milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (RI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I owe kay jewlers XXXX $ on a XXXX $ card and am XXXX payments behind because my girl isnt working right now since she had a XXXX and kay jewlers calls me about 10 times a day even after XXXX and they also keep calling my boss and many of my family members telling everyone they speak to all of my personal information i have spoken to XXXX supervisors telling them that they cant do this and they still continue to do so soon i will be going to the store and flipping out if this continues my boss is very angry with me and my family is very nosey they should not be doing this its my card not everybody i know to be involved

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Settlement process and costs

Complaint: Wells Fargo Home Mortgage dba as America Servicing Company is put on notice to produce sufficient documentation proving they have the '' right to foreclose. Proof of documentation established through proper assignments of forms showing original wet ink contracts not copy of contracts forged by MERs. Again I am respectfully demanding that the Wells Fargo Home Mortgage dba America Servicing Company bank show Deed of trust Chain of title full legal servicing of loan full accounting of loan All equity in property Refund of all money submitted for payment by me on this account made Payable to I believe that Wells Fargo Home Mortgage dba : America Servicing Company are not the owners of the note and they have and can not produce the original note because they have securitized the mortgage which is illegal they are committing fraud and perjury. I want to see an official wet ink signature showing where I signed for the loan. This bank has commited fraud on several accounts.Again I am respectfully demanding that the bank show Tila agreement, show the sources used to assign this loan I was bamboozled and a victim of predatory lending. 

A complete statement proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan and or loans Deed of trust Chains of title full legal servicing of loan full accounting of loan money from day of origination to this present moment day and time. A valid proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan original statement form XXXX on this account I believe that Wells Fargo Home Mortgage dba : America Servicing Company are not the owners of the note and they do not and can not produce the original note they are committing fraud and perjury. Please arrest these people for fraud. 
Please arrest these people for fraud. A full copy of all United States Postal mailings dates through mail. All USPS checks/money orders returned to me. I am requesting these all my payments be returned to me. A payment was made to this account in the form and a USPS money order and it has not been applied. This is a felony. This bank has been fined for predatory lending and violation of federal law, false reporting by the FTC and I have not received my funds from the settlement.All money returned to me in the form of money order. All these documents must be produced and notarized and must state under the PENALTY OF PERJURY.

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 11/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: The account XXXX credit card ) from Wells Fargo closed on XX/XX/XXXX2012. Although I was aware of it and paid the debt, somehow it was still on the credit report. The amount was {$2200.00}. With some help from my parents, I was able to pay the 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 06/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My insurance company paid a bill to XXXX Hospital promptly and in full. I never had any further communication from XXXX Hospital or from the current company reporting me to collections, " Alliance One Receivables. '' I have provided them with copies of the paid bill from my insurance company but get no response and they are not removing this bill from collections. This is absurd - my credit should not be destroyed by a bill my insurance paid in full, promptly, quite some time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Other financial service (Credit repair) with John C. Heath, Attorney at Law, PLLC (MD).
Issue: Unexpected/Other fees

Complaint: I was trying to purchase a home, however my credit score was low and after receiving advertising from Lexington law firm about credit repair, I went ahead in the hopes that they can assist me in getting negative information off my credit report. After realizing that this company is not who they claimed to be, I requested that my account to be closed. I have made several requests stemming back from XXXX of XXXX until as recent as XXXX/XXXX/XXXX asking that this account be closed, however Lexington law firm continues to ignore my request and continue s to withdraw funds from my account with out my authorization. After realizing that Lexington law firm has not honored my wishes I am left with no other options but to seek assistance from your agency in obtaining a refund and getting these folks to close this account. I truly value your assistance in this matter. 

Cordially XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold by XXXX to PHH. XX/XX/XXXX was the first month with PHH. I paid my usual payment. ( XXXX ). I received a letter stating that I have a " suspense '' balance in the amount of XXXX but the total amount due is XXXX. 
The additional amount of XXXX must be received before the end of the month to avoid reporting to the credit bureau. I have never had the payment increased when the loan was sold to another company and no explanation was given. It 's impossible to call and get answers.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Late fee

Complaint: Citi bank charged me late fee and interest for the payment not paid on time due to technical issues at my bank. 

As soon as I learned the issue, I arranged payment from a different bank one day after the deadline and I alerted Citi bank right away. It charged me a fee anyway.

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 08-07-2017 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: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Closing/Cancelling account

Complaint: In XXXX XXXX I closed a America Express account managed by XXXX XXXX XXXX. The outstanding balance was XXXX. The last time that the account was available on line was in XXXX XXXX there was no balance outstanding. Several months later in XXXX XXXX accepted a charge to that account using the closed account number, an card expiration date 10 months in the past for approximately {$97.00}. XXXX XXXX XXXX accepted the charge to an account closed 7 months previously with an account number terminated 10 months prior with an expiration date 9 months in the past. From XXXX to XXXX XXXX they then charged interested and late charges without ever contacting me. In XXXX XXXX, 14 months after closing the account and 7 months after the charge I received in the mail the account was significantly in default with {$150.00} in late charges. I do not accept that the XXXX account should have accepted the charges. XXXX XXXX XXXX currently lists my FiCA score as XXXX perfect, and XXXX list the account as closed in with XXXX outstanding balance.

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 11/14/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/2016 my XXXX payment was deposited into my liquid account ( ending inXXXX ) in the amount of {$2000.00}, I was able to transfer the funds into my personal checking account that morning, that account was negative {$3.00} I believe ( I assumed the funds were already paid once I made the transfer. Now that Friday XXXX/XXXX/16 morning when I checked my account, there was an additional {$2000.00} ( acct ending in XXXX ). I thought another deposit was made, because I was able transfer those funds successfully. At the time all these transfers were going on from my mobile phone, I did n't notice I did n't have my debit card, now we are at {$4000.00} plus my paycheck from my job {$520.00} that was deposited that Friday XXXX/XXXX/16. Now me being a single mom of XXXX whom just moved away from a XXXX situation, was once at peace because I was going to be able to pay all my bills on time for once in my life. Then suddenly when I check my account on XXXX/XXXX/16 I 'm negative - {$320.00}, so I became furious because I just setup all me e-checks to come through that following week. I called the customer service, they said I would need to go into a branch, I went into the branch and they pretty much said they cant do anything at the store level unless I was making a deposit to cover the negative so It wo n't accrue a fee. I called back the customer service and at that time I was irate because I did n't have my card and no funds, they tell me it was a " GLITCH '' in there system, even started reading off charges I did n't even make, I filed a dispute which resulted in denial. Now my account is overdrawn {$860.00} and about XXXX of that is in bank fees from my bill e-checks. Since then I closed my liquid account and working on closing my business account, in fear of another GLITCH in their system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/13/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have defaulted on my private student loans. I owe XXXX dollars to navient. I have got into a program to pay on my loan. I have been in the program for over 6 months. I was looking at my credit report to determine if I can go about getting financial backing for a loan. All of my loans are charged off. I understand this happens in default but I believed if I made consistent agreed upon payments on my loan that it would reflect on my credit that I was trying to work with my creditors. I called navient today and tried to see what are my options. They informed me that the only way to change what is on my report is settling for XXXX or paying my loans off with them. I am currently trying to fix my credit and move into the next phase in my life. These student loans are a nightmare that never ends. I know it is my fault for letting them default in the first place but I could not afford them when I got out of school and when I finally got steady work and was able to get into a program that I could afford, the loans were already defaulted. And because of my private student loans I do not get the benefits of the federal student loans. I am at the mercy of my lender. I would not mind settling with navient however I would have to do it in payment arrangements over time. I really just want the debt of student loans to end as soon as possible. I want to be able to buy a house in the next five years.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: was opened on XXXX XXXX XXXX and closed in XXXX XXXX XXXX by XXXX credit card. This account was defaulted and was reported to IRS which i have paid off through my Tax filling. Now even though the account is closed and resolved. This account has continued to show on my record. This account should be removed from my record entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NCB MANAGEMENT SERVICES INC (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: on XXXX/XXXX/XXXX I filed a complaint on XXXX XXXX XXXX on NCB Management Services Inc in regards to them not being license in the state of florida to collect and they responded insisted that they are license in the state of florida, I rejected their respond and wrote back telling them that they are NOT license in the state of florida to collect and they responded back on XXXX/XXXX/XXXX insisting that they are license in the state Florida On Florida Ofiice of Financial Regulation website, XXXX XXXX is only license in the state of PA, License # XXXX. 

I have attached response that I receive from NCB Management from my complaint on BBB and I have also attached Proof showing that NCB is not license to collect in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Bank account or service (Checking account) with PNC Bank N.A. (GA).
Issue: Account opening, closing, or management

Complaint: XXXX accounts were opened under my name and social unknowingly. I found out this information on my credit report. Someone used my information in XXXX and XXXX. Using my information to have payday and XXXX transactions via the accounts under PNC and XXXX XXXX. Neither are me. Very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Other than having my loan forbearance, or deferment, it would pretty much impossible for me to pay them off. The payment amounts are very high for a household of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (GA).
Issue: Managing the loan or lease

