milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/25/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (SC).
Issue: Problems when you are unable to pay

Complaint: In XX/XX/XXXX, I received a letter from WELLS FARGO AUTO FINANCE stating they had created a new account number for my auto loan. The vehicle was repossessed in XXXX and subsequently the loan was charged off. I lost my income in XXXX XXXX due to XXXX and no longer able to work at XXXX XXXX. 

They then began reporting BOTH accounts to the credit bureaus showing a balance of {$10000.00}. In XXXX, I disputed with the XXXX and the original account balance was changed to {$0.00}. However, the duplicate account continues to report falsely. This loan was charged-off after the vehicle was repossessed in XXXX.They are reporting inaccurate, false data solely to harm my credit. 

In XXXX, I received a XXXX ( Cancellation of Debt ) and had to file same, as income, with my XXXX taxes. Even the XXXX appears to have errors on it, showing XXXX instead of XXXX ... .and the acct number is different from that appearing on their XXXX letter advising me of a " new '' account number ; for a second account I never authorized or opened. 

Now that have increased the BALANCE reporting to bureaus to {$11000.00} despite showing it as CHARGED-OFF. They also report it as OPEN. I do not, and never did have XXXX auto loans with Wells Fargo. This is 100 % FRAUDULENT reporting! All three major CBRs have documented DISPUTE, but continue to enjoin Wells Fargo in perpetuating this violation of the FDCPA, FCRA, TILA, and Section 166 of U.S. Treasury code 26 CFR 166 ( et al ). 

I am not, nor have I been receiving any statements, as required by law, when interest is being accrued to a loan. This is a violation of Truth in Lending Act. 

WELLS FARGO has wantonly and willfully violated my civil rights, caused me great harm financially, and caused me extensive pain and mental anguish because of their violations and because of their defiance to correct the problems when I disputed them through proper channels.

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 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I was late on a payment in 2009, because the bill was sent to my XXXX address. I never missed a payment since that date. Navient avoided getting in touch with me and denied my request to have the old ( greater than 7 years ) blemish removed from my record. They were very hard to work with, changing the requirements to submit a request to review the situation twice during the process.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: COLLECTIONS AND XXXX INQUIRY WAS DELETED FROM MY TRANSUNION CREDIT REPORT SO I CALLED THEM TO SEE WHAT 'S GOING ON BECAUSE IT WAS DELETED AND THEN 3 DAYS LATER IT WAS REINSERTED I TALKED TO XXXX IN CUSTOMER CARE AT TRANSUNION AND HE REPLIED THAT THERE IS NO ISSUES WITH TRANSUNION AND THAT I MUST TALK TO XXXX WHICH IS THE ONE THAT IS PROVIDING THIS INFORMATION I EXPLAINED TO THE REPRESENTATIVE THAT I ALREADY CALLED XXXX WHICH IS THE ONE THAT MONITORS XXXX OF MY CREDIT BUREAUS AND STATED THAT IT IS TRANSUNION ISSUES NOT THEM BECAUSE NOTHING CHANGED ON THE OTHER XXXX BUREAUS IT WAS JUST TRANSUNION I ALSO MENTION THAT THEY ARE VIOLATING THE FCRA LAW BECAUSE I WAS NEVER NOTIFIED BY MAIL WITHIN THE 5 DAYS OF THE ITEMS BEEN REINSERTED AS THE FCRA STATED AND HE REPLIED THAT HE COULD N'T HELP ME. I DEMAND THAT THE FOLLOWING ITEMS THAT WERE REMOVED AND REINSERTED BACK TO MY TRANSUNION REPORT BE DELETED AS THE FCRA STATES AS I WAS NEVER NOTIFIED ABOUT THIS ISSUE WITHIN THE 5 DAYS THAT FCRA LAW SAYS THE ITEMS ARE XXXX # XXXX,,,,, XXXX # XXXX,,, ,XXXX # XXXX,,,,, ,XXXX # XXXX,,,,, XXXX # XXXX,,,,, ,XXXX # XXXX,,,,,,, XXXX # XXXX,,,,, XXXX # XXXX,,,,, XXXX # XXXX,,,,, ,XXXX Requested On : XX/XX/2017

