milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was contacted on XXXX XXXX, XXXX at XXXX pm in the afternoon by IQ Data International and was told I owe money for a debt and that I should pay you or it will go on my credit report. I told your IQ Data International I was completely unaware of any debt owed and had not received a bill, notice, or information about supposed debt of any kind. IQ Data International representative XXXX told me they had sent a notice and he confirmed my mailing address which was accurate. I told him to resend it as I obviously did not receive it and I would get in touch with the alleged party who said I owed this debt and had passed supposed debt onto your collection agency. 
It is now XXXX XXXX, XXXX and I received an alert from my credit monitoring service that a derogatory collection account had been placed on my credit report from IQ Data International. I called back IQ Data International again and spoke to XXXX who said they had resent a bill. I told him I still have not received a bill of any kind from IQ Data International and asked him to send the bill certified mail so I can have proof it was sent, XXXX said your IQ Data International does not do that. I also asked to have it sent COD or any other means which I will pay for, once again XXXX said your IQ Data International does not do that. So I still have no idea what this supposed debt is for. IQ Data International fails to send any documentation and when requested to send it via provable means they refuse. Instead they put an unvalidated collection account on my credit report, damaging my families financial future, which will possibly cost me tens of thousands of dollars in extra interest over the years, declined mortgage/car loan applications, and even affect my employment and future employment opportunities. I owe. In my opinion this is the financial version of extortion and certainly is not FAIR debt collection practices by any means, on the contrary, it seems illegal. 
By law I was to receive a detailed validation notice of supposed debt within 5 days after initial contact. It is now over 35 days past the first contact and I have yet to receive anything. And full well knowing I have not received this, IQ Data International still went ahead and posted this 'supposed ' debt on my credit report. Worse yet, I have made good faith efforts and reasonable attempts to try to even find out what this debt is for, yet your IQ Data International has not sent me anything while continuing to harass me with phone calls causing me severe anxiety, stress, and a feeling of helplessness. Is it not fair to know what a debt is for before paying it? Why do I own the burden of proof here?

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 07/23/2015 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (NY).
Issue: Managing the loan or lease

Complaint: Nissan is reporting past due. The account is current, payment of {$2000.00} has been done to Nissan on XXXX XXXX 2015, Monthly payment of {$450.00} was done XXXX XXXX, 2015. payments are current. Past due note in my credit report is affecting my score. Next payment will be XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WEBSTER BANK, NATIONAL ASSOCIATION (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: IMPROPER USE OF PERSONAL INFORMATION UNDER THE FDCPA GUIDE LINES.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (IA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On X/XX/15 I deposited {$530.00} into a Wells Fargo ATM in XXXX XXXX XXXX, Iowa located at XXXX XXXX XXXX XXXX. When I deposited, it only counted {$70.00} of the amount. Knowing that was wrong, I immediately cancelled the transaction and went to retrieve my money. There was only the {$70.00} there. I called the toll free number located on the ATM. Assured that they would be able to retrieve my money, and would credit my account I left the location. On X/XX/15, my girlfriend proceeded to go into the branch to ask if a manager could pull video tapes of the transaction or if there was anything they could do at the location. She was told that only the claims department can handle this, not anyone in the branch. On X/XX/15 I was credited in the amount of {$460.00} and was told my claim was being investigated. I was also told that I would be updated on the status and contacted which did not occur. On X/XX/15 I received the attached letter in the mail stating they cancelled my claim, therefore taking back the {$460.00} credited to me. I immediately called the claims department and spoke with a worker there. They told me there was nothing I could do. I asked to be transferred to the fraud department to be able to check ATM footage when he told me that would not help because they do n't take cases like that. Out of options, I filed a police report but never received any contact from the police department. While on the web, I read about a similar situation and found this website through that. I 'm hoping a resolution can come out of this, even if it 's almost two years later.

