milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-02-2017 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Trouble during payment process

Complaint: I just need  3 mo re days in order to pay in full. I have a sells closing date of  XXXX / XXXX /  XXXX   and  Wells Fargo i s trying to auction my home today.     My daughter 's boyfriend/fiance has financed my home ...      Wells Fargo w ill be paid in full ... every single penny owed ...     I spoke with     XXXX   XXXX     at  Wells Fargo  and I faxed her all the documents she said she asked ...     I also did everything that their attorneys at      XXXX   XXXX   XXXX      asked ... I spoke to  XXXX  ...     My mother had a reverse mortgage and I could n't get approved ... I tried, but I do n't make enough ...     I just need until  XXXX / XXXX /  XXXX   to close and they will be paid in full that same day ...     Please I 'm not working and I 'm too young for retirement ...

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 06/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Jim Bottin Enterprises, Inc (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX claiming I owe a past due amount from 2010 for a XXXX XXXX sports club I never enrolled or attended. XXXX XXXX is now owned by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I asked for a copy of the agreement or contract that has my signature on it that authorizes the bank to collect this debt. Under the FDCPA I have the right to have my alleged debt validated. They did not provide me with that information and it has been over 45 days or more. This Debt is not mine and should be removed from my credit.

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 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: I have previously submitted several disputes regarding XXXX XXXX XXXX account number XXXX**** on my credit report. This account is not accurate and should be deleted from violating FCRA reporting policies and for not complying with XXXX XXXX standards which is required by the XXXX. This account does n't even have an Address Identifier Number because it is not accurate and should be off. XXXX and XXXX already deleted this account from my credit report.
Please delete XXXX XXXX from my credit report as my name does not have a y in it. also, delete XXXX XXXX as you spelled my name backwards. I do not want these two names to be confused with someone else.
Please delete the following inaccurate/incorrect addresses : XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX, NY 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 non-monetary relief
Consumer complaint received 08/27/2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I discovered this tradeline on my credit report so I requested validation in accordance of FDCPA and Texas Debt Collection Act onXX/XX/XXXX ( attached ). OnXX/XX/XXXX Caine & Weiner responded ( attached ) but did not provide me with any proof of validation or any proof they are even allowed to collect debt legally in Texas. I have also disputed directly to credit bureaus under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: As stated on the Consumer Financial Protection Bureau website, " Your mortgage lender is the financial institution that loaned you the money. Your mortgage servicer handles the day-to-day tasks of managing your loan. Your loan servicer typically processes your loan payments, responds to borrower inquiries, keeps track of principal and interest paid, manages your escrow account, and may initiate foreclosure if you miss too many loan payments. Your servicer may or may not be the same company that gave you your loan. '' Specifically, we are disputing a ) the identity of a true secured lender. Because of extensive criminal activity and fraud in this arena, we require proof of the chain of secured ownership from the original alleged lender to the alleged current lender. Further, we require proof that you are the entity that has been contracted to work on behalf of the alleged lender. I would also like to state that there is a difference between a LENDER, a SERVICER and an INVESTOR. We are specifically asking WHO THE LENDER is and this is the question that needs to be answered.

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. (AL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax data breach where over 100 million Americans credit info was stolen. Also 3 Equifax managers sold their stock before announcing this information in a clearly illegal case of insider trading.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My complaint is about XXXX XXXX XXXX XXXX XXXX XXXX ( a collection agency ). For about 3 years I 've disputed 2 items they are entering into MOST ALL consumer reporting agencies in the U.S. ; namely the 3 major credit reporting agencies and tenant screening consumer reporting  agencies. The 2 items I 've disputed myself and through an attorney are as follows : 1. XXXX
2. XXXX XXXX XXXX. 

The above items are NOT MINE! Even though they are NOT MINE, I 've proffered an " Offer in Compromise '' in order to remove these items from ; a ). the 3 national consumer credit reporting agencies - XXXX XXXX and XXXX, and b ). from all tenant screening consumer reporting agencies. At this juncture, I 've rescinded any offer in compromise as FCO refuses to remove them. I believe this violates my protections under the FCRA, FDCA, and because it is more than 3 years old and outside the statute of limitations for DC denies me fair access to housing in the District of Columbia. I want the 2 above items REMOVED IMMEDIATELY w/WRITTEN CONFIRMATION from ALL consumer reporting agencies in the U.S.

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 08/29/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (CA).
Issue: Trouble during payment process

Complaint: I verbally accepted the 3rd option via Telephone with chase. The day I accepted the terms was the day I spoke to the representative XXXX. I requested several time that they mail me the terms and conditions. They stated that the document I was holding was a legal document and that nothing else was going to be mailed out. This information should be on the recorded messages, as all call are recorded. 

I began making payments every month on theXX/XX/XXXX. I called it in on theXX/XX/XXXX per our conversation. When I found out that I was not going to be able to modify the loan is when I placed the property up for sale. I tried getting the full balance owed so I can pay off the agreed upon total. The representatives from chase ( Contracted 3rd party ) refuse to take my payment or give me the balance owed with interest. 

What chase did was not right. I made all the payments as per our conversation. I never intended not to keep the property. They were rude and disrespectful. They would insult me various times. They placed a lot of stress on me, even though I told them I was not well they continued to be mean. it come to a point where nobody but the supervisor XXXX XXXX could have contact with me. nobody else was allowed to talk to me. I tried multiple times to escalate this matter to another department but nobody would respond back to me. 

I would understand if I had stopped making payments but I kept my part of the bargain. Chase is the one who retracted on our contract without any notification. They would not accept my payments or get back to me with the balance due. i feel they have shady busines practices.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Capital one spark  business card which I have spent over 500k on and they closed my account because a payment of XXXX was bounced because I put the wrong routing number. 


I feel that I have been a good capital one cardholder and have never bounced any payment and simply made the mistake of putting wrong routing number capital one even called to confirm funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/14/2015 about Debt collection (I do not know) with Harvard Collections, LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have been contacted by " XXXX Collections '' on XXXX occasions within the past 2 weeks regarding a debt that is owed by someone named " XXXX '', who I do not know. I have told this company XXXX already that I do n't know anyone named " XXXX '' and to stop calling me about " XXXX '' debt. The phone number for " XXXX Collections '' is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-09-2017 about Credit card or prepaid card (Store credit card) with STERLING JEWELERS, INC. (MI).
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint: I opened a Jared jewelry credit account on XX/XX/XXXX. At the time Jared required 20 % down on all purchases for a year, I agreed and purchased some items, I called back on XX/XX/XXXX and asked what day would I be able to shop in XX/XX/XXXX without the 20 % down, and this company they have now called XXXX said that I should of never been charged 20 % down in the first place and let her ask her supervisor, so she gets back on the phone and sais, my supervisor said if you have any problems when you go to Jared have them call the authorization dept at XXXX, so I take an hour drive to Jared in  XXXX XXXX XXXX XXXX XXXX Michigan, and the clerk called and told her it ca n't be removed, so I called from the store and got a representative on the line told her I was recording this call for my clarification, and I asked her, to read the notes from my very first phone call to there company on XX/XX/XXXX this is what she said " customer wanted to know if 20 % could be removed spoke to supervisor and told customer it could be removed " I can send you flash drive if you need a copy this is deceptive practices and this report will be forwarded to the federal trade commission.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (I do not know) with Carter-Young, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Carter-young states that I owe XXXX to XXXX XXXX XXXX XXXX When I asked for validation of the debt they sent me paper statement for XXXX XXXX account. They highlighted my " typed '' name signature to the bottom of the page. They put this on my credit report and is ruining my credit report and score. I want this company to remove this derogatory information off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX thought that Experian had removed XXXX credit files from my credit report because I was told that the creditors would remove them, and disputed them also, but they are still there. 
The other XXXX credit bureaus removed them without a problem and I just want them off of my report without having to keep having to deal with such a hassle. 
The accounts are1. XXXX Account # XXXX am typing them how they come up on the report. 
It shows as being opened on XXXX. XXXX XXXX XXXX Account # XXXX shows a date of XX/XX/XXXX and a balance of $ XXXX.-But the date shown is the date I think it was sent to collection because it was many years before that. This was also from either XX/XX/XXXX or XX/XX/XXXXPlease can you assist me with this, thanks so much, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2016 about Debt collection (I do not know) with Viking Client Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am getting repeated calls since XXXX XXXX from this entity calling from XXXX They are ssking for some other person who I do not know. I have had this cell number for many years. I tell them it is not me and to remove me and they continue. I call back and they say it takes two days but now it is numerous harassing calls and they number they leave to call back is this same number but the voicemail is full so they hide behind the fact that you can not leave a voicemail. The first day it happens I did leave a voicemail but now can not. Please prosecute pas this is not me and they continue to harass me. XXXX XXXX is their reference.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (MD).
Issue: Struggling to pay mortgage

