milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2017 about Debt collection (Payday loan debt) with Advance America, Cash Advance Centers, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX  and XXXX ( XXXX XXXX ), XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX ), XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX, several Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX Account. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX Account. 

My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts and XXXX XXXX account that made payments on these alleged accounts was opened and funded fraudulently.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (WY).
Issue: Closing on a mortgage

Complaint: Contacted Champion Mortage about closing and payoff for home as of XX/XX/XXXX. I have not received any information from then to this date.We need to sell this house because no longer residing there. Champion Mortage seem to be blowing us off with the final pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, my name is XXXX XXXX. I 've been trying to get a loan modification from XXXX XXXX XXXX since XXXX/XXXX/XXXX. I just today ( XXXX/XXXX/XXXX ) have been notified of XXXX XXXX XXXX selling my loan to a company called Shellpoint Mortgage on XXXX XXXX, XXXX. I have not received any letters of this transfer and had no knowledge previously. I called them today and they told me that the loan was just today sent over to a loan modification specialist for review. They had 14 days to do that already and they have not done so until i called them. Also they are saying that there is a foreclosure sale date scheduled on my home for XXXX XXXX, XXXX. They said that they do not have to file/ record a new Notice of Default and Notice of Trustee Sale and the sale will stay the same from the old servicer. So essentially I only have Monday to get any documents in to Shellpoint mortgage to finalize the review for a potential sale postponement. The servicer is not giving me a chance to apply and be reviewed for a loan modification.I only have ONE day to do anything for my loan modification. I did not even have a single point of contact assigned before today 's date so that they could review my loan modification. How is this company operating. 
This company is so violating right of mine. 
California Homeowner Bill of Rights. 
" CALIFORNIA HOMEOWNER BILL OF RIGHTS The California Homeowner Bill of Rights became law on XXXX XXXX, XXXX to ensure fair lending and borrowing practices for California homeowners. 
The laws are designed to guarantee basic fairness and transparency for homeowners in the foreclosure process. Key provisions include : see : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ad Astra Recovery Services Inc (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Ad astra is reported incorrect information on my account i dont owe them any money and they refuse to remove from credit report. They refuse to provide proof

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Trouble during payment process

Complaint: Since XX/XX/XXXX, I have struggled with Ocwen changing the terms of my loan so that they were taking money from my escrow account. They force-placed home insurance on the property even though I had my own homeowner 's policy in effect with XXXX XXXX. I have called so many times that I can not tell you how many times. I have paid to meet with an attorney about this. I wrote several letters to Ocwen and I called Ocwen several times. Everyone I spoke with at Ocwen was very aggressive. I now have a homeowner 's policy with XXXX XXXX XXXX XXXX XXXX XXXX. I never had my home insurance lapse. Yet Ocwen billed {$590.00} per year to the escrow. I have also paid my own property tax in XX/XX/XXXX and yet Ocwen paid the taxes from escrow. My entire experience has been a nightmare.

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 08/21/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Struggling to pay mortgage

Complaint: Property : XXXX XXXX XXXX XXXX XXXX, WA. XXXX Owner : XXXX XXXX To Whom This May Concern ; This short sale transaction has been closed out once again through the Equator. We 've been trying to work on this now since XX/XX/XXXX. They keep closing it out because the investor is supposedly declining it. The seller had received a letter from Bank of America back in XX/XX/XXXX ( please see attached ) stating if she participated in the short sale process she would be eligible for $ XXXX for her corporation to be able to relocate.
I feel that the letter received from Bank of America to our mutual client should be honored as it states on the letter. It does not state only if she qualified for the program or if the investor approved the short sale. It was very misleading.
Also their is now a foreclosure sale date set on the property for XX/XX/XXXX.
Please help us help our client avoid foreclosure. She has tried to do everything possible to avoid foreclosure, along with trying to complete a modification which she was denied of to.
We all believe that it 's not right to not honor the letter she had received informing her she was able to proceed with the short sale of the home and to be able to receive the incentive that was offered for her to participate in the program with Bank of America. The buyers we have are still interested in purchasing this home and the offer received is a fair market offer on the property in questioned.
Please advise as to what can be done about this.

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 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Pre viously deleted items where added back onto my credit report without prior written notification. Per FRCA Section 666, all items must be removed.

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 06-06-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (MS).
Issue: Struggling to pay mortgage

Complaint: I have a home equity line of credit through Wells Fargo Bank. I got behind on my payments due to an imposed retirement from my job after 29-1/2 years. I am really surprised at how aggressive Wells Fargo  has been considering that they are a second lien ( I have a primary mortgage with  XXXX   XXXX   )  on a house that realtors tells us is already " underwater '', that is we already owe more on the house than what it 's worth on the market.  <P/> On  XXXX   XXXX  , 2017, Wells Fargo had  Substitute Trustee Sale of the property for $  XXXX . This is only a fraction of what the property is worth. We tried to p ay Wells Fargo our  delinquent payments, but they refused to accept.  <P/> There is something seriously predatory about this practice!

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 04-02-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: When I had my checkbook stolen in 2016, I opened a new account with Bank of America and was pushed into opening a Business Checking Account that was inappropriate for my needs. I informed the representative who opened that account that I would be transitioning back into " XXXX-status '' and still the representative advised that I open a Business Checking Account with the bank. I had the account for approximately two years, and late fees began to accumulate on the account. When student loans were deposited in my Savings account, BofA transferred at least {$1200.00} from my Savings to cover the ridiculous late fees. The bank literally stole money without my permission from my Savings to cover {$1200.00} in late fees. They also refused to refund any of the fees when I complained to a branch representative about the issue. I would like help in addressing this and receiving a refund.

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The events started with the Equifax security breach ( XXXX ). 

At this time, no money has been stolen but there have been attempts to breach my, and my families accounts since this date. The most recent, XXXX, was an attempted breach on our XXXX account which was caught by their two step authentication process.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Debt collection (I do not know) with WORLD ACCEPTANCE CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was reviewing my credit bureau reports and noticed many inaccuracies and items that I did not recognize. I disputed this is reporting negatively to my bureaus on multiple occasions. The last time was XX/XX/2017. I have made numerous request for them to provide documentation ( i.e contract or agreement of obligation to pay ) with my signature validating that this debt belongs to me. They have refused to provide documentation verifying the debt that they are trying to collect is mine. I have given them more than 30 days to get back to me. This creditor refuses to validate this debt, and is continuing to negatively report me to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Debt collection (I do not know) with CCS Financial Services, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Someone stole my personal information these debt collectors are trying to collect {$660.00} say I have a bill in my name that I am unaware of

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I have a thirty year fixed mortgage with Shellpoint. XX/XX/2015, mortgage payment increased from XXXX to XXXX. Payment was increased due to increase in escrow amount. When I refinanced the loan I was given the option of palcing any increased escrow amount to the back end of the loan.That is how I wanted the icrease in escrow to be addressed.They are also charging a XXXX service fee for processing my payment through XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint: I have been able to work out the problem for me in this instance, but it is a serious enough issue I want to alert the CFPB. Elan Financial Services sent me a promotional offer through the branded name of St. Mary 's Credit Union. The offer included many details ( mostly mandated by law ) such as apr, use by date, interest, etc. What it failed to disclose is that these can only be drawn on up to 92 % of available balance. I calculated the transfer amount plus transfer fee to be within the available balance with a small it of leeway. I did n't take into account the 92 % rule, because I did n't know about it. When I spoke to them, they said it is disclosed in my CREDIT CARD terms and conditions. It is n't even on the fine print of the offer. Of course banks know that most people do n't read the T & C much less remember such details. Why would the not indicate this on the offer? I have no idea, but if I had n't caught it, I would have bounced other checks that this transfer was to cover. This rule is fine, but it MUST be clearly included in the terms of the offer.

