. On our next bill we were charged interest on this check, we contacted the bank at least XXXX times by phone and e-mail, sent them all of the requested back up and have not had this matter resolved. At this point we are being charged over {$100.00} interest for this 0 % convenience check, we need relief from this bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Delinquent account

Complaint: Hello, In reviewing my credit report I see that Chase/Amazon Credit Card is reporting a late payment in XX/XX/XXXX. However, during this time I moved residences and called the company twice to have my address change. In the chaos that ensues when one moves homes I did not recieve my bill. In fact they company never changed my address as requested. I have been trying to resolve the issue with Chase directly but I also recieved an email from a customer service rep stating that I signed up for paperless statements in XXXX. I NEVER consented to paperless statements. In fact, in XXXX I was only XXXX and still living with my parents, why would I need paperless statements? Additionally, as I stated up until XXXX and even now, I still recieve paper statements so I am not sure why they are saying that I was receiving paperless statements. I was never late prior to XX/XX/XXXX and I have never been late since. It was an error made by the company Chase for not changing my address. Therefore the credit reporting is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX  ACCOUNT MUST BE REPORTED AS CLOSED BY CONSUMER. THE DISPUTE FLAG SHOULD BE REMOVED AS THE COMPANY HAS RESPONDED THAT THE DISPUTE HAS BEEN RESOLVED IN MY FAVOR. THEREFORE, MY INFORMATION ON THE ACCOUNT IS BEING INCORRECTLY REPORTED. PLEASE SEE THE COMPANY 'S RESPONSE TO THE CFPB.

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 Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as DOB and SSN in order for it to appear in your credit file. The Credit Bureaus has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

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 12/23/2017 about Debt collection (Mortgage debt) with SELECT PORTFOLIO SERVICING, INC. (CT).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: Possible criminal conduct. See pdf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: EQUIFAX LIED TO THE CFPB IN CFPB # XXXX. ( PROOF ATTACHED ) THE XXXX XXXX XXXX XXXX ACCOUNT HAS BEEN RE-AGEDILLEGALLY WITH THE HELP AND BLESSING ( COLLUSION ) OF EQUIFAX.THE ACCOUNTXXXXXXXX # XXXX HAS AN ORIGINAL DATE OF XXXX DELINQUENCY OF XX/XX/XXXXwhich is correct and there exists no proof in this world otherwise.This was verified byequifax and XXXX XXXX XX/XX/2015.the changes made to this record are erroneous on their face ... the date of first delinq., date of 1st major delinq., and date of last pymtare all the same, which is a real world impossibility in credit reporting that equifax shouldknow if they are competent.EQUIFAX HAS LIED TO CFPB AND VIOLATES FCRAWITH IMPUNITY.THE ACCOUNT IS TOO OLD TO BE REPORTING, NOW OVER 7 YEARS SINCE THE DOFD.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with BANKERS HEALTHCARE GROUP (TX).
Issue: Charged fees or interest you didn't expect

Complaint: I applied for and received an unsecured personal loan from Bankers Healthcare Group for a very high interest rate. 17.99 % for 96 months. Bankers Healthcare Group sold my loan for the principal plus future interest to another bank, at 6 % interest rate for 96 months. The monthly payment remained the same, but the principal due was higher by almost 70,000, and they claimed that the loan was now secured by my practice assets. I did not receive the additional principal. Bankers Healthcare Group profited that from the sale of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have a derogatory remark due to an uncashed refund check from XXXX.i ca n't believe that could ever effect my credit. Obsurd

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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: I filed a dispute with case number XXXX with Equifax. The case was responded to and closed today the XXXX of XXXX 2017. As usual of Equifax, they have refused to do any investigative work to resolve this issue. I attached letters from the company that did a hard inquiry into my file asking Equifax to delete the records. I am submitting these letters again for Equifax to revisit. 
I wish to plead with CFPB to compel this company to do the right thing and save us time. I intend to file a suit to compel them to remove these items since the company involved issued letters to that effect.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Closing/Cancelling account

