milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (PA).
Issue: Managing the loan or lease

Complaint: I had a car loan with Wells Fargo Dealer Services. The car was in acar accident and I was told by my insurance company the loanwould be paid off. I was also in the process of moving. I nevercontacted Wells Fargo to give them my new address becauseI was under the assumption that the loan was paid off. Wells FargoDealer Services sent me a XXXX letter dated XXXX 2012So I could purchase my current car. I disputed this with Wells Fargoas well as XXXX for reporting this inaccurate. XXXX changedthe dates several times. Please see attached. Wells Fargo is tryingto say they faxed a copy of the XXXX letter with the wrong datethis is not true. I found the letter they mailed me back then. I con-tacted Wells Fargo and spoke to XXXX XXXX who not only signedthe XXXX letter but said Wells Fargo sent out a letter via mail thatthe insurance did not payoff the loan in full and I was responsible for thedeductible. She verified that the mail came back undeliverable so thenthe began calling me. When they contact me I did make the paymentover the phone. My rights are being violated on a few levels. On XXXX level this has been repeatedly updated with the dates changing several times by the furnisher andthe credit reporting agency. Section XXXX states that the respons-ibilities of the furnishers of information to consumer reportingagencies. subtitle a reporting information with actual knowledgeof errors is against the law. Also after it is confirmed that this is anerror and still reporting it is illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Deposits and withdrawals

Complaint: I deposited a check for {$5000.00} on XX/XX/2017. It cleared my other bank on XX/XX/2017. Bank of America, however, sat on my funds for seven business days because they claimed that " check specific information '' indicated it was not collectible. This was a major inconvenience to me. I would like to know exactly what " check-specific information '' told them it was uncollectable under the Expedited Funds Availability Act. I await their response.

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 09-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (PR).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX IS BILLING ME WHEN I AM XXXX AND UNEMPLOYED. I HAD ASKED THEM TO FORGIVE THE DEBT AS THEY ARE ASKING MCM, INC. TO BILL ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Premier Portfolio Group (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Repeated phone calls leaving voice mails saying that they have a check with my name and social security number on it that is a bad check.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In XXXX XXXX I obtained a student loan of {$15000.00} for my child to attend college. 
Over the years I have fallen behind a few time because I have XXXX daughters to raise. I was repeatedly offered to put my past due balance to the rears of my loan to bring it current. Basically the collections department does not offer any help other than to increase the amount owed by refinancing every time you get past due. On XXXX XXXX, XXXX I will have been paying on this loan for 10 years and I still owe {$10000.00}. Navient debits my account each month. The collection department also has called my family members and let them know about my past due account. To date I have paid {$19000.00}. My child went XXXX XXXX XXXX XXXX, Tn.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 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 submitted a dispute with XXXX and TransUnion last year to remove a paid tax lien along with supporting documents, they did not remove the lien. On XX/XX/2017 I called XXXX and Transunion due to the new law in effect XX/XX/17 re : tax liens, i was advised by the reps at each CB that the tax lien would be deleted from the file by the end of XX/XX/XXXX because under the new law any public record data must include name, addr, dob, and ssn in order to be reported and mine is missing the ssn. The CB has not updated my file as of today XX/XX/2017.

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 01/27/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have advised on several attempts to all XXXX major credit reports the following files do not belong to me and should be removed off my credit file. XXXX XXXX balance XXXX shows charge off and XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and the XXXX {$230.00} was paid prior to collection activity, I have disputed this information for almost a year and they are not cooperating

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MOHELA (AR).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have disputed Mohela on my report several times. The account are old, closed, and have been transferred to another lender. They are reporting the old late payments on the account as well as reporting current and {$0.00} owed. I have requested and disputed the be removed as the new servicer shows the exact same information and the refuse to remove it. It is causing undue hardship as I am trying to build my credit and eventually purchase my first home. I feel it is unfair for XXXX companies to be reporting the same account XXXX as closed the other as an open account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Credit card () with SYNCHRONY FINANCIAL (NM).
Issue: Other fee

