milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-07-2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: LoanCare A XXXX did not collect enough in escrow for 2 years and sent a letter increasing my mortgage payment by {$540.00} per month. I can not afford to make such an extreme increase in payment per month.

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 01-09-2017 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Experian gave my annual report to someone else

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 08/26/2015 about Debt collection (Non-federal student loan) with TRANSWORLD SYSTEMS INC (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: In XXXX XXXX, a default judgement for {$16000.00} was granted to XXXX XXXX XXXX against me based on a supposed XX/XX/XXXX debt. In XXXX XXXX, I filed a complaint with the CFPB ( Case number : XXXX ). I contested that this judgment was not obtained legally because I was not served in this matter and was not given the chance to defend myself. I supplied evidence that I was not in XXXX when the process server claims to have personally served me. I have previously submitted an affidavit from my employer and supporting financial documents to CFPB showing that I was in XXXX XXXX, CO ( XXXX miles away ). 

After receiving this information, attorney for the plaintiff, XXXX and XXXX, did not ask the court to set aside the judgment. Instead they sent me and the court the process server 's field notes. The notes and service affidavit have an inaccurate physical description of me. Not only did the process server lie about serving me personally, she ( or someone with access to this information ), forged my signature on her notes. Whomever signed as me on her field notes made a poor attempt to copy my signature from the XX/XX/XXXX promissory note. I have included my Driver 's license & a lease to show what my signature looks like.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (Mortgage) with Real Time Resolutions, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: RTR is claiming I owe them XXXX on a second mortgage but the date of first delinquency is XX/XX/XXXX, which is beyond Illinois 5 year SOL. They are also reporting this information to XXXX, including a continual late every month for the last 6 years, an overdue balance and current amount due. This particular loan was secured by property which was foreclosed on by XXXX XXXX. RTR was never listed among the plaintiffs ( as XXXX was ). This foreclosure occurred in XX/XX/XXXX. RTR has NEVER verified any document which states how, why or where they have a valid claim to a 2nd mortgage. They were not on any court documents provided by the county and plaintiffs. It is as if they just " leached '' onto a distressed property in hopes of lining their pockets. 

In addition, it is my understanding that this account should have been legally charged off after 180 days, which further validates RTR 's negative motives in this situation. A legitimate lien holder would follow proper legal laws. I have the original mortgage, deed, warranty and court filings ( much to much to download ) which have zero reference to these people. 

Attempts to contact RTR have ended with an automated voice system hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XX/XX/XXXX/XX/XX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD).
Issue: Money was not available when promised

Complaint: On XXXX XXXX, 2016 I sent a money transfer of {$100.00} to a friend who is starting a new job. It was supposed to be available in ten minutes ... I even got an email that confirmed it was available. On XXXX XXXX, 2016 my friend said he was experiencing problems getting the money. I contacted money gram to cancel the transaction and they told me that there was a security issue with the transfer and they needed to speak with the receiver to see if he was someone that was not allowed to use their service. 
Now, after two hours on the phone with them, they will not refund my money nor will they release it to the receiver. They say there is a government list that has the receivers name and they are trying to verify if he is the person of interest. While I appreciate the security features ... none of this was explained when I set up the account. I just want my full amount cancelled and returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a package for a loan modification but was told that I was not going to be reviewed for any options to avoid foreclosure. The lender stated they sent a letter explaining but I never received any letter and am unsure why they can not help me save my home.

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 01-04-2018 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Good evening - I have contacted this company a total of FIVE times since XXXX of 2017 regarding two debt collection accounts on my credit reports. The latest certified letter was sent to TransWorld Systems on XXXX XXXX, 2017 requesting validation of the alleged debt, as well as proof that this company has the legal authority to collect the allege debt on behalf of the original creditor. I received a letter billing ledger as validation. This ledger does not  assign the debt to me. I have yet to hear anything back from TransWorld once I told them that the handwritten ledgers did not assign this debt to me. This company still has neglected to include proof that they have the legal authority to collect the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Since Navient started servicing my loan, I have been unable to apply portions of my payment to principle. They have been re-directing all or most of my payment to interest, therefore seriously delaying the pay down on my massive student debt. I have, at the suggestion of the lender, adjusted the amount I pay several times. Sometimes, the amount was adjusted without my consultation. However, the loan balance is still massive because very little is actually going to pay down the principal. I have paid Navient over {$24000.00}, through regular on time payments, but have only seen a fraction of that applied to bring the balance down

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX/XXXX/2015 I opened a BofA checking account and made an opening deposit of {$5900.00}. I left later that day for my assigned XXXX XXXX XXXX for an upcoming deployment. I was XXXX, XXXX until XXXX/XXXX/2015. At which point I realized my account was drained. I filed a fraud claim and even after a Department of Defense memorandum from my XXXX, I was still denied numerous times.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Re : XXXX American Express Sir/Madam : I am writing to seek help to resolve a fraud claim that is equivalent to {$11000.00} which is a great amount of loss to me financially. On top of that, my credit rating is affected when my XXXX American Express account was closed.

