milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (ME).
Issue: Managing the loan or lease

Complaint: I were given a loan issued through wells fargo dealer services from the auto dealer I bought a car from. Not in the complaint but another issue the dealer decided to check XXXX banks for credit without our approval, which made our credit score go down. Anyways, I wanted to pay the loan off. Normally at other banks I have been with including XXXX allowed us to pay online or by phone via an ACH debit with our bank routing and account numbers. for example at XXXX I made an ach payment for {$15000.00} with no issue. However, what I learned was that Wells Fargo Dealer Services has instituted a limit of {$4900.00} on ACH payments per day, and that the only way you can pay even that amount is by paying a {$20.00} fee, since you need to speak with someone to do it. We just wanted to pay off our entire loan which was about {$17000.00}. Despite over 30 minutes on the phone trying to get a solution to not have to pay additional fees or interest, and just pay with the ACH for XXXX I was unsuccessful. No where in the loan documents or disclosures I was given explained that I was only able to pay XXXX at a time by providing my banking information for ACH debit. Despite this they would not let me pay this way. They did offer a wire transfer option that would have cost me {$20.00} at my bank, since they charge a fee for that. They also would allow me to send a check in which would take a few days, and thus accrue additional interest while the check was in the mail. Essentially, the unfriendly wells fargo policy was essentially causing me to pay additional fees that were not disclosed within the TIL. Despite the fact that the TIL says I could pay my loan off in full without prepayment penalties, Wells Fargo limited my options to options that would cause a fee ( Wire, or additional interest until they accepted the payment via mail ). I am very disappointed that despite wells fargo offering a direct debit ACH payment without fees or added costs, they would not actually accept my payment since I wanted to pay more than an arbitrary number that they set as a limit, and did n't notify me about when I got the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed bankruptcy and XXXX 2015 and it was discharged in XXXX 2015. Debts included in my bankruptcy started coming off my credit reports on their own and the ones I did dispute I received a quick response and they were removed. I 'm having an issue with XXXX I have disputed it many times to all three credit reporting bureaus, on the most recent XXXX I sent a copy of my bankruptcy petition and the result was they updated it on my report saying charged off sold to another lender but, yet on a privies dispute about two months ago they updated reports with status as included in chapter XXXX bankruptcy and now they have changed it to the charged off status. On last dispute Experian would n't accept my dispute because I had previously disputed. The dispute case numbers I provided above are the most recent ones. XXXX is showing up as derogatory and negative on my reports which is affecting my credit score as I am trying to build my credit. I 'm having success rebuilding my credit except for with this company reporting incorrect information on my reports. This is the only negative thing on my reports. As I am looking to the future trying to buy house with my husband, obtaining certain credit cards ( which I am using responsibly ) or loans to help build credit I 'm not able to because of this derogatory/negative incorrect information being reported.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Debt collection (Mortgage) with RCS Recovery Services, LLC (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: We have been asking for a statement on this debt for 2 weeks now, original request submitted XXXX XXXX. We were told then we would have it by XXXX the following day. We have received the same response each day since but are now being told that they have 30 days to send verification. We are set to close on a house on XXXX XXXX and the only thing holding the bank up is verification of this debt. I have also given them permission to speak with our lender to verify information when she calls. They have railroaded her each time. My last conversation with them was this morning in which they told me to continue to wait to which I replied they could continue to wait for further payments until we receive a statement. We have been making payments and are more than willing to continue. We would like to pay the debt off in full at this time but are being advised by the lending bank to wait until we receive the requested documentation.