Complaint: Amazon offered a store card issued by Synchronycredit.com, which I signed up for. 
During an Amazon checkout, I was offered a " deffered interest '' promotion using the Synchronycredit.com card on an item that cost {$160.00}. The terms were that if you paid the balance by the end of the promotion you would be charged no interest. I called Synchronycredit to confirm that payments made in the meantime would go toward interest-bearing purchases first. They confirmed this. I then received a bill showing that I was charged interest, which was then rounded up to a " minimum interest fee. '' I called Synchrony and was told that my payment was " split '' between deferred and non-deferred balances, and that in the " first two months '' that would happen. I went to the website and found the card terms that explicitly state my payments should go toward the non-deferred items first, and that this would only change in the *last two* months of the deferred balance period. Synchrony agreed to reverse the interest charges, but they never fully explained why this happened. If they did this to me, they are probably doing it to other customers ; and if they did this to me once, I ca n't trust they wo n't do it again. If I cancel the card, it looks bad on my credit to have a briefly opened account. I feel stuck with a company that is behaving fraudulently right off the bat. They are scamming people out of " minimum interest '' fees when those fees should not be charged according to language in their own card terms. Here is their exact language regarding this ( my promotional balance expires in XXXX, so we 're nowhere near the last two months ) : Payment received in excess of minimum payment amount due will be applied to non-promotional balances before deferred interest promotional balances except in the last two months of a deferred interest promotion. In the last two months of a deferred interest promotion, the payment amount in excess of the minimum payment due will be applied to the deferred interest promotion ( s ) that are in the month of expiration and/or the month prior to expiration.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm a victim of identity theft some took my information and try opening up lots of accounts in my name and left lots of heard inquiry on my report. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX,XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX and XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (UT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: When requested, XXXX XXXX XXXX ( XXXX ) claimed they acted on behalf of XXXX XXXX. However, when asked to provide documentation supporting the debt, XXXX did not respond in a timely manner. Instead, the company would just send letters saying, " this letter verifies that you owe $ XXXX " but without any supporting documentation. 

It took more than a year to get documentation from XXXX XXXX. XXXX never forwarded or provided any proof, even after multiple requests. 

HSBC did not provide notice to me that the account had been transferred and XXXX XXXX refused to provide documentation for a full year. 

XXXX never provided any verification documents even though it was requested on multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have tried multiple times to get Equifax to remove/correct certain accounts that are reporting on my credit report and each time they have failed to follow the FCRA or the FCBA. They have for months now violated my consumer rights and have not provided me with a proper method of verification nor have they corrected the status of the accounts i disputed. Each time I asked equifax to either correct it or delete and all I get is an automated response back with no changes. below are the accounts that are not resolved. 

XXXX XXXX XXXX XXXX # XXXX - this account is paid and closed but is reporting incorrect payment history. 

XXXX # XXXX - this account is charged off yet is reporting a balance which is a violation of the FCRA and FCBA. This account needs to be removed. 

XXXX XXXX XXXX XXXX # XXXX - this account is charged off yet still reporting a blance. I have tried many times to have this corrected and Equifax does nothing. 

XXXX # XXXX - this is a charged off account yet again reporting a balance. Equifax did nothing again to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EMCC Holdings, LLC (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I requested validation and a copy of the signed contract for a debt listed on my credit file. The company responded with we are unable to grant your request and provided a payment history but not the initial signed contract and stated they are reporting the information accurately. This is not accurate and I think if a company is listing a debt against you they should be able to provide validation. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX Portfolio Recovery ... they call my work number almost every day ... this has to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2018 about Student loan (Private student loan) with Diversified Recovery Bureau LLC (CA).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: I have been trying to resolve this issue with Diversified recovery Bureau. They have been calling me, my family members, and friends informing them that I have an outstanding student loan balance for {$2500.00}. I have been speaking to them since XX/XX/XXXX trying to get information about such loan that they are speaking of. On XX/XX/XXXX I finally received an email a 1st notice which was just an attachment letter with the Diversified Recovery Bureau letter head, the amount due and some account numbers didnt specify how or when I received this loan. So I called them back and them that I needed them to send me the actual legal Loan agreement, they werent to happy about that and proceeded to yell and insist that it was going to be a 3 month wait for me to receive such papers that I am asking for. I informed them that I was not just going to pay something that I never received any kind of statement in the mail about or even heard about until now from a collection agency. With that said they kept insisting that my credit score will continue to get hurt by this until it was resolved so if I wanted to wait 3 months that was up to me I told them that was fine I needed the legal documentation before I can proceed with this. The very next day XX/XX/XXXX I received an email from XXXX XXXX from Diversified Recovery Bureau with my enrollment agreement to XXXX XXXX ( that closed down in XX/XX/XXXX ) and a Ledger Card Thats suppose to state such loan. Looking over the ledger card that states I have a {$0.00} balance so I was left confused. I proceeded to investigate and called the department of education, student loan support, and my loan servicer and was informed that no such loan is under my social security. So I spoke to XXXX XXXX XX/XX/XXXX and informed him that I spoke to these and department and they dont see such loan, he then proceeded to tell me that it is not a loan that they are trying to collect but a remaining balance from my tuition that my federal loans did not cover at that point I was convinced there was something wrong. So I called back the department of education and they informed me if it was a tuition fee they are trying to collect they would definitely be able to see it on there end because they have there own collection agencies that handle such manner. They advice me this may be scam and to ask them to stop calling because as far as they can see there is not outstanding balance on my name. They also find it strange that a school that closes down in XX/XX/XXXX is collecting tuition fees. I never opened any personal loans and all my federal loans are in good standing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Call to WELLS FARGO XXXX XXXX 2016 @ XXXX Just was in a phone call with Wells Fargo on my son 's student loan. First the help was not very helpful. I wanted to know if my son 's charge off was taken off my credit report. She said if I am the cosigner, then it will show. I said I got that, and his was cleared off. IF that is the case, then mine should be. She said there were many documents sent to my home, ( and I dispute that accuracy ) explaining the status. Under the contract, he was to be registered as a XXXX XXXX XXXX. He has proof that he was well with any grace period, specifically the dates of registration for his attendance at a XXXX XXXX and upon completion, he is now XXXX XXXX XXXX University. 
Just to make myself clear, I understand my legal obligation to the debt as a cosigner. I do not agree to the charge off status as he was fulfilling his obligations and can provide proof he was a XXXX XXXX XXXX. 
The most upsetting part of this phone call was the last part. I told her at this point this whole thing is becoming punitive in nature. She asked me, what would I like to have happen, put the charge off back on his credit? Said yes, do that, but as the cosigner, I do n't have that authority and you will have to deal with his lawyers. Then she said she could n't do that with so I said basically you lied to me and this was a threat to his credit report ( an empty one but proves the nature of the punitive accusation ). At this point, she officially ended the conversation.

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 03-02-2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Struggling to pay mortgage

Complaint: We have received notice from Nationstar Mortgage ( now Mr Cooper ) over the course of the past two years that my loan was In default Eligible for modification Approved for modification In foreclosure Despite several attempt to have them clarify in writing what the correct status was, we instead have received responses that do not specifically answer but only perpetuate the situation. 

As we actively tried to seek clarity, out loan was transferred to XXXX XXXX XXXX who we appealed to as well. They provided us a response that contained information ( that they received from Nationstar ) that contradicts our records. 

In our correspondence with XXXX they have not mentioned the foreclosure status, so we question if Nationstar had given them accurate information about the status of our account now and also at the time our loan was transferred. 

We have recently sent a notice of error resolution and information request which we sent copies of to Nationstar ( now Mr Cooper ) XXXX XXXX XXXX firm ( representing Nationstar ) Your agency. 

We DID NOT attach documents because they do contain personal information. We can send what ever you need to help review our complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Mortgage (Conventional fixed mortgage) with West Coast Servicing, Inc. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage was approved for 2MP program in conjunction with my current and in good standing HAMP modified primary mortgage. Instead, the bank sold loan without any notification to borrorlwer while the loan was supposed to be in the process of modification. As per HUD 2MP program. Loan was " lost '' for two years with no communication even attempted with the borrower during that time. Borrower did escrow modified payments on her own, believing that the loan was being modified as was promised by lender. Loan re-surfaced 36 months late with a new servicer who had made no communication attempts with the borrower, already in foreclosure with a sheriffs sale scheduled. Please help. This is our home and where we are raising our children. please help us get what HUD already assured us was in the process of being done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: ( Please note that I am the father of the complainant here and am submitting this complaint on her behalf. ) Letter from Midland Credit Management , Inc., dated XXXX XXXX, 2016, stating XXXX sold debt to Midland Funding , LLC. Would give a XXXX % discount on " owed amount '' if paid right away. Never used any such credit at XXXX nor purchased goods totalling the amount requested during the alleged time frame. ( Only use XXXX major credit card for any purchases. ) Have never heard of XXXX XXXX. Looking at consumer complaint information, Midland is an extremely bad company. In recent years, Midland has been sued by several Attorneys General and law firms for deceptive and fraudulent practices, including false debts and robo signatures on affidafits stating a debt existed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (Non-federal student loan) with TRANSWORLD SYSTEMS INC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Dear Office of Transworld Systems Inc., I am writing in response to your letters dated XXXX XXXX, 2015, ( copies enclosed ) as I disagree with the account balances that your office has purchased. 

This is the first I 've heard from you, therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the XXXX-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt ; * ( 2 ) the name of the creditor to whom the debt is owed ; * ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; * ( 4 ) Proof that you are licensed to collect debts in XXXX ( 5 ) Statute of limitations and how your office has determined if the amount are under or past the statute of limitations and for which state.

Company response to consumer: Closed with explanation