milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/23/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (TX).
Issue: Struggling to pay mortgage

Complaint: excuse my illetercy for my writing of my statement I took out a home equity loan over the phone from Well Fargo Bank around XX/XX/XXXX or XX/XX/XXXX for XXXX dollars for what I thought was for10 years on payment of aXXXX a month which I though I was paying the loan off to fine out in XX/XX/XXXXI was only paying interest only and still owe XXXX XXXX XXXX dollars I was pretty upset about the whole process of being had so Well Fargo started up a new loan with lower interest for 5 years at XXXX dollars a month I recently lost my job in XX/XX/XXXX of this year I notified them of this change and sent Well Fargo all the information to apply for hardship after they review all the document they decline me for assistance they sent me a letter of other resources I could use I took the option of a lump sump settlement they decline that offer to after I had to prove I had the funds available to pay I got another job and started trying to catch up on the back payment of the loan I lost this job and of course my unemployment stop so I fell back again i '' m employed again partime I called for assistance again I sent the nessersery document only to be ask for more I was wondering if I can get some help with this matter I have all ready pay this Bank over 18 ; 000 dollars a consumer that at end of solution of being taking by this Bank

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 07/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX child support opened a case against me in XXXX when they started taking child support out of my checks. I was then XXXX in XXXX and they continued to take child support I was never late or ever sent into collections. I still have a charge off on this account on my credit report the case was closed in XXXX of XXXX an report was added to the credit report in XXXX of XXXX due to my child turning XXXX and no longer pay child support but still shows as a disputed on my credit report. I contacted child support enforcement which is listed as the creditor on the report. They stated I would have to contact the credit reporter to have this removed. I have a letter from Social Security Administration stating we no longer take payments out of me for child support due to the court sent an order to stop withholding. I would appreciate this being remove from my credit report due to its negative effect on my credit standings.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (OR).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX is my Health Insurance and Health Services company. I had a procedure that came with {$100.00} copay. I paid by charging my credit card in advance of the procedure at their prompting. The procedure and payment were XX/XX/2015.I received a collection letter for the item on XXXX XXXX, 2015 from their collection agent AMO Recoveries . I was never contacted by XXXX about the lack of payment prior to this letter from the collection Agent. 
Not only was the payment in advance of service, XXXX never notified me they had no record of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Other debt) with Central Business Funding (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX   XXXX   XXXX     To wh om it may conc ern : In  XXXX  I had signed up with a business by the name of Central Business Funding, this company was supposed to assist me in bettering my credit, even though I have excellent credit. They were supposed to get me started in a business, and by them monitoring my credit they were supposed to put me in contact with lenders that would loan me money for this business, using a busines s credit score, as opposed to using  my personal business score.   Central Business Funding was a scam, all they did from the start when I signed up with them, was to charge my accounts for $  XXXX  of dollars. For months they withdrew money out of my accounts, and did not provide the services that they claimed that they would do.   In    XXXX   XXXX   XXXX   , an attorney at   XXXX   XXXX   XXXX   XXXX   XXXX   wrote a demand letter for me demanding that Central Business Funding pay me back the {$1200.00} dollars that I had paid to them for their fraudulent services, and I have not received my money back as of yet.   Now this collection agency   XXXX   XXXX   XXXX   is trying to charge me the {$1200.00} that Central Business Funding fraudulently stole from me.   I need your assistance, I dont owe Central Business Funding anything, nor do I owe this fraudulent collection debt, and since  XXXX  is stepping up for Central Business Funding, between the  two  companies, I want them to refund back the {$1200.00} dollars that Central Business Funding took out of my personal accounts.   I looked up this    XXXX   XXXX   XXXX   XXXX   and  this is what it states regarding this collection company.   They are a    XXXX   XXXX   XXXX   XXXX   XXXX    filed on   XXXX   XXXX   XXXX  . The companys filing status is listed ad Inactive-Dissolution by Proclamation/Annulmen and  its File Number  is  XXXX .   The Registered Agent on file for this company  Is   XXXX   XXXX   XXXX  and is located at  XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX  , NY  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After several attempts of trying to remove a debt on my report that did n't belong to me, I agreed to pay off the debt at a reduced rate. I was told that it would be removed off my credit within XXXX days and it was n't removed. It does say XXXX balance but it 's listed as a collection. I called the agency and they told me to call the credit bureau. Should n't it be the collection agency who should contact the credit bureau?

