milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage is services by ASC aka Wells Fargo and should be a fixed rate mortgage. In XX/XX/XXXX my husband was laid off and we began to have financial troubles. In XX/XX/XXXX, I filed chapter XXXX bankruptcy to save our home. Over the course of the next five to six years I paid over {$30000.00} in the bankruptcy case. Throughout this time and process we have request both payment histories and a history of the escrow account. For the past two years, I have periodically request this info time and time again. My bankruptcy attorney even provided them a release letter so that they could discuss this info with me. Our reason for this is that we wanted to make sure the money was being applied appropriately so that when the bankruptcy ended we would be back on track. Well this has been a struggle to say the least and to this day I have yet to receive any of the info I have requested regarding my mortgage. My last communication with ASC was on XXXX XXXX, XXXX via phone. This time I was told that the payment history and escrow info for my account is stored in microfiche ( yes microfiche in XX/XX/XXXX ) and they were having a hard time gathering the info for my account. I am not sure of what our balances are at this point and although ASC ca n't provide a history of the transaction on my account they have told us that we are still owe them approx {$14000.00} to {$15000.00} dollars. We are not currently in foreclosure as we have tried to modify our mortgage but was denied because they said our monthly mortgage expense is {$630.00}. However, our monthly mortgagpayment is {$820.00}. I am at a loss now and need help. We desperately need to see our account information to be able to make an informed financial decision regarding this mortgage but are not getting any details from this company. How can that be? I thought they had to legally provide us with at least a history of the account when requested? Please advise.

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 02-01-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (IA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I applied for a bar study loan with Sallie Mae, the representative ran my credit report and stated that I qualified based on the information in my credit file however because I did n't have a job offer yet, he could not approve me. I have a non-traditional name and I believe that the representative knew that I was not XXXX based on my name and used that to discriminate against me. I know several people who have been approved for the same loan who did not have a job lined up at the time of their approval. I attended XXXX University in XXXX XXXX, Iowa.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with United Accounts, Inc. (ND).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: United Accounts was awarded a judgment against someone with the same name. They put the judgment on my property and refused to remove it when I showed them it was not my bill. I had to pay the bill to remove the judgment from the property.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with Alliance Data Card Services (CO).
Issue: Charged fees or interest you didn't expect

Complaint: On XX/XX/XXXX I signed up for 12 months no interest financing at XXXX XXXX. I received my first statement with a due date showing the XX/XX/XXXX of every month. I then set up my bank for auto bill pay for the XX/XX/XXXX of each month so the check would have plenty of time to reach them. On the XX/XX/XXXX statement the bank changed the due date to show XX/XX/XXXX when the statement stated XX/XX/XXXX. I was unable to make the necessary change in time and was charged all 12 months of interest. {$840.00}. 

I feel this is criminal activity and should be looked at closely. I made every payment on time and missed the last one. I am asking that they reverse all interest charges as I have paid my balance in full. Now they are trying to hurt my credit. I received a letter from XXXX  showing a negative item. This is really unfair. 

Please let me know what I can do to rectify this. I reached out numerous times and there was no satisfying resolution. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Demanding a Credit Bureau Investigate To Whom It May Concern : Trans Union I recently submitted a request for investigation of the following Acct Numbers : OHIO DEPT OF HUMAN SERVICES XXXX OHIO DEPT OF HUMAN SERVICES XXXX OHIO DEPT OF HUMAN SERVICES XXXX OHIO DEPT OF HUMAN SERVICES XXXX These XXXX accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for XXXX or agent of XXXX to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly.

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 01/19/2017 about Debt collection (Credit card) with Halsted Financial Services, LLC. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX/XXXX/2017 I received a called from I received a call from XXXX from Halstead, he called back to back three times, when I answered the he asked to speak to XXXX, I responded this she, he identified himself, Then he proceeded to as for my ss # and I said I 'm not going to verified anything with he then asked for my birthday, I repeated my self, he continue to asked for my address I refused. He became very upset with and his whole attitude change. I told him you do n't talk any kind of way. He snapped you have a great afternoon, I 've just got out of the hostipal and not supposed to be under any XXXX. 
My husband grab the phone he hung up this is the second they called and got smart. My husband explained to them that I have a XXXX and their respond was somebody have to pay the bill. If we had the money the bill would be paid nobody like to be harrass

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MS).
Issue: Deposits and withdrawals

Complaint: Wells Fargo Bank employees or employers took {$96000.00} from my bank account on the  same day I made a withdrawal at the bank. I have proof of this fraudulent activity. This had to be an inside job stealing from customers. The signature of the withdrawal slip does not match my handwriting. I noticed the deduction of {$96000.00} from my account when I checked my balance. I contacted the bank. Filed a report with the bank about the missing money. But as of today, I have not recieved my money. An unauthorized transaction was made on my account and the bank did nothing about 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 explanation
Consumer complaint received 07/19/2016 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: To Whom it May Concern : On or around XXXX XXXX, 2016, I contacted Rushcard Prepaid Debit Card Services to report my prepaid debit card lost ( in addition to losing my Rushcard Prepaid Card, I lost my photo id which I told the police officer about ). On or around XXXX XXXX, 2016, I submitted a dispute in writing to Rushcard Prepaid Debit Card Services for XXXX unauthorized charges including one for {$480.00} at the XXXX XXXX. On or around XXXX XXXX, 2016 Rushcard Prepaid Debit Card Services granted me a credit for XXXX out of the XXXX unauthorized charges. But on or around, XXXX XXXX, 2016, Rushcard Prepaid Debit Card Services denied my claim for the last and final ( XXXX ) disputed unauthorized transaction of {$480.00} at the XXXX XXXX, stating that no Error occurred which is inaccurate as I did not authorize that charge.i would like Rushcard Prepaid Debit Card Services to refund me {$480.00} immediately before I file an arbitration complaint against them pursuant to the cardholder agreement. My name is XXXX XXXX and I can be reached at XXXX. I look forward to Rushcard 's kind and prompt phone call. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (AL).
Issue: Loan modification,collection,foreclosure

Complaint: This complaint is related to a previous complaint which was prematurely closed by Chase Mortgage ( CFPB # XXXX. ) Since the filing of the above referenced complaint, communication from Chase has completely stopped. After filing the previous complaint I was advised by XXXX XXXX in the Chase Executive office to submit a settlement offer to them and that is all they would need. XXXX XXXX sent me a XXXX envelope on or around XXXX/XXXX/15 and the settlement letter requested was returned to XXXX via XXXX two business days later and would have been received before XXXX/XXXX/15. XXXX XXXX contacted me to advise they had receive my settlement offer and that they now needed additional paperwork. I was told what additional information was needed. This additional information was sent to Chase via XXXX ( at my own expense after they said it would not be at my expense ) and was received by XXXX XXXX in the XXXX, Co. mailroom on XXXX/XXXX/15. Since receipt for this information by Chase there has been no one assigned to handle my case and no communication from Chase. I have attempted on several occasions to contact XXXX XXXX. I have never been able to get her to answer her phone and have left numerous voicemails, none of which have been returned. 
Chase sent a letter to the CFPB indicating that I had not submitted the requested information to them by their self imposed XXXX/XXXX/15 deadline and my case was therefore closed. First of all, Chase has blatantly misrepresented the facts of this case/complaint. They have all the information they have requested but no one from Chase has made any attempt to contact me. I initially contacted Chase in a good faith effort to attempt to settle this loan I am unable to pay before it goes into foreclosure. This issue has been ongoing now for approximately XXXX months and I would like for Chase to address this asap!

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Debt collection (Payday loan) with Midwest Recovery Systems (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a debit that was included in my chapter XXXX BK, almost two years letter this item showed on my credit reports under collection status for Midwest Recovery Systems. This dropped my credit score XXXX points. I called them and they said their client had n't informed them that it was included in BK, but the damage had already been done. It took them 30 days to remove this incorrectly put item on my credit reports. Its still showing up on my XXXX. I thought this was against the law for them to do that since I am protected by BK laws. They should be fined for this. I should sue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: this company has accounts that has been close on my account and some these accounts dont even have the merchant name or contact information. I want these accounts remove from my credit. I ca n't get a good job with these stuff on my credit. In addition some of these accounts have been solve by the merchants to this XXXX collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: My original complaint was submitted in XX/XX/XXXX. Equifax, after taking an additional 30 days to investigate, did nothing to resolve the dispute regarding a fraudulent account with XXXX XXXX XXXX. It was reported with several different addresses for this one account, which I never lived. 

I have been denied credit and housing because of this negative item as previously complained in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Trouble during payment process

Complaint: My loan was originated with XXXX. In XXXX or XXXX of XXXX, my loan was sold to Nationstar XXXX who recently changed their name to XXXX XXXX XXXX. Leading up to the transfer, both XXXX and Nationstar assured me that there would be no changes to my loan terms. 

To make a long story short, Nationstar increased my monthly payment without telling me. I never received a phone call, email or written correspondence as to why this occurred. Since my loan transfer, approx. 5 months now, I had been making the same monthly payment I was making to XXXX, but to Nationstar. Unbeknownst to me, since the payment went up, they were holding my payment in unapplied funds and not crediting my actual mortgage payment to the principal and interest. Again, I never heard from Nationstar about my " late '' mortgage payments. 

Upon discovering this, I was told that the payment went up because they did an escrow analysis and unlike most lenders, require a 2 month cushion. Again, that would be ok if this was told to me had I not discovered this on my own, many months later. I was told if I made a large payment straight to escrow, an escrow analysis could be run which would bring my monthly payment down. 

I have called trying to confirm the correct funds were applied to the escrow account, get an escrow analysis run and a new lower payment obtained. I am on the phone with Nationstar for propably the XXXX time in a few weeks trying to get this resolved. We 'll see what happens.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: We purchased a townhouse in XX/XX/XXXX. I could not pay down-payment 20 % to avoid PMI but paid 15 %. After the purchase, we renovated Kitchen and bath and asked the mortgage company Chase to remove PMI by re-appraising the townhouse. They said we need to have 80 % or less of LTV or at least {$310000.00} for the appraisal. I submitted the request form, and later, one appraiser came home and evaluated it as {$320000.00} ; however, Chase did not cancel the PMI with a reason they did not give us, which was it requires LTV 75 %. All of sudden, they changed the requirement. Based on another mortgage professional, he told me Chase may violate the Homeonwer 's protection act. This is the reason I submit this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2016 about Debt collection (Auto) with Byrider Franchising, LLC (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This account has been disputed and it was removed from XXXX but not XXXX and XXXX. Please have removed from XXXX and XXXX also

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Credit card () with U.S. BANCORP (WI).
Issue: Advertising and marketing

Complaint: My Visa credit card Account # XXXX. US Bank advertised {$60.00} annual fee for a credit card with a benefit of second night free on any reward. They still charge the fee and refuse to return it, but discontinued the benefit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: the refuse to continue to investigate my dispute. I have requested them to provide me with the individual who validated or denied my request along with evidence to support my dispute. I have attached a copy of the last letter I sent with todays date on 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 explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: XXXX XXXX XXXX XXXX has put many debts ( 8 on XXXX alone ) on all my credit reports. In XXXX, I sent a request for a verification of debt and XXXX XXXX XXXX XXXX did not respond and continues to report multiple errors to all credit reporting agencies. Per FCRA, since they did not verify they debt, they should not be reporting errors to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
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: This is my old complaint #  XXXX  which is closed.   Bank of America has made wrong decision based on my past affiliation with my last employer and my old friends in   XXXX   XXXX  . I left my past emplo yer (   XXXX   XXXX   XXXX   ) i n  XXXX   XXXX  because company had financial and legal problems.   I le ft USA on   XXXX   XXXX ,  XXXX  and came back  XXXX   XXXX ,  XXXX  to  XXXX . ( I have given profs of me not being in  USA )  Since  XXXX   XXXX ,  XXXX  I have no contact with anyone in   XXXX   XXXX   nor I have been to   XXXX   XXXX  . Someone from my old addres s (   XXXX   ) got hold of my credit cards coming in mail and used them illegally without my knowledge. Therefore I 'm not responsible for the charges on my closed credit cards accounts.    Please help me to resolve this problem. I 'm having lots of problem because my credit report is very bad because of this.   Thank you very much.

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 05/23/2015 about Debt collection (Medical) with Financial Corporation of America (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Although XXXX 's Hospital of Texas acknowledged receipt of my request that my dispute of their bill is under review, their collection agency, Financial Corporation of America, has sent me a bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech ( they are really still Greentree, XXXX rebranding should not work! ) has not sent me confirmation of my XX/XX/XXXX payment, sent XXXX/XXXX/16 via my Bank 's Bill Pay System. I made this payment early since I knew Ditech is " upgrading '' their website starting XX/XX/XXXX ; it will be down until XXXX XXXX! I have no way of knowing if Ditech got this payment, and they do not respond to emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with N.A.R., Inc. (KS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I would like to make a complaint on XXXX XXXX XXXX with an address of XXXX XXXX XXXX XXXX  XXXX NY XXXX and an alleged balance of {$1700.00}. This account violates K.S.A. 60-512 ( 1 ) and FCRA Section 605 ( c ) Re-aging the account. This account was closed on the date of XX/XX/XXXX and the five years of statutes of limitations for reporting a balance has past in Kansas on XX/XX/XXXX and they are failing to report it accurately with a balance of XXXX. They are also have a debt collection agency called N.A.R try to collect the debt as well. This account needs deleted under title 15 u.s.c. 1681 ( i ) and they have violated the FCRA and FDCPA according to the following codes. 
1. FCRA Section 605 ( c ) Running of the reporting period and re-aging the account by re-aging the account by reporting negative information on the account longer and this is a fine of {$1000.00}. 
2. Creditors if they report your credit history inaccurately and the fine is extent of damages incurred by the wronged party as deemed by the courts. US Court of appeals, XXXX  circuit, NO. XXXX, XXXX vs. XXXX XXXX. 
3. XXXX XXXX also violated Protection under the FDCPA because misrepresentations by the collector about themselves or the debt are actionable regardless of intent and the following case law of XXXX v. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX F.Supp. XXXX, XXXX ( XXXX XXXX XXXX ) support this. This is also a fine of {$1000.00}. 
4. XXXX XXXX  also violated FDCPA Section 809 ( b ) because they have never validated the debt I have disputed after the date of XX/XX/XXXX and this is a fine of {$1000.00}. 
6. XXXX XXXX also violated FDCPA Section 806 because the collection agency can not use any kind of harassment or abuse and he has abused me and my credit by reporting negative and inaccurate information on my credit report and this is also another {$1000.00} fine.

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