milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/30/2017 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (CA).
Issue: Closing on a mortgage

Complaint: I am the  administrator of  my mother 's estat e. In  XX/XX/XXXX  , she took out a reverse mortgage on her home with  XXXX . She passed away in XX/XX/XXXX . At the time of her death the reverse mortgage was being administered by Reverse Mortgage Solutions  (  "  RMS  '' ). Upon her death, I promptly provid ed RMS  with all requested documentation showing that I was t he administrator of her estate and advising them that I was selling the home. I provided a copy  of the real estate listing agreement for their records.  <P/> In   XX/XX/XXXX , RMS tresp assed upon the property, and vandalized it by changing the locks and installing a lock box. When I enquired why this was done, no one at  RMS  could provide a reason. I incurred costs of {$230.00} as a result. I sent RMS a written demand for my costs, but have never received a response.  <P/> In XX/XX/XXXX , a buyer was found for the property and an escrow opened. When the escrow company submitted a request for the payoff demand statement,  RMS  responded by issuing a Notice of Default and initiating foreclosure proceedings. Since the property was already in the process of being sold, with an active escrow, it would appear that the foreclosure was initiated simply to run up additional fees and costs.  <P/> Although the estimated closing date of for the sale was   XX/XX/XXXX ,   RMS submitted a payoff demand that calculated interest through   XX/XX/XXXX  . Not wanting to delay the sale, I agreed to pay the full amount of the demand, with the understanding that RMS would refund the unearned interest. RMS received the funds necessary to satisfy its demand on   XX/XX/XXXX .   <P/> When 30 days had elapsed and I did not receive a check, I contacted RMS about the refund of the unearned interest. I was told that they are not required to refund the interest.  <P/> The payoff demand included a charge for "  Corporate Advance  of {$720.00}. I have not received a response to my written request for an explanation of or documentation for this charge.  <P/> The payoff demand included a charge for " Outstanding Fees & Costs '' in the amount of {$2000.00}. RMS has not responded to my written request for an explanation of or documentation for the charge.  <P/> Given that  RMS  administ ers and/or  makes loans on reverse mortgages, the elderly or their legal representatives make up a disproportionate share of its accounts. From my experience it appears that  RMS  engages in unfair business practices, which include refusing to communicate or respond to inquires from its clients and/or representatives and adding unlawful fees and costs to its loan balances. While the amounts charged are not great, if RMS engages in this type of activity on a regular basis, the fees and costs collected from its thousands of elderly clients  may  be significant.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: This complaint is about an Unknown medical collection on my TransUnion credit report from a collection agency called XXXX. 

The problem is that XXXX was not able to verify this collection belongs to me and TransUnion has refused to remove it from my report What has happened is that on XX/XX/XXXX I discovered an unknown medical collection from XXXX on my credit report and onXX/XX/XXXX I disputed this with Transunion. I received notice from Transunion on XX/XX/XXXX that the debt had been verified by XXXX and TransUnion advised me to contact XXXX. On XX/XX/XXXX I wrote XXXX a letter requesting they validate the debt by producing evidence that I am indeed the person responsible for the Debt. I requested that if they could not validate the debt that they would instead please provide a complete withdrawal of their claim. On XX/XX/XXXX XXXX sent me a letter stating they are ceasing collection efforts and have closed this account in their office. They provided no other information. On XX/XX/XXXX I notified Transunion that XXXX was unable to validate the debt or provide me with any information other than the letter stating they were ceasing collection and closing the account. I forwarded a copy of the letter I received from XXXX to TransUnion with my correspondence. On XX/XX/XXXX TransUnion sent me a letter and a copy of my credit report that says they have completed their investigation and DISPUTED INFORMATION UPDATED. The updated information on my credit report continues to show this unknown and unverifiable collection. Transunion provided me with a phone number to their call center and onXX/XX/XXXX I called and spoke to a representative named XXXX ( he gave me a call tracking # XXXX ). My call with XXXX was more than frustrating. He advised me that TransUnion had validated the debt with XXXX and that I would need to contact XXXX again. I have learned that the definition of insanity is doing the same thing over and over again and expecting different results. It seems a bit insane to me that TransUnion would ask me to do the same thing they already asked me to do and expect different results. Therefore I am writing you today to file a complaint against TransUnion for continuing to report an unverifiable account on my report.