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 06/17/2016 about Student loan (Federal student loan servicing) with National Education Servicing, LLC (DE).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My student loan company is increasing the payment amount from XXXX to XXXX under my IBR plan. Despite that the fact that my income actually decreased from XXXX in XXXX until XXXX in XXXX. My wife is XXXX and I am the only breadwinner. I have over $ XXXX in student loans. This is not right. I have had to make 4 attempts to apply for IBR. I have repeatedly tried to resolve this issue with them but they continually insist they are bound my law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I am writing to complain  American Express Credit Card.      Because  A  merican Expresss mistake and misoperation, I become a victim of internet fraud. At  XX/XX/XXXX , I made an online trade with the fraudster ( email owner of  XXXX  ). The fraudster made a {$20000.00} bill payment to my American Express credit card, and I did not deliver the products until the payment status change from pending to complete. Because it is a large amount of transaction, during the period ( from  XX/XX/XXXX   to XX/XX/XXXX  ), in order to verify the payment, I called and double checked with  American Express for 3 times. Every time, I got the same response that the transaction is cleared and complete, and American Express has already received all the money and paid to my account. After the fraudster received all the products, the fraudster totally disappeared and I can not get in tou ch with him anymore. So I realized that the transaction is a fraud, and at   XX/XX/XXXX , I ev en reques t American Express  to freeze my account and hold all the transactions. However,  American Express di d not hold the transaction and reversed the {$20000.00} payment back to fraudsters account at  XX/XX/XXXX . I have contacted them for getting the fraudster 's account number and bank information. However, they said they do n't know. I have attached the fraudster 's payment record and payment reverse record to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Vehicle loan or lease (Loan) with PRESTIGE FINANCIAL SERVICES INC (AZ).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: On XX/XX/XXXX I purchased a used XXXX XXXX XXXX XXXX at XXXX XXXX XXXX for {$15000.00} The vehicle was financed through Prestige Financial and my monthly payments were {$370.00} for 72 months. I made a total of {$6400.00} in payments in which {$820.00} of that was applied to the principle balance. Now my balance is approx {$16000.00}. I was never made aware of any additional charges to my loan and have requested them to give me a detailed explanation of charges and they have not provided me with anything.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (AZ).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I have a Wal-Mart credit account with Synchrony Bank. I went on an unpaid medical leave from work in XXXX, 2017, and lost my job in XXXX. I have filed an XXXX claim that is currently in appeal, and I have no income. I 've been making small payments here and there when I can, but with no income, that 's not very frequently. I 've answered their calls and explained my circumstances several times. They 've gone back over old account notes and confirmed my information and situation numerous times. Recently the calls have become harassing and accusatory. They ask why I do n't have a new job, when do I think I might be able to become a productive member of the workforce again, do I have friends or family I can hit up to pay my bills, etc. I 've made it clear that I will resume normal payments as soon as I can, and if they look back over my account they can see I never missed payments while I was employed. They have threatened to send the account to collectors hoping to scare some money out of me. I explain that I understand it 's their job to try to get me to pay, but I ca n't pay with no money and I understand if they have to send the account to collectors. For about a week now, I 've been getting calls from them every few hours every day.