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 08-08-2016 about Student loan (Non-federal student loan) with NELNET, INC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: For over 7 years I have attempted to get detailed information regarding my loan, including but not limited to ; original loan amount, payments made, fees assessed, etc. It sounds ridiculous, I know, but no one has been able to give me the information requested. I 've spoken to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, I have been given the run-around every time I call. 

I 've been making regular payments of the minimum amount or more for years and my principal balance is not decreasing, so I am questioning this. The more I 'm ignored, the more I believe something illegal may be happening. 

Also, I 've still not received a statement showing the interest paid in 2015 for tax purposes. Each year I have to specifically request this, some years it arrives, some years it does not.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Credit card () with WELLS FARGO & COMPANY (MN).
Issue: Rewards

Complaint: I noticed a while a go on my wellsfargo.com account that my XXXX Rewards are " unavailable ''. I finally decided to give them a call to figure out why that is. 
When I called I was told that my XXXX Rewards were connected to a wrong account ( not my credit card ) and that they 'll look over my history and give me all of the points that I should 've have acquired over the years but did n't because of their mistake. I was told that a manager will look at my case and give me a call. Sure enough I received a generic phone call from the XXXX Rewards people on XX/XX/XXXX the message left told me it was in regards to my claim and that I should call back. When I called back the phone operator told me that my claim is resolved and that I should see my statement reflect that when my billing cycle restarts. When it restarted I only had about XXXX XXXX Rewards. The amount of rewards that I acquired in the month of XX/XX/XXXX. I called Wells Fargo Rewards again to see what is going on. I was told that I opened my XXXX Rewards on XX/XX/XXXX, the date I initially called to figure out why my points have been " unavailable '' for as long as I have had the card which I got in XX/XX/2006 ( says it right on the card ). I tried to explain to the person on the phone what is going on that they made a mistake ... after some back and forth and sitting on hold for 15 min I asked them to make sure they did n't open another credit card in my name without my approval ( WF has a history of doing that ). I was told that there is only that XXXX credit card in my name and that there is too much history to look through for the person that was on the phone with me after which she gave me a fax number ( XXXX ) and a XXXX NC that I should contact. When I asked for a phone number I was hung up on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Cash advance

Complaint: Hi, I have received a cash advance offer from Bank of America for 18 months with 0 % interest with 4 % advance fee. So I took advantage of this offer and call the bank, I asked them how much I can borrow without affecting my credit score? Their answer was I can borrow up to the full amount without mentioning the effect on my credit score. So I borrowed 90 % or {$40000.00}. and I paid {$1600.00}. fee. I noticed my credit score was dropping since then. Although it was my decision to borrow based on their offer but I believe the banks should inform their clients that borrowing money may affect their credit, or to get advice from credit bureaus before borrowing. 
Now to regain my credit score I have to pay back the bank which it cost me {$1600.00} for 4 months instead of 18 months. I requested to pay back their money and they reduce their fee but they have rejected that. ( B of A case # XXXX ) I consider this offers as a public fraud since this sales only based on their sales without considering if that has a negative effect to their client 's financial. This is the same thing they have done on refinance houses prior to 2008.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit card () with WELLS FARGO & COMPANY (SC).
Issue: Closing/Cancelling account