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 02/15/2016 about Debt collection (I do not know) with RGS Financial, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Called by RGS Financial for my wife. Unsure how they got my number. Asked for my wife. I stated she was n't at the number called. They asked if they knew how they could reach her. I told them to give me a phone number where she could call them back. They refused and said they would try to find her by another means and hung up abruptly.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Starting in XXXX I started a program through the XXXX XXXX XXXX. After dealing with a few different problems with them & getting consumer finance involved before, the program was completed XXXX see attached documents ). 

Now I am receiving documents from XXXX XXXX XXXX on behalf of Barclays Bank Delaware stating that my account owing XXXX was not paid off. This was XXXX of the debts that was consolidated within the XXXX XXXX XXXX XXXX. This amount due was paid in full in XXXX. Documents attached prove this to be so. 

I have reached out to both companies. XXXX XXXX XXXX says that they can not help me due to the completion of the program, and XXXX says that they received my proof of payment but their records are correct and show that I still owe this amount. 

Please review attached Documents.

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 08/24/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Problems when you are unable to pay

Complaint: I missed a month 's payment and then another. I have spoken with them several times about making my payments. After I have made a payment they continue to call and harass me about when I will make the next payment. They call sometimes twice in a given day. The last message they left was very aggressive. I made a payment XXXX XXXX, 2016 ( XXXX ). I made another payment XXXX XXXX, 2016. I intend to make another payment XXXX XXXX, 2016. I do not wish to be harassed by Capital One when I am doing my best to become current with them.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Debt collection (I do not know) with HOVG, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Bay Area Credit Service refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( XXXX ) XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Midland Credit reporting agency reported the same debt three time to XXXX but did not report it three times to XXXX or XXXX  credit reporting agencies. I contact XXXX XXXX XXXX XXXX to complain about what they did and the representative refuse to acknowledge that their agency did this intentionally further exploiting XXXX data breach. The first report was XX/XX/XXXX. The next one wasXX/XX/XXXX and XXXX both XX/XX/XXXX for the same amount of the original debt of {$1100.00} to one creditor and then {$600.00} for the other creditor. On all three times they reported the same information from the same creditors I owe debt to. I explained to them that the are only allowed to report the debt to all three credit bureaus one time and one time only. I further got no response other than if my address, telephone number etc was correct for them to pursue me for collection purposes. I want the additional two reports removed from my credit report because they are only allowed to report once not three times.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Other debt) with Applied Business Services, Inc. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I pulled my credit report and found out I had a negative remark on my report for {$25.00} from XXXX XXXX XXXX XXXX  opened X/XX/11. I dispute this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because the credit bureau ( EXPERIAN ) has failed to provide me any physical proof that they have on file that were used to verify the accounts I disputed. This is well past the 30 days allowed to verify these accounts. Under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified. Please resolve this issue as soon as possible.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I 've been having on going problems with naviet ( formely XXXX ) my loan was originally taken out XX/XX/2010 when I went to XXXX and I have been making steady payments.the principle never seems to go down.im single taking care of my sick father providing for a house.they have puts marks on my credit report, which have hurt my credit.I always ask to see records on how much I have paid and they cant ever really give me a current balance.very bad experience.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I initiated a dispute with Equifax on XXXX XXXX since then I have initiated a reinvestigation because the outcome of the first investigation stated that they found that the accounts they belong to me so again I disputed as fraud and they 're still saying that they verify the accounts. What account is with XXXX XXXX XXXX yeah the account is with XXXX neither XXXX of these accounts belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (OK).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX, the company I worked with for 6 years closed its doors. I was unable to obtain comparable pay for about 20 months. In XX/XX/XXXX, I obtained permanent stable employment and was told by the mortgage company that I could not file for a loan modification until XX/XX/XXXX. In XX/XX/XXXX, the foreclosure petition was filed by the mortgage company. 

During the foreclosure process, I was told by the mortgage company that all forms of communication had to go through the attorney. So I submitted the loan modification paperwork on XX/XX/XXXX via the foreclosure attorney. Summary judgment was filed on XX/XX/XXXX. I finally received an email from the foreclosure attorney on XX/XX/XXXX indicating that the " the documents I submitted are still under review ''. See " email regarding loan mod '' attached. This action is in violation of the CFPBs Prohibition against dual tracking because the foreclosure attorney proceeding with foreclosure while under review for a loan modification. 

Also, the mortgage company has not been able to produce a true, valid and original note and mortgage. The note and mortgage attached to the Foreclosure Petition ( see attached ) is different from the mortgage and note submitted with the Summary Judgment ( see  attached ). Since the mortgage and note are fraudulent and the mortgage company is unable to foreclose if they are not the holder of a true, valid and original note and mortgage.

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 09/26/2016 about Mortgage (VA mortgage) with Fidelity National Financial, Inc (TX).
Issue: Application, originator, mortgage broker

Complaint: This complaint is submitted to force an inquiry into both Fidelity National Title and XXXX surrounding the events leading up to the refinaincing of my home located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 

Short backstory : Initially I had erroneously thought that the continuing problems and erosion of my credit standing was due to the negligence of XXXX against whom I had lodged a complaint with the CFPB and the Texas Department of Savings and Mortgage Lending. After my complaint was received by the aforementioned agencies it was found that XXXX Committed no error in its reporting against my credit, nor in its handling of the payoff received from XXXX. 

After more months of waiting/searching for answers seeking legal consultation, I reached out to XXXX during the week of XXXX XXXX, XXXX and spoke with them. They relayed what I had heard before which is that Fidelity Title failed to request a new payoff statement prior to closing on my home in XXXX of XXXX. Had Fidelity National Title requested a new payoff, they would have found that taxes were paid between the time of the payoff statement and my closing in late XXXX XXXX XXXX. The bottom line is this : Had Fidelity National Title done its due diligence and requested a new payoff statement, they would have seen taxes paid and my refinance could have been pushed back a few days to make adjustment on the final closing figures. Instead, no one at Fidelity National Title of XXXX thought to go back and ensure the payoff statement was still good and the result is the credit of me and my wife being ruined and XXXX Mortgage wanting full payment of anywhere from {$4200.00} - {$7600.00} depending upon what document I look at. Either way, this could have been avoided and I am asking for an investigation into this matter to bring to light who dropped the ball and why. Moreover, we sold the house in question in XXXX XXXX and Fidelity National Title is pushing the matter off on to the buyer 's title company ( they had nothing to do with this matter ). There are no, nor have there ever been any liens against the property and consequently, the other title company being pulled into this mess has no play in this matter. 

This matter has so devastated my credit and my standing with the VA ad a XXXX veteran that I can not obtain a mortgage that will put my family in a better financial position. 

The entities in question are : XXXX XXXX, Fidelity National Title, XXXX FM XXXX, XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX and XXXX ( he is a manager ), XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, AR XXXX ( XXXX ) XXXX ; have only successfully reached this guy once ( perhaps twice ), but he knows a bad payoff statement was used and has n't returned any of my calls since.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Bank account or service (Cashing a check without an account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I paid for a cashier 's check from Wells Fargo in order to pay for my XX/XX/XXXX rent. A week after I mailed it off, my landlord contacted me and informed me that he had not received it. Thinking that it had simply been lost in the mail, I visited several Wells Fargo locations to stop the payment and reprint the cashier 's check. After these several attempts failed due to Wells Fargo refusal to stop payment and reprint the check without notarization, the last Wells Fargo bank I visited informed me that the check had already been cashed. Upon further investigation, the representative gave me a printed copy of the cashier check when it was processed, and the check was clearly tampered with. Someone else 's name was scribbled over my landlord 's, but the Wells Fargo location cleared it anyway despite the obvious evidence to it being tampered. Upon complaining, they refused to help : claiming that there was nothing they could do to even consider reimbursement for an indefinite amount of time and shallowly offered me a " loan '' to pay my rent. Now I still have this month 's rent to pay, my landlord is compounding late fees every day he does n't have it, and my children are going to find themselves without XXXX this year unless this thing is settled and Wells Fargo is held accountable for their mistake.

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 11/13/2015 about Credit card () with JPMORGAN CHASE & CO. (DC).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2015 I rented a car XXXX. I discovered a flat tire within in an hour of picking up the car. Despite numerous attempts, XXXX did not provide any assistance. I could not use the car. 

I reported the incident to Chase that same evening and requested that no payments to XXXX be authorized from my account. Despite my request, charges were posted on my account. 

I submitted a formal dispute to Chase on XXXX XXXX, 2015. In a letter dated XXXX XXXX, 2015, I was informed that my dispute was terminated since XXXX did not respond to Chase 's attempts to " investigate '' it. 

I contacted the manager XXXX directly and she refused to remove the charges. 

On XXXX XXXX, 2015 I closed my account and resubmitted a formal dispute to Chase. In a letter dated XXXX XXXX, 2015, I was informed that my dispute was denied. 

Chase continues to attempt to collect {$1200.00} ( an estimated according to the last bill I received ).

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Debt collection (I do not know) with Midwest Recovery Systems (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX XX/XX/2017 MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX RE : Account # Unknown To Whom It May Concern : This complaint is being filed against your company you due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX  } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any  negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation