milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (NC).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I purchased an auto From XXXX XXXX XXXX NC. The date was XX/XX/XXXX. My payments were around XXXX a month. The payment was the same but half the money WF claimed was for interest. Only half the payment went to the principle. I noticed that people kept calling from a local number in regards to the XX/XX/XXXX loan. The payment was in default without my knowledge from my ex-husband. He had my car in arrears due to a chronic behavior. When I finally was able to retrieve paperwork. It was in arrears almost three months. The car started spitting and sputtering and someone said to take it to the shop and another suggestion was the bank had a device on it to repossess. That said I knew this was not the case because I banked with Wells Fargo. During the early years the point of contact was always the same. Fast Forward to XX/XX/XXXX. The car spits and sputters me into the other lane while driving and I coasted it into a driveway. After an hour it starts, then I drove it to XXXX in XXXX NC. It got stuck in park and would not move.I called a wrecker and they took car to XXXX ( XXXX ). They kept refusing to talk to me and when they did they said they couldn't find the problem. I called Wells Fargo and this is when they said the car was three months behind. I paid it and all of the sudden, XXXX Calls and the car is fixed. They still don't know what is wrong with the car. I went to pick it up and they had a used car sale sign on it ready for the sale. They denied. I drove car home and my father helped me catch up insurance and payments from that time till XX/XX/XXXX. At this time I was in XXXX Georgia with a job interview and preparing for work. I was stopped at the intersection by what appeared to be an alleged wreck.I deny the allegations. The car was taken possession at this point by XXXX insurance who claimed it was totaled before ever investigating. The XXXX representatives insisted it was my fault. He also questioned if I had other insurance. I denied. Why would I carry two insurances ' on a car? Its hard enough to pay for one carrier.  Theres more. Contact please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Prepaid card (Transit card) with NETSPEND CORPORATION (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: To whom it may concern ; My name is XXXX XXXX and I am a previous Netspend cardholder. On XXXX/XXXX/2015 I filed a claim for unauthorized charges. I received correspondents in the mail on XXXX/XXXX/2015 informing me that claim # XXXX was found in my favor and {$180.00} would be refunded to my account. Unbeknownst to me, my account was closed on XXXX/XXXX/2015 without reason. I was never informed of anything suspicious on my account nor was I informed that my account was even being closed. On XXXX/XXXX/15 I tried logging into my Netspend account only to receive a message to call customer care because my account was locked. At that time they informed me that my account was closed and the funds were issued to a check and sent out to my address on XXXX/XXXX/15. I have yet to receive anything in the mail and any helpful answers for Netspend Customer Care. I even opted to have the check canceled and the funds put into a relative 's Netspend account. I 've read numerous accounts and complaints about closed account owners never receiving their check as promised. I can not afford to be one of those. If the check was sent out from Texas on XX/XX/XXXX, I should have received it by now. I just need my funds returned please. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: My home mortgage is with Wells Fargo. I notified Wells Fargo in XX/XX/XXXX that I was put on XXXX in XX/XX/XXXX and I had executed all savings to provide for my family. At that time Wells Fargo stated a home modification was the best way to get caught up for the couple months I was behind. I completed the trial period as they asked even though my income was less than half of what I needed to qualify for the original loan in the first place. I then waited for new paperwork for over 45 days. The first set came. HUD partial claim included arrears as if I never made any payments on the trial or after while I was waiting for paperwork. I called and Wells Fargo agreed there was an error and said they would investigate. Two weeks later I received a call from the executive office stating the problem had been corrected and new loan docs were being drawn up. Second set of paperwork received the next day and the error was NOT corrected but also increased by {$6400.00}. I called and have been asking for a financial printout and asking where all the payments are that I have made since XX/XX/XXXX of {$1500.00}. The rep argued and stated it was credited to the principal. I stated it wasnt and even if it was Wells Fargo cant recharge me for arrears on months I paid and was not in arrears. They still have not corrected and now keep stating I must not want the modification since I wont sign for the extra charges. Then I received a notice in the mail about a forbearance plan option, this was NEVER EVER offered to me. I have had no income since XX/XX/XXXX effective date and Wells Fargo is trying to strong arm me into signing for double arrears charges and hiding them in my HUD partial claim. I am entitled to this forbearance program and also if they are going to charge me for arrears as if I have not made a payment in a year then I want my {$8500.00} back!!

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 10/16/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Citibank is reporting a credit card delinquent XXXX that is not mine nor can I find out whose it is. My credit report shows me is an " authorized card holder '' but I have no information on the account and I have not had any credit with XXXX. I had a XXXX several years ago and any credit card debt I may have had is either included or not mine. 

I called XXXX and they would n't give me any information. I called several different divisions of XXXX and nobody would attempt to help me. 

I finally got hold of the corporate office and they told me most likely it was sent to a collection agency. Again no other assistance other than call someone else.

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 10-01-2015 about Debt collection (Medical) with Universal Credit Services, Inc (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I tried to send a notice to agency via certified mail and they refused delivery.. sent to address given on collection letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX, XXXX XXXX I was looking to purchase a new vehicle ( XXXX XXXX Coupe XXXX ) from XXXX  XXXX Auto and I decided to finance the vehicle. It was n't even XXXX hours and I noticed the navigation of the vehicle was n't working and the right front bumper of the vehicle was already falling apart. So, I decided to return the vehicle the very next day because of this Issue And as of today XXXX/XXXX/XXXX I 'm still seeing XXXX XXXX XXXX on my Credit Report from Both XXXX and XXXX. I 'm seeing XXXX XXXX XXXX on my Credit Report and the Finance Companies that XXXX XXXX XXXX  applied for me. Exeter Financial and XXXX XXXX which are both Hard inquiries on my Credit Report. I did n't have the vehicle for more then XXXX hours and It 's still on my credit report today XXXX/XXXX/XXXX. I hope this issue gets fixed. 


If you have any questions please do not hestiate to call me ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Public Records - Bankruptcy XX/XX/XXXXsent letter to LexisNexis XX/XX/XXXX requesting the Bankruptcy listed on my credit report be deleted as the item was dismissed filed in error. LexisNexis refused stating it was n't their policy to delete accurate information. 

I contacted XXXX with the same letter and the also stated it was not reported by them but sent to them by third party LexisNexis and they could not delete the item.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Student loan (Private student loan) with WELLS FARGO & COMPANY (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have filed for Chapter XXXX bankruptcy and I need to pay on my student loans during the course of my bankruptcy outside of the trustee payments. I do not have access to my account to make the payments. The financial institutions have removed my access and ability to pay on my loans without having to call and wait on hold while my phone call is escalated to another person to schedule a loan payment. 
This practice does not allow me to make payments available to other borrowers and adds unnecessary obstacles for me to make my payments. I need to take time off of work to call during business hours. High interest is building on my loans as I am under bankruptcy protection, so these barriers are very detrimental to 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 explanation
Consumer complaint received 08/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Transworld Systems Inc sent me a letter attempting to collect a debt and additional collection fees. I attached the paperwork showing the additional fee. Furthermore the debt has been paid off. 

Also they have the info under my maiden name XXXX XXXX and the account number they had on file was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Money transfers (International money transfer) with WELLS FARGO & COMPANY (NM).
Issue: Other transaction issues

