milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/30/2017 about Payday loan, title loan, or personal loan (Installment loan) with WELLS FARGO & COMPANY (NC).
Issue: Struggling to pay your loan

Complaint: I have been a Wells Fargo member since XX/XX/XXXX and decided to take out a personal loan in XX/XX/XXXX. In XX/XX/XXXX I had some family issues, lost a job and another major hardship that affected my liquidity, as a result I reached out to Wells Fargo to work something out with my payments. The first representative stated there was no such service and I attempted to call at least two other times to ask for some lenience given my time with Wells Fargo and previous record of being a good customer. My attempts were to no avail, I had three extremely hard months and as a result I have late marks XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Recently I reached out again requesting consideration for removal given I went through extreme hardships and am now looking to apply for a mortgage. I would like to share my journey with other consumers who are considering a relationship with Wells Fargo. I found it to be a great bank in terms of offerings when things are good, but completely lacking in support when it was most needed. I also bank with XXXX XXXX and XXXX XXXX - both of which were more than happy to work with my situation at that time. After my hardship I successfully paid each month for the remaining year on my Wells Fargo account without issue, I was genuinely in need of assistance for a small period due to occurrences beyond my personal control.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Privacy

Complaint: After my recent divorce I changed my name back to my maiden name. On XXXX, 2016 I called Capital One credit card to make the change and was told that I had to speak with a supervisor. When I was connected with the supervisor I asked why I needed to speak with her and was told that there was a Cease and Desist order on my account by an attorney XXXX XXXX. They could remove immediately, of course. This was my ex-husband 's attorney. I asked how this attorney could do this when my ex-husband had no financial ties to this account nor had I been notified that this order was being placed on my account. While looking for the information I was disconnected. I spoke with my attorney the next day and she was very upset that this had happened and told me Capital One had no right putting the order on my account. She asked me to get a copy of the order. She is contacting the other attorney and getting information from that end. I called Capital One back on XXXX XXXX and after a lengthy on-hold I was told they could not find a written copy of the order, that it must have been given over the phone " verbally ''. I could however make a request " in writing '' that they continue to look for a written copy. When I asked them to explain exactly what this Cease and Desist order was they were very vague and what they told me made little sense. I feel as if my privacy was seriously invaded and I will be cancelling this credit card as I no longer feel safe with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian recently added a collection on my credit report. The collection name is XXXX XXXX XXXX in the amount of {$290.00}. This collection is an old collection that was deleted from my crdit report and now being reported by a different collection company. I never recieved notice about this collection company, I monitor my credit report very closely and I have never even knew they were going to report this on experian. This is the only credit burea they have reported on. This amount is no longer owed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (MN).
Issue: Loan modification,collection,foreclosure

Complaint: I filed Bankruptcy in XXXX of 2014 which excluded my home and truck : XXXX were exempt and it states it on the Court documents. My mortgage company, Caliber Home Loans, has listed my house on Bankruptcy status since that date for which it was exempt but I just found this out recently and the mortgage co. informed all the credit bureaus also that it, my home, was in Bankruptcy status also, which I have a recent letter from them stating they informed them, so when I was getting credit help they stated that prior reporting was accurate and the request to remove anything they were unable to do. 
I went to get preapproved for a home loan and the Loan Officer told me that it was under Bankruptcy so I would not be able to get a loan for 7 years. 
I have been in contact with my mortgage co. and they know it is exempt but will not remove the status and I have been shuffled from person to person. My credit is bad enough without this but not as bad without this on it. I want it to be taken off my credit reports, all XXXX, and reflect that it was knowingly put on the credit report information that was not correct. 
information.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I have been a full time student since XXXXXXXX 2017, returning to XXXX XXXX University for graduate school. Since enrolling I have continually attempted to place student loans in deferment with Navient. All request have been denied due to being in a " modified rate program ''. I have sent multiple request via fax, email and their online portal. All request have either been denied or unacknowledged. Since the payment was manageable at the time, I continued to make on-time payments to Navient. However, I recently received notification that the " modified rate program '' that I was enrolled in would be expiring. The email stated a needed to submit an updated financial statement to continue the program I was enrolled in. The email provided a link to the form which needed to be completed. I submitted the form to Navient via email to continue the " rate reduction program '' and never received a response. Now the " rate reduction program '' has ended and my monthly payment has doubled. As a full time student the  payment is no longer manageable. Navient continues to deny placing the loans in deferment and has not responded to my request regarding a lower payment option.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: American Education Services does not provide an accurate depiction of the monthly installment for minimum Payment in the Statements for when Payment Amounts change. With this being the case, I have noticed many discrepancies with what individuals from the company state in terms of these installments. This is throwing off payments being scheduled through their online system. This also leads them to think that I 'm unable to pay the Loans. They need to be transparent in how they report what is due each month and correspondence alerting borrowers of any changes should be communicated no less than 30 days from when the change goes into effect or when the new Amount change is due. 

In addition to this, they 've been sending payment requests to any and/or all co-signers even AFTER I 've made the required payments. If this is repeated, I will seek litigation for harassment, as they should be made aware that contacting other parties asking for payments to be made when I 've already done so is unethical and is very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please investigate my late father social security number. It have been used since XX/XX/XXXX, even though he have been XXXX since 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 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The California XXXX XXXX XXXX placed a lien on my bank account on XXXX XXXX, XXXX claiming we owed the state XXXX taxes. This was incorrect, as were were living in Virginia in XXXX. I faxed y XXXX Virginia tax filings to the XXXX XXXX XXXX, they agreed, lifted the lien, and sent me a notice saying the lien had been recorded in error. 

However, my credit report with TransUnion ( and possibly other agencies ) still shows the lien. I called TransUnions " Consumer Relations Department '' at XXXX, but it is only a recording offering to send me a copy of my report, but no option to correct errors.

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 05/20/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Your site is not working correctly. It accepted my information and then offered the credit score for XXXX, which is not free. Your site would not allow me to go back to the prevue screen because I am not paying your company anything. I will be reporting this to the Illinois Attorney General 's Office Monday morning. The option to get the report online never appeared. I had to close the site to get it to do anything. Your security letters request was also malfunctioning. When I went to email your company, it rejected sending the email stating there were errors. There were no errors.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On the Chase Website they advertise a no risk/zero liability ATM card. The website also claims they have sophisticated software in place that will alert you to any possible fraudulent charges. My card was charged {$3400.00} over a four month period as shown below. 
Month Day Amount Gas Station XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The company will not credit any charges over 60 day as it claims that is stated in an agreement I was sent but I never saw. It does not state this policy on their web site. In addition to the false advertising I am concerned the Chase Fraud Department may be complicit in the fraud as my alert on my card is set for charges over {$100.00} and somehow the criminals knew only to charge up to {$100.00}. When I spoke with the Fraud department and asked why they did not catch this egregious violation ( who gets {$100.00} worth of gas every few days plus there is a well know scam with card readers at gas stations. These transactions should have been flagged by their fraud department before we ever got near 60 days. ) I was told they do n't flag gas station transactions like they do transactions that occur 100 miles from home.

I was 100 miles from home visiting family in New Jersey in XXXX where I used my card. At the same time fraudulent charges were being made at gas stations in Florida. Then again in XXXX I was two places at once. According to their own Fraud Department this should have raised a flag. If it had it would have fallen within the 60 days and I would have been protected. 
What is the purpose of a Fraud Department if not to protect the consume from fraud? Between the malpractice of the Fraud Department not picking up multiple {$100.00} gas station transactions days apart and sometimes on the same day and their not asking, " How can the same person be using the card in NJ and FL over the same time period? '' Plus the false advertising I decided this needed to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Mortgage (Conventional fixed mortgage) with IMPAC MORTGAGE HOLDINGS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I presently have a loan with Cashcall, which was completed approximately 4 months ago. 

As interest rates have improved, I decided to go back to Cashcall for a refinance. After completing the necessary paperwork, I was told I had loan approval. In fact, I signed the loan documents with a notary. Loan number is # XXXX. 

After loan documents were signed, Cashcall indicated that XXXX and XXXX loan requirements had changed, stating that my Roth IRA account could no longer be used as qualified income, as I had used in the first loan. ( I submitted a letter from XXXX, showing the monthly distribution, which I offered this time as well ) After researching this " new '' requirement from XXXX and XXXX, I was unable to find anything online to support this statement. I believe this is untrue. 

