milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/30/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Loan modification,collection,foreclosure

Complaint: FRAUD : The XXXX Trusts never operated and never received any investments dollars or any startup funds. They exist only on paper. There is a blizzard of paperwork, forged and fabricated assignments, endorsements, backdating, etc. The " pass-through '' characteristics of the XXXX Trust is not operating either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (DC).
Issue: Taking out the loan or lease

Complaint: Hello my name is XXXX XXXX and I was illegally/over charred in price and intrest rate for a XX/XX/XXXX XXXX XXXX from XXXX in which Credit Acceptance Corrporation assist. I was manipulated into putting the car into my name because the original purchaser was denied by the bank and my name was n't. The car went into deep I status and was reported stolen XX/XX/XXXX which was never recovered or sault after in which I told them I wanted them to find the car and remove me from the loan due to non payment and my credit score declining XXXX points. I really think I was discriminated against because of me being a woman with little knowledge of the loan processing. Please help me!! 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: In XXXX XXXX I received a general credit card XXXX not store credit card ) from Nordstrom 's I did neither apply for nor want.

Upon contacting Nordstrom 's and talking to " XXXX '' on XXXX/XXXX/XXXX, I was told that since I " did not opt out by XXXX XXXX, XXXX '' from getting this card in a letter that they claim was mailed to me, this entitled Nordstrom 's to " upgrade me to a XXXX card ''. 

Not only was I traveling on business from XXXX through mid XXXX and had no chance to review my mail until some time after my return, I do not recall getting such a letter. Regardless of whether I did or not, a company should not be entitled to issue a credit cards without my knowing or approval. As the result of this object able practice, an inquiry showed up on my credit report on XXXX/XXXX/XXXX from TD Bank USA/ Nordstrom .

I have built an excellent credit history/ score ( above 800 before this incident ) over decades and carefully monitor my credit. Having this inquiry on my record lowered my credit score by 19 points, not to mention that, had the credit card been lost or stolen, I would never have know because I did not expect it. 

I immediately requested this unauthorized credit card to be closed - along with my Nordstrom 's store card which I would have retained otherwise. This may have further reduced my credit score.

I strongly object to Nordstrom 's deceptive practice without regard for the consumer 's credit record or risk of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: During a mortgage re-fi, I was notified that there was two judgments against me that i did not know about, and was never notified of. " Asset Acceptance '' filed a judgment for {$8000.00} and then when I finally got a hold of the seventh person they sold the debt to, they said it 's really {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Consumer Loan (Vehicle loan) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Shopping for a loan or lease

Complaint: I approved a XXXX Dealership approval for XXXX on my new auto loan. The dealership sent my approval to 4 to 5 other financial institutes without my authorization. My XXXX was calling constantly and my credit report dropped by XXXX points within 2 days. 

I only authorized XXXX. I am asking the other agencies to have the hard inquires removed from all XXXX credit reports, please.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ray Klein, Inc. (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/2016, I paid the full balance owed on a judgment that Ray Klein Inc in XXXX Oregon in the amount of {$630.00} had against myself. We are currently trying to buy a house, so we were paying off debts in order to bring our credit score up. It has been 13 days since the debt has been paid in full and the debt is still not showing that it has been satisfied and is still lingering as unsatisfied with the XXXX County Court System. Calls have been made by my mortgage broker to Ray Klein in order to have this debt removed from my credit report. Nothing has been changed and they have not disclosed when this will be shown as satisfied due to their constant excuses. When they want the debt paid, they harass without any problem, garnish wages, sue people without an attempt at even collecting on the debt, call them relentlessly and even call people at their place of employment. However, when it comes to showing that a debt has been paid in full and is satisfied, call them relentlessly and even call people at their place of employment. However, when it comes to showing that a debt has been paid in full and is satisfied, they drag their feet. The people my mortgage broker and my husband have spoken with know we are currently in the process of purchasing a house and at this point is feels like they are purposefully holding out on showing the debt as satisfied. They also failed to tell us that they had other debts they were holding besides the judgment until we were ready to pay the judgment in full, with the exception of a past medical bill from XXXX. So now we are still paying a debt through this shady company who failed to inform us of further debts owed with a high accrued interest balance. I want this issue corrected in a timely manner, which they have failed to do and feels they are purposefully holding out on.

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
Consumer complaint received 10/30/2015 about Debt collection (I do not know) with Evans Law Associates, P.C. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Evans Law Associates - New York has called every telephone number that is remotely connected to me ; Cell Phone, Landline, my wife, my ex-wife, my work, my Wife 's work. 
In all cases they told to Stop Calling. They will not provide any information about the alleged debt. They have an " F '' rating with the XXXX. They also list several different address 's in New York state. The origin telephone number for their harassing calls is XXXX. In XXXX or XXXX telephone conversations they were rude & uncooperative.

Company response to consumer: Untimely response
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not authorize Wells Fargo on XX/XX/2017 to do a Hard Inquiry on my credit report. I called customer service to dispute the item but the issue has not been resolved.

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 04-01-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen has lost, misplaced, or misposted over XXXX worth of payments from XXXX to present. We have also been charged for a forclosure that never actually occured ( {$14000.00} in fees that were supposed to removed with the XX/XX/XXXX loan modification ). We have provided bank statements on XXXX separate occasions ( and XXXX different escalation specialists ) that provide confirmation that ocewn received and accepted our payments ( however Ocwen states we never made the payments even after we furnished proof that we had ). they are reporting us 90 days behind and we are not, we should actually have {$3000.00} in a suspense account? We have been bounced around for XXXX months to different escalation specialists and there is still no resolution. We need help!

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Our home is in an active Bankruptcy ( BK ) XXXX filed in 2011. Our trustee has made payments to this account for nearly five years. After requesting a loan modification from XXXX, BUT did not accept their terms, and declined this modification. However, Nations Star was ready to approve the modification, although the terms would have placed us in a 40 year loan! Once this modification was rejected, it took several calls and several months before it was removed from our account, which increase our payments to an amount we could not afford. As of today, our trustee has made payments excess of {$60000.00}. 

We have made over 10 calls and have always gotten totally differerent answers and frequent transfers. 
While going into BK, our payment was {$1000.00}. We 've paid our own home owners insurance AND taxes are on a XXXX exemption status. Nationsstar completely disregarded the exemption and sent payments for taxes, although the taxing authority has since returned those funds. We would like Nation Star to return our account to the status of actively making timely payments without an escrow. A posting of payments to our mortgage should be current and up to date, however funds that were paid have not been accounted for and we are requesting a complete investigation and recovery of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I Disputed The following account on my file for XXXX. No validation has been provided to me and other Credit agencies have removed this from my file but Equifax insist they have validated this account but they have not provide me proof and they continue to report this bogus account on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Debt collection (Payday loan) with Debt Recovery Solutions, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt was not mine, was removed years ago after the results of a validation/investigation removed it from all credit reports. Debt collector never sent a notice that the debt would be re-inserted into my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My name is XXXX XXXX, I have been receiving alerts that credit inquiries have been showing up on my credit report which I did not authorize. I believe that I am a victim of identify theft. The following has not been authorized on my Transunion Account : XXXX XXXX -XX/XX/XXXX, XX/XX/XXXXXXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX  XX/XX/XXXX,XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXXXXXX XXXX -XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX - XX/XX/XXXX, XX/XX/XXXXThe Following was not authorized on my XXXX or XXXX account.
XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX -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 09/15/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Struggling to pay mortgage

Complaint: I was told I could not get modification ok.so I was read on XXXX XXXX XXXX web hardest hit funds programs and XXXX XXXX XXXX home equity assistance or and repayment plans of up to 12 months to help catch up on a past due payments and I was not told about this forbearance I can do that all so I did not no they had all these programs I only no about the modification program I found this on XXXX XXXX XXXX web I do n't need my payment to be reduce i can pay that and all so and extra {$500.00} a month to caught up I 'm out of work because I was XXXX by a lady and she was very XXXX and that why I 'm out of work these last four year I ben having not such good luck first I had XXXX XXXX and I beat that thank to XXXX and now XXXX XXXX XXXX XXXX and both of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have XXXX XXXX XXXX XXXX I did not ask for this. all I 'm ask for to be able to pay a full note and {$500.00} extra thank u

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 07/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ARC Management Group, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have never heard of the agency ARC reporting derogatory marks on my credit report and they seem to be a third party and I am filing a NO CONTRACT Dispute. Please investigate as the information reported is false and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (Credit card) with CL HOLDINGS LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Jeffferson Capital has put a discharge on my credit report for a XXXX XXXX that I never had for {$800.00}. I asked them to send me proof of charges and what they sent me are bank charges of {$150.00} per year for a card I never had. This dates back over 7 years ago. There is a court order stating that they can no longer try to collect for XXXX XXXX which I am attaching. Can you please help me get this off my credit report. I have been trying for almost a year and they refuse to work with me. Is it possible for me to get a letter stating this is being removed so that I have written proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Every year I am forced to spend several months getting my mortgage processing co. to acknowledge my insurance. There seems to be a scam that involves them buying insurance and billing me through escrow. The mortgage company must make a lot of money placing these policies. I live in a XXXX. The Association has flood insurance and the agent and policy has not changed. The information is on line. The mortgage company is named on the policy. The agent contacts the mortgage company and I continue to get letters saying I have no insurance. When you call them, there is always a mistake. The information was n't processed, somebody did n't enter the information properly, etc. It seems that they are trying to wear you down and if you do n't have the time or energy to go through XXXX calls waiting on the phone for an hour or so, then they win. My condo agent, the insurance agent and others all are aware of this scam. Other people must be going through this as well. This year, they sent a letter saying I did n't have homeowners insurance even though they pay the policy directly with escrow money. They are polite during the phone calls. They promise to correct the mistake, but it takes three months every year to get them to cancel the policy or enter the correct information. You know that they are counting on a certain number of people who do n't follow up and get scammed.

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 07-11-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XXXX, XXXX, 2016 and again on XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and XXXX request to be investigated have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've called several times and tried on several occasions to submit a dispute online and phone. I never received a confirmation number for my online request. When I called on  XXXX -17, the representative said their is no record of my online complaint there is only a disputed letter from a credit repair company I 'm no longer associated with as of  XXXX -17. My dispute is different from what the credit repair company submitted and it involves  XXXX  accounts which I am not the authorized user. My father and Stepmother have spoke to the credit card companies to ensure my name is not listed as an authorized user and in each case both companies confirmed I am not an authorized user. The confusion comes from me and my dad sharing the same name. The other  XXXX  credit bureaus are reporting this correctly. This is company is not helping me remove these  XXXX  accounts. I spoke to a representative who took my phone dispute and she never provided me a conformation number or she stated I would receive it via email. I 've yet to receive it. I check online, my request is not found. I need help. The  XXXX  accounts in question are  XXXX  ending in  XXXX  and  XXXX  beginning with  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: First off, Pro-Collect used my application supplied to the apartment complex to call my dad ( in XXXX ), which they are not allowed to do. They advised him of my debt and called him so many times he had to block their number. Mind you, he was not co-applicant, he was just listed as a reference. Second, I called to pay my debt and the representatives are rude, disrespectful and condescending. Never in my life have I dealt with people who so unwilling to help. After the fifth phone call I finally was able to speak with a supervisor who was unwilling to remove my debt off my credit report as requested, which I do understand is a courtesy, but I paid my balance in full. When I asked why she said because I said so and that she was hanging up on me. Their tactics and representatives are awful and they should never be allowed to operate.

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 07/27/2015 about Bank account or service (Checking account) with CATHAY BANK (CA).
Issue: Account opening, closing, or management

Complaint: I opened a student checking account at Cathay Bank. They switched my account to a Personal Checking account with a daily minimum balance of {$1000.00} WITHOUT informing me in writing. The only indication that my bank account type has changed is the {$10.00} maintenance fee on my XXXX monthly statement. While their current website says the student checking account is only valid for XXXX years, it does not say, and I was never informed, that my student checking account would be AUTOMATICALLY AND WITHOUT NOTICE changed into a Personal Checking account with a XXXX monthly maintenance fee. Had they informed me, IN WRITING, I would have closed my account and created a new student checking account, as I am still a student. They later told my power of attorney XXXX PoA XXXX that in order to renew a student account, I had to fly back personally, XXXX, to do so, even though my student status is unchanged. 

When my PoA went to the bank, on XXXX, a teller told her only that the {$10.00} maintenance fee was because my new account type had a minimum balance that we did not meet. To rectify this, my representative wrote a check for {$500.00} to Cathay Bank to satisfy it, since she was only told verbally that there was one. No bank personnel advised my PoA that this was a DAILY minimum balance rather than a monthly minimum, and they failed to give us the relevant Bank Account Disclosures for the new Personal Checking account. 

When my PoA returned to close the account on XXXX with an account representative, she was told that we were charged another {$10.00} in XXXX because we were under the {$1000.00} for a few days, which again, nobody informed us was a DAILY minimum. Had they given me the account disclosure materials, in writing, we would have known that this was a DAILY and not a MONTHLY minimum balance before they charged another {$10.00} in maintenance fees. Consequently, because they deducted the second {$10.00} in fees for XXXX, they informed us that we would see another {$10.00} deducted in XXXX because the new {$10.00} they deducted for XXXX officially put my account below the {$1000.00} daily minimum balance again. 

Had they advised us IN WRITING before changing my account type and then given us the Bank Account Disclosures, I would not have been deducted {$30.00} in maintenance fees due to their negligence. One of the agents at the bank, after some time arguing with my PoA, agreed to consider making an internal note waiving one of the {$10.00} fees but " but we will be charged in XXXX as well. '' The staff at Cathay bank refused to let my PoA close our account, claiming that we had a safety deposit box with them, which is neither here nor there, given that we could have removed the safety box.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief