milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-05-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MI).
Issue: Settlement process and costs

Complaint: I 'm following up on the complaint I originally submitted against Wells Fargo. When they purchased my loan, according to my legal/signed HUD agreement, they were to collect tax payments to pay my taxes. They did not, nor did they notify me that they were n't paying them. They now have paid my taxes and have now raised my mortgage payment to over double what I am paying now, which I can not afford! It was their fault - THEY did n't abide by my legal, signed HUD contract - they need to spread my tax payments out over several years so that it 's affordable for me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (NC).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Purchased new XXXX with first payment of XXXX due on XXXX. On XXXX phoned in payment of XXXX with bank routing and checking account number. XXXX XXXX XXXX XXXX began calling on XXXX due to no payment and thru XXXX a total of XXXX times ( I was on vacation and working so was unaware of reason for call ). On XXXX received letter informing me of nonpayment. I called only to be told money had been received but had not been applied to my " monthly '' payment but principal only ( loan is 0 % ) so in my mind I am paying principal only and no interest is required. This was at approximately XXXX on XXXX. Customer rep said they would fix and we were square. At XXXX pm received harassing phone call wanting payment. I stated hope this call is recorded for if XXXX does not suspend calls I would seek legal counsel. Chases ' payment phone number is confusing and I was told I was to blame for hitting wrong button. My understanding is XXXX knew I had sent in XXXX to be applied to the loan account but would not apply it because I hit the wrong button. I have excellent credit ( over XXXX by most credit ratings ) and am trying to keep it as so, but I am anxious if I will succeed with Chases ' current administrative methods. This is an attempt to receive attention to their problem not mine, but if they continue to call, I will not hesitate to seek litigation. Thank you if you can resolve XXXX 's problem because I truly feel I have done nothing wrong and will continue to make my payments if allowed!

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Complaint is to address Well 's Fargo 's ( WF ) UNLAWFUL FORECLOSURE & DISCRIMINATING decision re XXXX/XXXX/XXXX auction of my property at XXXX XXXX XXXX, XXXX, CA XXXX. Sold $ XXXX/valued at $ XXXX/owed {$290000.00}. WF failed the California Homeowner Bill of Rights by not assigning a POC prior to auction on how I can qualify for re-modification. DISCRIMINATION : Day before the auction WF had receipt of Buyer 's Contract ( RPA ), HUDI, XXXX printout, house listing agreement & did n't contact Realtor to discuss further. My Realtor was denied this sale for her livelihood & sale could have been delayed 30 days for XXXX document needed per WF. WF rejected Realtors house offer & disregarded at age XXXX, that sale would replenish my depleted & penalized 401K used to keep mortgage current after my XX/XX/XXXX layoff. My realtor showed how I did quality to make mortgage payments. WF failed to assign a POC & I was the liason between WF XXXX XXXX Attys office & WF corp. office because phone number for mgr " XXXX '' was not permitted, always a different WF Rep for each call. I was repeatedly told a job & paper-trail was required for a re-modification & my realtor showed me that my social security, renters & family assistance qualifies me. WF emphasized I needed a JOB and PAPER TRAIL since I had neither, assumed I did n't qualify. WFs response to the first CFPB complaint was that her research was to determine if WF handled the foreclosure wrong, not to freeze the sale. I want my house back after my Realtor educated me on how I DO QUALIFY FOR A RE-MODIFICATION without employment.

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 03/13/2017 about Consumer Loan (Title loan) with JPMORGAN CHASE & CO. (DE).
Issue: Can't contact lender

Complaint: The car loan had to be transferred to my daughter but the financial company does not want to transfer documents so that my daughter can register the car in her name in another state

