milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2017 about Credit card () with WELLS FARGO & COMPANY (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My Wells Fargo banker suggested me to apply for a secured credit card and told me there would be no annual fee for the card. I thought it would be a good idea to start building credits considering I am about to XXXX college. Until a week later after I got approved. I was charged {$25.00} annual fee on my account. I called my banker and asked about the fee. He claimed that he thought there would not be any annual fee, and since I already got approved, there is nothing he could do about it. I am now not only obligated to pay the fee but also stuck with a credit card which I would not have wanted if I was told the truth.

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 monetary relief
Consumer complaint received 12/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen has not followed the CFPB rules regarding setting a sale date of my home while my modification application was under review. Ocwen claims that XXXX streamline modification offers were sent to me, XXXX XXXX/XXXX/XXXX and the XXXX on XXXX/XXXX/XXXX, offers I did not received. However, I did receive a denial letter for XXXX of the streamline modification offers on XXXX/XXXX/XXXX, it took Ocwen six months to send a denial letter in response of the second modification offer, I did not received any denial for the first offer. ( Please see attachment XXXX, a letter that discusses XXXX different issues, please read the second part of the letter ) At the same time, a sale date for my home was scheduled for XXXX XXXX, XXXX. I filed bankruptcy on XXXX XXXX, XXXX and somehow, the sale date was canceled. 
Ocwen never sent these XXXX offers, anyone can see the discrepancy that there is between the XXXX of them : First, the time between the XXXX offers, the XXXX offered on XXXX/XXXX/XXXX with scheduled trial payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX with a non-approval note on XXXX/XXXX/XXXX. The first trial payment scheduled less than a month after the offer was made. The second offer sent on XXXX/XXXX/XXXX with scheduled trial payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX with a non-approval on XXXX/XXXX/XXXX. There is no way, that streamline offers were send so close to each other. Then the amounts on the first offer {$800.00} and on the second {$1200.00} the difference of {$420.00} is quite high. At that time they did not know anything about my income, even if I did the trial payments there was no way that I was going to be approved for permanent modification. 
In addition, I can prove that the XXXX modification offers were never send to me : First, on XX/XX/XXXX I sent a complete modification application package with the help of my attorney XXXX XXXX XXXX, why I will be sending complete modification packages on the same month that a trial payment was offered to me? Second, I have received mail belonging to another homeowners since Ocwen bought my loan, most recently ( please see attachment XXXX ). When I called Ocwen to let them know, the representative who answered the phone stated that " was a computer mistake ''. 
Also, Ocwen keeps reporting that my home is empty, even that I have proven occupancy, many times. Inspectors have been ordered to go to my home and change locks, I have talked to them and they promised to inform Ocwen, but still they force an insurance on me, canceling the hazard insurance that I had in place.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Closing on a mortgage

Complaint: Escrow closed and paid off the existing mortgage using a current demand fro m Shellpoint Mortgage Servicing. Check  was sent via overnight delivery and confirmed received  by Shellpoint on   XXXX   XXXX ,   XXXX  . Escrow contacted Shellpoint on  XXXX / XXXX /  XXXX   to confirm account is satisfied and were told the payoff was short and they had no record of the demand that was provided to escrow h older. Shellpoint i s refusing to accept that this loan is paid in full and since the property is in foreclosure ( with a sale date of  XXXX / XXXX /  XXXX   ) will cause severe harm to current owners of the property secured by this mortgage if they do not accept the payoff sent to them in good faith according to their current demand for payoff.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Transaction issue

Complaint: My credit card showed a fraudulent charge of {$1800.00} charged by a merchant I have never given business to. My credit card company has failed to address this despite repeated requests by me to have it reviewed and taken care of. They continue to have it on my balance and charge me interest. They took off and put it back on my card six times in the last six months, each time I think it is finally dealt with, then they put it back on my card. I have contacted the CEO 's office to get it dealt with and they still have not resolved it. 
I have never bought anything from XXXX and the {$1800.00} charge that keeps getting put back on my credit card by USAA is NOT MY CHARGE and I should not have it on my card or be forced to pay for it. I have had to pay the interest on it for months and months now while they still do not resolve the issue. 

USAA has provided absolutely horrible and probably illegal service on this issue and they still have not done anything to successfully resolve it. IT IS NOT MY CHARGE AND I WENT THROUGH ALL THE STEPS TO GET THEM TO DEAL WITH THIS AND THEY STILL HAVE NOT - IT HAS BEEN SIX MONTHS OF ME TRYING TO GET THIS RESOLVED! 