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 10/26/2016 about Debt collection (I do not know) with Northeast Recovery Solutions, LLC (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: A woman by the name of XXXX called my husband. SHe told my husband I owed XXXX. He asked for what and they would not tell him. My husband gave me the phone number to call back. I called the number and a guy answered the phone not even mentioning the name of a company. He immediately transferred me the XXXX and I asked her what this was in reference to and how dare she call my husband and give information to him without my knowledge. She told me that I am a " friggin mess '' and that she was going to have my wages garnished. I have no idea what company this is and when I look up the phone number online there are similar complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Mortgage (Home equity loan or line of credit) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My former home is in the foreclosure process. The property has XXXX liens against it - the XXXX with XXXX and the XXXX with USAA. I am trying to complete a deed in lieu with XXXX, but I ca n't until the lien with USAA is settled and released. In my negotiations with USAA, USAA is being slow and/or unresponsive. It is taking them XXXX days to respond to my offers, increasing the likelihood that XXXX will do a judicial foreclosure and USAA will end up with a lower settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I had confidence that my personal credit history and information was protected by Equifax and had to go through the process of freezing all of my credit reports to protect my information. This is what I 'd expect my credit agency to manage and there was no assistance as I had to do the filings myself. I never received a notification and was directed to some web site to find out if I was impacted by the security breach. I do n't trust their site and did not apply for any of their credit protections and handled that process on my own. 

This is a serious matter with my personal information having been obtained through a reckless and unreliable security process on the part of Equifax. It is a serious lack of attention and protection of my financial information and is unacceptable. I will have to monitor when to release the freeze if I need to apply for credit or a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Debt collection (I do not know) with AllianceOne Recievables Management (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, CA XXXXTel : ( XXXX ) XXXXTo Whom It May Concern : For the account referenced in this dispute, I was never notified of the debt or sent any request to pay it. Additionally, I have been trying for the last two weeks to reach a representative from Alliance One but all of their phone numbers go straight to a busy signal and I 've tried to reach them with no success. 

It seems many others have similar complaints XXXX pay all my debts I 'm happy to pay this balance ifa ) I get a letter or statement about what it isb ) A chance to pay itI do n't understand why a collection agency would avoid communicating about a debt they 're trying to collect, but based on what I 've read online about the company, I 'm thinking it 's some type of scam. 

Thanks for looking into this, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Transaction issue

Complaint: On my XXXX credit card statement from XXXX XXXX XXXX, I had a balance due of {$7700.00}. I paid this balance in full on XXXX XXXX. On XXXX XXXX, without any notice or warning to me, XXXX XXXX XXXX withdrew an additional {$7700.00} from my personal checking account. I asked them to refund the money and their initial response to me was that they would issue a refund in 5 -7 days. I contacted them today, as the seven days were up, and they said it could be another seven days before a decision is made to refund me my money. They said this was because the refund was over {$7500.00}. I told them this was creating a financial hardship, and that they had no right to make the withdrawal from my checking account as no payment was due. Their response was, we are sorry, but they have a policy. I asked to see the policy, and they refused to do so. I have never had such treatment from a major financial institution. It was their error, they acknowledge that. They should be refunding the funds promptly. 

No one at XXXX XXXX XXXX has expressed any doubt that I am due a refund. They are just holding my money, and not keeping their promises as to when they will give it back to me.

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 08/13/2015 about Debt collection (Medical) with Collection Consultants of California (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: 2nd complaint. 

I have sent in XXXX requests certified mail asking for Collections Consultants Of California to:1. Prove that the debt is mine and have yet to receive any validation. 


2. I have also requested a HIPAA authorization askingThey have no right to " subrogate '' ( substitute ) themselves into a medical related contract, whether it is by purchase, assignment, transfer, or trade. If they " bought '' the debt, they did it on their own behalf, not at the request of any alleged debtor, and therefore are a " stranger to the transaction '' ( voluntary payee ).

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XX/XX/XXXX I received a court document showing a lien against me in California. I live and work in XXXX so this envelope came to my parents house by regular mail. I emailed XXXX asking for proof of it being my debt ... no answer. I gave permission for XXXX to negotiate pants with mom ( revolving acct opened XX/XX/XXXX- no pmt made since XX/XX/XXXX. They would not agree to payment plan or negotiate a lesser amount. 5 days later, with no notice, {$2000.00} was removed from my bank account and I am now stranded in XXXX-with no $ $ to return to work after the holidays in XXXX. 

