milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I am XXXX yr old single father on XXXX. I have been trying to negotiate my mortgage modification with Wells Fargo Bank for a solid 4 yrs. That being said I have been assigned no less than XXXX " Home Preservation Specialist 's ''. I have never been able to speak directly to any one of them, leading me to believe they are fictitious names. In paperwork correspondence WF gives you your " specialists '' extension number, When you call them you are not even given option to dial ANY extension number. 
The reason for this letter is not only for my own relief, but to highlight what continues to be a practice of toying with troubled homeowners until they have no options but to foreclose. 
Wells Fargo deliberately ignores the efforts of homeowners to make reasonable arrangements, even when they become possible for the homeowner. They need to be stopped. 
Thank You in advance for your shedding light on this serious problem. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Credit decision / Underwriting

Complaint: Ocwen loan is reporting to XXXX credit reporting agency I am 120 days late in XXXX XXXX, the house was sold in XXXX and I did not have a open loan with this company, they have not taken it off my credit report which is in direct violation of the Fair Credit Reporting act. They have a closed account stating 120 days late in the status area of their account on my credit file. This is causing us to be unable to fund a new home mortgage. I have filed disputes with XXXX and contacted Ocwen to be told they have to look into this and have 15-30 days, I have supplied copies of the XXXX information and the paperwork they filled 120 days after we sold our home in XXXX with our county tax accessor to prove my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Association Financial Services, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: This the second complaint, after being threatened verbally, and via email, I was forced to sign a contract under duress. I sent it back to them after harassing me they will be taking my home. I will attach the appropriate documentation. In previous complaint not only have I been harassed they failed to continue with even sending correct proof of the debt, then they sent me another persons debt information then admitted to doing so then stated this happens, I have a copy of that email. I am concerned my information has been compromised. I have copies of emails stating " I do not pay my debts and stall tactics ''. " I blame others because I do not want to pay my debt ''. I spoke with this gentleman on XXXX XXXX XXXX, as her verbally harassed me, I kept repeating stop trying to intimidate me. He stated " I can do what ever I want you do not pay your bills ''. I have a witness to the phone call and can provide if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (IN).
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 CHAPTER XXXX BANKRUPTCY ON XXXX XXXX, 2017, CASE NO. XXXX AND XXXX FILED TO ADHERE TO COLLECTING ON SAID DEBT, AND KEEPS REPORTING INACCURATE DATA TO ALL BUREUS AND STILL IN NOT REPORTING TO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Customer service / Customer relations

Complaint: Prior to XXXX XXXX turning over its Costco credit business to Citibank, XXXX XXXX resolved an account dispute with us, confirming in a recorded telephone call that we were entitled to a {$1000.00} credit and that such credit would be credited to our account forthwith. Before the credit was received, the transfer of the credit card business by XXXX XXXX to Citibank was competed. Citibank thereafter repeatedly promised ( in recorded telephone conversations ) to make good on the obligation it inherited from XXXX XXXX and complete the {$1000.00} credit forthwith. Citibank inexplicably has repeatedly failed, and now refuses, to complete the promised credit in violation of both its agreement to do so and in default of XXXX XXXX ' similar promise to which Citibank succeeded to. Citibank has even had some phony dispute resolution expert named XXXX XXXX pretend to be seeking a resolution of the matter. His promised response was never forthcoming, and his failure and refusal to return telephone calls confirms Citibank 's continuing bad faith in this matter. The dispute is unresolved after more than four months and countless hours of effort by us and unfulfilled promises from XXXX XXXX and Citibank.

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 10-03-2016 about Student loan (Federal student loan servicing) with Experian Information Solutions Inc. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Student loans being reported by XXXX XXXX, XXXX, XXXX XXXX XXXX and Department of Education. XXXX XXXX, XXXX, XXXX XXXX, and Department of Education. All the same loans on my credit report, so that XXXX loan appears 4 times as derogatory. This is violation of Fair Credit Reporting Laws. Loans have been forgiven under XXXX provision. 
Although I am attaching only my XXXX Credit report this affects all credit bureaus. 
I went to XXXX University and XXXX XXXX XXXX XXXX XXXX in Illinois.

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 01-12-2016 about Debt collection (Auto) with SYNCHRONY FINANCIAL (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: My motorcycle was stolen over 7 years ago and I obtained a police report, with which the debt was removed from my credit. It has now been placed for collection and has been placed on my credit again and they are consistently harassing me about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (Mortgage) with Ditech Financial LLC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Green tree has been harrassing me. They call 10x day, called my husband, my mother, my aunt. Green tree has called my business and has disclosed my personal financial information to employees. Green Tree has been abusive in its communications, threatening me and using profanity. I have asked Green Tree to stop calling me and they refused. I am stressed and embarrassed and do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Credit inquiries were removed from my Trans Union credit report and then they were all added back which is against the law. I 've reached out to them to ask them to remove all inquiries and I have not had any success. Thanks in advance for your 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 non-monetary relief
Consumer complaint received 01/14/2016 about Debt collection (I do not know) with High Point Asset Inc (MI).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: keep getting automated message from company out of Massachusetts syaying that I need to contact on a time sensative matter or legal matters will be taken. I get about XXXX " companies '' calling me every month claiming this exact same threat.

Company response to consumer: Untimely response
Consumer complaint received 03/21/2015 about Debt collection (I do not know) with Navient Solutions, LLC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter in the mail stating I had a ticket that I owed money for. When I called to find out what they were talking abut they said it was for a speeding ticket in Illinois in 1999. I was nowhere near there at that time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Ive sent numerous letters to XXXX, XXXX and transunion  in regards to fraudulent accounts reporting along with my federal trade commission report. XXXX XXXX ( XXXX XXXX ) is a fraudulently open account. Needs to be removed from all 3 reports. XXXX XXXX XXXX is Fraudulent needs to be removed. After reports and numerous attempts these still remain. They are fraudulent.

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 02/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX XXXX I discovered that I was a victim of identity fraud when a former girlfriend co-signed my name on a lease for an apartment, resulting in my name being submitted in collections owing over {$3000.00} from XXXX. This was also submitted onto my credit report. FCO, the collection agency has attempted to collect this false debt from me last summer. Shortly after discovering this, I disputed this along with submission of an affidavit with all relevant & requested paperwork with proof of identity & my residency at the time of incidence that this debt was not mine and that I was a victim of fraud. I mailed it via XXXX and per tracking, it was delivered to FCO on XXXX/XXXX/XXXX at XXXX. The fraud report was also submitted on https : //www.identitytheft.gov/ as well as disputed on my credit report ; however, due to FCO handling this XXXX the other XXXX disputes were not submitted. A couple weeks after the affidavit submission, I began calling FCO to follow-up on my case. Every person I spoke with was extremely difficult to communicate with, no one was straightforward. They all simply beat around the bush, kept putting me on hold and I got absolutely nowhere. Furthermore, no one could confirm nor deny that my affidavit was received, despite the delivery confirmation. I called back about XXXX2 weeks later and same story, same bush. I then told them to call me once something comes up. It is now XXXX and I just received a new invoice from FCO, yet again, attempting to collect the debt. I simply can not deal with calling this terrible thick-headed company again, as no one can help me. They ignore my submissions and only submit theirs. This is a false debt, it is not mine.

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 03-02-2018 about Vehicle loan or lease (Lease) with VW Credit (VA).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: My car lease was with Volkswagen. The lease loan was with Volkswagen credit. My car lease ended in XX/XX/XXXX and all payment due have been paid with my account in Volkswagen Credit fully closed on XX/XX/XXXX. After one year, they still send me bill saying I own them property tax for the full year of XX/XX/XXXX. I called them 3 months ago, explaining that this must be wrong. The agent realized they made a mistake and I might only owe the piece between XX/XX/XXXX to XX/XX/XXXX, which was the period I still had the car. They promised me to correct it and will contact me once it's clear. Now 3 months later they still keep sending me the same bill and now, with a notice from their collection department!!! I'm very worried they will abuse my credit report. If I did not pay attention to such bill I might have paid the excessive charge they recklessly put on me. I feel very angry as an individual consumer I need to worry about and deal with such excessive charge, and even after I made my effort trying to correct them, which they accepted and promised would correct, they still keep doing that! I need someone to investigate their statement system and correct the bug which might already have hurt many customers if they simply accept and pay it!

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/17/2016 about Consumer Loan (Vehicle loan) with TCF NATIONAL BANK (AZ).
Issue: Managing the loan or lease

Complaint: have an ongoing case ( XXXX ). I am a victim of a fraudulent car loan. The vehicle I purchased throu h have Gateway One Finance is a Lemon vehicle and is not sellable. The partial response received from Gateway One through CFPB was the first written response to my situation with the lender. I was told as I stated in my previous complant filing by XXXX at Gateway One that they do not send written notification of a fraud investigation and their findings to their customer. In Gateway One 's response, they sated that they have been reporting to the credit bureau that my account in a dispute status. This is absolutely not true. This instuition is now damaging my credit report by reporting late payments. The statement that the representative wrote in response to my CFPB complaint is about reporting dispute status is just another deceptive practice used by this institution and is steadily causing damage in my financial and credit situation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Account opening, closing, or management