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 05/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The account was discharged from my account XXXX 2011 please removed from my credit 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 07-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I have tried for 4 times to request a loan modification with XXXX XXXX XXXX, XXXX XXXX and 2 times with Select Portfolio Servicing and have been unsuccessful since 2009. I 've tried to resolve this matter and I beg for you for a fresh start and a mortgage payment that is affordable so we can continue to live the american dream to own your own home. I feel that the Mortgage companies have discouraged me to continue to fight to resolve this matter and have been difficult to deal with because no resolution has ever become of the 4 attempts of my loan modification. I am now at my wits end and do n't know what else to do to save my house. Please help me to resolve this issue with a loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The Experian credit report says I have a delinquency in 2012 on my student loan. This is a mistake because I have never been without a deferment. 
Furthermore I am in my third and final year of the forgiveness process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Billing disputes

Complaint: My Capital One platinum debit card was expired in XXXX XXXX, since then I have not received a new credit card. I have talked with them about sending me a new card and it had not arrived. 
In XXXX XXXX, I went to California and my wallet was stolen, so even though the card was expired, I called them to re assure myself and reported a lost/ stolen card. They re assured me they would send out a new card with a new account number. 
In XXXX XXXX, I have not received a new card, but paid my full balance and waited for a new card. 
They have called me last month and stated I have a new balance due on the existing card that was expired and had no authorization from me, especially since I did not receive a bill statement or a new card. This was billed to me account from XXXX XXXX till XXXX XXXX. 
I explained to the company and they did not have a problem the first time I called and stated that it was their mistake and I would be sent a new card. 
Today XXXX/XXXX/XXXX, I had an hour and a half call with them going through the same process and holding me responsible for charges, I never authorized, especially since in XXXX XXXX, I reported a stolen card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion never verified information. I have alert for Identity theft and they continue reporting same wrong accounts, balance. Accounts never charge off, was paid and I sent long time ago proof to fix in my credit and continue reporting. accounts was deleted was inserted again. Accounts not belong on my name. They sharing with other companies like leasing companies XXXX, etc old information and accounts with more 7 yrs and include in bankruptcy or the other person name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Medical debt) with Midwest Recovery Systems (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Midwest Recovery Systems of XXXX, Missouri has reported a medical debt owed of {$940.00} to credit bureaus. They claim that the debt originated from an emergency room visit at XXXX Hospital, XXXX, Arkansas, in XX/XX/XXXX. The collections account hit my credit report in XX/XX/XXXX. They gave the name of the doctor, XXXX XXXX XXXX, employed by XXXX XXXX XXXX XXXX XXXX, XXXX. I have contacted both XXXX Hospital and XXXX XXXX XXXX directly. Neither entity has any record of me visiting the emergency room in XX/XX/XXXX or of ever seeing that particular doctor. Both confirmed that I have XXXX outstanding balance. XXXX Hospital provided me with a signed statement on hospital letterhead confirming that the last time I was seen by the hospital was XX/XX/XXXX, and that I had no balance owed. Midwest Recovery Systems continues to claim that the burden of proof is on me to prove to them that I do n't owe this debt. I have requested written validation of the debt which they claim to have but have not provided yet. This negative hit to my credit report has caused me to lose eligibility for a student loan refinancing promotion that would have saved me {$7600.00} over seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Unknown account listed I have disputed with no outcome please assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Using a debit or ATM card

Complaint: I reported in XX/XX/XXXX against a furniture store to Bank of America and XXXX XXXX that the furniture store would not accept a return I asked for reporting the item was defective and fraud. I was assured that the charges would be reversed under such conditions.. A banking representative indicated all she needed was a statement in order to reverse charges for a refund, which I did. I made several attempts to return a Mattress, several phone calls, etc. I am requesting my funds to be reversed back in my checking account. The bank indicated too much time has lapsed when I reported this issue in a timely manner. 
As a consequence, the merchant had every excuse not to return the Mattress. 
A Banking representative even contacted XXXX XXXX and everyone at the store indicated that he or she can not speak English. However, on the contrary ; the furniture store ; in particular wrote in English and XXXX who answered the phone wrote the order. 
Recently as of yesterday ; the bank stated that my charges could not be reversed due to a time-lapse. I wrote all my statements and provided information in a timely manner to Bank Of America. Bank of America has insurance for such claims. Bank of America reversed the charges from my checking account in the amount of {$580.00}. 
This has been going on for seven months, and this claim should have been resolved. 
The Merchant even indicated to the Bank that I am enjoying the mattress ; which I never used and welcome the opportunity even today for XXXX XXXX to pick up the Mattress. 
I contacted the Merchant immediately after receipt of this Mattress, and the merchant was very uncooperative, and I could not even speak to a representative which is unethical business practice and fraud.

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