I strongly feel that the handling of this case is very unfair to me based on the following : 1. I am not provided written proof of purchases or explanation as concrete basis of why my fraud claim was denied. The proof of purchases that should have been provided will show that I did not sign on the credit card charge slip of the expensive items purchased.

2. Without being provided this concrete evidence, I feel discriminated when after I exercised my rights to file a fraud claim, XXXX American Express closed my account, denied me credit and forwarded my account to collection department.

3. I have filed a previous fraud claim but in the letter ( see attached ) denying my fraud claim it is indicated that the decision was based on account history and notes and not on concrete proofs establishing the responsibility for the fraudulent purchases.

4. I feel it will be unfair for XXXX American Express to collect the above mentioned amount and any related finance charges because of failure to present the requirements of a thorough investigation.

5. I have been a loyal XXXX American Express credit card holder for a very long time and I am proud to claim that I am in good standing, always paying on time.

I will very much appreciate your help for a reconsideration to reverse the decision made and restore my account status.

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 06/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with MRS BPO, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter stating that I owed money for my XXXX cell phone bill.  However, I am currently up to date with my cell phone payment and have never fallen behind.  Therefore, this debt is completely fictional and I am not going to pay it to this company that claims the debt has fallen into collections.  The company is called "MRS XXXX" from MRS Associates at XXXX NJ XXXX
XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Student loan (Non-federal student loan) with Genesis Lending (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was issued XXXX loans by XXXX University from Genesis Lending. While in school interest and payments were requested of me. I was unaware of this loan being a private loan and therefore could not consolidate it. I was not notified that these loans were sold to some other company that is requiring immediate payment. I can not pay {$740.00} a month for XXXX XXXX and then {$240.00} on another XXXX. Why was I not informed of these changes and why ca n't get some relief from this company? The school DID NOT inform me of what or where these loans were coming from.

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 05/31/2017 about Vehicle loan or lease (Loan) with Byrider Franchising, LLC (OH).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I purchased a   XXXX   XXXX   XXXX   on  X/X/17  I paid  XXXX  in cash and a trade in of a   XXXX   XXXX   XXXX   for    XXXX    in which they deferred another  XXXX  up in  four  payments of   XXXX  . The first payment made on  X/XX/17  the motor blew up and I was without a car for a week and was n't reimbursed for my rental for almost  three  weeks. I was informed that the replacement motor was also defective so they were going to give me a newer model   XXXX   XXXX   in which his all transpired on    XXXX   . I then realized they had made the mistake on the payment dates and I called them and they adjusted that for me which took a few days. Well on     XXXX   XXXX   XXXX     I realized that they had n't pulled my payment out I called and realized my credit card had been stolen and money in my account was compromised. So I called my bank they stopped the card issued me a new one and I kept in contact with CNAC to let them know as soon as I get the new card payment would be made. During all this myself and Co-signer   XXXX   XXXX   had both changed jobs. In which I disclosed to CNAC as well. So on  XXXX  I received my new card spoke with a  XXXX  we tried to run the payment  three  times did n't go through, it was after bank hours so I had to wait till sat  XXXX  to call bank they realized something was wrong with cars said they would issue anothe r one. Well Mon day was a holiday. Tuesday  XXXX  when I got off work tried to call to make payment and CNAC was closed.  Forty five m in later repo people were at my door. I called CNAC on  XXXX  right at   XXXX   XXXX   to make a payment was treated very rudely and disrespected put on hold fo r five m in then was told management made a decision that they were n't going and further with the relationship with me. O trie d two mor e times to make the payment which by   XXXX   was only 12 days late and in the amount of  XXXX . I just want my car back and continue to work and provide for my family. Please help me I feel this is unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: tired of doing this. i have been with ciri bank 25 years plus what banking does not do sometimes is get to know their customers. XXXX does XXXX XXXX and i use those cards for major purchases. not citi. since there is no loyalty since XXXX they have XXXX dollars of interest they refuse to refund all of a sudden when it was happening. i have medical debt that could if i so chose allow me to discharge all. i am not doing this though. 
i am very frustrated at the scripts and bureaucracy in the financial industry what a disappointment that you dont get loyalty for loyalty so i cant give it. onceciti refunds it wuthout throwing it in my face or scripting me. or telling me its valid i will add it to my list of preferred cards. this is for my card ending in 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 09/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IL).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: OnXX/XX/XXXX I called Chase/XXXX credit card ending in XXXX to close the account.
Instead of closing the account like I requested, Chase/XXXX sent me a replacement card, which I received on XX/XX/XXXXin the mail.
On XX/XX/XXXX I called Chase/XXXX and spoke to supervisor XXXX at Chase, and asked her why I received a new credit card in the mail, when I asked for the account to be closed, ending in XXXX.
I received a new card ending in XXXX.
She told me that card was sent because " we said we were victims of identity theft ''.
I told her that was incorrect, we said to CLOSE THE ACCOUNT.
XXXX said she would close the account on XX/XX/XXXX.
Today, XX/XX/XXXX I received a credit bureau monitoring alert that another card was issued, ending in XXXX. I called Chase today and spoke to XXXX, and asked her why a second card was issued, which appears on my credit bureau report.
She told me she did n't know why another Chase card was issue, but now the account is closed. She said it appears every time I called to request the account be closed, it automatically issues a new card instead!
I told her I was very upset that Chase does NOT WANT TO CLOSE MY ACCOUNT, and I have to call 3 times to get my account closed.
This reminds me of XXXX XXXX, where they open up unauthorized accounts ....
This is the reason for filing this complaint - this must be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (OH).
Issue: Credit decision / Underwriting

Complaint: We are currently going through a short sale on our home with a company called XXXX XXXX XXXX XXXX XXXX, we have been going through this with them for well over 8 months. They represent a company called Midland mortgage and they have been delaying the process over and over, we have a buyer for the home willing and ready to purchase and XXXX just keeps delaying the process. They have asked for the same information on numerous occasions ( which I have kept all documentation ), but when we call them we can never get the contact person they have assigned us so therefore we are thrown into a pool of people in which we never get the same person so they read through the notes only to tell us, we have all the information we need it is sitting with the under writer. Then it ends up needing a new appraisal because XXXX has caused it to be out dated. We have had numerous appraisals as well. I can not explain the frustration and anxiety that this has caused but would like to see a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Santander continues to call my references after I 've asked them, to stop. I never took down the dates but they should have them noted in their system as to how many times a day they call me and how many times they have contacted my references and left messages. Additionally, I asked them in XX/XX/XXXX or XX/XX/XXXX2017 not to call XXXX and they told me they would not because it is a verified phone number for me and a way to stay in contact. Today XX/XX/XXXX, they called me and left a message on my home then immediately called my reference and left a message. I have saved voicemails where they have talked about the debt without disclosing that this call is from a debt collector. They call me 2 to 3 times a day and they have a good confirmed home number so I do n't understand why they continue to call any other number on my file except for the reason to intimidate or harass me in to calling back.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Bank account or service (Savings account) with WELLS FARGO & COMPANY ().
Issue: Using a debit or ATM card

Complaint: Since XX/XX/XXXX, I am a client of WELLS FARGO BANKS and the account holder of XXXX accounts currently XXXX and XXXX., on XX/XX/XXXX, I received a call from the XXXX Department of Wells Fargo Banks , to inform me that a number of debit card transactions had been made -presumably in my name- in XXXX , NY , from XX/XX/XXXX through XX/XX/XXXX. This time the charges amount to the total sum of XXXX dollars with XXXX cents ( US {$9400.00} ). The person who called me identified herself as XXXX, her Wells Fargo Banks ID number is XXXX, and her contact phone number at the XXXX is XXXX. I informed her that I was in XXXX, XXXX, and that the debit card that the bank had sent me to my home address was still in my possession, is a new debit card and that IT HAD NEVER BEEN ACTIVATED BY ME. XXXX told me that they would proceed to block my accounts and to cancel the aforementioned debit card, and gave me the claim number for my case. XXXX informed me that, in at least a week, I would receive a call from the XXXX of Wells Fargo Banks to provide me with information about my case. She also indicated that I could call the number XXXX to check on the status of my case. I then wrote an email to XXXX, the XXXX at Wells Fargo Banks ' XXXX office who attended me on XX/XX/XXXX, to inform him of the serious situation that I am going through, and of the damage to my financial assets that I had suffered. XXXX replied that he was so sorry and embarrassed by all this, and that I could rest assured that the bank would refund my money, as he was reviewing my account while he was writing the reply email and, in his exact words, he said " IT IS OBVIOUSLY A CASE OF FRAUD. '' Having not received any call from the bank since I last spoke to XXXX, I called the aforementioned number on XX/XX/XXXX and told the operator that I needed to know about the status of the case of fraud to which I am being a victim. The operator transferred my call to XXXX in Wells Fargo Banks XXXX, who from now on would be the person assigned to my case. On XX/XX/XXXX, I received a called from XXXX to inform me that Wells Fargo Banks will not refund the money extracted from my accounts, claiming that " it is not possible that the debit card has been cloned ''. I immediately demanded to talk to a supervisor and they communicated me with XXXX, who committed herself to reviewing my case and promised to call me back soon to provide an answer, which to this date it has not happened. This is the second time someone has made unauthorized consumption with my debit card.In XX/XX/XXXX someone made purchases in several US cities for {$790.00}. In that moment, fortunately Wells Fargo Bank returned the money to my account.

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