XXXX XXXX and XXXX XXXX from Cashcall indicated to me that an automatic IRA distribution for persons over XXXX could only be used as qualified income. 

I notified Cashcall that I only have a Roth IRA, which does not require an automatic distribution. This is the same Roth IRA that I used for the first loan with Cashcall! I made numerous attempts to reach them, both in phone calls and emails, with no response whatsoever. 

I believe they are discriminating against me because of my age.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed the accounts as being fraudulent and not mine or opened by me. They refuse to remove the accounts from my credit file or remove them only to re add them later.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (Credit card debt) with Collection Consultants of California (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: COLLECTION CONSULTANTS OF CAL XXXX XXXX COLLECTION CONSULTANTS OF CAL XXXX XXXX COLLECTION CONSULTANTS OF CAL XXXX XXXX COLLECTION CONSULTANTS OF CAL XXXX XXXX Attn Consumer Fraud Dept. 

I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, : Furthermore Collection Consultants has sent me a bill with a different address than my own from XXXX. 
The bill also had a name I do not know and am not associated with. 
My research show that the insurance for that bill was with XXXX am with and have been with XXXX XXXX XXXX XXXX please see attached docs ) I have always been going to XXXX XXXX NOT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (OH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Citibank contacted my father around XX/XX/XXXX-XX/XX/XXXX. I was out of the country. My father has a separate account with Citibank, they advised him that my account was past due and no payment received since XX/XX/XXXX. My father isnt listed on my account, nor do I live at home with my father. Once my father made the rep aware that he had made a mistake he didnt want to release any further information. My account is enrolled in a Debt Settlement program and i have notified ALL my creditors of this and not to contact me or any one else. 

XXXX XXXX contacted my mother around XX/XX/XXXX-XX/XX/XXXX, while i was out of the country, at my previous home telephone trying to collect on a a debt, after they had been informed of my enrollment into a debt settlement program.

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 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: We submitted a complaint to XXXX XXXX XXXX credit card fraud unit with  respect to a fraudulent repair of a refrigerator. XXXX XXXX XXXX delayed their communications and responses to us sufficiently that they closed the case abruptly without acknowledging our legitimate attempts to provide the information they were seeking on a timely basis. The delays were solely due to XXXX 's very slow processing times and very slow communications. 

By closing this case without processing our information, they have failed to protect us from a fraudulent merchant. 

We are now being held responsible for the charges levied including interest and late fees even though XXXX failed to timely process our claim information.

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 03/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have previously paid this debt to the creditor in full

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Billing statement

Complaint: As you probably know, all American Express XXXX cards were converted to XXXX on XXXX XXXX 2016. I have no problem with that. But, now I am unable to download my recent statements. American Express says they turned them over to XXXX. XXXX says they never got them. Somebody has my statements and I want them. I think Amex is just being rude because they 've lost the business.

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 08/17/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 30 days past due XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am sending this final goodwill letter in regards to a reoccurring problem by the credit bureaus and creditors continue to place inaccurate information and errors on my credit file. I have contacted each credit bureau by mail sending certified letters, previous recorded phone calls with supervisors and managers that I have on record, a complaint with the FTC, a law suit filed against all 3 credit bureaus along with a separate law suit against the creditors listed in the letter I have attached to this complaint. This is my final attempt to reach you. Please read the letter carefully and take it as a serious matter. It is not a threat, its a final good will letter.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (PA).
Issue: Unauthorized transactions/trans. issues

Complaint: I have n't been able to access my money for more then a week ca n't pay my bills my work paycheck goes into account rush card is not answering my calls keeps hanging up on me

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/22/2018 about Debt collection (Medical debt) with Credit Bureau Systems, Inc. (KY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a bill for a minors XXXX that occurred around XX/XX/2017. I was the POA for the minor for follow up appointment purposes. However, her mom was SUPPOSED TO BE listed as the guarantor. Somehow I think there was a clerical error and I am now being held responsible for a bill that I don't have the resources to pay. I have been in contact with the hospital, the XXXX group, and the credit bureau system trying to fix the mistake. Yet, somehow, nobody wants to budge on the issue. For providing insight, Note that I'm in college with no financial aid, working and going to school full time and I can barely afford the bills I already have. This issue has ruined my credit and probably my chances for renewing my lease in a few months. What seemed like a little issue could now leave me homeless

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation