milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY ().
Issue: Loan servicing, payments, escrow account

Complaint: wells fargo bank are lieing cheeting scum, They say they can not contact me? why, ihave lived XXXX all my life and XXXX bank, wachovia bank, wells fargo bank, have my tel no my email address, they served my court documants by email? yhey have had all my details and proof or paymants cashed into mortgage acount paid i have letters from XXXX bank proof paymants were cashed by wells fargo bank, please answer my question why would wells fargo bank telephone XXXX XXXX XXXX and send letters XXXX XXXX when wells fargo sold the property to a third party on the court steps $ then sold within 1 day over $ XXXX more, wells fargo have not put any sale figures in any coresspondance? i request who it was sold to and how mutch, i also request how many houses this person has purchased of wells fargo bank. please also answer my questions no 1 pickapaymant mortgage why was i not compensated $ court order, no2 forced home owners insurance at 3 times the prev amount $ compesation $ court order no3 Fraudulent forclosure $ court order, no4 overcharging removal of funds escrow acount court order no5 predatory lending 50 % home value $ court order no6, FHA insurance {$12.00} XXXX compensation for fraud and perjury supreme court order, no7 no missed paymants acount in credit also escrow in credit $ wells fargo bank also hold a co signed home insurance damage check {$2500.00} for work i had completed theft, no8, the cfpb have all the information yet i have not tecieved any compensation on any of these court compensarion orders, dosant that ring any bells cfpb what are you going to do for me a consumer or i have been deliberatly miss sold a mortgage and request full compensation for the theft of my property XXXX, please answer my questions and stop bluffing and side tracking i want answers thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Credit reporting () with Credit Karma, Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: credit report say 's that I lived at XXXX, XXXX XXXX, XXXX. pa XXXX well that is wrong, I never lived at this address..

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Mortgage (Other mortgage) with Real Time Resolutions, Inc. (UT).
Issue: Application, originator, mortgage broker

Complaint: IN XXXX I HAD TO REFINANCE BY PRIMARY RESIDENCE IN ORDER TO GET MEDICAL CARE IN UTAH! THE TERMS I AGREEDED TO PAY EXTRA FOR WERE AGREED TO BY XXXX AND MY APPLICATION WAS APPROVED BUT HAD TO BE RE-DONE PER THE BANK TERMS! I AGAIN WAS HANDED A BUNDLE OF PAPERS THAT WERE CLIPPED AND RUBBERBANDED WITH " SIGN HERE ARROWS '' AS THE AGENT FLIPPED THRU THE DOCUMENTS HAVING BE SIGN OR INITAL ; I NEVER WAS GIVEN THE OPPORTUNITY TO READ MUCH OF ANYTHING! WHEN I ASKED ABOUT THIS PROCEDURE I WAS INFORMED I WOULD GET A COPY OF ALL DOCUMENTS ARE REQUIRED WHEN THEY WERE PREPARED, PER STATE AND FEDERAL LAWS ( WHICH I HAD GONE THRU SEVEAL TIMES SINCE WE BUILT THIS PROPERTY AND OTHER PURCHASES OF THE PAST ) ; BUT I NEVER RECEIVED ANY COPIES, ALL I GOT WAS A MORTGAGE STATEMENT IN MID XXXX FROM XXXX, WHOM I NEVER HEARD OF TO THAT DATE!?! I CALLED MY AGENT AND HE SAID TO CONTACT XXXX AND LET HIM KNOW WHAT I WAS TOLD ; WHICH WAS XXXX AGREED TO FIX XXXX LOANS BUT NEEDED TO SPEAK WITH MY AGENT SO GOT BACK TO MY AGENT AND GAVE HIM THE NUMBER TO CALL AT XXXX! IT WAS CONTFIRMED AND CW AGAIN ASKED ME TO CONTACT THEM, AT WHICH TIME THEY CONFIRMED THEY WOULD FIX THE LOANS BUT TO GO AHEAD AND MAKE THE PAYMENTS IN GOOD FAITH AS THE PAYMENTS WOULD CHANGE MUCH AND I WOULD GET ANY CREDITS DUE ME! BY XXXX XXXX THE LOANS WERE NOT FIXED AND WE COULD N'T GET CW TO RETURN ANY CONTACT EFFORTS, SO MY AGENT TURNED THE MATTER OVER TO ATTORNEY XXXX XXXX, WHOM INSTRUCTED ME TO STOP MAKING THE PAYMENTS AND SEND HIM {$3000.00} FOR A RETAINER, WHICH I DID!?! THEN XXXX XXXX XXXX TOOK OVER THIS MESS AND OTHER THAN PLACING MY LOANS INTO THEIR " PROBLEM LOANS DEPARTMENT '', AND DUMMING THE XXXX MORTGAGE WITH REAL TIME RESOLUTIONS, INC., DID NOTHING WITH THE LOANS, I CALLED THEM MONTHLY AND JUST GOT THE RUN AROUND! XXXX THEN TURNED THE XXXX MORTGAGE OVER TO SPS ( SELECT XXXX SERVICING, XXXX XXXX WHOM, AFTER MY ATTORNEY XXXX XXXX BAILED OUT AFTER DOING OR ACCOMPLISHING NOTHING FOR ME, I LOCATED XXXX XXXX XXXX XXXX AND HE WORKED OUT A MODIFICATION WITH SPS BUT THE MODIFICATION WITH REAL TIME RESOLUTIONS , INC . TURNED OUT TO BE A SAND-BAGGING WITH A {$30000.00} " BALLOON PAYMENT '' ISSUE I CHALLENGED, AND ASKED FOR ACCOUNTING FOR WHAT IT WAS FOR!?! THEY ALSO TERMINATED THE MODIFICATION BECAUSE I DID N'T TAKE IT BY THEIR DEADLINE, SO NOW WE ARE BACK WITH MY " DISPUTE '' BUT THEY ARE JUST GIVING ME THE ROUND AROUND!

