milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2017 about Consumer Loan (Installment loan) with POPULAR BANK (NY).
Issue: Shopping for a loan or lease

Complaint: I applied for a loan for emergency purpose and was never notified of the decision. The institution did not provide me with consumer credit review or an adverse action letter. I called the company several times only to be told that the application is still in review process.

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 08-05-2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (IN).
Issue: Managing the loan or lease

Complaint: I took out a loan with Big Picture Loans on XXXX/XXXX/16, and I did n't realize the full terms, conditions, and most importantly the interest rate! The interest rate on my loan is 830.8277 %! How is it legal to charge me, or anyone this much? There 's no possible way i can fulfill the terms of this loan! I 've made one payment of {$210.00} on the loan already! I filed a compliant with the XXXX, and it did no good! XXXX XXXX Loans is insisting the least they will take is {$810.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Student loan (Federal student loan servicing) with Utah System of Higher Education (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My student loans were transferred to XXXX from XXXX. I had a rate reduction to 4.3 % while at XXXX for setting up auto payment at graduation.. After the transfer, XXXX set my rate back up to 6.8 %, I have the letter showing the terms of my loan with the rate reduction. I have called several times, they say they ca n't change my rate back to 4.3 % because they did n't get my bank info from XXXX. I have been trying to set up auto pay since XX/XX/XXXX over the phone and by email, it is now XX/XX/XXXX, and my interest rate is still set at 6.8 %. Their customer service is among the worst I have ever dealt with, never rude, just incompetent.

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 09/26/2015 about Debt collection (Medical) with Patient Accounting Service Center (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX did not bill my insurance. I continue to give them the information and they have it on file but never bill them. I have been sent to XXXX collection agents, XXXX and XXXX XXXX XXXX XXXX, There are XXXX medical bills for my family and they will not bill insurance. 
XXXX XXXX XXXX XXXX XXXX California

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Stolen identity fraud accounts open in my name Open accounts XXXX XXXX XXXX/ XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account number XXXX Amount XXXX Closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX Amount unknown

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Debt collection (I do not know) with Darnel Quick Recovery, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Darnel Quick Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important 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 09/19/2016 about Student loan (Non-federal student loan) with Campus Student Funding, LLC (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX University, XXXX FL, is owned by XXXX Colleges. I took out a private loan through XXXX University called a XXXX Loan for approximately {$4600.00} on or about XX/XX/XXXX to cover the part of tuition not covered through the Federal Student Loan program. XXXX switched the loan servicer from XXXX to Campus Student Funding and XXXX, XXXX ( XXXX XXXX XXXX ), PH # XXXX XXXX on or about XX/XX/XXXX. 
The following is an excerpt of what has happened to XXXX Colleges : " XXXX and XXXX borrowers : On XX/XX/XXXX, the Department announced new information about this relief. The Department has found that between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX University ( " XXXX '' ), as well as XXXX misrepresented job placement rates for many of their programs of study. The Department stated that these findings qualify students enrolled in the covered programs and time periods to apply for a discharge of their federal Direct Loans through an expedited process using a simple attestation form. This includes parents of XXXX and XXXX students with parent PLUS loans. '' The Federal Court ruled that ALL student debt for students attending XXXX Colleges/ XXXX University is to be fully discharged for those attending between XX/XX/XXXX - XX/XX/XXXX.

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 09/30/2016 about Money transfers (Domestic (US) money transfer) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Other transaction issues

Complaint: i am closing on a house in 2 days and capital one 360 has {$100000.00} of my money and refuses to wire transfer the money to the title company or the account where funds originated. i have been trying to get this money wired out of this account for 2 day. i have spent over 10 hours on the phone, mostly on hold, with the only result being " we can not guarantee that the funds will be transferred because your account has not been open for 60 days. '' they will not even wire the money back to my personal checking account because it has not been open for 60 days. this is not in their disclosures available online. in my calculation it has been 59 days that the account has been open and they still refuse to make a work around. the only answer that i get is " those are our rules '' when pressed as to the severity of the situation and asked for a supervisor the response was send XXXX. they are the only way to escalate the problem. well i sent that address an email and it was refused. 
basically i may have lost not only {$25000.00} in earnest money but the hose that has been being built since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Payday loan () with ACE CASH EXPRESS, INC. (ME).
Issue: Can't contact lender

Complaint: I filed a complaint against Ace Cash Express a week or XXXX ago for not letting me make payment arrangements on my loan and not notifying me that they no longer do business in the State of Maine for pay day loans. I started receiving collection calls from them. They will call on several different lines so you can not block them. While I appreciate someone trying to collect a bill this was just plain harassment as they do n't say anything. The last straw was a call after XXXX pm last evening XXXX/XXXX/2015 from XXXX, NH. I received an accesive amount of calls XXXX to be exact yesterday XXXX/XXXX/2015 with no message or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Using a debit or ATM card