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
Consumer complaint received 01/28/2018 about Debt collection (Other debt) with COAST PROFESSIONAL INC (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Failed to provide validation of the debt. I make no claim to this debt. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: After having banked with US Bank for several years on  XX/XX/XXXX  I received a letter notfying me that US Bank was opting to close my account based on what they deemed to be " Suspected Irregular Activity ''.
Despite filing a rebutal my account was " Closed '' offically on  XX/XX/XXXX and a cashier 's check issued by US Bank in the amount of {$920.00}. On  XX/XX/XXXX  in an effort to open another checking account at a diferent institution I was informed that US Bank reported me to "   XXXX   and   XXXX   XXXX   XXXX   '' after re-opening my " closed '' account without notice in an effort to charge me for a questionable charge previously disputed in  XXXX  of  XXXX .
Upon receving this information I made contact with my previous branch vie US Mail with a signature gurateee card along with a detailed letter to US Bank outlining my fidnings and questions surrounding questionable branking practices and lack of supporting documentation supporting the re-opening of a closed account without my prior acknowledgment.

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 04/14/2015 about Debt collection (Medical) with Executive Financial Consultants, Inc (KS).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Did not disclose communication was an attempt to collect a debt, I have no knowledge of it and it 's on my credit report? If it was debt it should have been handled by my lawyer because of a Auto Accident, that happened three years ago. Statue of limitations are way long gone for them to be attempting to get a medical bill paid from it. 

Why is this on my credit when the agency has n't even contacted me, and all the debt from this Auto accident has been settled already?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit card or prepaid card (General-purpose prepaid card) with CITIBANK, N.A. (CA).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: I obtained two {$100.00} rebate card from Citibank for a purchases made from XXXX on XX/XX/XXXX. In XX/XX/XXXXI attempted to use them to make a purchase to find they had both expired. I called the customer service line to get them reissued and was told that was not possible. In essence Citibank stole {$200.00} from me ( and possibly many other people ) behind this quick expiration scam, knowing full well and counting on the fact many people would wait too long to cash in.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, and possibly more resulting in a data breach in XXXX/XXXX 2017. They confirmed that I was affected by their " Potential Impact '' site www.equifaxsecurity2017.com They have put myself and millions of others at risk of identity theft/fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Medical) with Designed Receivable Solultions, Inc. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: DESIGNED RECEIVABLES SOLUTIONS ( DRSI ) hereby referenced as 'Defendant ' incorporated in the state of XXXX ; XXXX. as a foreign entity in the state of CA entity # XXXX alleged consumer hereby referenced as plaintiff of owning debt as a result of identity theft for a total amount of {$490.00} Plaintiff requested defendant to perform debt verification pursuant to the tenets of Section 809 ( 15 USC 1692 ), Validation of Debts, within the Fair Debt Collection Practices Act ( FDCPA ). 
Plaintiff was misleadingly asked to provide his personal data such as address which is different from the address defendant had previously collected from his client, XXXX. [ Exhibit.1 ]. Defendant purposely collected data to match consumers ' profile and therefore have this fraudulent item reported. Nevertheless, the collected data such as address should have been used for legal correspondence purposes only between plaintiff and defendant pursuant to 15 U.S.C. 1692 Section 805 however defendant used this address to falsely and knowingly report fraudulent information on defendant 's credit profile AFTER plaintiff indicated that debt is result of identity theft. 
Prior to credit bureau reporting, plaintiff performed validation of this debt and responded within the 30-day time period as set by 15 U.S.C. 1692 Section 809. Plaintiff informed defendant regarding the fraudulent nature of this debt. Specifically, following information does not match with plaintiff 's consumer profile : SS # Address # Insurance information # Plaintiff claims this debt is fraudulent. Plaintiff provided a copy of his police report to further justify his claim further requesting the defendant to refrain from reporting fraudulent data on consumer 's report pursuant to FCRA 1681 Section 808. Plaintiff requested defendant to cease further communications with plaintiff as per the fraudulent nature of this debt. 
Nevertheless, defendant reported this debt to plaintiff 's credit profile which violates the Fair Debt Collection Practices Act. Defendant is in violation of the following FCRA 1681 Section 808 : 807. False or misleading representations 808. Unfair practices 809. Validation of debts 812. Furnishing certain deceptive forms