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Student loan (Non-federal student loan) with AES/PHEAA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been paying on my student loan for over a year and continue to have billing issues. Every time I call the customer service line to ask for help or to see what options I have, they can never seem to help me. They are rude and do n't listen to anything I have to say. They state that I have XXXX loans and XXXX are due on 1 day and the last is due on a different date. They will not help in consolidating them, they will not offer a lower payment option, and just say my account is not able to do so. I ca n't ever seem to get ahead no matter how hard I try. I will submit the payment and rather than applying to the XXXX loans that are due, they disperse as they please which makes one of the other loans delinquent or behind. Their customer service is horrible and do not want to help at all with payment options through their customer support line. I spoke to employee XXXX and she stated they could consolidate and gave me instructions how to do so. I called back 20 minutes later for assistance and a different employee stated there was nothing that could be done and I could n't consolidate the loans or get a lower payment plan and to call back in 2-3 weeks. It ridiculous. I try to pay but yet they keep screwing me over.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX was included in my husband 's bankruptcy case. A discharge was ordered. XXXX forwarded by file to a collection attorney. My attorney wrote 2 letters for which XXXX attorney responded he would withdraw the negative remarks on the credit bureaus and close out the case as it was discharged. XXXX bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. The supervisor, XXXX in the Bankruptcy department stated " They can do whatever they want. She does n't have to follow the rules. I should have been responsible ''. XXXX has my credit bureau noted as collections-charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with XXXX I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided and XXXX said " to bad '' that is n't my bankruptcy. I attempted to explain to several employees on several occasion their attorney dropped the case. The response was and is each time I call them, collection can be dropped but they can still report how they want to the credit bureaus. Copies of the letters mailed along with discharge papers will be attached.

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 02/20/2018 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent several letters asking that Wakefield & Associates send me proof that this debt is in fact mine,  signatures, and documents that show that I agreed to pay. They have not been able to do so. They are ONLY sending me letters that state that the debt does in fact belong to me ( verified ), with no proof. Most recently as of XX/XX/2017, I requested, and have yet to get proof. I have requested that they remove the debt since they aren't able to send me what I am requesting, and they have not. The amount of the debt is {$3400.00}. How can they claim a debt belongs to anyone without proof?

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 01/21/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Rewards

Complaint: My Bank of America XXXX XXXX card recently revamped their rewards program. Essentially the way it was explained to me was that they were making the redemption requirements more stringent and only beneficial after a certain amount ( XXXX ). Any rewards withdrawal before that threshold would receive less bonus. My credit card rewards have been changed and the changes only benefit the credit card provider not the consumer. My only recourse is to pass the XXXX point threshold in order to receive my normal bonus ( that previously was available to me at anytime ) then close my card and find a card with a provider that is designed to benefit the consumer not the provider.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/30/2015 about Student loan (Non-federal student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I began my full-time XXXX school program for my XXXX in late XXXX XX/XX/2009. All of my undergraduate loans except my NJ Class loans were automatically deferred due to me being a full-time student. When I called NJ Class to ask why they were still sending me bills, they said they would not automatically defer my loans and that I had to send them paperwork. I filled out the paperwork and sent it in. It took them until XXXX to actually put the deferral through. I did not pay in XXXX and XXXX XX/XX/2009 because I was a full-time student and did not have the money to pay. They marked my account delinquent, even though I sent them the paperwork to have my loans deferred. They must have taken forever to open up and process the paperwork I mailed in. They used to do the same thing to me when I mailed them checks. When I called them to work it out no one ever answered. If you do a search for NJ Class/XXXX on XXXX it becomes very clear there is something not right with their organization. 

I disputed this delinquency with XXXX I provided the necessary paperwork to prove I was a full-time student in XXXX and XXXX XX/XX/2009. They responded back that they checked with NJ Class and the delinquency was not an error. I do n't understand why they are taking NJ Class 's word for it when I have proof that I was a full-time student who was eligible for deferred status. 