I am ready to hire a lawyer and do not know what else to do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I have been attempting to get my loan modified since XX/XX/XXXX without prevail. I had a prior modification which I defaulted on due to a job change. I informed Nationstar that I would make the back payments to catch up and requested the amount due. Within 3 days I called back to make the payment and they informed me at that point that I owed an additional {$2000.00} because they added attorney fees. I asked how they added attorney fees within 2 days of my request for the payment amount. They then refused to take my payment. I requested proof that the attorney had been paid {$2000.00} in that time frame mailed to me. I have not received any paper work in regard to that request. I applied for a modification shortly after that to try to catch the payments up. I have been declined for numerous reasons yet I have not received any sort of denial paperwork in the mail. I made a complaint with Nationstar and a rep contacted me. I informed him of some of the issues and basically informed me that I have no option beside foreclosure. I asked why and he stated my modification failed for numerour reasons. I requested all prior modification denials and copies of the prior modifications mailed or emailed to me. To date I still have not received copies of everything I have requested. I received documentation that the house will be in foreclosure so I started looking into deed in lieu of foreclosure and also had put my home up for sale for about 8 moths and the home was only viewed twice. The mortgage on the property is higher than when I bought it in XX/XX/XXXX and the property value is about $ XXXX making it impossible to sell the home. I would like copies of all the paper work including the first modification, second modification ( did n't know I even had a first XXXX ) and copies of every denial. I also want proof of the inspections that they have charges fees for monthly on the home and the attorney 's paid receipt showing the {$2000.00} that they demanded from me to be able to take my payment. I am suppose to have one contact and have several as well. One of they payments that were late was due to the XXXX not being able to make the payment when Nationstar acquired the loan as well. This has been an on going battle since they have acquired my mortgage, but further review of the paperwork from the courts show that XXXX XXXX is the person who holds the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (FL).
Issue: Managing the loan or lease

Complaint: I did n't realize that these Company 's could get away with scams and defrauding the public and theirs no solution. Asuch as there are some legitimate pay day loans some have gone to extremes to abuse their power. I took out a {$400.00} loan with Big Picture loans and this is one of a nightmare. I should be paying back {$540.00}, I paid XXXX {$140.00} and {$160.00} and the {$400.00} dollars is going no where all I 've paid do n't even go towards the loan this is a scam. Very Criminal Activity being run rampantly in this Country and this needs to stop! I need to see an end to this I will not stop until these Criminals are put out of business

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX XXXX notified XXXX XXXX XXXX on several occasions to release and dismiss a judgment ( cause no. XXXX ) on XXXX XXXX, XXXX XXXX and XXXX XXXX, 2014 because the matter was settled well-before the court date. XXXX XXXX XXXX indicated that they did not place the judgment on the Equifax , XXXX and XXXX reports. XXXX and XXXX bureaus deleted the judgment from my report. However, Equifax is indicating that the entry is adequate. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fidelity National Information Services, Inc. (FNIS) (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whom It May Concern, The Issue That Im Having Is I 'm Currenty Locked In Chexsystems Due To A Bank Accout That Was Opended Years Ago Unto My Knowledge. Due To This I 'm Not Able To Open A Bank Account. I Have Written More Than One Dispute Letter To Chexsystems To Be Dropped Out Of Their System & They Keep Sending Me Letters In The Mail Asking To Buy More Time. This Unauthorized Bank Account Is Making It Hard For Me To Aquire Credit Line & A Bank Account Due To Me Being Stuck In Chexsystems.

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 03-09-2017 about Debt collection (Payday loan) with GMA Investments, LLC (NV).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have been receiving calls threatening to send officers to my work or home, asking to speak to my supervisor so they can notify them of my situation, asking to speak to my supervisors so they can inform them they will be coming to the office to enforce legal action on me, and threatening arrest and lawsuits. I told them to stop calling my work and family and that I would meet them at my house to receive the papers they said were being served. I even gave them my home address and phone number, which I do n't think they wrote down. They eventually interrupted me when I was giving directions and said they know where it 's at. The calls stopped for a while. No one came to my house. I even took some time off work to meet them during the time frame they provided. 

My sister and mother have also received calls from someone claiming to be some sort of subpoena server and that he is trying to locate me because I 'm in a lot of trouble over a debt and that they need to find me to enforce legal action. 

Today I received a call at work on our main line that anyone can answer. It was from XXXX XXXX. He stated he had orders to serve me and would be coming by my place of employment to enforce legal action. He told me if I wanted to avoid this to call XXXX. 

I have received messages on my phone from XXXX XXXX ( and others who do n't leave a name ) w/ Summit Receivables XXXX stating I should have received a letter in the mail and to call them to avoid legal action. 

I do n't know where the original debt occurred. They ca n't tell me anything but the final bill/offer. They say they have none of that information because they 're not with the debtor company ; they are law enforcement. They are n't with the debt company, but they can transfer me to someone so that I can pay the bill in full and avoid legal action. 