Complaint: Me and my husband opened an auto loan with Regional Acceptance Corporation XX/XX/XXXX and purchased a XXXX Pontiac Solstice for {$12000.00} at XXXX a month. We have previously paid a few payments late but have been catching up everything here in the last few months. We noticed that our balance has changed but {$1000.00} dollars and our payoff is more than what we purchase the car for. I have asked someone from Regional to call me and give me a break down of our payments and how it affects the interest and principal but no one has contacted me yet. We have paid almost {$10000.00} towards this vehicle and it should be about paid off but instead our balance has n't moved yet. We desperately need some assistance on how to file a complaint because I believe we will never get this car paid off as long as we are will this auto company. Please help us!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Back in XX/XX/XXXX I consolidated my student loans ( Stafford ) with Nelnet so that I could begin payments towards the 10 year/120 payment loan forgiveness option that exists for public servants. When consolidating, I asked Nelnet if these loans were in the correct category for the 10 year loan forgiveness and was informed that they are/were. I have made regular payments since this time based on this. When I returned from service with the military in XX/XX/XXXX I contacted Nelnet to inquire into how many more payments would be needed. I was informed that around {$100000.00} were not in the correct type of repayment method. I would like for the CFPB to look into these practices to determine if either it was a mistake by Nelnet or if it is a fraudulent practice. If it is a mistake, I would like to get my loan payments back on track so that the loan forgiveness can take place in 2-3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Back in  XXXX   2017 , I contacted   XXXX   XXXX   and made a payment of about {$3500.00}, at that time I asked if I was up to date and was told by their employee that I was yet they continue to report me late to the credit bureaus.  XXXX   XXXX ,    2017  I made another payment of about {$3500.00} and according to their records I am up to date yet they continue to report me late for the month of  XXXX . I emailed them today. Also I called the investigation department to get a copy or make an appointment to go over the audio recording from  XXXX  about when their employee said I was up to date but no one responded. Not only that  XXXX   XXXX  continues to report me deceased to the credit bureaus. These errors have caused me thousands of dollars. I cant refinance because they report me late, I cant get a new car or refinance my current car because they report me late. I was denied services such as TV prior because they reported me late. I also filed a complaint a few months ago with the same complaint. What can I do? Who can I contact to file suit against them for the money I am out?

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Debt collection (Medical debt) with Medical Data Systems, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was called by collector in XX/XX/XXXX. I was told i owed a medical debt from XX/XX/XXXX. After i explained i did not owe a medical debt they continued to harass. I got account info from collector and called the hospital which had a record of the bill being paid in XX/XX/XXXX. I contacted collector told them it was paid in full in XX/XX/XXXX and they proceeded to write a public record on my credit report stated I owed money. XXXX weeks after they added it to my credit report they removed it from some services but not all. It still shows on my fico score as a derogatory account. I buy equipment and credit score cost me a lot of money depending on interest rates. I contacted collector they refused to talk.

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 03/29/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX has initiated mortgage assistance on the wrong loan. She constantly looses information and fails to get the right loan number and property address right. Initiating a request of this nature on the incorrect mortgage can lead to serious problem. This is another example that mortgage companies like Wells Fargo needs laws in place to make sure they are following proper procedures. This organization is totally incompetent and operates in a manner that 's dangerous to every consumer.

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 Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Using a debit or ATM card

Complaint: I am a   XXXX   XXXX    XXXX  that serves as an exexcutive for  XXXX   XXXX   XXXX . Since the turn of the century  XXXX  has been addressing the distracred driving " deadly epidemic. '' with intelligent  driving road conc entration training. For over  three yea rs  XXXX  conducted the " modernization of telephone banking '' and after opening and account a t Capital One 360,   XXXX   XXXX  , that has a safe system that rings right through the bank, but soon disco vered their partner  Captial One had outdated telecom with dangersou prompts, see :   XXXX   XXXX   XXXX   So being   involved in the   XXXX   XXXX   banking campaign spent  may ex tra hours, educatiing interested bank reps and managers about the   XXXX   XXXX   protocol, until approximately  nine month s later was congratulated by both reps and managers on the fact that Captial One was planning on using some of the  XXXX  recommendations. A short time later Ca pital One ch anged their  telecom to off er voice command then after  XXXX  realiazed that they we re sitll m aking the hazardous ATM record request, and we contacted them many times about this, and shortly there after they ceased to make this request, thusly addressing all the main   XXXX   XXXX   recomendations, except offering fair market research value compensation that is included with tnis imformation. We tried appealing to them to offer a donation for using this info or just for the good cause of auto safety so we could help protect their families, employees and everyone as a  million pe ople died in auto accidents last year!  Capital One refused  to pay for this info, and was reported to CFPB and has been lying to them and  XXXX  about this matter, as it can be proven by tapes they recorded of my many campaign conversation.   So we as k Captial One to be  honest about this, listen to the tapes, and study the time line on all this, and then it wil be obvious we were the major contributor to these changes, and if not why did their own employees tell me this? The tapes have the conclusive evidence, so we a sk Captial One to l isten to them, be honest and give credit and donation payment where it is due to help make the roads safer for all!

Company response to consumer: Closed with explanation