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I sent a letter to Portfolio Recovery requesting that they validate NOT verify a debt that they are trying to collect from me. I specifically asked for a signed agreement and other supporting documentation, They provided me with billing statements which does not prove that I am obligated to pay them anything. They have called me saying they will get a judgment against me if I can not settle the debt. They have reported delinquent information to the credit bureau that I am asking to be deleted as well and to stop all collecting activity.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Debt collection (Medical) with Simon’s Agency, Inc (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX, XXXX To Whom It May Concern : I am filing this complaint against Simon Agency attempting to collect on behalf of XXXX XXXX XXXX, using abusive tactics in soliciting an invalid debt for medical services billed incorrectly to my insurance. The claim was billed under an incorrect XXXX code in an effort to seek higher reimbursement. As a result, instead of a XXXX ( which would have been reimbursed without liability to the policy holder ), the claim was processed as a diagnostic procedure, which resulted in deductible and co-insurance liability to me ( the patient ). 
Also, Simon Agency collected money from me, claiming that I have unpaid co-payments for claims that were paid in full, and for which I have receipts. I disputed the abusive entries in my credit report, which lowered my credit score by at least XXXX points. My dispute letters were rejected and returned unopened to my residence. The abusive calls continued. Due to unbearable stress of watching Simon Agency destroy my credit, I offered to pay the alleged debt, with the condition that it is removed from my credit report. They refused my offer and continued with their abusive practices. 
They demanded payment on fees that were previously paid to XXXX XXXX XXXX, and for which I have printed receipts. Since this medical claim dates XX/XX/XXXX, XXXX is unable to retrieve claims older than 18 months ; it is very hard for me to retrieve the records. However, I was able to obtain the XXXX codes billed by XXXX XXXX XXXX to XXXX and was able to verify the XXXX codes against the XXXX XX/XX/XXXX-XX/XX/XXXX reimbursement rate table at : XXXX This clearly demonstrates that the service billed was incorrect, which resulted in liability to me. 
I am therefore reporting : Simon Agency for abusive, illegal collection practices for unverified debts XXXX for fraudulent insurance billing My last attempt to resolve this with Simon Agency and with XXXX XXXX XXXX was today, unfortunately unsuccessful. I am currently filing an appeal and working with XXXX in retrieving the records in question. However, I wonder how would the damage done to my credit report be corrected? 
Your prompt attention at this matter is greatly appreciated. 