Does all of this seem legal? 

XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: i went through a loan modification with Bank of America and was told that if i completed the six year modification that all negative comments would be removed from credit report. i have tried to resolve the matter several times.

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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I have been trying to achieve a copy of my Equifax credit report and place a security freeze after the Equifax data breach since XXXX XXXX, XXXX. I have n't got any success in getting a response through several phone call attempts and online requests. This is truly frustrating experience. It seems like Equifax completely stopped answering to any concern in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (I do not know) with Receivables Outsourcing, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I mailed this company a certified mail via US mail in an attempt to have the company validate the debt. The letter was returned to me via us mail because the address that is listed on my credit report is invalid. By law this ca n't be reported on my credit file especially since the debt is unable to validated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Billing statement

Complaint: I received a XXXX from the Barclay Bank located in XXXX, Delaware in XXXX of this year. Between the months of XXXX and XXXX, these are my actual charges I made on this XXXX account : {$500.00}, {$100.00}, {$470.00}, {$620.00}, {$480.00}, and {$48.00} ( total of my charges {$2200.00} ). My total line of XXXX was {$2500.00} ( {$2500.00} minus {$2200.00} = {$260.00} ). The available balance on this account is only {$260.00}. Then, I received a letter in XXXX that my line of credit has been reduced by {$800.00}, and my new line of credit is now {$1700.00}, with around {$300.00} available credit left. I did not add any fees or interest with my charges, because any fool just made up fees and interest that were not right. When I asked how they got the fees and interest, I never got a straight answer. None of the statements will be accurate, new fees and interest are just put on the account each month. I make payments each month on this account, on time and with no late payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I rented a vacation apartment online, and upon seeing that the price was more than double the advertised rate, I first attempted to get a refund for the rental through the landlord, but they refused. I called the bank to see if I could cancel the charge to my debit card. I explained to the agent at my bank about what had happened, and asked what my options were. The agent assured me that we could contest the charge and would win. I mentioned that I was hesitant about it, because I would hate to rent a separate property, only to end up having to pay for both down the road. The agent assured me it would n't come to that, and that I should proceed in renting a new place to stay. Sure enough, after the vacation had come and gone ( and we had rented a separate hotel room ), the bank concluded that I had LOST my contest, and would still have to pay the {$730.00}. I called the bank back to explain the situation. I asked them to pull the audio recordings of the call so they could hear the agent assure me I would get my refund. They said they would re-open an investigation and pull the tapes. One week later I received a letter saying they were upholding their decision, and that I would still have to pay the {$730.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-07-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I filed my application to change from the XXXX plan to the XXXX program in XXXX 2016. 
I made my payments under the XXXX plan for the following months : XXXX XXXX XXXX For XXXX 's payment, according to the regulations and my application, I received a forbearance until XXXX XXXX, 2016 ( one day prior to XXXX payment being due ). I paid the {$5.00} reduced, forbearance payment. 
I called last week to inquire what the status of the application was and how much my payment would be after the forbearance ended. The person with whom I spoke told me I was still under the standard repayment plan and I would not be in the new plan for another month, which is contrary to my application and the regulations. 
I am still in the dark about whether a payment is due for XXXX and what the amount will be. If no payment is due, I am now off another month from making a payment towards my XXXX XXXX XXXX XXXX. 
Please contact me as soon as possible to discuss this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am concerned that someone may have attempted to open accounts under my name. All security questions asked when I requested my report were not applicable to me and once I submitted this is received notice that my reports were unavailable due to security reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (Other debt) with The CBE Group, Inc. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Posted fraudulent record to credit Bureaus.

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 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: violation of my rights cra inaccurate infomation sent the hpd report to them XXXX

Company response to consumer: Closed with explanation