Complaint: Barclaycard has had my timely payment for a number of years, and rewarded me with a number of increases in my creditline. However, they decided to replace my credit card with a chip-protected card, out of cycle -- meaning, before the current card expired. The card never arrived, I found myself heading into an XX/XX/XXXX wedding, and the holidays without a card. They promised an overnight replacement twice, which never came. I got angry and closed the account, asking for a refund of a {$750.00} overpayment. Naturally, the refund has never arrived. They are now telling me that they need to " open a case '' and it will take another 10 days to investigate. I have to pay them interest if I mess up & pay late. This company is irresponsible and incompetent at best -- and fraudulently witholding money owed, at worst.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (Auto) with Weltman, Weinberg & Reis Co., L.P.A. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: XXXX XXXX XXXX XXXX Weltmem Weinberg & reis filed a lawsuit against me for a debt that was open by someone in XXXX/XXXX/XXXX when i was only XXXX years old. Also I have a Bankruptcy that the Plaintiff has admit. they were aware of that was filed in XXXX and discharge in XXXX they never notify by mail or phone call also\ they got a default judgment against me in stated garnishing my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with Risecredit, LLC (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Refused to remove believe it 's an inquiry issue

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Other

Complaint: i paid a company XXXX on my visa card.when a problem arrived and i asked my visa for help to retrieve my funds they left me high and dry.i explained my issue to them and they simply told me i was to late.it is my understanding my card company could go outside the initiation time frames.i expected a lot more out of my card.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Vehicle loan or lease (Loan) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: On XX/XX/XXXX I called and when the call went through the various prompts to speak to a customer service representative, the call disconnected. I attempted this four times until I decided to call a local branch. I spoke with XXXX ( a teller ) and she was n't able to assist me because the branches are n't on the same interface. I made one last attempt to call and finally got through to a live person name XXXX and proceeded to ask him a series of questions and when he felt that he could n't answer my questions, he told me that I had a fixed rate of 11.23 %. Okay but he did n't answer any of my questions and when I kept asking him to clarify he hung up. I decided to call from the office phone and SURPRISE I was immediately connected to a live person name XXXX. I asked him the following questions : What kind of loan do I have - simple interest, pre-computed interest, and do I have a pre-payment penalty? His reply was that I had a simple interest loan and that there was n't a pre-payment penalty. I proceeded to tell him that there was a discrepancy with my account. There 's a curtailment of {$52.00} that posted on XX/XX/XXXX and my XX/XX/XXXX payment is {$670.00}. My monthly payment per my contract is {$620.00} and I was told that I owed {$52.00} in late fees ( by which I 'm still trying to understand because this billing is so convoluted ) so why was n't the {$52.00} applied toward the late fees? He told me that the {$52.00} was automatically added to the principal. I asked him " why are you automatically applying extra funds toward the principal especially since I was told by one of the CSRs that I would have to call in if I want extra funds to be applied toward the principal? '' Looking at this account online it appears to be so erroneous and I do n't know how to go about to get some sound clarification. I also believe that my account has been flagged not to accept calls. I can not make payments online because I do n't have a checking account with them, I 've gone through the steps of adding my checking account from another bank and they made me wait two days to verify and I 'm still unable to make payments online. I had to go into the branch to make XX/XX/XXXX 's payment and I paid through my bank 's online bill pay for XX/XX/XXXX 's payment. I 'm trying to get this resolved. He made the adjustment to reflect the {$52.00} be applied to late fees and that the late fees be taken off of XX/XX/XXXX bill. He told me that it should reflect online in 72 hours and my confirmation number is XXXX. I checked my account on XX/XX/XXXX and there 's no change. I also noticed that I have a list of items marked " fees '' with different amounts but when I inquired about it one other time, the CSR could n't answer my question. I 've attempted to call, I 've written and there 's no response.