Complaint: To Whom it May Concern : In XX/XX/XXXX I requested a home modification with Citimortgage and was granted a modification in the amount {$1200.00}. In XX/XX/XXXX my husband and I filed for bankruptcy and although I was able to make the modified mortgage payment I knew that in XX/XX/XXXX the full rate and term would apply so I again applied for a modification to ensure that I would be on a better path financially and able to keep my home. In XX/XX/XXXX, I was granted a rate and term modification. The rate I believe was 3.5 % and the term granted was a 40yr loan in the amount of {$1800.00}. I began making the three-month trial payments and I signed off on my loan modification documents that were sent to my attorney. I was advised that the modification had to be approved by the bankruptcy court but to continue to make payments. Since XX/XX/XXXX I have been paying the amount agreed upon with Citimortgage. In XX/XX/XXXX, I discovered that the modification had not been approved by Citimortgage in the time requested and that I was now in default. <P/>I was advised by Citi to reapply for a loan modification using the Making Home Affordable application which I did on XX/XX/XXXX. Since that time I have resubmitted the application countless times along with over 85 email submissions with documentation including income, bank statements, explanations of deposits, explanations of income, explanations of condo fees, proof of insurance, tax documents, etc ... Every single time I submitted a document Citi mortgage would request something new. Additionally, Citi Mortgage has provided me with over 10 different Single Point of Contact/Homeowner Specialist. <P/>Today, I spoke to XXXX XXXX, Single Point of Contact for Citimortgage. He informed me that my application for modification had been denied. He stated that the Underwriter was not able to approve me Making Home Affordable application because the program ended in XX/XX/XXXX. I asked him how could that be possible since I have been in this process since XX/XX/XXXX. As recent as XX/XX/XXXX and XX/XX/XXXX I received letters from Citi Mortgage with the Making Homes Affordable application attached. If the program ended in XX/XX/XXXX why would they continue to send me applications after the program deadline? XXXX also stated that the underwriter tried to place my modification through another program and found that I was ineligible for it. <P/>Citi Mortgage gave me the run around for almost two years and it was n't until I threatened to file a claim with CFPB that they moved forward and denied me. It is my feeling that they did this knowing that I would have no recourse and they could step in and foreclose on my home. They are offering me no remedy after asking me to submit hundreds of documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (TX).
Issue: Problems when you are unable to pay

Complaint: This account originated with Wachovia Bank. At some point Well Fargo purchased the account however in the process the account was inadvertently entered twice. I was not even aware any money was owed until I went to apply for a government job and was denied due to this huge error. I contacted them to get it resolved and was informed there was no way they could put the money on the account because there was no place to credit it. A Senior Vice President then created a letter indicating that they considered the account paid in full. I was also able to confirm there was only XXXX account. Since my credit was still reflecting XXXX account the Branch Manager with whom I bank with sent an inter office email trying to show that there was only XXXX account. I thought this issue was resolved but my credit monitoring company sent me an alert that Wells Fargo again changed the balance from XXXX back to {$170.00}. This is getting very frustrating. I have tried numerous times to get this resolved and I continue to get the run around. I have been fighting this for some time. I have spoken to several different people and even received a letter from a Senior Vice President indicating the account was considered paid in full. I have even had my own branch manager try and get this resolved and still there is XXXX accounts reporting and both show balances. This is causing a huge financial issue and employment issue. I do not know where else to turn. This account is extremely old almost to the statue of limitations and it 's still causing many issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-11-2016 about Debt collection (Medical) with Tormey Bewley Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX I was contacted by The Advantage Group claiming I owed a debt ( {$1200.00} ) to the XXXX for when they brought me to the hospital in XXXX XXXX ( after hospital admittance I had my XXXX. I would later return for my XXXX in XXXX XXXX. ) After I received a bill for the ambulance ride, I contacted XXXX and they said they would pay and not to worry about a thing. Imagine my surprise when a year and half later ( XXXX XXXX ) a debt collection company is calling me. I contact XXXX and they said they had sent me a check to pay the XXXX, I told them that I never received a check and that was verified because their accounts showed that the check had NOT been cashed. They said they would cancel the check and send out a new one immediately. Weeks go by and I still have not received a new check. I call and they say do n't worry, it has to go through their finance department and it would be sent out soon. This exchange would continue for a couple more months until finally someone at XXXX tells me the entire check has been cancelled and the MONEY HAS BEEN RETURNED TO YOUR GROUP. The end. They can no longer help me. So I contact the Benefits representative at the company I used to work for, XXXX XXXX ( XXXX XXXX ), XXXX XXXX. I explain the situation to her and she says she will figure it out for me. A week goes by and I hear nothing. I start calling her on a WEEKLY basis trying to get some sort of answer, every time she answers ( when she answers ) she responds with " I have your number, I will call you. '' The last time I talked to her was in XXXX. In the meantime the debt collector informs me that they have reported it to the major credit bureaus and the debt amount is increasing. I verify this information- and sure enough, they have dinged my credit. So I pay the debt, ( now {$1400.00} due to late penalties ) hoping that they will take the report off of my credit as soon as possible. I have been working on my excellent credit for 15 years. There is some sort of LIMBO between XXXX XXXX and XXXX and neither one is budging on refunding my money and correcting the blemish on my credit. What I think happened was XXXX up and did n't realize they had an outstanding check that had not been cashed for over a year, and upon realizing their mistake, they cancelled the entire thing and left me without a way to pay the XXXX. THEY were supposed to pay them- they already had a check ready to go, but for some reason I never received it. And instead of issuing me a new check, they supposedly gave it to my benefits group- to a company that I no longer work for and I have to pay for this debt that IS NOT MINE out of my own pocket and take a credit hit for it.

Company response to consumer: Closed