milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2017 about Debt collection (Credit card debt) with LPSG (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: On XXXX XXXX, XXXX I received a voice mail message from phone number XXXX XXXX XXXX  XXXX stating that they just held a preliminary hearing in reference to a debt going back since XXXX in the state of XXXX. I called the number back and the woman that I spoke with stated that they served me XXXX to my job and that they are going to garnish my wages and will seek the maximum amount of XXXX. I told her that I was not served any papers and what addr did they have. She refused to tell me since this is a " legal document '' and can not give me any information. I told her that I was going to contact my employer to see if they received anything and she told me that she could not give me any information or send me any information about the document they have. I currently am no longer in XXXX but in XXXX. After she put me on hold she realized that they sent it to the wrong addr. When I asked her to send me the papers she STILL refused to send my ANYTHING. I am currently XXXX with my daughter so I use my mother XXXX in XXXX XXXX. The woman then transferred me to their collections department XXXX LP XXXX ph XXXX no address listed ) and they told me they can accept XXXX a month. They sent me a copy via email to signed. I FELT LIKE I SIGNED IT UNDER DURESS BECAUSE THEY THREATNED TO GARNISH MY WAGES. PLEASE HELP ME. ANY ADVICE WILL HELP. I would have gotten a lawyer but I do not have the money. Thank you in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/29/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried to get my free credit report online I had to answer questions about stuff that is in my file and only i should know the answer i could n't answer because the questions were about a mortgage loan and payment I 've never had a mortgage loan and payment it also asked me about a jewelry card I have a card but not from the choices

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have a XXXX account with Wells Fargo MORTGAGE. I have been trying to get a loan modification without success. I have been going through this for years now. Just when I thought I was getting ahead, and processing a modification, Wells Fargo sold my loan to XXXX XXXX LOANS. I am frustrated and still trying to get a loan modification. I do n't know if it is Wells Fargo or XXXX OR WELLS FARGO.

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 02/27/2018 about Mortgage (FHA mortgage) with Ditech Financial LLC (TN).
Issue: Incorrect information on your report

Complaint: In XX/XX/XXXX Di-Tech reported to all 3 credit bureaus that I was over 30 days late on my mortgage payment in XX/XX/XXXX. I have emailed them twice with attached documents of proof as well as talked to customer service. I have also called all 3 credit bureaus. Di-Tech still has not corrected this. 
They have also taken payments and applied them to a " unapplied account ''. Instead of applying them to my mortgage payment as I directed. This happened XX/XX/XXXX. I wrote a separate check for late fees XXXX It was split up. Part put into a unapplied account and other towards the principle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My loans ( subsidized and unsubsidized XXXX XXXX ) have been consolidated since XXXX XXXX, XXXX. My servicer is Navient. I have called them several times over the years to make sure the payment plan would qualify for PSLF after 10 years and 120 consecutive on-time payments. I received my third confirmation yesterday XXXX/XXXX/XXXX from XXXX at Navient. After researching more and calling XXXX I was told that my payment plan of Standard Extended 30 years does not qualify. That I would need to change my plan. I have been working XXXX with the hopes of utilizing this great benefit. However, now I am being told that I need to change my plan and start the process all over again and restart my ticker to count towards 10 years. I started and pursued my career as an XXXX with the hopes of using this program. I have had three separate conversations with Navient and all confirming that I was on the " right plan ''. There needs to be clarity and resolution for their actions. I have been misguided even though I have done my due diligence as the borrower. Navient should be held responsible and accountability taken on upon them. Now, I am in a situation where I will need to restart this process. Guidance and resolution is what I seek for this misfortunate situation. As a borrower, calling your servicer is critical, but there is only so much one can do but trust them when they have confirmed time and time again that I am on the right path.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Debt collection (Other debt) with 4M Collections, LLC (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A landlord, XXXX XXXX, in XXXX, Wa, filed and served an unlawful detainer upon myself and boyfriend by posting notice on the apartment AFTER we moved out. The boyfriend was in XXXX for a XXXX XXXX charge against me at their apartment. They knew he was XXXX XXXX XXXX and accepted the notice I provided them. The month by month contract may be broken so victims can relocate to safe, affordable housing. I provided a forwarding address where they mailed me my refundable security/cleaning deposit, an address also listed on the moving notice I provided them and their rental application. 
They knowingly improperly spelled my name on the court documents. They failed to properly serve us, and two days after knowing the apartment was vacated, posted notice they knew we would never receive. 
They won an unlawful detainer and judgment against us that we learned of three years later from a debt collector XXXX XXXX aquired and again, ten years later, in XXXX, another company, 4M corporation, also in XXXX, WA, tried to collect, this time filing a property lien on us before we were able to appear in court to respond. 
They had provided lawful service and we filed response and spoke in person to 4M when we provided working court copies. 4M told us due to this new information the court date, in two days, would be stricken. But, it was n't and we appeared and they did not. The judge called the office and was told they forgot to strike the hearing.
There apparently were more filings on this case a few days later that we were NOT properly served or received. So now nothing has changed or happened to resolve this in court. The unlawfully obtained judgement has been addressed but 4M is n't doing anything to complete their action against us. How any property lien even stand when the collector wo n't appear to be disputed?

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 09/14/2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Balance transfer

Complaint: I have a card with Chase Bank ( Amazon rewards ), which I 've had for at least 7 or 8 years. I have managed this card very well and have utilized less than 20 % of my available credit limit. On or around XXXX/XXXX/15, I called into the customer call center to request a balance transfer option, as I wanted to transfer a higher rate balance to my chance card for a lower amount. The woman that I spoke to identified herself as a manager who informed me that she personally has a Chase Freedom card. She explained to me that while the option was not currently available on my online account, she would request the marketing department to enable the balance transfer option for me, and I should see it most likely within 3-5 business days. She explained to me that the managers can request this on behalf of customers, and that customers sometimes stop getting the balance transfer offers when they do n't use them. She advised me to check the online account or call back to see if the offer was available, as the marketing department did not take customer calls. This manager sounded Caucasian, and also had an XXXX which I placed to be from the XXXX of the US. It was clear at the end of the call, that Chase would accept my balance transfer, so long as it was under my total credit limit on the card. 

I called back a few days later to check on the status, and the person at that time informed me that the balance transfer was still *in process. * I called back again sometime last week ( on or around XXXX/XXXX/2015 ) and spoke to another supervisor who claimed that all of the above was impossible, and there was no way to request balance transfers. 

I do not appreciate conflicting information, and am very eager to receive the balance transfer offer which I was promised. My understanding after speaking to the first manager was that I would receive this balance transfer offer very soon. I have a deadline to transfer the funds before the end of the month, and given that a manager from Chase offered me this option, I will hold Chase responsible for any interest charges that I accrue after XXXX XXXX, 2015. 

Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (MA).
Issue: Managing the loan or lease

Complaint: I was offered a loan amount of {$750.00} from Big Picture Loans and was approved and was told that the finance charge was going to be {$260.00}. Yes, a bit steep but It was XXXX time and I missed out on a week 's pay so I agreed to this. I had not been informed of the 850 % interest rate on the loan, that I was told there would be a {$260.00} finance charge, not {$6100.00} in total payments, and that I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. I also saw online that they filed bankruptcy back in XXXX so how can they be lending out funds with illegal interest rates 2 months later?

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (I do not know) with Navient Solutions, LLC. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: We have been receiving repeated robocalls all summer from a place called XXXX XXXX XXXX that is reported online to be an alleged debt collection agency with murky practices. We do not owe any debts whatsoever. Our latest call was received today ( XXXX/XXXX/17 ) around noon MST. The recording today ( and each one previously ) does not identify a specific problem, but urges the victim to call back because " this is not an advertising or sales matter '' and describes it as " important. '' Today I called the telephone number back and discovered that a recorded voice gave me two choices : 1 ) if I was " ready to pay my account in full '', I should have my bank card handy to do so or 2 ) I could press 2 to  speak with an operator about the matter. We do not have an account number and we do not owe any money! This is clearly either a scam or they are trying to chase down a collections account from some other person. No matter which situation, I want these telephone calls to cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is an update to a previous case filed with the CFPB, ( ( Case number : XXXX ) ). I previously disputed multiple collections on the aforementioned case and have since spoken with both XXXX and the original creditor XXXX XXXX XXXX XXXX. I am attaching proof from XXXX XXXX XXXX XXXX that these accounts were opened in a fraudulent manner and have subsequently been removed from my name for all financial responsibility herein. Please update your records accordingly and feel free to reach out to me with any additional questions or concerns you might have in order to help expedite this process. I can be reached at ( XXXX ) XXXX. 