I 've been scammed before and this feels like an effort to collect a debt that I 've already paid. I ca n't find anything on my credit report to verify this debt. This group has harassed me with legal action twice now and I want it to stop. I ca n't do anything to pay my debt if I 'm suspended for personal, disruptive calls.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Loan is seriously overdue and approaching foreclosure. I think this was predatory lending and loan has been sold to XXXX companies. I have repeated ask for sale in lue, short sale, and other options because I have problems paying mortgage since I moved away during a military move and I have recently divorced. The Mortgage also has PMI insurance. The company has stated that they could not attempt to modify the loan before because I needed to show a good payment history. I have not been able to maintain a good payment history and that is a part of the problem. I am currently XXXX to XXXX as a XXXX and really need help keeping this loan our of foreclosure.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: On XXXX XXXX, 2017, at XXXX XXXX Pacific Time, I called customer service to ask about disappearing charges. Customer service would not transfer to a supervisor, said I was wrong, interrupted me, and put me on hold.

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 03/27/2017 about Mortgage (FHA mortgage) with Seterus, Inc. (IA).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus has mis applied payments which has distorted my credit rating and overstated my loan balance. This is obvious to a XXXX man. I have paid all real estate taxes and insurance, yet Seterus shows a credit balance in a fake escrow account of {$1100.00} while sending me letters that I owe {$2000.00} for past real estate taxes. I have provided them with cancelled checks. 

How long can these people continue to distort my good credit rating. This is so obvious, they are brain dead and should not be allowed to be a credit collector

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am in the process of consolidating my credit score, Equifax just dropped my score by 43 points, when a week earlier I 've paid my balances and was expecting to have it raise. Besides the fact that I 'm a victim of the identity theft this company keeps hurting my future and present profits, through wrongfully calculated credit score. If a human would do that, they would probably be fired/sent to jail/ or had to quit their business, but as a soulless corporation it had no repercussions to suffer from their irresponsible, criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Within the last several days, a collection agency named Diversified Consultants started reporting a debt on my credit report. I have no outstanding, unpaid debts ; and this listing is a mistake. Furthermore, I received no notice of this account from Diversified Consultants INC, and would have certainly contested it, if given the opportunity. The Fair Debt Collection Practices Act states that a collection agency is required to give a 30 day notice to dispute BEFORE they report the account on one 's credit report. I was not afforded this opportunity, and this is a violation of my federal rights. This account just showed up on my report, without any notice at all.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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 disputed online with the credit bureau but they still keep inaccurate information on my credit file. The information I have disputed numerous times comes back as being verified however I don't receive information that explains how they verified the information with a creditor and remains on my credit file thus affecting my credit score.

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 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Current phone number as my contact is incorrect please update to correct phone number ( XXXX ) XXXX. Also a lien from XXXX pronth in my credit reports is not correct. I did call XXXX court and sent them proof of documentation years ago and they were supposed to remove it but it never did.

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 11/20/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (ID).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: To whom it concerns, I had a credit card with Capital One the balanced closed at {$1900.00} XXXX XXXX, XXXX .... XXXX XXXX XXXX. Picked up the debt. Affidavit of service served XXXX/XXXX/XXXX I did not get served this Affidavit. As a result a judgement was entered with out me knowing XXXX/XXXX/XXXX for {$3900.00} ... XXXX XXXX, XXXX {$2600.00} was stolen out of my account from XXXX XXXX XXXX. this account was for my VA Benefits from my military XXXX. Both the taking out of all my money from my account to the taking my VA Benefits money was wrong and illegal. Then they are saying i still owe {$1900.00} a total of {$4600.00}?? Last for over a year they did not report to the credit bureau 's XXXX that they had stole my VA benefit money/ which caused damage to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I tried to add my husband to my existing CitiBank credit account. We were legally married on X/XX/2017. Twice we called CitiBank to add my husband to my account. Both times they cancelled the request and apologized for the inconvenience. We stopped trying to obtain the 2nd card as they locked my account for future use saying it was fraud because of a different last name. 
This is not due to credit history as we pulled both of our credit numbers and mine is XXXX and my husbands is XXXX. We feel as though they are discriminating against us because we are a XXXX couple. We are simplify trying simply our lives and have one credit card rather than two.

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 monetary relief
Consumer complaint received 12/13/2016 about Debt collection (Medical) with NRA Group, LLC (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been calling to dispute this debt because I do not owe it. I 've spoken to several agents and they noticed I had insurance on the date of service but they will not remove this debt. It is on my credit report and I 'd like it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Fair Collection and Outsourcing, Inc did not investigate and verify with the original creditor the amount that was owed. They send me a bill instead and forced me to pay it. This alleged debt was from an apartment complex. Up to this day, this company refuses to verify the correct amount owed to the original creditor. I since then made contact with the original creditor and they can locate any balance owed. 

This company needs to be investigated about its practices. They are violating FCRA.

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX   XXXX  {$110.00}  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  New name for  XXXX   XXXX  but it triggered a lower credit score

Company response to consumer: Closed with explanation