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Back in XX/XX/XXXX i was sent a letter from a company called " XXXX ''. they were writing to notify me of an old debt that was owed and i needed to pay it or they were going to place the item on my credit report. After some of my own research, I discovered it was a debt that a court awareded to my ex wife over 8 years ago ( the original creditor was Springleaf Financial ). So, i tried to reach the company at the number they provided but with no luck. it appeared to be a bad number because every time i dial it all i got was a fast busy. So, i mailed them a dispute letter ( because you have 30 days to notify the company that you dispute the validity of the debt ). I disputed it under section 809 of the FDCPA. Well, XX/XX/2017 they placed the item on my XXXX credit report. I filed a dispute directly with XXXX citing that per the FCRA rules the date of first delinquency was over 7 years ago and the item should be removed. so they deleted it within two days. I didnt realise they put it on my XXXX report until i checked that report today, So i submitted a dispute directly with XXXX today ( XX/XX/2017 ). I 'm writing because this company appears to not follow FCRA rules or FDCPA law and I feel they should be investigated. Also, another reason they should be investigated is not only did i receive the letter from XXXX, i also got a letter last week from a company called " XXXX '' who claim they manage the account with XXXX. This could and would likely be very confusing for the consumer. Meaning, a consumer may not know that its the same account. Having said that, I submitted two notifications to this company XXXX advising them that i am still disputing the debt under FDCPA law but also that per FCRA rules they can not report this on my credit report anymore. I have noticed that they appear to get away with the reporting side because they do not include the date of first delinquency to any of the credit bureaus. So if a consumer is not watching their report a company like them will put the items on the credit report and potentially get away with it. hopefully with my writing the CFPB these companies can change their practices and stop trampling on the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Debt collection (Auto debt) with Glasser and Glasser, PLC (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am currently being sued for a judgement in which I do not owe. I never had the property more than 2 days ( returned the vehicle due to a lemon law and the   XXXX   XXXX   in on me and my child ). I also informed the dealership of this and the company. The company suing is not on any of my credit reports as was reported as fraud. The original judgement I never received as well.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Debt collection (Credit card) with Selip & Stylianou, LLP (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Letter from Selip & Stylianou , LLP states : I last paid on XXXX/XXXX/XXXX on a XXXX bill. I still owe {$1200.00} on balance. Also states : A court granted a judgement against me on XXXX XXXX, XXXX for {$2300.00} for same credit card. As this card is 15 years old, I ca n't remember if I even had this card. This Law firm says its going to freeze my bank account and take all my money.

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 04/18/2017 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I did not have any procedures performed at  XXXX   XXXX  on  XX/XX/2016   . Furthermore, I never received a bill in the mail for this amount from any facilities. This collection is now on my credit report that I have no knowledge of.

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 11-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIRST NATIONAL BANK OF OMAHA (GA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: FNBO disabled my credit card without cause or explanation and is withholding my prepaid card deposit. For these reasons, I requested that my account be closed. FNBO has ignored this request and my account remains open to this day. FNBO is in breach of our Cardmember Agreement.

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 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Im a victim of identity theft and have had a fraudulent credit card account opened in my name with a company by the name of XXXX XXXX. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. I didnt consent, authorize, apply, nor request for this fraudulent credit card account to be opened in my name. The address on file does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. The XXXX police department deemed this fraudulent account as a fraudulent credit card account, and it is documented with the XXXX police department that, Im a victim of identity theft. There is also a address on my credit file reporting that is a fraudulent address as well in which, I never resided at the address listed. I have that address listed on my FTC/IDENTITY THEFT REPORT as a fraudulent address as well. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. Due to the fact the perpetrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this creditor. Im not going to be liable nor responsible for a fraudulent credit card account being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming this account as a fraudulent account, and this account need to be deleted/removed off of my credit files asap. This is not my account, and I shouldnt have to deal with an issue as such. I need assistance with having the account removed off of my credit files, and out of my name immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX  ,2017 30  days late amount {$100.00}  Compass BK Auto l oan

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 12/31/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed information as not being mine, or me not having any knowledge of accounts and they are fraudulent, but they do not remove the accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Billing disputes

Complaint: I booked a wedding at XXXX paid a deposit on my amex card in XXXX 2016 this was paid for in full my contract with the club asked for a check on the final day in XXXX 2016 which I wrote prior to the party. There were many issues that the vendor did not resolve and things they did not follow through with on their contract I am starting a small claims regarding this. I put a stop on my check for the final amount until they can work out a resolution. On XXXX XXXX 2016 the XXXX put a charge through with AMEX for XXXX dollars. This was not authorized by me nor does it allow in their contract I called amex to dispute after a month they put the charge back on and said the company had authorization. That is not the case they showed them the old deposit authorization. I just wrote and official letter to AMEX explaining the above because when you call you get nameless faceless people in a company that is far to large to handle consumer complaints I dont wish my credit to be ruined or reported late during this dispute process

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Credit card () with AMERICAN EXPRESS COMPANY (MI).
Issue: Billing statement

Complaint: Related to managing my American Express credit card ( https : //www.americanexpress.com ). Their website is VERY misleading. First, upon signing on to the website, the account activity screen shows only the current month 's ( period ) purchases and current amount due. Any amount due from previous months is not shown. Second, interest charges and late fees are NOT shown in the account activity detail. Any interest or late fees is included in the amount due. In other words, the current amount due is MORE than the total of current purchases. Third, payment activity shows only electronic payments made. I recently sent a paper check, they cashed it, and it does n't show in my account activity. And because only the current period balance due is shown online, I can not tell if the paper check payment was truly credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Mortgage (Other type of mortgage) with WESTERN UNION COMPANY, THE (TX).
Issue: Trouble during payment process

Complaint: We became customers of a XXXX XXXX, a mortgage equity accelerator company in XXXX of XXXX through our mortgage company, XXXX which has since been changed to XXXX XXXX. I was made aware that actions were taken against XXXX  XXXX by the CFPB in XXXX for misleading advertisements and deceitful practices of how and when the consumers money was collected from consumer and deposited into the mortgage account. XXXX XXXX also promised an average savings of $ XXXX in interest that the CFPB found XXXX XXXX had no documentation to support these claims. A fund of {$34.00} XXXX has been set aside for customers to be reimbursed for all fees collected by XXXX XXXX. I was never notified of this finding from my mortgage company or from XXXX XXXX and was allowed to continue business until present day. I would like for XXXX XXXX to contact me and provide the reconstitution required by the CFPB 's finding to include reimbursement of all fees I have paid to Pay Map since I began doing business with them in XXXX of XXXX. I also want the two mortgage companies to understand that they should have alerted their customers of XXXX XXXX 's deceitful practices to give us an opportunity to cancel our business. I understand that my current mortgage company, XXXX, no longer does business with XXXX XXXX but never passed this information on to me, their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: We experience a medical hardship at our house last year.. My husband and I were hospitalized, i needed a XXXX and my husband had a XXXX, this situation leaved us with medical bills plus additional expenses. We were current paying our mortgage but we needed assistance because the medical expenses were really high. I called our Mortgage company ( Nationstar Mortgage ) XX/XX/XXXX/XX/XX/XXXX for assistance, according the website or mail information they offer assistance in case this situation. The only option that they offered me was a repayment plan, it sounds good but I was told that they needed to report with the credit buro so i told them this option is not possible because I have worked to have a good credit and not possible, so I told them that in this case my only option was to be delay on my next payment and in the next months I will become current. they said ok, but they not only charged me Usd XXXX per month but also they reported me with the credit buro. Not sure if the reasson that was n't clear is because they want to charge the late fee. I called them and they said that they are really sorry, my credit was affected, XXXXpoints less, all credit cards started reducing my credit, increasing my interest, or closing credit cards. I am current now but the damage is done. I have asked them to listen to the conversation and communicated this to credit offices. I was behind 30 days all the time and now i am current but this does n't help to bring my points back. Please kindly assist with the situation, they offer / advertise assistance however, when i called I di n't receive anything and i trusted them and proceed based on the given information but i was affected. i have all documents from the hospitals and medical bills. i am asking to fix the information error with the credit offices taking our 30 days late plus late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Consumer Loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (SC).
Issue: Taking out the loan or lease

Complaint: THIS CREDITOR IS REPORTING ON MY CREDIT REPORT I HAD A LOAN FROM THEM IN XXXX SC LOCATION. I HAVE NEVER HAD ACCOUNT IN XXXX SC. I ALSO DISPUTED THIS DEBT AND THEY FAIL TO REPORT IT AS DISPUTED TO CREDIT BUREAUS AND REPORTING INACCURATE INFORMATION WHICH IS AGAINST THE LAW. ACCORD TO FCRA SECTION XXXX. THEY HAVE NOT VALIDATED THIS DEBT!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 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 resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from AD ASTRA RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD ASTRA RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Consumer Loan (Installment loan) with Risecredit, LLC (TX).
Issue: Managing the loan or lease

Complaint: The lender processed unauthorized withdraws when loan was satisfied.They said they were crediting back. Then said they are sending a check. I believe they also pulled another credit inquiry when they said I was " late ''

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Debt collection (Medical) with Ray Klein, Inc. (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX has multiple accounts for medical-only bills. XXXX of the accounts went to a judgement. I set up payments starting in XX/XX/2016 for {$50.00} every other Friday. When setting this up, I was ensured that all payments would go toward judgement accounts, not others. I called on XX/XX/2016 to inquire about balance, and was concerned it did not match up with my personal records. They sent me a detailed statement. I called back on XX/XX/2016 and spoke with XXXX and found out that there were many discrepancies, including the fact that payment had been applied to other low-balance, non judgement accounts. XXXX, I also pulled my annual credit report and found that account numbers and amounts did not match the records they provided me with. I asked for someone to call me or provide me with written documentation when the payment had been fixed reflecting the amount I paid, but was told that was not possible. XXXX became very irritated and aggressive when I let him know I was concerned by the discrepancies in all my information and would not be making further payments until I knew where my money was going.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my mortgage with Loancare / XXXX XXXX over two months ago and they will not send a release of trust deed to the county clerk, nor send me the cancelled promissory note, etc. Each time I contact them they give me a different story and a run-around. One time they say it was sent to the County the day after I paid it off ( the county has no record of receiving anything ), another time they say it has n't been sent to the county yet ( which is simple for them to do ), etc. They received the full payoff funds via wire transfer, and they show the loan paid in full on their web site. They give different lengths of time to wait, etc. always longer than it has already been. Reading other reviews on the web about them it 's common to see they do n't act reputably.

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