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Debt collection (Medical debt) with Pendrick Capital Partners Holding, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: ACCT #   XXXX     XXXX   XXXX   First of all this account is not paid, I did not find an option regarding my problem on this consumer protection, First of all My name is   XXXX   XXXX   I went to the ER at   XXXX   XXXX   on  XX/XX/XXXX  I handed them my   XXXX   card and obviously they did n't bill to   XXXX   like they should have, I called  XXXX  to the billing department they told me that my bill was sent to collections after I had already sent by fax and email on  XX/XX/XXXX  at   XXXX   XXXX  . a letter stating that I had  XXXX  at that time and that I keep receiving bills even with this email I never got a response from them at all by email or at my residence regarding my dispute I was just being ignored, so then they sent my bill to   XXXX   XXXX   XXXX   original creditor, when I received a collection letter from them, I also sent them a proof of my   XXXX   card and waited for their response, after a couple of more months I received a collection letter from a current creditor PENDRICK CAPITAL PARTNERS II   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    XXXX  IL   XXXX      XXXX   XXXX     XXXX   I also sent them a notice on  XX/XX/XXXX  at   XXXX   XXXX  . to stop harassing me and to bill   XXXX   since I had  XXXX  at the time of service and I am still on collections.
This is a HIPPA violation I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party, and I have been trying to resolve this matter from point A (   XXXX   XXXX   XXXX   BILLING DEPARTMENT ) To POINT B AND C -- - with all this collectors.
Please help   XXXX   XXXX   DATE OF SERVICE  XX/XX/XXXX  CLIENT ACCOUNT # that Pendrick Capital Partners II Has on my account is  XXXX  Identification No :  XXXX  Amount Owed {$1900.00} Settlement Amount {$1200.00} My   XXXX   Member Id number is :   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   PLAN ISSUER ID :  XXXX  I also contacted   XXXX   XXXX   XXXX  , and I got advised to contact your department and also to contact the federal Consumer Financial Protection Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Other debt) with First Data Corporation (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XX/XX/XXXX, my gym locker door was pried off, and my checks and credit cards were stolen. Two checks were written on my account ( which was closed shortly after the theft -- check XXXX for {$94.00}, and check XXXX for {$76.00} ). I have been explaining to XXXX XXXX XXXX XXXX XXXX that I didn't write those checks. I have sent them copies of the police report and bank letter stating that the account was closed. XXXX XXXX XXXX XXXX XXXXXXXX continues to claim that I owe these funds, which I clearly don't, since I didn't write these checks. Please see attachment for further details.

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 11/16/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (VT).
Issue: Loan modification,collection,foreclosure

Complaint: I contacted US Bank because I was going through a divorce and need help with making sure that I could make my mortgage payments. I 've owned my home for six years, and never been late on a payment. My ex husband abandoned me and my XXXX month old son. I was told that US Bank offered many programs and that I would qualify for at least XXXX of them. So I applied for the loan modification, and was denied. I was n't given any other options! I applied again and was denied again. They said my income debt to ratio was too high. Well of course it would be! I have a mortgage and other bills! I thought the whole point of the loan modification was to help with you are having trouble!? I am now in the process of the short sale process, as well as the stages of foreclosure. I call the bank and email and they can not give me any answers to my questions. It 's like I 'm talking to robots. I have worked my whole life and to have my home taken away from me due to a divorce is so very sad. I 've never asked for assistance in my life, but when I really need it I 'm denied. How embarrassing this is for me. On top of this all, my ex husband has move to another state and is n't dealing with the stress of receiving certified mail, being served by the sheriff letters of foreclosure. What is the point of loan modification and offering it to someone? It gave me a little bit of hope then a nice smack in my face. I 'm looking for help! I 've drained every single account and IRA I had to try to keep my home. It 's a shame that my XXXX year old son and I are losing our home. I guess this is now the American dream.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation