milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/14/2016 about Debt collection (Non-federal student loan) with Lazega & Johanson LLC (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A creditor Lazega and Johanson threatened to sue me on a private student loan debt where the statute of limitations had expired and also threatened to sue my mother who is listed as the co-borrower. In addition they threatened to add fines and additional fees. They then attempted to garnish my wages form my employment which lead to my termination.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: A few months ago I received a letter from Wells Fargo stating that they were willing to provide me a modification to avoid foreclosure. I responded to the information requested by Wells Fargo by provided them my financial and employment information. I have submitted documentation to Wells Fargo on over ten ( 10 ) occasions and called Wells Fargo re-entry team over 30 times. Wells Fargo seems satisfied with the financial and employment information that I provided them but Wells Fargo still keep requesting more and more information every time I provided them the information they previously requested. 

It seems like Wells Fargo has a stalling and circular system that is in place to pretend that they are helping, but not help at all. I have provided Wells Fargo sufficient information to make a decision whether or not they want to provide me with a mortgage modification. I have sufficient income for a mortgage modification and pay my mortgage. I will very much like Wells Fargo to make a decision because I do n't see how this wait, hold, and stall process is helping anyone. 
Furthermore, Wells Fargo needs to take its Fiduciary duties seriously and act in Good faith and provide fair dealings with me its customer. I am qualified for a Mortgage Modification. I have provided sufficient information to Wells Fargo to provide me a Mortgage Modification. Wells Fargo seems very unwilling to Modify my mortgage because it is more profitable for Wells Fargo, as a Servicing Agent, to benefit if my property is Foreclose than if Wells Fargo Provide me a Mortgage Modification. 
Wells Fargo need to fulfill its legal Fiduciary duties and provide me and my Family a Mortgage Modification because I am qualified and I have sufficient income to pay my Mortgage if my Mortgage is modified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I wanted to report to the bank of  america  because without any reason and without prior notice they cancel the credit card, I complained and never received an answer and they were left with {$1100.00} rewards money won over 10 years.   I sent a letter with my lawyer, and they never gave a solution, what I can tell you is that I use my card in my company and that is why they got upset, but they want to win all the money, however they charge between 3 % And 5 % for  cash advance,  then what difference does it make that I lend my company money and that they tell you how you can use your credit card.   However they overdrawn my accounts a {$880000.00} and the other account at {$880000.00} and remained negative  XXXX  hours, when I claim never gave any answer because I overdrawn the accounts in more than a  XXXX  and a half dollars. Then canceled accounts, This is a clear outrage, and discrimination on the part of the b  ank of america when closing the accounts.
I denounce this outrage because I can not pay a lawyer, to initiate the demands that are necessary, I hope you punish these financiers who only think of them and not the customers.

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 10/19/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX, XXXX I received a letter from a collections agency who said that I owe {$710.00} to an apartment complex they said I did not give a XXXX notice but only a XXXX that I left trash and did not feel my nail holes I have sent the collection agency and the lawyer that is now has the account all the information that I did what I said I did and they say I have not given them proof. They have put it on my credit and no one will rent to me and I will have to move and possibly live in my car.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Loans serviced by Navient are now handled by XXXX XXXX XXXX. XXXX has aggressively attacked me at home, work, through neighbors and people I have not had contact with in over 10 yrs. It's impossible to navigate their system in order to provide fair servicing in order to get my loans out of default. My loans are now over {$110000.00} directly related to fees making my loans more than double to originating amount. I have a 4 yr  XXXX degree that is costing far more than my salary. I refuse to work with XXXX and would like to know what my options are. I understand this company has been sued in the past for unfair practices and I would like to join any current petitions or suits filed against them related to handling of student loans.

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 02-04-2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/XXXX I called Citi to let them know while traveling my card had been compromised. There was a charge for {$38.00} and another charge for {$4.00} and some change. I filed a disputed and was told I should receive my credits in 2 business days. Today is XX/XX/XXXX and when I called the representatives are trying to say I need to wait until AFTER the investigation. No, I dont. That is a debit account, thats MY money. I shouldnt have to wait until the investigation is over to get my credits. I find it odd that I have to wait until AFTER the investigation to get my money back when one of fraud Transactions was already returned.

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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After reviewing my credit report on XXXX/XXXX/XXXX, I noticed late payments reported on my loan with XXXX XXXX. The lates reported correspond to the passing of Hurricane Maria wich affected the island of Puerto Rico during the months these lates were reported. Access to banking services where impossilbe for everyone since the island suffered from a major hurricane disaster and there was no way to obtain access to banking accounts and all our systems collapsed. These lates reporting are affecting me adversely since I am in the process of purchasing a home.

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 02-05-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I had encountered couple of incidents with my account # XXXX at Bofa and each time I was not alerted and the only way I had come to know about the issues when I was proactive in checking my account balance. First issue was when an individual wrote a check from his/her personal account for an amount of {$1900.00} that cleared the account on XXXX XXXX, 2017 due to the fact that the account number for this individual closely matched the account number for my account. However, had I not caught this soon enough, I would 've never known that this check did not belong to me and it cleared without any issues, since there were enough funds in the account to allow that to proceed. Of course, through some random checks someone at the bank would 've caught this, but who knows that would 've happened. 
The second incident occurred on XXXX XXXX, 2017 when this account was charged XXXX NSF fees at {$35.00} when just the previous day I had noticed that XXXX Merchant services transactions were showing pending for clear and the account balance showed that there were enough funds in the account to cover the balance. That same day, a check was also cleared, however I did n't receive any notification for a deficiency in balance and when I found out about it, the representative mentioned that it is too late to deposit any new funds to cover the balance. I was expecting some alert notification if the account reaches below a certain threshold and I have it setup also, but I 've yet to receive any message in time for me to take action on it. I am very proactive about keeping the account balance in tact so I do not incur any fees/charges. I have had this account for a long time and I have maintained a great history so I am really frustrated that I am not being notified in time for any suspicious activity in the previous case or when a balance at any time falls below a certain threshold to where an action can take place the same day. The Bank charged these fees unjustly in spite of the fact that the merchant services account is also with Bofa with daily deposits..

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 02/26/2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After Hurricane Maria passed I went to XXXX on XX/XX/2017 to have all lines switched over. It wasn't until two months later that I was notified that XXXX XXXX still had an open revolving account. XXXX did not switch all lines and the reason how I found out is because I was waiting on a final bill from XXXX XXXX to have XXXX process electronic visas to pay off the XXXX XXXX account. There were additional charges added which I notify XXXX about. I also notify XXXX XXXX that they did not have my correct address on file and that's why I never heard anything from them. I am currently still waiting on XXXX to process those electronic visas to pay XXXX XXXX. By the time two months had pass when I found out about the account still being open I had been laid off by my employer. I became XXXX and have not been able to obtain employment to make any payment of my own.

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 01-10-2018 about Mortgage (VA mortgage) with BOK FINANCIAL CORP (TX).
Issue: Struggling to pay mortgage

Complaint: I had a massive house fire that damaged everything in my home. My kitchen was gone. The insurance company suggested I hire a professional cleaning company to work on my house, and I called them. The company failed to complete work, and were also contracted to rebuild. They never started the rebuild. This happened around XXXX 2016. Around XX/XX/XXXX we finally settled on how much they were owed and I looked for a new contractor. I could not find many, and most were very expensive. I also was told by the mortgage company that the rest of the insurance funds would be held until the house was finished. I was able to secure a contractor, but I told the mortgage company without those funds I could not pay the contractor and my mortgage at the same time. I fell behind in my mortgage payments by six months, and ended up losing my contractor because they would not finish the work without being paid. The mortgage company refused to help and continued withholding the funds. I finished the work and had the final inspection, and got the large sum they were holding, and caught back up on my mortgage, paid the constructor, and caught up elsewhere. They knew they were negatively impacting my life and health. They knew what they were doing was morally unconscionable. They claim they followed their rules. They did not. They said they could not release funds because of the contractor license and some other inspection nonsense. It was absurd. They knew the position they put me in and they did n't care! Their behavior is reprehensible.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested validation and still yet to receive. I have not had any credit cards to over 7 years this is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with John C. Bonewicz, P.C. (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: COLLECTION AGENCY COUPLED WITH LAWFIRM VIOLATED FCRA, FDCPA, TCPA, SOL, PRIVACY AND CIVIL RIGHTS VIOLATIONS. SERVED ME AND SAID WILL SUE ME TOO ON BEHALF OF XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed this issue with the credit reporting companies but have not received a final response. 

I had an account with XXXX XXXX XXXX , XXXX. Since XXXX/XXXX/XXXX, I have been paying the XXXX District Attorney on this account. Since XXXX/XXXX/XXXX, XXXX XXXX XXXX has been reporting a balance of {$2800.00} to all XXXX credit reporting companies. Signature Leasing failed to report to XXXX XXXX XXXX that I was making payments through the XXXX District Attorney. XXXX different companies were trying to collect on this account with XXXX reporting negatively on my credit reports. I applied for an apartment in XXXX, XXXX and was denied because XXXX XXXX XXXX was reporting it as a collection account for XXXX XXXX XXXX , XXXX. 

Had XXXX XXXX XXXX , XXXX reported to XXXX XXXX XXXX the correct information about the payments being made since XXXX, XXXX XXXX XXXX would not have been able to report negative information and I would not have been denied for the recent rental application.

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 07/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Outdated information and negative old medical collection accounts continued to be report by XXXX despite payments made in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (Medical) with Merchants and Medical Credit Corporation, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I used to get XXXX supplies from this company, but when my insurance no longer covered the expense we contacted the company by phone and asked to stop delivering. We ended up moving and unbeknownst to me, they delivered another package of supplies at the old address that was not forwarded and I never received. When I got a bill for the delivery, I wrote them and told them that I did not receive the supplies and also that I had phoned them before that and told them to stop delivering. This collection agency is now trying to collect AND they put it on my son 's credit report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/23/2015 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dispute with XXXX XXXX and XXXX credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Student loan (Non-federal student loan) with Performant Financial Corporation (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I received a call from Performant Recovery on my work phone yesterday XXXX. When I answered the lady identified herself and said she was calling to collect a debt from when I attended school at XXXX. Currently I am in a program with XXXX relief to handle my private school loans. I told her do n't ever call this number again because it 's my work phone. She got angry and said well I ca n't reach you at your other phone. I said I do n't care do n't call this number ever again. She said I 'll just call the other person and hung up on me. She then called my mom 's work phone and harassed her. This made my mother angry as well. Very unprofessional and very ILLEGAL!

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I learned my drivers license was stolen. The spelling of my name have been changed in probate court. It is now XXXX XXXX XXXX-driver license number is ( XXXX ). The names I 've used in the past are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. My XXXX XXXX XXXX account number at XXXX XXXX XXXX was XXXX. I purchased the property on XX/XX/XXXX. XXXX XXXX annexed in XX/XX/XXXX. I do n't know why the bill do n't show the account number when I purchased the home. Unless I have a victim all those years. I know the XXXX XXXX have always stole utilities. From XXXX when I filed bankruptcy. My last employer was XXXX XXXX XXXX XXXX -from XX/XX/XXXX-XX/XX/XXXX the company EIN number is XXXX. Prior to XXXX XXXX I was employed with XXXX XXXX. Their EIN number is XXXX. XXXX XXXX XXXX EIN number is XXXX. I was employed with XXXX XXXX in XXXX. The case numbers I 've had in wage earner court are XXXX XXXX & XXXX My history have been deleted from the courts by XXXX XXXX & XXXX and XXXX XXXX XXXX. My past addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN , XXXX XXXX XXXX XXXX TN . XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX Tn XXXX XXXX XXXX  XXXX TN XXXX. My mother social security number is XXXX she XXXX XXXX XX/XX/XXXX. Her name is XXXX XXXX XXXX. My father social security number is XXXX he XXXX XXXX on XX/XX/XXXX-his name is XXXX XXXX At. His social security appears to still be active. Sisters, brothers, their children grandchildren, XXXX XXXX and all are using the XXXX social security number. A fraud alert was placed on my credit report by Attorney XXXX XXXX without my knowledge for seven years.

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 07/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've been a XXXX customer for many years, I added a new phone account for my cousin. She purchased the phone plus a new number under my account. I recieved on my credit report that I owe {$110.00} and was sent to collections. I contacted XXXX, they said I 'm up to date on my payments. That I should contact the collection agency and dispute it immediately.

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 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STERLING JEWELERS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have no knowledge of this account. I have sent out a debt validation letter XX/XX/2018 and haven't heard any responses from the company. I have filed identity theft with The FTC.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 have been trying to fix this problem since XXXX, but the credit bureaus just go by the word of the Creditor. I reported to the bureaus that that account is not mine because it could n't be my signature because I was fresh out of the hospital from my XXXX and unable to sit up let alone write. I want to see that paperwork with my so called signature to prove that it 's not me. I have the right under the Fair Credit Reporting act to ask and get a copy of The contract with my signature.

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 Prepaid card (Payroll card) with Empowerment Ventures, LLC (FL).
Issue: Managing, opening, or closing account

Complaint: Rushcard users like my self have ben waiting on there deposits for over 2weeks. I usually get some of my check from my employer. To cover gas or food during the week. An maybe pay my phone bill. But the card is now inactive an it does n't have my direct deposit on it. Im confused.

Company response to consumer: Closed with non-monetary relief