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Struggling to pay mortgage

Complaint: In XXXX of XXXX I was approved to partake in a loan modification trial period through Ocwen due to financial hardship. I needed to complete 3 monthly payments of {$1000.00} which included XXXX, XXXX and XXXX of XXXX, which were my original payments. It seemed strange to have the same payments in a trial period but I did so anyway. I completed the payments and the only thing left to do was sign the promissory note and have it notarized. I submitted the notarized documents by the required XXXX XXXX XXXX deadline and it was returned as denied due to lack of completion. I called Ocwen to find out what the incomplete portion was and their verbal description was that my spouse also needed to sign it. In their words, " Due to the Colorado homestead act, my spouse must sign the promissory note for them to accept the modification ''. My spouse was never approved or obligated to be responsible for the original loan. I have spoken with an attorney, title company and other financial institution. that stated Colorado does not participate in the " Homestead act ''. They also advised my wife not to sign the documents because it appeared that Ocwen was not being ethical by stating her signature was required for the purpose of the " Homestead act ''. I called Ocwen again for clarification and my assigned account manager and his supervisor would not give additional information on the recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I looked at my credit report and noticed a total of XXXX credit inquiries, i never authorized the hard inquiries and was told several time by both dealerships that there would not be a hard pull on my credit. this was on the XXXX of XXXX. i told them several times do not run my credit hard pull without my permission and they did it anyways. I also had a similar problem on the XXXX  of XXXX from XXXX XXXX XXXX where they ran my credit countless times without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Today I checked my credit report and noticed I had an unpaid debt " derogatory remark '' against me on my XXXX report. It listed a City of XXXX ( original creditor ) unpaid parking ticket placed there by Professional Account Management ( debt collection agency ) on XX/XX/XXXX. I have never received correspondence regarding this ticket or debt from either party. 

I called Professional Account Management on XX/XX/XXXX at XXXX and they did not have my current address on file. They had a previous address in XXXX from 10 years ago. They claim mail was never returned as undeliverable so no attempt was made to verify my contact information. They told me my only option was to pay or contact the City of XXXX. 

I then called the City of XXXX parking on XX/XX/XXXX at XXXX and spoke with XXXX. The City of XXXX did have my correct address on file ( I did not provide the address for verification -- he provided it to me ). XXXX stated that the ticket was from XX/XX/XXXX for a blocked sidewalk citation and said my only option was to pay the debt. 

I never received the parking ticket on my car. I never received correspondence, either in writing or over the phone, from the City of XXXX or from Professional Account Management, even though the City of XXXX had my correct address. I have lived at the same address for the past 2.5 years, and my correct address is listed on my Texas driver 's license.I have no other derogatory remarks on my credit report and have paid all bills reported on time. I feel that this nuisance debt for a parking ticket was unfairly reported to credit bureaus -- if I had been contacted by either the City of XXXX or Professional Account Management and given the chance to pay the debt, I would have paid it to keep the charge from appearing on my credit report. It is n't fair that a negligible debt I was not made aware of can damage my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Vehicle loan or lease (Lease) with Pitbladdo Botteron and Jarvis, LLC (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I have a car through XXXX XXXX XXXX I was making payments every 2 weeks like I was suppose maybe 3 times out of the 2 years I had had it never was a problem some new company comes in calls claiming to be XXXX XXXX XXXX I make payment over the phone like I usually  do some times check my account for my card it says XXXX XXXX so  I called them up asking who they were they told me XXXX XXXX XXXX went out of business that i needed to start paying them I said to them muy loan was not through them so let me see if I can get advice from a legal person only because I was making payments but nothing was never getting reported so I go to DMV to see if I have a hold(lien) on the car  the print me out a paper saying it's still in me and XXXX XXXX XXXX name so now I'm asking question they won't or can't answer no I'm like stuck because I'm making payments every 2 weeks or just putting the whole amount down in 1 payment for the month but it's

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX, while on unemployment, I reached out to Keep Your Home California for assistance with making my house payments. At that time I was told that Wells Fargo was participating in the program and that I would need to get specific paperwork from them. When I called W/F requesting the paperwork, I was connected with a home preservation specialist. This person informed me that Wells Fargo had an assistance program under the federal government 's Home Affordable Unemployment Program that he could put me right into, no wait time or paperwork, I only needed to fax a copy of my unemployment insurance award letter and my monthly payment would be reduced for 12 months. As soon as the XXXX payment was made, I received a demand letter from Wells Fargo for nearly {$40000.00}. That is when they put my into their loan modification program of which I have never been able to qualify for. I either did n't make enough money, or I am making too much. The value of my house was n't high enough or it might be to high. Negative Net Present Value is usually the deciding reason they give for not giving me a modification. I even offered {$50000.00} to pay down the arrearages. I believe that this original home preservation specialist was in an incentive/bonus plan for steering me into the Wells Fargo unemployment program that left me owing them, and them denying all modifications, whereas the KYHC program was a helping hand through the federal bailout plan. When I directly requested the notes on my file during this period, I was denied in writing. They said I needed a subpoena or court order to obtain the information on my file. I was informed yesterday when I called Wells Fargo that I was in foreclosure, with a sale date of XX/XX/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 11/19/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CO).
Issue: Managing the loan or lease

Complaint: I purchased a loan with west lake fiancial in XXXX 2016, because I wanted to build my credit to which was nonexistent. Everything is going well until I was informed that I was not getting credit for payment XXXX XXXX2016 XXXX. I was told to provide proof of license and social security card ( which I did that month ). Several months later and many calls to my the credit bureaus to resolve my trouble which was minor and I was told to wait till the next month to get an update.by West Lake Financial. If my credit was bad from the start why was I not told to provide info before..? They ca n't file because of some discrepancy issues. Credit agency told me nothing should hold them back file my payments in the system. I need financing help

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I refinanced our home in XX/XX/XXXX, so we could get a lower interest rate. So, after my husband setting up this meeting to sign the papers and in trusting the agent that came to our home and the bank my husband set this up with, we signed and got a lower rate. In XX/XX/XXXX, my husband and I separated and he moved out, so called the bank to see about making partial payments until I got a full time job, then I would be able to make the full payment. The bank at that time told me to call back in a couple of days so I did. When, I called back in a couple of days, they told me the loan was sold to call the other Mortgage Co. so I did. They wanted me to fill out paper work for Act 91, so I did. After, sending the paperwork in by mail and fax they always lost my paper work, so I would re send it always. Now, after not paying them for about a couple months, the loan went into Default. I called them and said what 's going on? They always said the paperwork was missing, they did n't get it, they just gave me the run around. I have gone to counseling twice. Now, my house went into Foreclosure and at that time I was in the middle of filing bankruptcy. My house was up for Sheriff 's sale in XX/XX/XXXX and it sold, but I was still in the middle of filing bankruptcy. After all this happened I went back to my paperwork to read the agreements again. I am finding that when my husband and I refinance our home in XX/XX/XXXX, the bank messed with the paperwork. To make it look like I was the main bread winner of the household, I was n't, my husband was, so what they did was used my credit ( caused I had good credit then ). with my husband 's income. No bank in there right mind would give me a loan of that size no matter how good my credit was. My husband, his credit was no good. Of, course we did n't know the bank or the agent did this, we trusted them and signed the papers. Now, the house is up for Foreclosure again.

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 09/30/2015 about Bank account or service (Checking account) with FLAGSTAR BANK, FSB (MI).
Issue: Problems caused by my funds being low

Complaint: Earlier this year, I contacted my bank and requested a RETURN and/or STOP PAYMENT on any payments presented that would cause an OVERDRAFT of my checking account. I was informed that the bank would return any payments presented that would cause my account to OVERDRAFT. On XXXX XXXX, 2015, FLAGSTAR bank attempted a " RETRY PYMT '' in the amount of {$120.00} against an available balance of {$3.00}. The bank subsequently presented another " RETRY PYMT '' in the amount of {$18.00}. As a result of this activity, my account which previously had a positive balance of {$3.00} was negative {$68.00} in bank fees. The items presented were NOT paid and returned.

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