milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/29/2015 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (CO).
Issue: Taking out the loan or lease

Complaint: I applied at XXXX in XXXX ar i traded my already paid off jeep liberty they were suppose to give me {$7000.00} for it in trade the vehicle i traded for was only supposed to be {$2000.00} more from that by the time papers were signed i had XXXX kids there for XXXX than when i went to the restroom they allowed a boyfriend to sign on my car i had no idea about it when i realized what happened i called the car lot and asked to void it all cause the price was n't what had been agreed on and his signature on my papers they said they already sold my car i was basically well lack of better words screwed. So i begin the ppayments i could n't afford than they allowed this guy to take my car and now want me to pay cause he hasnt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Debt collection (I do not know) with Credit Protection Association, L.P. (WI).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: XXXX/XXXX/2015 -- I received XXXX inappropriate phone calls from the 'debt collectors ' Credit Protection Association XXXX just today! First call was at XXXX - which is outside of the allowed call hours. Then at XXXX - they called me XXXX times in a row. They did not leave a message, just called XXXX times in a row - using up my phone minutes and harassing me. I do NOT owe this company anything and I do NOT appreciate being harassed! I have not received any written communications from this company and I do not know what they is about. -- - Also, upon investigation into this phone number, you will find that they have hundreds of complaints for spamming, scamming, calling outside FDCPA parameter, etc .... they need be stopped.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I requested from Nationstar mortg a final accounting of my account after the loan was paid off in full through a third party title/escrow company after selling the home. I received a refund check labeled payoff overages, but they refuse to sent any breakdown of accounting of the final numbers and fees charged.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Auto debt) with TIDEWATER FINANCE COMPANY, INC. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls multiple times a day and will usually leave 1 voice mail message. On XXXX XXXX, XXXX at XXXX and XXXX, XXXX XXXX, XXXX at XXXX and XXXX and on XXXX XXXX, XXXX at XXXX and XXXX the company left voicemail messages at the same telephone number multiple times in 1 day. I have kept these voicemails as evidence of the violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Consumer Loan (Installment loan) with Prosperity Connection (MO).
Issue: Managing the loan or lease

Complaint: I purchased a loan from Reddough Money Center, originating on XXXX XXXX, 2016, with scheduled biweekly payments of {$42.00}. On XXXX XXXX, 2016, Reddough debited my account in the amount of {$210.00}, without notice. I contacted XXXX XXXX at Reddough about the situation, showed up in person, and after several exchanges about the situation, I was told my account would be credited {$170.00}. I asked for explanations for this gross error, and the answers were very vague. I stated I suspected possible embezzlement, which was dismissed as being ridiculous by XXXX . XXXX, which made me even more suspicious. I then noticed a " Maintenance Fee '' of {$23.00}, charged to my account on XXXX XXXX, 2016, which I had no way of knowing it was charged, if not from the printout for this situation. After providing my personal banking statements from XXXX and XXXX 2016, and providing a printout of my transaction history for XXXX, it was proven that all debits previous to XXXX XXXX had been debited, but XXXX 's records did not reflect the same. 

After reviewing MY personal records, XXXX XXXX verbally promised to reverse the ACH for {$170.00} AND vouched that funds would be available in my account on XXXX/XXXX/2016. That did not happen, of course.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/25/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Incorrect address on my Equifax credit report. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit card or prepaid card (Government benefit card) with WELLS FARGO & COMPANY (OH).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint: Wells Fargo discontinued the Nevada  Unemployment program and advised ( in a letter ) that all remaining balances would be send via check. Prior to the program ending I changed my address with Nevada  unemployment to my Ohio  address. After not receiving my check I walked into a Wells Fargo branch and they could not help me so I called on X/XX/17 and inquired, only to be told it was send to the old and inaccurate address. I was also told it would take 10 to 30 days to replace the check and it would be sent to my new address, XXXX XXXX XXXX XXXX, Ohio  XXXX. I called Wells Fargo today and immediately received a rep and they said I have to transfer you to a level 2 representative. I have been on hold over 45 minutes. Fortunately I am back to work and can wait on these funds but I ca n't get anyone to tell me what is going on. I would like my remain balance ( somewhere around {$1300.00} ) IMMEIDATLY and am requesting interest since you are holding my funds. In addition I would like a call so I can arrange to pay off my Wells Fargo credit card, close my checking account and I will arrange to move my mortgage. This was my first experience with Wells Fargo about a year ago and unfortunately it has been very poor. I am also filing a complaint with the CFPB. I finally talked with someone at the company and they said I would receive the funds but now there is no timeline. They cant hold money they owe me XXXX, if I owed them money and I was n't paying back, I would get calls everyday.

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 09-08-2015 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We have been receiving debt collection call from Bank of America Home Loans and related third party vendors for well over XXXX 7 XXXX months for a debt, which is not ours. We have called the BOA Home Retention Division, as instructed on the collection calls, at XXXX on XXXX ( XXXX ) separate occasions requesting that the calls be stopped including calls on XXXX XXXX, 2015, XXXX XXXX, 2015, and XXXX XXXX, 2015. On XXXX XXXX, 2015, we faxed and mailed a letter to BOA Home Retention Division as instructed XXXX BOA Home Retention Division supervisor, at facsimile XXXX and mailing address XXXX XXXX XXXX, XXXX, FL, XXXX. We continued to receive calls from a BOA third party vendor on XXXX XXXX, XXXX, & XXXX, 2015 and on XXXX XXXX & XXXX, 2015. We have detailed records of all calls and correspondence starting on XXXX XXXX, 2015 when we decided that we had to do something to make the calls stop. The calls are for the Estate XXXX. We do not know XXXX XXXX nor or we related to XXXX XXXX. The phone number, which BOA is calling, has been our home phone number for almost XXXX years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I was enrolled at XXXX from XXXX. During that time student loans were taken out based off of XXXX telling me that my tuition would never go up and I would be making XXXX a year right out of college. After doing some research I found out that XXXX had lied to me and due to the government pulling their funding based off of illegal activities I sought to have these student loans discharged along with my private ones. Per the form I sent to Navient there is a fine print item that says If you withdrew more than 120 days before the school closed, you may be eligible for this form of discharge if the Department determines that exceptional circumstances related to the school 's closing justify an extension of this 120 day period. Examples of exceptional circumstances include but are not limited to the closed schools loss of accredidation, the closed schools discontinuation of the majority of its academic programs, action by the state to revoke the closed schools license or a finding by a state or federal government agency that the closed school violated state or Federal Law. Per that disclaimer Navient must wipe out the lines and any interest that accrued during that time period. They must also reimburese me on any payments I made towards those lines at that time. Navient has denied my request twice stating that I was out of the school for longer than 120 days. When I brought up the terms and conditions with them they denied it again. If Navient does not discharge the loans taking out during that time period they will force me to seek legal counsel and sue them to have the loans discharged. I meet the requirements for the loans to be discharged so they must be discharged. XXXX had their funding pulled due to fraudulent activity and statements made by the company. I never would have went to XXXX nor would I have pulled out student loans if I knew the statements they were telling me was false. Furthermore, Navient has discharged student loans for other people past the 120 threshold for the same reasons they just went to a different school. A few of these people I know personally and that is how I found out about this. If Navient is going to discharge the loans for one person based off of this they must discharge them for all the people meeting this requirement otherwise they are discriminating against me. Which would be a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Every time i ask t have my address changed I get a fraud alert. 

Please change my address and remove the Fraud alerts from my profile. 
Please review my credit score it is incorrect. 

Thanks XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: O N   XXXX  2017 AT   XXXX   XXXX   MY DEBIT CARD # WAS USED TO PURCHASE {$2000.00} AT   XXXX   XXXX   XXXX   IN  XXXX , TEX AS.     O N  XXXX 2017 WE CALLED  XXXX  POLICE DEPT., CASE #  XXXX .       ON  XXXX /2017 WE CALL MY BANK BBVA TO INFORM THE PROBLEM, BBVA CASE #  XXXX . THE BANK INVESTIGATED AND CLOSED THE CASE WITHOUT MY REFUND. THE BANK TOLD US TO CALL  XXXX  OURSELVES AND WE DID WITHOUT ANY RESULT. THE BANK ALSO TOLD US TO FILE AT SMALL COURT, BETTER BUSINESS BUREAU BY OURSELVES. WE FEEL THE BANK SHOULD REFUND TO US WITHIN 10 DAYS BY FEDERAL LAW. TODAY WE STILL HAVE NOT RECEIVED THE REFUND. THE BANK CUSTOMER CARE TELEPHONE # IS  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Attached is a letter from Nationstar stating that I requested for assistance. I do not know which assistance Nationstar is referring to because I never requested for any assistance nor did I discussed it with anyone at Nationstar. 
On XXXX XXXX, XXXX, at about XXXX, I spoke with my XXXX, XXXX XXXX about the status of my XXXX Loan Modification which they took over from XXXX Bank in XXXX as that XXXX Program is still in progress and yet to be resolved. She told me I have to re-apply for the program again and according to her the water shed is XXXX XXXX, XXXX : I think she meant to say deadline. I told her the deadline is for New applicants to the Modification Program to give them the opportunity to apply for the program to help modify their mortgage loan to a more affordable monthly mortgage payment. She disagreed with me and said both old and new applicants are to re-apply again. I also told her once you are in the program, you are in and there is no deadline for old applicants and that includes me. However, she decided she will mail me a packet and will be over knighted to me. Again, attached is the packet via XXXX. Also attached is my phone conversation with her on XXXX XXXX, XXXX at about XXXX regarding the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Using a debit or ATM card

Complaint: HiI received a notice that my account had fraudulent activity and they were issuing me a new card : see notes belowATM/debit card ending in XXXX XXXX XXXX, We 're letting you know your ATM/debit card may have been part of a compromise at an undisclosed merchant. This does n't mean that fraud has or will occur on your account. However, as a precaution, we issued you a new card that will arrive soon in a Bank of America ( R ) envelope with a XXXX, Delaware, return address. 
Please activate your new card as soon as you receive it. And, keep in mind : Your current debit card will deactivate on XXXX/XXXX/2015 or when your new card has been activated, whichever comes first - If you have an ATM-only card, it remains active until the deactivation date regardless of when you activate your new card Your PIN and checking or saving account numbers are unchanged. 
Your security is important to usAs always, your card comes with {$0.00} XXXX XXXX which means we 'll credit fraudulent charges made with your card back to your account as soon as the next business day, if promptly reported to us. 
Also, your new card now has new chip technology that provides stronger security when used at a chip-enabled terminal. For more information, visit bankofamerica.com/chipcardfacts. 
We 're continuously monitoring your card ; however, if you do notice any transactions you did n't make, please call us at XXXX. 
I have overdraft on my account and and i informed this back two days ago that I needed to make a large purchase today. They put a hold on the overdraft funds from my savings account and I ca n't also access my regular funds from savings. I verify the transaction to the fraud department and I was told by the fraud department to wait XXXX hours so that the hold will release. I was able to get out XXXX and needed to get out XXXX in total. I do not believe they have any justification to hold my funds nor apply it to my account if I have overdraft which I just took off my account today. XXXX the supervisor in customer service just helped me after I informed them I was making a complaint the XXXX. 

Kind Regards, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX, I changed homeowner 's insurance companies. I paid for the policy upfront in full on the date of issue, XXXX XXXX, for {$820.00}. I then contacted Wells Fargo to notify them that I changed companies and paid the insurance. In XXXX, I contacted them again concerning my insurance because it did not appear that they updated my records. They increased my escrow, based on the insurance payments that they alleged they paid, and increased my mortgage payments almost {$200.00}, based on an alleged shortage that did not exist. They then failed to apply my mortgage payments that my bank sent automatically each month, claiming they were only partial payments, putting my mortgage payments that were being sent like clockwork directly from my bank each month to be behind three months. They then threatened foreclosure action. I called the insurance company that verified that I, and not WF as WF claimed, paid my insurance. My loan is nearly paid off and suddenly, Wells Fargo has ruined my credit, based on an escrow shortage that does n't exist. In fact, on XX/XX/XXXX when I finally spoke to a supervisor, after being on the phone for over two hours with Wells Fargo, she admitted I had an escrow overage, not a shortage. If so, why did my mortgage payments increase based on an alleged escrow shortage? City taxes increased, but she said my escrow still had an overage after taxes were paid. WF created a shortage that did n't exist to extract additional money from me and to drive my home into foreclosure in order to extract additional fees and expenses.

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 03/15/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Portfolio Recovery Associates has not verified a debt with my signature which they claim I owe, and they are not licensed in the state of CT to pursue such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX System Account # XXXX ( XXXX ) XXXX a derogatory mark was placed 6 times for XXXX of XXXX Even though I was in XXXX with the United States XXXX and I told them I was leaving. 




XXXX XXXX # XXXX ( XXXX ) XXXX a derogatory mark was placed 1 time for XX/XX/XXXX a derogatory mark was placed 1 time for XX/XX/XXXX a derogatory mark was placed 1 time for XX/XX/XXXX a derogatory mark was placed 1 time for XX/XX/XXXX a derogatory mark was placed 1 time forXX/XX/XXXX These were placed on my credit report even though I was placed in forbearance for a temporary pause in schooling.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (NY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: They have been calling more than 8 times A-day every day nonstop. My daughter was made fun of for her XXXX she has no money she is unable to work and is waiting to be approved for XXXX the company will not work with her and continued to harass myself and her and keep telling us both lies they told her if she made a payment that it would push everything back for 30 days and be fine then 5 days later they called me told me the loan Would be summat sent to litigation and collections and demanded money for me that I don't have even though they told her something completely different and continue to lie to us and you anything in their power to get the money from us that we don't have even know we keep calling them trying to work with them they just keep telling us lie after lie and scamming us We want the harassing phone calls to stop and allies to stop we are trying to figure out a way to make everything work we have asked them to work with us they refuse to buy wish these loans could just be released They have done so many wrongful things including discrimination lying harassment, Basically their lies are just trying to scare us into making payments I understand that we owe money but like I said no one has it and we've been trying to work with them and set up a plan until the XXXX has been approved by the State of New York and they don't seem to care they just keep telling us lies to scare us into whatever they see fit

Company response to consumer: Closed with explanation