milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within XXXX ( XXXX ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Mortgage (Other mortgage) with CITIBANK, N.A. (IA).
Issue: Application, originator, mortgage broker

Complaint: We applied for a loan modification due to financial hardship/job loss for first and second mortgage from Citi. We got approved for the modification. Continuing to receive paperwork on almost a daily basis, we did n't want to mess up the modification and had paperwork demanding past due on the main mortgage we were able to send in a payment but it was n't part of the modification payment, our original loan specialist advised us to ignore that and stick to the modification to not jeopardize the trial period. Because of this, we were led to believe we should not pay on the second loan while in this period. We followed what was required on the main loan and when we asked about the second, we were told to wait. The homeowner support specialist we had been working with was abruptly changed during this time, so we did wait until Citi told us they sold the second loan to a collection agency. When we tried to call Citi and set the payments up we were told that there was nothing they could do, Citi would not service the second loan and that it would be treated like an unsecured loan, not a second mortgage so we were not in danger of foreclosure. Now we are getting notices demanding payment in full and occasionally offers to pay half of it to satisfy the debt.

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 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 QUESTION IS WHY A COMPANY THAT SUBMITS CREDIT INFORMATION (AND HAS A RIGHT TO DO THAT) AND FINDS THE ISSUE WAS RESOLVED DOES NOT HAVE THE ABILITY TO HAVE THAT CORRECTED SO ONES FICA SCORE CAN BE CORRECTED (AT LEAST BACK TO WHERE IS WAS WHEN THE ORIGINALLY REPORTED THEIR ISSUE?
This makes no sense, being they cannot do that could cost a consumer a loan or a higher interest rate because of something that is incorrect.
Not fair, common sense would suggest that is a report is received and proper resolution is found due to a mistake or judgment error...whatever, they should have the ability to go in and correct the FICA score and according to XXXX, they are not allow to do that.

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 09/24/2015 about Debt collection (Auto) with Nations Recovery Center (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: called my office phone left voice mail XXXX/XXXX/15. 
I asked them to send letter in the mail not call my office. 
They are trying to threaten they will take legal action on a debtthat the statute of limitations has expired 3 years ago. 
They said we do n't care about the law we will collect from youand sue you. I would like to let them know they can not sue mefor the debt bylaw or report it to XXXX, XXXX, XXXX. 
I know my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Amsher Collection Services, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX amesher XXXX XXXX with all major bureau in violation police reported with ID theft gov violation of my rights!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MT).
Issue: Application, originator, mortgage broker

Complaint: 1. XX/XX/XXXX, I received a check in the mail from Wells Fargo for {$500.00} with a form letter stating that I had been charged " too early '' and they were now refunding me {$500.00}. 

2. I wrote and asked them for more information on the charge of {$500.00} - the date, what it was for, and whether or not they had applied interest in calculating the {$500.00}. 

3. I received an answer dated XX/XX/XXXX ( which I will try to attach ) stating that the charge dated from XX/XX/XXXX ( almost 5 years prior ), and was for a rate-lock fee on a mortgage ( which I was later denied -- I was trying to re-finance an existing mortgage at that time on a rental property I own ). The letter also states that Wells had not applied any interest, and was just returning me the original charge made of {$500.00}. 

4. Since wells incorrectly charged me {$500.00} five years ago, I believe I should be entitled to interest over those five years. Can CFPB help in this regard? I did call Wells to ask and they just responded that no interest had been applied.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: On X/XX/2017 I accessed Experian to obtain a free credit report in light of the XXXX data breach as my data was included in the hack. After providing the requested personal information and follwing the instructions to create an ID/password, I revieved my report and logged off. 

I then received an email welcoming me to the XXXX XXXX account. Nowhere was I presented with any information stating that I was signing up for a paying membership account. I have attempted to cancel the membership, but the language is so complicated that I have no idea what I canceled. All I know is that I can no longer pull current credit reports! 

This is a problem with all 3 credit monitoring services and should be stopped!