Sincerely yours, 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 03-04-2016 about Mortgage (FHA mortgage) with CMG MORTGAGE, INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I was seeking assistance with my FHA mortgage and after several months of sending in documents I was offically denied on XXXX/XXXX/16. My loan denial was mailed to me amost 7 days later with a turnaround time of 14 days to appeal me denial. Not only did I not have ample time to respond bit I was not given a specific reason on why I was denied.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Consumer Loan (Title loan) with Select Management Resources, LLC (TX).
Issue: Charged fees or interest I didn't expect

Complaint: making car the car was sold a letter was sent to the title loan company telling them the car going to auction off they never came to get it now they are calling me this loan was made harrssing XXXX XXXX XXXX XXXX XXXX XXXX lone star title loans XXXX XXXX XXXX also XXXX XXXX they call you about XXXX XXXX time per day

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 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On several attempts Ive tried to contact Experian to inform them of some inquiries on my credit report I do not recognize. Under the FCRA 604.15 inquiries are only to be pulled for insurance, employment, court order. For this reason, none the these inquiries fall under those circumstances. XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ). These are not my inquiries and I did not authorized them.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly store sensitive information ( my social security number ), and has indicated that this information may have been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Consumer Loan (Installment loan) with BB&T CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: BB & T claims that I am months behind on a loan, however, they have not provided me with loan documents, proof that this account is even mine. Only generic statements which have been e-mail directly from a processor ... 

When I attempted to add this loan account to my BB & T online profile the system claims that the account does not exist and although they claim to be mailing " demand letters '' and statements to me directly, I have not received a single piece of paper mail from BB & T AT ALL since the purchase of my accounts from XXXX ... 

I have closed all other accounts and was told by the loan officer that my ENTIRE balance due was deducted from my withdrawals and that should have been an end to it ; however, they still claim to have an additional line of credit that I do not have any knowledge of, is claimed to have been opened at a branch during a time I lived in another part of the state and they can not produce a single shred of evidence that it is mine. 

If I have a line of credit, I would like to have access to it, I 'd like to have it linked to an account or profile where I can manage it and monitor it and take advantage of the product as opposed to simply send money in the mail to voices on the other end of the phone who are demanding I do so ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent multiple requests to have all NONE ACCOUNT HOLDING INQUIRIES taken off of my credit report, to XXXX XXXX and Experian. These have been in separate letters roughly every 30 -45 days dating as far back as XXXX XXXX. I have not received any sort of confirmation that this has been taken care of, and they refuse to give my any kind of explanation as to why I have over XXXX inquiries on my report and yet i only have very few accounts open. I do believe it is my right to have only an accurate description of my character displayed on my credit report and by these excessive inquiries, it hinders me from being able to obtain not only personal credit, but credit for my business and livelihood as well. I will supply you with all of the inquiries that are NONE ACCOUNT HOLDING below. Please let me know what can be done in regards to this. Again i have made several attempts to work with the credit reporting agencies and have them remove these, and they have made no attempts to comply with my request or even acknowledge my requests. Iquiries and dates : XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX- XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX As you can clearly see, there is an excessive amount of inquiries that are none account holding, these are damaging my credit report and the Credit Reporting Agencies REFUSE to remove them. This is a violation of my rights and I demand they be removed from my credit file or in accordance to the FCRA i will file a motion for damages. Thank you for your help.