XXXX XXXX Acct : XXXX Amount : {$6500.00} 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 non-monetary relief
Consumer complaint received 06-05-2017 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Today, I received an income execution from the  XXXX   County Sheriffs  Department dated  XXXX / XXXX / XXXX , indicating that my wages are going to be garnished for an original debt amount of :  XXXX   due to Chase Manhattan b ank with an original judgement date of :  XXXX / XXXX / XXXX .  <P/> It also added an additional {$5600.00} for interest, {$620.00} for  XXXX , {$40 .00} 1rst stage and $ {$30.00} for 2nd stage, fo r a total due of : {$13000.00} payable to  XXXX   XXXX   XXXX   XXXX .   Not only am I unaware of what this debt is for, I do not recall being served a summons to court over 9 years ago!   In addition, the interest on this debt seems exorbitant and unjustified.   This item does not appear on my credit report, nor do I feel that I owe this, being that it has exceeded the 7 year collection.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (I do not know) with Penn Credit Corporation (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Penn Credit starts  calling every day, never leaves a message but will call numerous times a day.   Previously they have asked for my father-in-law ( deceased since    2008  )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I filed a complaint with this company previously. They responded by stating that they sent me information verifying my debt.To the contrary I received a bill that did not have an accurate physical address. This would have not given me the opportunity to reprocess my bill through insurance or dispute this bill before it was placed on my credit. In addition I sent debt validation letters via certified mail and I have not received a bill with the accurate address nor has this company provided a copy of my signature with the provider of service to release my medical information to you. Another account was also placed into collections by this company. I sent a validation to this company as well and have yet to received a response. It has been past 45 days for both certified letters.

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 01/18/2018 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: The Wells Fargo Bank Visa credit card ending in XXXX since XX/XX/XXXX I have requested a new repayment plan. My previous Consumer Financial Consumer Protection case numbers are XXXX, XXXX I sent letter dated XX/XX/XXXX and XX/XX/XXXX. In the year of XX/XX/XXXX I submitted numerous complaints against Wells Fargo Bank regarding the delay in providing a new repayment plan. I can only afford to pay {$80.00} to {$100.00} per month. I received a letter from XXXX XXXX my case number is 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 12/30/2017 about Debt collection (Auto debt) with Westlake Services, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have received a response to complaint # XXXX along with documents provided related to this account. The response does not satisfy my concerns. XXXX XXXX supplied documentation and again the information they are reporting to the credit is in fact incorrect. Compliance Specialist, stated XXXX XXXX provided documents for a repossession on account number XXXX. However, if she reviews the account data she will notice the information is incorrect. The address listed on the notice is incorrect. The address was XXXX XXXX, XXXX, TX XXXX. XXXX XXXX was fully aware of the correct address. They can reference the correct address by reviewing account number XXXX. In addition, representative XXXX XXXX (possibly misspelled) was contacted on XX/XX/XXXX @ XXXX CST @ XXXX ext XXXX and was provided with the address details. In addition, XXXX would have supplied a change of address as one was on file since XX/XX/XXXX. Any notices sent from XXXX XXXX would have received a return change of address. Again, XXXX XXXX at the correct information for their files. The documentation within itself contradicts what XXXX XXXX notes in her letter. It is not my responsibility as a consumer to advise a data furnisher or credit bureau what is reporting incorrectly. Related to account number XXXX, the information provide contradicts the documentation provided as well as what is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: M & T Bank refuses to call me back regarding my request to modify my home mortgage and remove PMI. I 've followed their requests to pay for an appraisal of their choosing, and when the appraisal was completed I received an autonomous letter signed " Sincerely, Insurance Servicing ''. When I call the only number provided, there is no choice for the topic of my inquiry, and I have had to spend excessive time navigating the automated system that has no mechanism to direct me to a human M & T representative. When I go thru an option that is not why I 'm calling, I finally speak to a customer service rep who is not even allowed to provide me their complete name. They have no authority, they just put me on hold and eventually I speak to a person who just reads me back verbatim what is contained in the autonomous letters signed XXXX XXXX. When I ask to speak to someone in XXXX XXXX, I 've been told it 's not a department. I 've never felt less regarded for my business and my existence as a fellow human being. I 've been waiting two weeks now for someone with direct knowledge of the letter 's I 've received to call me back and discuss my account. M & T has no regard for me as a customer, and I would never recommend doing business with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Sent letter with attached application, copy of passport and utility bill to LexisNexis/XXXX over four weeks ago asking for annual disclosure. I called on XX/XX/XXXX to ask for the status of my disclosure. They only acknowledge receiving it on XX/XX/XXXX with no other information as to what is taking so long. I was told a " ticket '' would be put in for more information. 

They claim it was sent out on XX/XX/XXXX. No report has come in the mail yet. 

LexisNexis has a history of failing to send reports, taking a long time to process requests and ignoring complains from me. 

See previous complains : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: ASSET ACCEPTANCE , LLC & MCM FINALLY SETTLED COMPLIANT, BUT FAILED TO ADD MONETARY GAIN. I HAVE ADDED XXXX XXXX TO COMPLIANT ALONG WITH TCPA! SEE ATTACHED ) PHONE RECORDS ... .THET ARE VIOLATORS OF SEVERAL NEW CHARGES, PLEAE REVIEW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (OH).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Acct XXXX My used XXXX XXXX XXXX, that I bought in XX/XX/XXXX, financed by Wells Fargo Dealer Services ( sold by XXXX XXXX XXXX, XXXX, OH ) was totaled on XX/XX/XXXX, in an accident. I have no car now. From the day I purchased this used car, I have already paid {$8900.00} till XX/XX/XXXX to Wells Fargo in down payment and monthly payments. My auto Insurance, XXXX paid Wells Fargo {$5800.00} and GAP insurance from XXXX paid Wells Fargo another {$4000.00} So, Wells Fargo has received now a total of {$19000.00} for a car valued at {$880.00} Wells Fargo owes me {$5300.00} in over payments ... .but when I requested that amount to be paid to me ... I got a shock when THEY want more money from me for crying out loud ' Sadly, Wells Fargo wants me to pay them another {$1100.00} for some trumped up bogus charges. I know it is Fraud because the car was valued at {$9800.00} and Wells Fargo received about twice or more than that .... BEFORE EVEN THE CONTRACT WAS OVER. THIS IS FRAUDULENT BUSINESS PRACTICE BY THIS GREEDY COMPANY. I AM RETIRED AND ON SOCIAL SECURITY. I AM AGHAST and devastated AT THEIR DISHONEST BUSINESS PRACTICES. WHO WOULD HELP ME? WILL YOU? Wells Fargo twists facts and muddles figures as needed for their nefarious and evil business agendas and engage in unlawful activities to exhort money from American citizens at the heavy cost to the plain truth. Even today, the media broadcast the news where this company defrauded millions of customers regarding the auto insurance. Fraudulent business practices is in its ' blood. FACTS. Wells Fargo received a total of {$20000.00} ( approx ). from me, for a XXXX used vehicle worth {$8900.00} 4 years before it was supposed to have received the money. It is collecting compound interest and will keep on accruing on it for the next 4 years. Still it is trying to twist figures through high profile crooked accountants in its employ and trying to BLACKMAIL the consumer ( me ) into arm twisting for MORE MONEY. This is illegal and this company 's employees involved in this charade must be punished to the full extent of the law.

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