Complaint: I asked XXXX Male official with Chase Bank should bring me to XXXX XXXX XXXX discuss with me in confrontation for opening bank account, I want XXXX male helps with me in banking service so I had difficult enrolling banking check account. I do not want be alone with difficult enrolling checking account, so I prefer that XXXX Male with Chase Bank official in high position helps working with me in Chase Bank procession that I need account number and routing number. XXXX Male Chase official did not meet with me in conformation, so I wait and unhappy with that I did not hear from Chase Bank. Why I had upset with someone did not show up. I felt bad disappointed with XXXX male did not show up .. I do not want alone filling out online and I do not want alone walking to Chase Bank that I am very afraid if there might or might not discrimanated against my appearances and XXXX ( XXXX ). I just horrible upset that I did not get {$750.00} and i was unhappy with XXXX XXXX XXXX. I do not want any XXXX worker at Chase Bank. I prefer XXXX Male works with me in ordering to open new account and I want XXXX male helps calling U.S. Department of Grants & Treasury in Washington, i had their contact name and business that allow Chase Bank Male official finds out and help me with routing and account numbers, give me Chase Bank Mobile, please please please please Chase Bank helps with me in opening account, possibilities.

Company response to consumer: Closed
Consumer complaint received 08/30/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Using a debit or ATM card

Complaint: I am a Bank of America customer and was planning to travel to the XXXX XXXX on a cruise. I notified Bank of American on XXXX XXXX of my plans and gave the stops. I received an email from Bank of Ameirca confirming that my travel notice was set fro my debit card. On XXXX XXXX, I attempted to make a purchase Touch XXXX in XXXX XXXX using my Bank of America debit card. It was rejected. I called the Bank from XXXX and spent XXXX minutes on the phone ( most of the time waitting ). I was finally transferred to the fraud department which confirmed that I did have a travel notice on my card. The representative attempted to approve the transaction and was unable. She transferred me to another representative who finally was able to put the transaction through. No one could explain why I encountered this problem. When I returned to the crusie ship I had a voicemail from the Bank on my cell phone thanking me for informing them of my travel. I complained to both the Fraud Department and customer service about the problem encountered using my depit card. 

I complained about the service and received an email on XXXX XXXX from XXXX XXXX of the Bank 's Enterprise Customer Care Resolution asking me to call. I ahave subsequently left three messages with no return call. I am seeking a explanation and an apology from the Bank

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Account opening, closing, or management

Complaint: My Personal Checking Accounts & Savings from Wells Fargo Bank were closed without notice XXXX XXXX. While attempting to use sufficient funds from the accounts, the cards were declined twice. Wells Fargo customer service department was contacted which then directed the case to the Loss Prevention Department. At that time, for the first time I was notified that the Wells Fargo Personal Checking Accounts and savings had been closed. It was also brought to my attention that the establishment no longer wished to do business with me as a customer. There was no written notification, verbal contact, email etc. to inform me as a client that the accounts were being closed. I proceeded to inquire about the funds that were in the accounts that had been closed without notification. Wells Fargo Bank informed me that a check would be cut XXXX XXXX and mailed. As a customer I am being inconvenienced without just cause. Is this something that can legally be done without notification? What can be done to expedite this process so that the funds are returned. Thank you for your time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (MD).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I am to pay on the XXXX of every month to Credit Acceptance, there is no grace period so on the XXXX and up until I pay my payment they call me at least 7 times a day starting from XXXX Est. time till sometimes XXXX. When I fell 2 months behind maybe close to 3 which I do n't know they do n't send no kind of statements or no paperwork of any kind out about the loan the came and repossessed my vehicle. I made arrangements to pay on it to get it out and an amount of {$510.00} on the XXXX of the next month well I tried to explain to them before I okay that arrangement I only get paid twice a month so my first check go to my rent and utilities I can pay on the XXXX but they would n't go for it, so before the XXXX came I called and said I will be late and told them I will have it paid on the XXXX they were like ok thanks for calling us this is breaking your agreement but we will note it. The XXXX come and they started calling my phone again up to 7 times or more a day. I think that is outrageous and I have asked them to please stop calling so much where I work I ca n't answer my phone to leave a message and they wo n't I gave them my Fianc number but they wo n't call her either. Can you help me with this harassment?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA).
Issue: Struggling to pay mortgage

Complaint: Rushmore has referred my home for foreclosure my loan was securitized and place in a trust where XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the alleged trust. The assignment are fraudulent and robo sigend and they were conveyed after the cutoff date of the loan trust, they have refused to work a modification on my loan, i dispute the said balance and i do not believe that Rushmore or the trust name herein are the rightful party of interest in this matter. I have removed the power attorney from the borrowers waive of rights in XXXX XXXX records and Rushmore/ XXXX Trust do not have permission to foreclose.

Company response to consumer: Closed with explanation