If this delinquency is not removed, I will have a lower credit score than I should for two more years. I am in my XXXX and I would like to buy a home and start a family. I would also like to refinance my student loans. NJ Class 's error is going to keep costing me money in the form of higher interest rates on loans from my less-than-perfect credit score. This is the only delinquency in my credit report. I have other student loans and credit cards, and perfect payment records with all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I am filing a complaint against Bayview Loan Servicing LLC concerning events leading up to, as well as following a short sale of my home in 2012. During that time there were other resources, programs, and help that was supposed to be made available to me - programs coming from the federal government, to include XXXX and CFPB guidance. However, at no time during my inquiries to Bayview did anyone discuss these programs and resources with me. As a result of the inability to reduce the interest rate and adjust the mortgage, I was forced to ultimately go through a short sale. 
Recently I have mailed them twice with a USPS registered return receipt. They have failed to correspond with me concerning those letters. In those letters I asked that they, as an act of goodwill, remove the negative reporting of my XXXX delinquencies from my credit report. I asked them to do this, as it has been almost four years since the short sale. As part of the justification for the short sale, I cited the need to find adequate and adaptable housing for my XXXX daughter. My current lease is over in 4 months, and the negative reporting is jeopardizing my ability to qualify for a home that meets my daughter 's needs. 
Again - they failed to notify me of programs that might have kept me from going through a short sale, and they also refused to adjust my interest rate on my mortgage. All I have asked for now is to take the negative rating off of my credit, and they have failed to even answer my requests. Furthermore - I have tried countless times to speak with a Bayview representative on the phone. Unfortunately, every time I call their system, it pushes my through several automated responses and ends up hanging up on me. Their phone system does not work for the consumer. 
I ask for your assistance in this matter. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit reporting () with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed inquiries that were not made by me however I have not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 information on my equifax that is reporting incorrectly. I was a victim of identity theft and the equifax credit bureau was notified of the identity theft situation in XXXX and I have provided the police report along with identity theft affidavit from the FTC along with my proper identification and the letter of acknowledgment from one of the creditors that the fraudulent account should not be reported. 
Somehow equifax still is reporting the erroneous information on my credit file which has caused unnecessary hardship. They did not provide me with the method of their investigation and the creditors have verified that equifax never reached out to them. 
Equifax keeps reporting the erroneous information and after 2 years of struggle with trying to have them correct my credit reporting i still have no positive results. 
Even with a creditor providing a letter for the information to be removed, equifax somehow have verified that the information is accurate and would not share the result of their investigation or the written response from the creditor. 
The following accounts are being reported erroneously and should be removed immediately. 

XXXX/XXXX ACCOUNTS 1- XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Status : CHARGE-OFF 2- XXXX XXXX Account Number : XXXX Status : CHARGE-OFF 3- XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Status : CHARGE-OFF 4- XXXX XXXX XXXX Account XXXX : XXXX Status : CHARGE-OFF COLLECTION ACCOUNTS 1-XXXX XXXX XXXX Account Number : XXXX Original Amount Owned : {$180.00} 2- XXXX XXXX XXXX Account Number : XXXX Original Amount Owned : {$50.00} 3- XXXX XXXX XXXX Account Number : XXXX Original Amount Owned : {$240.00} 4- XXXX XXXX XXXX Account Number : XXXX Original Amount Owned : {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (Auto debt) with CITIBANK, N.A. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: citi bank some how put me in a protection program that I did not need. A  XXXX  a month now I wonder why a  XXXX  coming out of my account. I told them to cancel it they told me I have to pay for it. I told them that I have to pay for something that I did n't want. I do not want that service and they are trying to make me pay for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/17/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Money was not available when promised

Complaint: XXXX   XXXX   ca n't link to my bank which is Bank of America

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 04/19/2018 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (IL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Loan company said they did not receive payments. They were made! I was never notified of late payments! I want to know what happened to my money.

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 02/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Over 10 year period, Navient has been charging incorrect, higher interest percentages on both my Federal and private loans. After speaking with a representative with the CFPB on XXXX XXXX, XXXX, it was discovered that I also qualify for most of the charges the CFPB issued in their lawsuit filed in XXXX XXXX. In addition, there are the charges with the lawsuit the CFPB filed against XXXX XXXX XXXX in XXXX. There are additional charges that related and or linked to show cooperative, illegal and unethical practices between Navient and XXXX XXXX XXXX. I have spent years on the phone with XXXX/Navient being on hold for thirty plus minutes at a time ( one phone call I was on hold for almost an hour and a half, records of some of the calls were recorded as evidence ). In addition, Navient associates transfer calls to other departments and or associates who were not requested. They do every single time a customer calls them. This occurred again on XXXX XXXX, XXXX between XXXX and XXXX CST. At one point, I was on hold for over 45 minutes waiting for a supervisor. Another associate, not a supervisor, then picked the call up and proceeded to put me on hold for another twenty plus minutes. When a supervisor finally did come on the line, identified as XXXX XXXX, he refused to deal with the hold issue, refused to let me speak with his supervisor, who he identified as XXXX XXXX, and then hung up. Attempt to reach XXXX XXXX were unsuccessful, as I was told no one could find this individual in their entire system and going through multiple departments. One associate, identified as XXXX ID # XXXX, admitted that placing customers on hold for unacceptable amounts of time and transferring them to other departments and individuals was part of Navient 's policies and guidelines. XXXX also confirmed that the charges that were brought up against Navient by the CFPB were also part of Navient 's policies and guidelines. I was never able to reach XXXX XXXX after spending two hours and twenty six minutes on the phone with Navient associates.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: there is a charge on my credit report that is not mine please remove it i have never had an XXXX account in cali

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 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
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 disputed this account and asked for it to be verified and validated. I never received any proof of anything from credit bureau nor finance company.

Company response to consumer: Closed with explanation