Complaint: I applied online at wellsfargo.com for a secured credit card with Wells Fargo on XX/XX/XXXX2016. After the application was complete, I received a screen that said my application was pending because Wells Fargo needed more time to gather more information. I did not receive any further correspondence from Wells Fargo about the application nor did I receive a phone call or any message from my Wells Fargo account about the application. On XXXX XXXX, 2016 I checked my account in the morning and found that {$300.00} was taken out of my bank account for the secured credit card that was approved with Wells Fargo. At this time I still had not received any information that I was approved for the application or that money would be taken from my bank account to start the secured credit card. As soon as I saw the money had been removed I called Wells Fargo to find out why. I spoke with a representative in the credit card department who advised me that I was approved for the application and that I would receive a card in the mail within 7-10 business days. I advised that I was upset about the steps that had been taken with no communication on Wells Fargo 's part to advise of the approval and that I wanted to know if I could decline to receive that account. The rep advised me that I had 10 days to call back to get my money back immediately but if I did not then it would take 45-60 days to have funds put back into my bank account. I waited 2 days to see if I would receive anything from Wells Fargo stating the account was approved and I did not. I proceeded to call Wells Fargo and close the account. I was advised that it would take 45-60 days to have the funds refunded to my account. I proceeded to advised the representative the issue and what had happened and she advised me that it may be sooner since the account was not fully funded and still in processing. As of XXXX XXXX, 2016 my funds have still not been refunded to my bank account and I still have not received any communication that I was approved for a secure credit card and what the terms and conditions of the card/application are. I called again on XX/XX/XXXX2016 and spoke with XXXX representatives and nothing was attempted to get my funds refunded sooner than XXXX business and I was advised that Wells Fargo 's policy was that they only refund the collateral hold within 45-60 days. Because I did not receive a email/letter/call about the approval for the application I was not made, aware before the funds were taken out of my account, that this was a policy of Wells Fargo and that it would apply to me once the funds were removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ability Recovery Services, LLC (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was alerted by my bank last year that this company put a collection on my credit report. I contcted the business they were collecting for, XXXX XXXX, and I was told that XX/XX/XXXX could not do anything to erase this report even though they had the wrong person ( me! ) I finally received a notice about 4 months ago and got a phone number. I called and talked to a " supervisor ''. I explained that they have me confused with my son. After checking social security numbers on the account, they confirmed it was not me. This liar of a lady assured me she was going to contact the credit bureaus and send me a confirmation letter stating that this was not me and it should be erased from my reports. 

I never received a letter, nor was it removed from my credit reports. 

I contacted them this past Monday, XXXX XXXX, 2016. I talked to this oh so pleasant lady. Once we confirmed that my Social Security number was no where in the system and I had nothing to do with the account of my sons, she told me it was not their problem to call the credit bureaus and have it removed. It was my problem. She proceeded to tell me I was a no good parent for not teaching my son to put XXXX at the end of his name and then she hung up on me when I got loud with her. 

This piece of horse dung company thinks they can bully people. 

Not me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have done disputes and written letters to ask for VALIDATION original paperwork/contract. This company has refused to send this. I am asking that this account be REMOVED from my credit report file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have had several unsuccessful attempts with TransUnion to have accurate reporting reflect on TransUnion file. As well as, I have not received any information after the initation of an investigation. Issue : Third Party, XXXX, on the behalf of XXXX XXXX XXXX has reported rent payments submitted online to TransUnion. After contacting TransUnion and being advised to have XXXX resubmit reporting to TransUnion. TransUnion has still failed to update my TransUnion Credit Report to reflect the positive reporting. Please assist in having TransUnion to update my credit report reflecting the positive online rent payment reporting for the following Months : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. Attached are supporting documents to reflect the information from XXXX showing the months that were reported. Also, attached is the online and cashier check rent payments made to XXXX XXXX XXXX of XXXX starting from XXXX XXXX, XXXX to XXXX XXXX, XXXX. Please assist in resolving this matter quickly and having TransUnion reflect the positive reporting onto my credit report.

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 11/27/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Trouble during payment process

Complaint: When I made additional principal payments, XXXX XXXX applied a XXXX Fee and prepaid additional payments taking 3 interest payments in one month. 

I have an impound account set up and they did not pay my homeowners insurance. The day before the homeowners insurance was due they sent me a letter telling me I am required to maintain insurance on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (SC).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: My XXXX Store Card Issued By XXXX XXXX Was Covered With Card Security Debt Cancellation. I suffered first from the loss of my own business in XX/XX/XXXX I  then returned to another job part time. Making much less money than before. I struggled to keep up with my payments but continued making them on time. My job eventually led to unemployment through no fault of my own on XX/XX/XXXX. When these events started my account was covered in full by Card Security Debt Cancellation. The written Contract shows that In the event of SELF EMPLOYMENT LOSS. MINIMUM PAYMENT DUE WILL BE MADE WHILE REDUCTION IN HOUR OR LOSS OF SELF EMPLOYMENT CONTINUES UP TO A MAXIMUM OF SIX MONTHS. NEXT EVENT JOB LOSS : After your job loss minimum payment on the first statement after the first day of job loss will be cancelled After 90 days in a row of job loss, you BALANCE IS CANCELLED ( PAID ) will not exceed the amount you owed on the first day of your job loss, up to {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The credit report is showing last payment date incorrectly. The last date paid SHOULD read XXXX 2008 I was hospitalized due to a XXXX in the date that they are showing on my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (SC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Collection Account remain on credit bureau report after 50 day processing dispute reviewed by FDCPA along with Collection XXXX submitted in violation FDCPA violations Remove from all XXXX credit reporting agency debt collection inaccurate disclosure and verification delete all collection from all XXXX credit bureau agency

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have made  XXXX  payments on my student loans throughout the course of the loan. Sometime arou nd  XX/XX/XXXX - XX/XX/XXXX , my  student loan payment went up substantially  ( fr om about  XXXX  to  XXXX   ),  although my salary had not. I called Navient and was informed that my loan terms had changed and the option other than monthly payment decided by them was to do a forbearance. I took this option unaware of the PSLF that had gone into affect. I have worked for a   XXXX   XXXX  l for the last 9 years (   XX/XX/XXXX - XX/XX/XXXX  ). I j ust found out through the course of the last year of the PSLF and now understand why I was essentially forced into forbearance because had I made the payments I was making previous to the abrupt change, I would well have been with in the 120 p ayments necessary for forgiveness under the PSLF. I recently call ed (    XX/XX/XXXX  ) N  a  vient  as my last forbearance is about to expire. They now say my only options for repayment are to pay out the loan ( which is now more than the original loan because of continued interest accruement ) in full, in a 2 year or 3 year repayment plan because I got married and they are now considering my husbands income as mine. I have my own  XXXX  and have always used that for documentation and offered to send it but they said A ) it was too early to set up and resolve a new plan, as my forbearance is up in   XX/XX/XXXX , B  ) my new repayment plan would be made dependent on my filed tax return. They have mislead and withheld information that caused me to make decisions which have accrued more debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Payday loan, title loan, or personal loan (Installment loan) with LENDMARK FINANCIAL SERVICES (NC).
Issue: Struggling to pay your loan

Complaint: Lendmark Financial in XXXX XXXX, North Carolina. I currently have a loan out with them. I started getting phone calls on the first due date of the loan. I am only 30 days late and i get daily calls from them. They have also called my 3 references and left them daily voicemails. 
Harassing me about payments. Today they threatened to take action against me. Im going to pay them. Im just getting caught up after having to pay for daily summer care for my XXXX boys who have XXXX. I will never get a loan from this company ever again. And I recommend everyone to avoid this company for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (VA mortgage) with Home Point Financial Corporation (CA).
Issue: Application, originator, mortgage broker

Complaint: XXXX/XXXX/16, I started a refinance loan with, XXXX XXXX financial, XXXX XXXX XXXX CA. Within the first month of processing : the appraisal, credit qualification, application and pest inspection was completed. XXXX, I was asked for a military document that does n't exist, fortunately with the assistance of XXXX XXXX military personnel-I was able to prove my eligibility. 81 days later, I have not received any communication except " Required Disclosure Requirements '' must be met first before this loan can close. I believe that my file is being held until the rates change and then my loan will be charged an higher interest rate.

Company response to consumer: Closed with explanation