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 12-09-2015 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Billing disputes

Complaint: BARCLAY BANK issued a XXXX XXXX credit card to me and within a few months I received several unauthorized charges. Many calls were made to correct this over a few months. Reassurances were made by many representatives that the charges would be corrected and the account was closed for safety purposes. Yet the charges continued and the calls to Barclays continued. The last correction was for {$49.00}. Two months later I received an email for a late balance all regarding this {$49.00} and interest and multiple late fees. A bill that I was guaranteed had been removed after several more calls. I am refusing to pay this bill and I am not receiving any satisfaction from BARCLAYS BANK to correct this problem. How does a person protect themselves from these issues? This card balance should be XXXX. However ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (MD).
Issue: Trouble during payment process

Complaint: This is proof positive that Wells Fargo and other committed outright fraud. I have attached supporting documents and case law that supports what they did was outright fraud. Please view the assignment dated XX/XX/XXXX. You can see that Wells Fargo created this assignment for XXXX 's. This is not possible because XXXX XXXX XXXX went out of business back in XXXX. If you look at the case law, which is attached you will see that it is not possible. The alleged Assignment of Mortgage which purported to transfer interest in the mortgage to XXXX XXXX as assignee, was invalid because XXXX 's as nominee for XXXX XXXX XXXX had no authority to assign the ownership interest of said mortgage, because XXXX 's was not the owner of the subject mortgage and was only a nominee for XXXX XXXX XXXX, which was a non existent Corporation. Said purported assignment was without authority and therefore invalid. XXXX 's had no ownership interest in the mortgage and was merely named as a nominee for the non-existent corporate mortgagee. Based on the foregoing, Wells Fargo and XXXX XXXX had no standing to bring any actions. Neither had no legal right to attempt to claim ownership of the subject Note and Mortgage, or any right as servicer, for some other unknown entity, and is without any legal basis to attempt to foreclose the subject mortgage, or to collect on the Mortgage Note, because XXXX  XXXX XXXX did not exists after XXXX. The collection of mortgage payments by the Plaintiff and its predecessors in interest, was therefore illegal and they were without any legal right to receive and use or disburse the funds therefrom on behalf of any owner of the Note and Mortgage, or any other party. ( They attempted to foreclose on 3 separate occasions ) Another fraudulent assignment which is dated XX/XX/XXXX is attached. You can see that Wells Fargo created this assignment, but indicated that the assignor and assignee was both XXXX XXXX. How can you assign an assignment to yourself. There is also the issue of material fact as to the assignment dated XX/XX/XXXX, which was recorded in XXXX, well after they initiated a foreclosure. This is well documented fraud and the CFPB needs to take action on this immediately.

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 06-01-2015 about Debt collection (Medical) with Meade & Associates, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have disputed XXXX paid medical accounts listed with Meade and Associates. I requested dates of service, as well as, to whom the services were rendered and never received the information. I 'm attaching the letter I received from Meade, in addition to my XXXX Credit reports showing the dispute and results. Although I paid these, I did so because they told me the debts belonged to me. Upon further review, they do not. Basically, XXXX told me to take it up with the collection agency, so I did and the debts are listed as verified every time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/25/2017 about Mortgage (VA mortgage) with Village Capital & Investment LLC (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My original complaint  XXXX  about VILLAGE CAPITAL & INVESTMENT LLC. I have not been able to connect to my original complaint, but did talk to your CFPB customer service people by phone yesterday and was provided with the info about the response.     I am still not satisfied with the response from  Village Capital. M y issue is that  XXXX   XXXX  provided me with a detailed outline of the process highlighting  10 progra m details.     I provided a copy of  XXXX   XXXX  's notes, as an attachment showing the last bullet item as  " No Credit Check ''. Now there is a second  issue in that  XXXX   XXXX   XXXX  did not provide us with an " authorization '' form before he left, he then sent us an e-mail and asked that we sign the forgotten agreement and e-mail back to him. I did not see any thing stating that we agreed to a credit chec k. One other  issue here is what he presented as far as the relationship to an ARM was that it does n't have the risks associated with an A RM. See Bullet # 5. Ove rall I felt betrayed and lied to by  XXXX   XXXX   XXXX  as the potential risk associated with this ARM program appeared to me to be extremely risky.     I had also told  XXXX   XXXX  before we agreed to anything that I refuse to deal wit h Village Capital & Investment.   XXXX   XXXX  assured me tha t Village Capital wa s just doing the paperwork for   XXXX   XXXX  , but did add that    XXXX   XXXX   typica lly sells their accounts. As the contract I received a week later clearly showed that I was contracting w ith Village Capital, which I adamantly was opposed to.      The last issue is that once I cancelled I was given the names  of Village Capital & Investment  people to contact to resolve this issue. I called both and have yet to hear from either person. This i s one of the iss ues that prompted me to file a complaint, as well as horrible customer service and providing faulty and deceitful information.     The individuals that I was told to contact by  XXXX   XXXX   ( GA Mgr. )   with    XXXX   XXXX   are ;  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Now I would appreciate you following up with me because I will continue to pursue this until I am satisfied tha t Village Capital & Investment removes their Hard Inquiry off of my, and my wife 's Credit Bureau Report. The  credit Bureau  ( s ) assured m e that you could remove the hard inquires, therefore I expect you to execute that demand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: This is a COMPLAINT AGAINST WELLS FARGO AND THE UNDERHANDED NATURE THEY HAVE CARRIED ON IN REGARDS TO MY MOTHERS ESTATE, THIS IS WHAT wells fargo is in violation of regualion z as follows failure to recognize heir to the estate of XXXX XXXX XXXX, wells fargo has refused to place my on the mortgageAND ALLOW ME TO MAKE MORTGAGE PAYMENTS for over XXXX causing the mortgage fall behind XXXX XXXX good in a recorded conversation can be heard saying that regulation z doeS not apply that i need to modify the loan are get a refinance which is not what regulation z says i am at prestent time being forced to jump through hoops for a modification submitting the same information over and over.At no time did wells fargo contact me or inform me of opt that were available. For XXXX years they have steadfastly held that they didnt know nothing about regulation z constantly telling me i was behind on the mortgage and either a modification or refinance had be done or foreclosure. Yes the mortgage is behind because of their unfair racist discrimination practices, I want wells fargo to furnish any material they have showing that they reached out to the heir and offered the opportunity to go on the loan they ca n't. If CFPB HAS ANY BACKBONE THEY WILL PUT AND END TO THE LIE OF THIS RACIST BUSINESS PRACTICE. WHAT I 'VE CONSTANTLY ASKE WAS TO BE PLACED ON THE LOAN WITH OUT ALL LIES AND DENYING THAT REGULATION Z EXISTED PLEASE HAVE WELLS FARGO PROVIDE PROOF OF THEIR COOPERATION THERE IS NON THEIR INTENTION HAS BEEN TO DRIVE THIS HOME INTO FORECLOSURE AND STEAL MY PROPERTY THE EDVIDENCE FROM COURT TRANSCRIPT SAYS SPEAKING UNDER OATH WELLS FARGO ATTORNEY SAID NOTHING COULD BE DONE OBJECTED TO THE COURT TAKING JUDICIAL NOTICE OF THE CFPB AND OR REGULATION Z, i AM THE HEIR TO THE ESTATE OF XXXX XXXX AND HAVE BEEN DENIED ANY OPPORTUNITY TO MAKE PAYMENT WITHOUT BEING SUBJECT LIES.,.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Can you please take off anything negative on my credit report from 2010 and older. I want to try and clean up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Debt collection (Credit card) with Blitt and Gaines, P.C. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received an email from my employer on XXXX/XXXX/XXXX advising I had a garnishment processed on my paycheck. 

Was given phone # XXXX to call Blitts and Gaines and reference case # : XXXX. 

When I called a XXXX answered the phone and denied any request to not be recorded. Advised my mother was served my summon on XXXX/XXXX/XXXX, I advised I am not my mother. Then I was told I called in on XXXX/XXXX/XXXX but I did not. 

I asked for ownership of the debt to be mailed to me and stated I feel that my rights were violated because I do not understand how I can be garnished when I never had the chance to dispute said debt. 

When I asked what documents would be mailed to me, rep XXXX and Supervisor XXXX XXXX informed me they do not know and were not required to know what I am suppose to receive and would not provide me with the name of the regulatory agency I should follow up with if I feel that my rights were violated. 

If this debt is valid I want to make good on the debt and I want to keep misinformation from hitting my credit report. At this time I feel powerless because they already have garnishment withholding order in to my employer. 

I advised that if I do not receive the documents I will be at their office to request paperwork in person. 

They said they had me on recording acknowledging the debt but refused to provide any copy of the recording or to play the recording on the phone. 

Please help me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NC).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: OnXX/XX/XXXX, I called XXXX customer service regarding to an issue with airline fee credit and membership fee refund. They opened an investigation with reference number XXXX. I talked to XXXX whose employee ID is XXXX, he promised to call me on XX/XX/XXXXto let me know the investigation results. I got nothing from him on the XXXX, so I called on XXXX and was transferred to his voice mailbox. I left a voice message and asked him to call me back but got no response from him since then.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX have violated the Homeowner bill or Rights in its foreclosure proceeding on a loan that I have inherited and have extended myself to Ocwen to find a viable solution. Without Properly foreclosing on the home XXXX and its affiliates have Broken into my home taken my personal belongings and changed my locks. 

Ocwen was notified on XXXX XXXX 2015 that I gained ownership of home by foreclosing on a XXXX XXXX deed by following proper procedure of foreclosure laws for non-payment of prior owner. I also had to evict them and fight off a frivolous lawsuit. At the same time I applied to Ocwen to get some type of short payoff on existing XXXX loan that I inherited during takin of ownership that was taken out by prior owners. In the process of negotiations they have violated my rights. 

1. As Ocwen and its service providers have broken into my home changed locks and have stolen personal property including material and tools for the pending construction. Estimated value of materials $ XXXX {$5700.00}. ( blatant violation of my rights ) 2. During the process of contacting Ocwen I have left voicemails and emails sent to contact in XXXX which I have encountered language barrier and script reading that besides denying a shot payoff request once has not provided any other alternative of resolving my inherited issue ( Runaround and failure to provide Notification of Foreclosure Alternatives ) 3. the Notice Of Trustee 's Sale recorded XXXX is not against current owner and this is enforcement of Prior owner without proper notice to current owner that Ocwen will peruse the foreclosure ( Restriction against Dual Tracking ) 4. I feel that Ocwen has not implemented regulations set by XXXX XXXX and enforced by CFPB to protect homeowners like me and is not offering ( Fair review Process ). 
I ask that that the notice of sale dated XXXX XXXX 2015 to be postponed immediately and a Representative of Ocwen that has authority to negotiate from the Unites state contact me so I can understand my option and also explain myself properly. Ocwen has blatantly walked over the Homeowners bill of Rights in their handling of this process and I firmly believe this is an every day occurrence in their dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Student loan (Non-federal student loan) with ACS Education Services (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: For the past year I have been trying to negotiate an affordable student loan payment on my private loans. However, ACS refuses to work with me and my payment amount keeps rising. My only option was to consolidate my federal loans to get more deferment since I could not afford to pay both private and federal loans at the same time ( {$900.00} and $ 600/month ). As a result I ca n't participate in IBR for my federal loan. My firm just did a massive layoff and now my only income is unemployment. ACS will only grant one month of forbearance and will not lower my $ 900 monthly payment. 
I do not want to default, but ca n't afford the montly payment. Many of the jobs that I am applying to require good credit so I may not be able to find employment once my loans go into default status.

Company response to consumer: Closed with explanation