Complaint: There were fraudulent transactions on my debit card. The new perpetrator also had my PIN ; my card was used at an ATM and to purchase airline tickets. I reported the fraud to Wells. They deactivated my card. They conducted an investigation but denied my claim. I now have a negative balance. The fraudulent transactions total over {$1000.00}. I will have to call Wells Fargo loss prevention denied my claim, presumably because I refused to answer the same questions again and again to WF employees in different departments. I will deplete my account to near XXXX but, of course, the account will remain open until this has been resolved to my satisfaction. Banks and credit unions in this country are corrupt and will play a major part in our eventual economic collapse. I will provide further information and documentation, should you require it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened a student loan in XXXX 2010 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$4100.00}?

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 10/30/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX I used a XXXX account in XXXX to buy books for college classes I was taking off of XXXX. After using the account to make the stated purchases, I discontinued using XXXX for any future purchases. The Credit Card linked to the account expired and was not renewed. XXXX XXXX, I was contacted by XXXX to discuss possible fraudulent activity on my account. XXXX representative stated a Laptop was purchased XXXX XXXX XXXX XXXX using my XXXX account from XXXX and shipped to an address in California. I was asked if I made this purchase. I stated that I did not make this purchase. XXXX recognized that my account had been dormant with no use since XXXX. They stated that this would be investigated and stated they would contact me with any further information. I was contacted a second time by XXXX stating they confirmed this was possible fraudulent activity and would cancel this attempted charge and apologized to me. I stated in both phone conversations to please ensure my XXXX account was closed so that no charges could be placed on that account. This was recognized and further communication was given to me stating that all charges would be removed and the account closed. I completed all phone conversations with them to process the charge for investigation of fraudulent activity. XXXX XXXX, XXXX I was contacted by XXXX stating that I owed charges for a purchase in XXXX of the stated laptop above. XXXX stated they attempted to contact me for dispute of the purchase, but was unable to reach me. I stated the charge and activities were inaccurate. XXXX stated they understood this, but I was still responsible for the charges. Please help

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 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: have sent in certified letters stating and showing that several fraudulent accounts/police report and inquiries we 're open without my consent and permission on dates beginning XX/XX/XXXX and currently now. It 's been less than a year 11 months to be exact and counting coming into XX/XX/XXXX that no verifiable documents baring my signature was sent out in the mail to me by Dept of Ed/Nelnet, XXXX XXXX XXXX, several Inquiries and accounts we 're made without my consent and approval. I have been suffering a great deal of time since last year and all I get is a bogus Veirfied letter by credit bureaus and creditors. I am truly frustrated at this point and my next step is to file a civil lawsuit against XXXX & the creditors for breaking several FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Debt collection (I do not know) with United Revenue Corporation (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I wrote a letter to this company dated XXXX XXXX, XXXX. I have requested validation of account numbers XXXX and XXXX. The fact that this a collection account impacts my credit file. This is included in bankruptcy. This company removed account number XXXX and did not remove account XXXX. This violates FCRA and the bankruptcy law. They also violated FCRA and FDCPA by not sending me validation documents I requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2018 about Debt collection (I do not know) with Navient Solutions, LLC. (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a notice actually 3 in one day to collect some kind of court debt. I have no knowledge of any such debt. 
I had a debt with the courts 1 1/2 years ago and have been in constant contact with the court and the judge and we pulled up all cases and resolved them and are on a payment plan until this XX/XX/XXXX at which time the judge ordered it will be paid in full. 
This collection agency is not one that this court even uses and I dont recognize any of the docket numbers from what we had discussed and copy of from the same court. 
So I believe this to be fraudulent. 
I have not called the company because it may be a scam but I have called the courts and left a msg and waiting for a return msg but am confident with all of our records and contact with the judge these do not apply to me at all. It is also not showing on my credit report, nor have I ever received any notice of collections previous to the threatening letters of garnishment I have here.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Money transfers (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (FL).
Issue: Other transaction issues

Complaint: On XXXX XXXX, my office ( Home Loan Alliance Title ) initiated an outgoing wire from our escrow account held with Chase Bank. The wire we requested was for {$100000.00}, sent to XXXX XXXX XXXX. This wire was to pay off a current mortgage lien. 14 days ago, when we initiated this wire, the funds were deducted from our Chase account by Chase and showed completed. Yesterday I was notified by Chase the wire was not sent to the recipient, XXXX XXXX XXXX. It was instead held for review and Chase now needed further verification in order to release the wire. It 's been held for14 days without notification and as of today Chase still has not released the funds. When Chase contacted my office yesterday I was transferred to a couple different agents within their company for assistance but none who could resolve the issue. XXXX XXXX was one of the agents I spoke to and she verified there were no errors in the account information enter on the wire. She also provided a reference number ( XXXX ) regarding the wire issue and stated I would receive a call back. The next call I received was from XXXX XXXX with Chase. He stated the Chase compliance department needed information regarding a third party ( XXXX XXXX ). Not understanding why and XXXX inability to explain, I requested to speak to someone in the Chase compliance department and was told XXXX XXXX would contact me. I am still waiting on that call. Meanwhile, trying to get this urgent issue resolved, I 've since emailed several others people within Chase and spoke to XXXX who is at our local branch and XXXX XXXX from another department. Both calls ended with no resolution and that someone will contact me. 
As of right now, Chase is still in possession of the {$100000.00} and the loan the wire was intended to payoff is accruing additional interest and fees. 
The way our account and this issue is being handled by Chase is not only extremely unprofessional but also negligent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/13/2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (DC).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: I closed on my mortgage XX/XX/XXXX. The original mortgage amount was {$360000.00} at 4.25 percent payments @ {$2400.00}. 

I purchased the property at $ XXXX and I used a XXXX loan for rehabbing. I owner occupy one of the four units and rent the remaining three units in Washington, DC. 

At closing the building had three tenants, my renovation budget was to rehab the one vacant apartment ( unit # XXXX ) and other things around the building that needed addressing. About a month after closing, I presented the tenants with the option of staying with an increase in rent or moving out. One tenant ( Unit # XXXX ) chose to move out. The remaining two tenants signed new leases and ( Unit # XXXX ) XXXX XXXX is still here. Unit # XXXX paid rent at the lease signing in XX/XX/XXXX then never paid me again. 

DC Tenant Laws coupled with cold weather prevented me from getting an eviction until XX/XX/XXXX. In addition to the work I would have had planned, the former tenants left extensive unnecessary damage. By XX/XX/XXXX, I had paying XXXX XXXX paying {$800.00}, and Unit # XXXX had just gotten its first tenant in XX/XX/XXXX. I still had work in unit # XXXX and unit # XXXX. I missed my first payment in XX/XX/XXXX. 

I contacted Wells Fargo XX/XX/XXXX and they agreed to modify my mortgage. They were nice about and let me I did not have to pay until the modification agreement was complete. I signed a modification agreement out of duress on XX/XX/XXXX. The modification agreement offered to lower my payment to {$1900.00}. 

The process did not settle until XX/XX/XXXX causing me to have all those delinquent months negatively affect my credit. I do not dispute the original three months delinquent reporting but the actual number of delinquent months on my credit report feels like Wells Fargo intentionally delayed my paperwork to handicap me. Also my property has appreciated nicely, the most recent appraisal priced my place at {$450000.00}. Wells Fargo only uses the original purchase price of $ XXXX and with all the fees they added on the deferred amount I am around XXXX percent. This locks me in so I have no options. 

I have seen in the news how Wells Fargo has been called out for discriminating against minority communities with misinformation and predatory practices. Does this qualify for such an occurrence if its widespread?

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 04-07-2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Our Condominium Owner 's Association is a small association of XXXX condominium units. In XXXX XXXX, one of our owner 's, stopped paying her monthly dues. A Notice of Delinquency was mailed to her on XXXX XXXX, XXXX. Shortly after, she was admitted to a XXXX. The Association was informed that it was unlikely she would be able to return home. 
Monthly dues have not been paid for 18 months. We placed a lien on the property on XXXX XXXX, XXXX. 
As we are a small association of elderly residents, most on a fixed income, the remaining owners have had to make up the shortfall, which is a hardship for all. We have had to not only cut back on much needed maintenance projects, we are unable to adequately plan for future major expenses. Though various residents have undertaken to help maintain the property, it continues to decline in value as it has not been occupied for so long. 
We have contacted a real estate agent who has been working with the mortgage holder of the property. Our understanding is that Chase Bank has yet to foreclose on the property, even though the mortgage is in arrears. Other real estate agents in the area have had offers on the property, but, according to agents, Chase will not respond to any of these offers. 
We are desperate for relief in this situation. It is affecting not only our individual finances, but also our quality of life and the investments we have worked so hard to maintain. 
Please let us know what steps we need to take. We greatly appreciate your assistance. 

XXXX Condominium Owner 's Association

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Debt collection (I do not know) with STATE FARM BANK, FSB (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: State Farm Ban k has put a charged off credit card account on my  XXXX  credit bureau reports and I have written t o State Farm Ban k and demanded certain information to verify the account and the accuracy of the information they reported - They finally sent me a letter telling me that they will NOT provide me with the requested information - They will not allow me access to all account statements etc to be able to verify this disputed account - The  XXXX    CBR 'S will NOT remove the disputed account even though they have been provided the letter from State Farm Bank telling me that they will not provide any information that I have requested and legally should receive.
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State Farm bank has continually violated m  y FDCPA rights and my rights to fair billing and collections

Company response to consumer: Closed with explanation