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 05/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I received a letter from  Chase  stating that they lowered my available balances on my credit cards from  XXXX  to  XXXX  on my  XXXX   XXXX   MasterCard  and from  XXXX  to  XXXX  on my  Amazon MasterCard.  They cited other accounts that have nothing to do with my great standing with Chase. I worked at length to pay down my balances and I 've never been late on my payments and always maintained a quality relationship. My financial due diligence with them was rewarded with decreased available credit. Had I known this would happen for paying my account on time I would have simply kept the  XXXX  balance and not worked so hard to pay this card down.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've tried several times unsuccessfully to have some inquiries removed from my Transunion credit report as they are reporting inaccurately. Then finally I spoke with a Transunion agent on XX/XX/XXXX who looked over my credit report and stated that these items would be removed due to them being reported inaccurately. I received a confirmation number and was told that my credit report would be updated in 24 hours with these inquiries removed. On today XX/XX/XXXX these incorrect items are still being reported inaccurately and I would like to have them removed as I was told they would be. 
They are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. 
Please remove these items ASAP as they are hurting my credit image and damaging my credit worthiness with potential creditors. Thanks in advance!

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 12/15/2015 about Debt collection (Payday loan) with CURO Intermediate Holdings (AL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I called speedy cash to provide my bankruptcy case number, lawyer 's name and phone number the day after I filed. Speedy cash then proceeds to deduct money out of my account after this information was given. The customer rep I spoke with said she noted it into my account. I called a second time after this happen and a different rep said there was no record of the initial phone call..

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have sent letter after letter proving that these accounts have been paid in full and to remove them all because theyve been consolidated to one and it looks horrible with all these different loans on my credit report. I have asked them to please remove them only to here nothing back.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Payoff process

Complaint: I had a Citibank credit card from the time I started my XXXX XXXX program in the year XXXX. I paid it every month during the grace period, with the occasional exception generating interest. Sometime in XXXX to XXXX my limit had reached XXXX dollars. I tried to use it one day and it was declined, and I called and they said they were no longer offering that service to me. Then he asked me how I would like to pay my remaining balance. I told him I did not, and got off the phone. Though I had never paid through automatic payments, he then set up an automatic minimum payment each month without my permission. My bank activity became hectic with lots of autowithdrawals for bills and services, and this autopayment was not clearly named. It was not until XXXX when I closed that bank account that I noticed a XXXX something autopay that did little or nothing to pay more than interest. Over a period of more than 6 years, they had stolen around XXXX dollars from my account. Additionally, someone had changed the password and security questions on my account. I can no longer access any account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I entered a cab late night on XX/XX/2018. I attempted to pay driver with a debit card and the driver switched out my debit card for another and I did not notice that until the next morning when XXXX sent me the fraud/overdraft alerts. There was no record of the cab fare but an ATM withdrawal of {$500.00} and {$2800.00} worth of XXXX purchases were made that morning ( details attached ) and summary below of actions taken by thief. 

Thief made 9 transactions at 3 different XXXX XXXX totaling {$2800.00} on XX/XX/2018 Thief took {$500.00} out of an ATM on XX/XX/2018 Thief attempted to change my primary phone number with Chase on the night of XX/XX/2018 Thief attempted to raise my debit limit the night of XX/XX/2018 I reported the fraud within minutes of receiving an SMS message from Chase in the same morning as the fraud was committed. I talked with a Chase fraud agent at XXXX XXXX  the morning of XX/XX/2018. I filed two rounds of claims with Chase about the fraud and that I did not authorize any of these transactions. Both transactions were denied because Chase did not believe this was fraud even though they identified it and sent me SMS messages early morning on XX/XX/2018. Chase also denied my ask to get additional data around the complaint for the police report and would not provide any ATM pictures or card location data. 

Chase is one of the leading financial institutions, they have a tough job protecting digital banking from many different threats, and that is what consumers like myself are depending on. Based on the fraud actions/patterns taken on XX/XX/2018 by the thief, I find it hard for them to have not shut down the account earlier and attempted to help find the perpetrator by providing any data necessary to help track down the thief.

Company response to consumer: Closed with monetary relief