Complaint: On XXXX XXXX 2016 I went to the bank and requested a wire transfer to a company in XXXX ( ( {$5900.00} ). I filled out the wire transfer services instructions. See wells fargo reference number XXXX. I was asked to put the XXXX number and XXXX number of the recipient bank, XXXX in XXXX. I wrote the correct XXXX number, but got confused and did not put the payee 's correct IBAN number. The Wells Fargo staff also did not realize the incorrectness of the XXXX number ( the number I put has too few digits to be a valid IBAN number ). I left the bank but twenty minutes later I realized that I has put the wrong number in the XXXX field. I called the bank -- both the branch and the Wells Fargo wire department. Both told me that it was too late " the wire had gone ''. I asked if I could follow with a correction. They said that Wells Fargo had to wait for the money to be returned by XXXX which should, according to WF, take 3-5 business days. I asked if I could do a recall. WF said that would take 30 days. So I waited a week and no money was returned. I asked WF to run a trace and a correction. A week later now still no word at all and no money. This is unjust. Surely Wells Fargo can contact XXXX and figure out where the money is. I am clearly getting the run-around where nobody wants to take the time or responsibility. I recognize the error that I made in initially giving the wrong XXXX number, but I feel that WF can rectify the situation after two weeks if it wants to expend a little effort. Or did I just lose {$6000.00} because I inserted the wrong number? 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Credit Network Inc (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Seven months after moving out of my previous home, XXXX XXXX XXXX XXXX XXXX sent a bill for {$370.00} to a collections agency. No attempt had been made to inform me of the debt in the intervening 7 months. XXXX XXXX XXXX had my home phone number, work number, bank account information ( with permission to withdraw ), new address, and e-mail address. Yet they sent the account to collections without ever informing me that there was a balance due. 
The collections agency threatened to take further legal action, including negative credit scores and lawsuits, if I did not pay immediately. The collections agency had no information about the debt. XXXX & XXXX had no information or explanation of the debt, other than " you owe this. '' No one could explain why no previous effort had been made to collect the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Mortgage (Conventional fixed mortgage) with LENDER LIVE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX, I received a letter from LenderLive Network informing me " that the servicing of [ my ] mortgage loan has been transferred to a processing center at LenderLive Network '' and that " the right to collect payment [ by LenderLive ] is effective XX/XX/XXXX ''. I did nothing at the time, thinking it was fraudulent, since I had received another similar letter back on XX/XX/XXXX stating that my loan " was sold to XXXX XXXX or to XXXX XXXX as trustee for a trust holding your mortgage loan on XX/XX/XXXX '' but that " the sale of your mortgage loan does not affect any term or condition of the mortgage, deed, or note '' and " requires no action on your part ''. Then on XX/XX/XXXX, I got a notice of " payment past due and credit score warning '' from a debt collector, stating that " LenderLive Network was now servicing my account on behalf of XXXX XXXX - XXXX XXXX XXXX ''. There was also an itemized bill accompanying the notice dated XX/XX/XXXX that had an extra amount of {$68.00}, supposedly due to the absence of PMI. The original lender, XXXX, never made contact with me regarding the transfer of the loan, which is why I did nothing with the XXXX XXXX letter from LenderLive. I contacted LenderLive, and they explained the difference in cost by saying that they were billing us for an extra {$68.00} due to the absence of PMI when XXXX was in charge of the loan. I then paid the increased Escrow amount for XXXX, bringing my total to {$1200.00}. I created an online account with LenderLive, and when I logged in to pay XXXX 's bill, the amount due was back to the original {$1100.00}. My complaint is due to the following : ( 1 ) not being given notice from XXXX that my loan was sold and thus charged late fees by LenderLive during the transfer process when my account was in auto-pay and ( 2 ) that the value of the mortgage went up -- I am being charged more for PMI after LenderLive took over the loan because they said I had n't been paying PMI at all when the loan was being serviced through XXXX.

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 09-06-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Alliance Data Card Services (PA).
Issue: Other transaction problem

Complaint: Paypal is a horrible website to use, and a horrid service to use!! It has so many issues with their website which include practically everything that they offer!! They shoud be fined and investigated to the fullest extent of the law!! 
Their horrible website will not even let me change the linked credit cards I have, which include my checking accouont debit card. I do not want that linked to paypal ever again!! 
And their website wont let me take out my debit card number!! 
And when I called, they cant even find my account??????????????????????????? 
They are FRAUDULENT, and better be investigated, I have been using paypal forever. 
And when I ordered 3 items from XXXX they all went to some fraudulent address in XXXX, NY!!!! I live in PA!!!! 
They refuse to help with this, they wont give me a credit, and they advertiste a buyer protection!! Yeah, right!! I want a full credit, plus they have to pay for overnight charges so I receive these items now!! 
There are seveal issues with them, they are horrible, and you better intestigate their horrid website, they even told me several times that it doesnt work, and their having issues.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (I do not know) with ERC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: received letter dated XX/XX/XXXX from ERC stating that I owed a debt to XXXX, acct # XXXX in the amount of {$430.00}, reference # XXXX. I have never held an account with XXXX and do not owe them any money. This is a fraudulent attempt to collect money from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: XXXX appeared on my credit report. It shows a medical bill from XXXXXXXXXXXX XXXX. I am not responsible for that medical bill. I had NYS XXXX as well as an HMO NYS XXXX. XXXX XXXX is a participant of NYS medicaiad and their hmo. I gave the information to the hospital at the time of service ( i 'm presuming because I 've had it straight the last decade ). It is not my fault they failed to file their claim in a timely manner. I have repeatedly asked XXXX for an itemized statement showing what services were done - i 've sent letters over and over, with signature return, and they have failed to send me anything. Because they have failed to validate this debt, the law says they have to remove it. If this does n't happen I 'm getting a lawyer and notifing NYS medicaid of this injustice. XXXXXXXX XXXXXXXX  really needs to fix their billing department. I 've been denied credit because of this. THIS IS THE ONLY THING on my credit report at this time. And it is not my debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I 've been trying to work with Nationstar for months now. I submitted a claim abouta month and half ago due to after several calls and promises they could not orwould not sign a form needed to change my property from a titled property to a realdeeded property after I had the work done to do so. Since I could get the formsigned I went to bank and borrowed the money to pay the Mortgage off on XXXX/XXXX/15, then I would n't need the form signed a lien holder anymore. Well now it 's XX/XX/XXXX15and they have yet to send a release of lien to the county tax office in order for thelien to be removed so I could have my property changed from titled to real deededproperty. I 'm been advised that they only had 30 days to do this. Their customerservice told me that and the director of register of deeds told me that. I will bechecking with an attorney I guess, not sure what else I can do. This process allstarted back XXXX/XXXX/2015 and I ca n't seem to get any results out of Nationstar whom Ialways paid on time and would like to have better results from them. I have calledthem at least 15 times and spoke with a couple different supervisors and still can'tget what I need done, but yet they have been paid in full since XXXX/XXXX/2015. They havetold me two to three different dates as to when they processed and mailed therelease of lien, but yet Register of Deeds has not received it. I even gave them tocorrect address for the register of deeds. PLEASE help with this if you can. Wouldbe nice if they overnighted the release as they stated they would when I spoke tothem on XXXX/XXXX/2015 in order to have it done in the 30 days ... DID N'T HAPPEN. 
Thank you for any help, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: the date is wrong when the collection was put on my credit report 1.It was in 2009 when it was in collections2.the amount is different from when first put in collections

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I completed an application for a modification with Carrington Mortgage Services XXXX XXXX. I received a call last week stating that they could not assist me because they did not find a hardship. The total loan amount on my mortgage is {$100000.00}. The value according to the comps in my area are {$40000.00} and XXXX has the value as {$62.00}, XXXX. This is indeed a hardship to be paying more for a house than it is worth. I have a conventional loan therefore I am ineligible for the HARP and I originally purchased the home after XXXX XXXX, XXXX. I purchased the home XXXX XXXX, XXXX. I have not missed a payment because I do not want to hurt my credit. I get the feeling that they want me to miss a payment to qualify for their program but I do n't want to hurt my credit. I want them to see the situation that I am in for what it is and provide a solution. I suggested that they lower the principal or at least give me a lower interest rate. Right now I am paying 5.5 % when FHA is between 2.75 and 3.65 % today.

Company response to consumer: Closed with explanation